23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was charged late fees, but I did actually make my payments on time. Once on XX/XX/XXXX and once on XX/XX/XXXX. I made those payments on time, however each payment was {$87.00} short. The total amount that I owed went up, but I was not aware. I believe they went up due to the real estate taxes increasing, so my escrow account was short. 
However, because the payment was short by {$87.00} those XXXX times, Prime Lending rejected my payments and sent them back. They said they could not accept partial payments only full payments. So they sent my payments back. By the time that I got notice that the payment had been sent back and then resent another payment for the full amount, the second payment was technically late. They would not allow me to simply make a payment to make up the difference owed. My payments were never late, just short. 
I was charged a {$35.00} late fee each time. {$35.00} due to an {$87.00} shortage on the payment. These fees seem like predatory fees and I asked that they waived the fees, but after XXXX rounds of go around they still said no. They said they can only waive XXXX late fee per 12 months. They received my payments however it was short by XXXX  % ( my mortgage is {$2400.00} and I paid {$2300.00} ) I have bank statements and communicating documenting everything.
Product: Bank account or service

Recently in XX/XX/XXXX of this year we realized that we had been defrauded by a book keeper in our office. We intermediately filed a police report and pressed charges. From there we went to the banks and told them what happened and provided detailed information about the amounts, check # 's, dates ... .everything they needed to start their investigation. 

TODAY I received a letter that they have DENIED my claim and will not be helping me whatsoever recover any of this money. I thought this money was FDIC insured? 

Please help me..we are a small business with less than XXXX employees and are at risk of shutting down as a result of this massive theft. The amount stolen was over {$80000.00}. 

PNC Bank could have helped us recover up to {$50000.00} of this money but they have chosen to flat out reject my claims based on typical bank stuff.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress I want the CFPB to publish this description on consumerfinanc e.XXXX so that others can learn from XXXX experience. The CFPB will take steps to ramova my XXXX  information
Product: Credit reporting or other personal consumer reports

Dear CFPB, I need help to remove these inaccurate and misleading items that were reported on my credit files. I've been mailing letters to XXXX, XXXX, and Transunion several times since XXXX, but they never responded to any of my letters, and until now, the same invalid negative accounts were reflecting on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, we contacted Navy Federal Credit Union to apply for a VA Mortgage Loan. The loan application was taken over the telephone with my husband, XXXX and myself on a speaker phone with the Navy Federal Credit Union employee. Everything went well. He said everything looked good, we should have an answer in 48 - 72 hours. We never heard anything. Four days went by, I called to find out who our loan officer was and get a phone number for our contact. I tried calling several times and there was no answer. No voicemail. Finally, she answered her phone and before I could say anything, she said " I can't talk right now, I am out of the office, I will call you later. '' and she hung up. She called the next day and stated that she could not read any of the documents that we had scanned and emailed. We would have to take them to a branch and have them scanned in. It would be 48-72 hours before she would be back in touch with us. I took the documents to the branch and had them scanned in and emailed to her. She called us the next evening and wanted to know who the veteran was. ( We had included a copy of the XXXX and XXXX from XXXX ). It was apparent that she had not looked over the file at all. We requested her supervisor call us. Several days passed and I called and requested that her supervisor call us. I sent several emails, requesting her supervisor call us. I finally called the mortgage division and demanded a new loan officer. We were then notified the home we had been interested in had received a number of offers and they had accepted one and had a back up. At this point we still had no answer on our loan approval. Three days later we received our letter of approval. We review our credit regularly and noted that Navy Federal Credit Union had two " hard '' inquires on our credit. These stay on our credit for two years and can deminish your credit. I contacted Navy Federal Credit Union and requested they correct the multiple credit inquires. The loan officer said it was because I was listed as the veteran initially. I told her that was not our problem since they had a copy of the XXXX, the XXXX from XXXX and at any time that could have been cleared up with communication. The supervisor, XXXX, refused to talked to me because my voice is " harsh '' and hurts her ears. Through the loan officers, I have been told XXXX has submitted this three times to be corrected since the first of XX/XX/XXXX. It is now XX/XX/XXXX and there is no correction reflected. I have spent hours on the phone with Navy Federal Credit Union. I have experienced exceptional service from every department EXCEPT the mortgage department. We have had two other mortgages with Navy Federal Credit Union and have never experienced such poor service. The behavior and lack of professionalism is shameful and certainly not what members of NFCU have come to expect or deserve. Hopefully, someone in the corporate offices will take note.
Product: Debt collection

XX/XX/XXXX a collection account showed up on my credit report from the below company. I have no knowledge of this account. 

