23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was supposed XX/XX/XXXX. Told me it will be delayed for a little bit. Up to this date ( XX/XX/XXXX ), I still dont have a closing date. I have been badly stressed about this because I have XXXX kids. I have moved twice as my first move I need to move out XX/XX/XXXX ( because I was supposed to close XX/XX/XXXX ) and I move to a another place that can accommodate me till XX/XX/XXXX. But I have to move again, and I dont even know how long of a delay. Nobody can tell me what is my projected closing date. I have XXXX kids. I have the furniture company wanting to deliver the stuff I ordered and some other sellers wanting to know when to deliver stuff I ordered. Most of them stated they. Cant hold items too long as it will be almost a month of holding my items I dont know what to tell them because I dont know my closing date is. I called them and asked and nobody knows. This has been causing a lot of issues to me. My XXXX  and XXXX XXXX  starts to XXXX XXXX XXXX  work and even how I respond to my kids! Im going on and out of XXXX  state at this point. And nobody seems to care!
Product: Mortgage

I received a phone call from my lender Cornerstone Home Lending and they told me they would no longer accept my payments. Over the past year I have been paying my house payment bi-weekly and have made 26 two week payments. My lender told me I could no longer do that and if I did my payments would be returned to me. The only way they would honor a two week payment was if I signed up for a program they had and that my mortgage payment would have to be direct deposited to Cornerstone. I do not want to do this because it prevents me from having financial flexibility. I feel Cornerstone Home Lending is using predatory strong arming because I am financially responsible. The fact that I will pay my mortgage off early incited them to threaten me to no longer accept my bi-weekly payment. Cornerstones policy regarding partial payments is the following. " The disposition of a partial payment received may depend on a number of factors including but not limited to : the amount of the partial payment, whether your loan is delinquent, the investor of your loan, whether your loan contains an escrow feature, the number of times a partial payment was received within a 12 month period, whether your loan is being or has been modified. For Any of these reasons, a partial payment may be ( XXXX ) returned to you, ( XXXX ) applied to your loan, ( XXXX ) accepted but held in a non-interest bearing unapproved funds until you send us additional funds sufficient to equal a full periodic payment due. '' Over the past twelve months Cornerstone has been accepting my bi-weekly partial payment but now I am being to they are no longer going to honor that payment process. Cornerstone is changing our agreed upon payment process. They have decided to change their decision without me agreeing to it. I see it as I have made 13 house payments in a twelve month period and they have accepted everyone of those payments. They are applying a rule meant for individuals who have a hard time meeting their financial obligation to my situation which is the exact opposite.
Product: Credit card or prepaid card

I was a XXXX XXXX  member who holds an XXXX XXXX XXXX credit card with American Express. I upgraded to XXXX XXXX in the past and my status was not being reported by XXXX to American Express automatically, causing me not to earn the 5 % agreed to in my card 's terms. I have since been thoroughly troubleshooting this with XXXX for over 6 months, and XXXX has been providing multiple stories, such as they have already sent my upgrade information, can not send it, or, in every case, that I need to contact American Express to resolve. I have also contacted American Express separately who is pointing fingers back to XXXX stating that they have not received the upgrade information rather than coming to a resolution as partners, and putting myself as the consumer in the middle. I have escalated this as high as possible with XXXX over the past 6 months and have not gotten a response nor a resolution, and I have needed to downgrade BXXXX XXXX in the meantime as I am not getting the benefits that are supposed to come with this card. Of course, I will upgrade again right away in order to resolve this issue. My information ( email, name, address, etc. ) matches exactly on both the American Express and XXXX sides, so I am not clear why I am not being upgraded immediately to the 5 % tier when activating a XXXX XXXX subscription. This is a co-branded card and a partnership and I need American Express to work with their partner, XXXX, on this issue to properly meet the terms agreed to with this card when I signed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

Took more then 90 days to investigate my dispute for these accounts XXXX - ACCOUNT # XXXX XXXX XXXX - ACCOUNT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans was sold to  XXXX  ( unbeknownst t o me ). I 'm c urrently in forebearance and will be until  XXXX / XXXX / 17 , however,  XXXX  have started reporting that I 'm delinquent as of  XXXX  of this year, after I completed my repayment certification in  XXXX . When I called them to try and get an understanding, the agent I spoke to stated she could n't find a reason why and confirmed my forbearance status and requested that I resubmit my repayment application. I completed it once again in  XXXX , sending in the requested income documents. Shortly after I received an email on  XXXX / XXXX / 17  stating that they received information that my name had changed, my name have n't changed in 7 years! This incorrect information has severely impacted my credit score and have caused unwanted  financial issues.  XXXX  is one of the worst companies I have ever done business with and I ca n't wait until I am no longer a client of theirs.
Product: Bank account or service

In XXXX 2015, I called to change my account type to a " Basic '' checking account. I experienced a job loss, and I was no longer able to meet the direct deposit requirement for a fee waiver. The representative performed the switch to a " Basic '' account which would lower the monthly service fee from {$25.00} to {$12.00}. This change was not