Account name PORTFOLIO RECOVERY ASSOCIATES XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX Address identification number XXXX Account number XXXX .... 
Recent balance {$290.00} as of XX/XX/XXXX Status Collection account. {$290.00} past due as of XX/XX/XXXX. 
Date opened XX/XX/XXXX
Product: Checking or savings account

Ref : XXXX XXXX Acct # XXXX ; XXXX XXXX , XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , NY XXXX Dear Sir/Madam : This is a formal complaint against Citibank . I received a Promotion Letter letter dated XX/XX/XXXX from a Ms. XXXX XXXX, US Head of Small Business, Citibank, NA, directed to my company XXXX XXXX, offering {$1000.00} to move {$50000.00} to Citibank and get better everyday banking. The fine print says The cash bonus for which you qualify will be credited to your account within ninety days from the end of the month in which you complete all Offer requirements. 
On XX/XX/XXXX, my firm opened an account at the XXXX Branch and deposited the sum of {$52000.00}. The Citibank employee was a Mr. XXXX. On XX/XX/XXXX, I visited the bank to determine the status of the promotional bonus offer by the Bank, Needless to say, confusion and ignorance surrounded the matter, and it was obvious it was a Citibank scam. Today, XX/XX/XXXX, now 6 months, with {$52000.00} idling at Citibank, the Promotional Bonus has not been paid. Two days ago, I received one of a series of form letters, all signed Sincerely Citibank Business Operations, stating that my inquiry is under investigation, etc. etc. 
For the few of us that pay attention, and after witnessing the XXXX XXXX scam, resulting in that CEO being banned from banking for life, big banks see their current banking methods shunned by big business, are actively targeting small business and the Consumer with these deceptive and dishonest tactics to generate business. Citibank has now gone from Predator to Parasite. The XXXX office functions like a social service office with sign-in and sit-and-wait to deal with people who have no decision authority on any matter. As in the XXXX XXXX case, the deceptive practices are executed with ambiguity and dishonesty. Citibank should be investigated for its deceptive and dishonest banking methods. 
I want Citibank to investigate and fulfil the promise inherent in their promotional letter to my firm. I would refrain for notifying the Office of the Comptroller of this matter, in anticipation of the prompt correction of this deceptive tactic. 

Yours Truly, XXXX XXXX XXXX XXXX XXXX, Pres & CEO Citigroup Inc . 
XXXX XXXX US Head of Small Business Citibank, N.A
Product: Debt collection

Account was charged off as a profit and loss write off, never provided with a XXXX letter from company
Product: Credit reporting or other personal consumer reports

MY INFORMATION WAS INVOLVED WITH THE EQUIFAX DATA BREACH. THERE WERE FRAUDULENT ACCOUNTS LISTED BELOW OPENED IN MY NAME. THE ACCOUNTS ARE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I am in the middle of trying to close on a mortgage, and at first XXXX was refusing to take a persistent dispute notation off my account, today on XX/XX/2016 i find out on XX/XX/2016 the creditor Blakely Witt and Assoc, denied my request to get a persistent dispute notation removed off my credit, now they are holding my credit report hostage and not allowing me to close on a home loan, time is of the essence as i was fighting XXXX for weeks and now i have to fight them over this. I am expected to close in the next couple weeks, and still can not get approved due to this persistent dispute notation that they are now holding my report hostage preventing me from a home loan, if this keeps up i am going to lose my escrow money. Please help
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my NORDSTM/TD - XXXX, NORDSTM/TD - XXXX. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Debt collection

This complaint is against SLS - Specialized Loan Servicing -  trying to attempt to collect an unverifiable debt that 's been charged off not once but at least twice prior - if we are even talking about the same " loan ''. They very well may be trying to collect on fake debt for the Supposed Holder in Due Course, XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX internal statement XX/XX/XXXX shows Realized Loss of {$60000.00} on Group XXXX - Loan ID XXXX. 

Then an internal XXXX XXXX XXXX statement inadvertently sent to me shows the very same transaction being " charged off '' for {$60000.00} on XX/XX/XXXX referencing data from the XXXX  - XXXX XXXX XXXX XXXX. Loan ID XXXX. 

Then magic happens and SLS assigns XXXX as the new account number on an alleged outstanding principal balance of {$60000.00}. 

This banking / " mortgage '' / loan mischief and deception is to cease now. The shenanigans are truly out of hand.
Product: Mortgage

We applied for a loan in XX/XX/XXXX with NationStar. They agreed to a 3.99 % mortgage and we got an appraisal that came in without issue. They have been dragging this out and not returning our calls or emails. They just sent us new terms for the loan. 

We are unsure of what they are doing
Product: Checking or savings account

I issued two stop payments on XX/XX/2022. Both of the checks for which the stop payments were issued for cashed on XX/XX/2022. XXXX was for {$3000.00} and the other for {$10000.00}. This was a vehicle which was misrepresented when the sale was made. I was even charged for the stop payment fees.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment XXXX, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XXXX XX/XX/year> XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX : {$200.00}
Product: Mortgage

I did a refinance for a lower rate. I supplied my current mortgage statement and the current tax information for that year up coming taxes. The broker XXXX XXXX with XXXX   XXXX XXXX, wanted to under cut the competition and got me a lower monthly mortgage by cutting my escrow in half! Thus making my mortgage escrow account short shortly after that thus increasing my mortgage by {$500.00}! Now I pay more than I originally did a month! This refi happened XX/XX/2017.
Product: Debt collection

I have repeatedly told this debt collector that  they may no t call me at my place of employment. I told them they can continue to call my cell phone or contact me by mail regarding the debt. But they continue to call my place of employment. When I have spoken to them on the phone they are very rude and will not acknowledge that I have told them to stop calling me at work.     Debt collector : (  XXXX  )  XXXX  Law Office of D  Scott Carruthers   XXXX   XXXX   XXXX  #  XXXX   XXXX , CA  XXXX
Product: Credit card or prepaid card

I went into a XXXX location in North Carolina the day that they released a store credit card ( 2014 I believe ) and was told I wouldnt have to make a payment on the card for 6 months by the sales associate if I put my purchase on the card, I could take my time to pay it back and plus I received an extra 10 % discount for using it. The card was through XXXX XXXX. I made an initial purchase of about {$70.00} on the card and thought I had plenty of time to pay it back. I received no notices from comenity regarding missed payments until I owed over {$100.00} in late fees. To sum up the story, I ended up paying nearly {$500.00} for a {$70.00} purchase and took an enormous hit on my credit score. XXXX XXXX uses predatory methods to get credit card applications and their contact methods are shady at best. It is ridiculous to receive over 75 phone calls from blocked numbers in one weekend. I never have and never will answer a call from a  blocked number.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I Submit through the mail to Experian XXXX and XXXX XXXX Deletions to credit report According to the provision of the fair credit reporting act 611 ( a ) 15 USC 1681j ( a ) to all three credit bureaus Failed to send me the names addresses and numbers of the people they contacted during the investigation to get these negative items removed they sent me updated reports but they are not accurate and they never sent me the information of who they contacted for the items that was not removed some items were removed and some items were not they never contacted me about who they contacted doing their investigation with the names, phone number, and address so that I could do my part to follow up on The investigation of why the items have not been removed thanks and god bless
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer in pursuant to 15 USC1692A3 Experian, XXXX, and XXXX  are in violation of 15 USC805 Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction a debt collector may not communicate with a consumer nor any 3rd party in connection with collection of any debt I never received notice from Experian XXXX   nor XXXX  nor consent to furnish my data I did not receive a notice from them giving me 30days to dispute any debt in pursuant to 15 USC 1692e 807 A debt collector may not use any false deceptive or misleading representation or means in connection with the collection of any debt the following conduct is a violation of credit bureaus reporting without my consent created an profile in my name reported my name address and address with a false amount and no contract. They stole my identity this is a { {$1000.00} } violation. An FTC/Police report has been previously filed and is attached to this complaint. 

XXXX XXXX Account # XXXX Amount {$21000.00} Department of Education Account # XXXX Amount {$81000.00} XXXX XXXX XXXX Account # XXXX Amount {$0.00} Inquiries : XXXX XXXX DC XXXX XXXX XXXX XXXX Department Of Education/XXXX XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent out first letter certified read receipt asking for validation of debt. The letter was signed for XX/XX/XXXX, no response. Second letter certified read receipt signed for XX/XX/XXXX, still no response. Disputed with Credit Bureau on XX/XX/XXXX, still no response but it is being reported on credit report.
Product: Money transfer, virtual currency, or money service

I called Lightstream because I did get a loan from XXXX for a debt settlement with a much lower interest rate. 
Light stream is making me pay the loan off on Thursday, XX/XX/XXXX when I want to pay off the loan today to avoid excessive interest fees. 

They told me I could not pay off the loan today Tuesday, XX/XX/XXXX and I had to wait until Thursday, XX/XX/XXXX this is illegal and I want Lightstream to pay me back the interest I was over charged about {$400.00}.
Product: Mortgage

Please be advised that I am requesting ESCALATION of this file due to the negligenceof GuaranteeRate and XXXX in the way they care for Veterans and their loan. 
This borrower has been in review with the Loss mitigation department for over a year with no response or resolution. We have complied with all the requested documents by the due dates but this isn't being processed in a timely manner on your end. Makingit impossible for resolution and causing the borrower to fall further behind on their mortgage. It is NOT our borrowers fault your team is not equippedto handle the workload. Please review the attached documents that have been previously sent numeroustimes. 
This is no longer a matter of the borrower getting assistance, his health is at jeopardy due to the unnecessarystress caused by GuaranteeRate and XXXX. He has been to the hospital several times due to your carelessness. This is no way to treat a vetera that has fought for our country and is asking for assistance when he needs it the most. I really doubt you would leave a veteran in the streets specially during a worldwide pandemic. 
Since no resolution has been made on this file we have been forced to file a complaint with the US Department of Justice, Consumer Affairs, Veteran affairs and Consumer Financial Protection Bureau. 
Awaiting for your prompt response to this matter. 
Sincerely,
Product: Mortgage

BSI refuses to send me the loan payoff that was used to payoff this mortgage. I want to insure that they sent the correct escrow refund. I have called emailed and called twice over the past 3 weeks. On XX/XX/2020 when I called they kept me on hold for 30 minutes then an automated message said they have so many calls that they can't answer and to leave my phone number and they will call back. That was 29 hours ago and they haven ' called back. I refinanced this mortgage so we would no longer have to deal with this loan servicing company and this is the last thing I want from them. Also, they do not have a real-time system so if something changes on your account you can't verify it without calling them and their wait times are unacceptable long. This was before COVID-19 so they can't use that as an excuse.
Product: Credit card or prepaid card

Yesterday ( XXXX ) via U.S. Mail I sent the CFPB and 2 U.S. Bank locations a copy of what I have uploaded at the time that I am filing this online. The attachment hereto shows an image of a computer disc that contains information referenced in my letter to the CFPB dated XXXX. You are not receiving the cd 's contents via the attached upload but rather should receive it via U.S. Mail. In my attachment I included a copy of the addressed and postage-affixed envelopes that I mailed a copy of what is attached hereto in yesterday to the CFPB and 2 U.S. Bank locations. On this date ( XXXX ), the same XXXX that I referenced in my letter, called me. He stated that they are beyond their timeline with Visa and that there is nothing more that he can do on his end. Since U.S. Bank failed to process my dispute correctly and wasted a lot of time, they are responsible for reimbursing me the {$1000.00}. XXXX stated that I should write the Office of the President at XXXX. XXXX XXXX, XXXX, ND, XXXX and if the president believes the dispute team have made error ( s ), that office can correct it and resolve this matter. I will copy you on what I send to that office and will reference my filing this with the CFPB.
Product: Credit reporting or other personal consumer reports

I did not authorize any of the hard inquiries listed in this letter. This is not an opportunity for you to investigate as I have provided an identity theft report listing all of the unauthorized inquiries. 15 U.S. Code 1681c2 - Block of information resulting from identity theft ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 2 ) a copy of an identity theft report Failing to comply with deleting the hard inquiries listed from my credit report within XXXX business days will result in violating the Fair Credit Reporting Acts federally protected laws meaning XXXX XXXX will be liable to me for statutory damages for XXXX XXXX misconduct as per the FCRA ( XXXX U.S.C. XXXX ( a ) ( XXXX ) ( A ) )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the following account numbers indicated below have violated my rights to privacy, according to 15 USC 1681 Section 602A.

Furthermore, according to 15 USC 1681 Section 604A, Section 2. A consumer reporting agency can not furnish an account without any written instruction. 


Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX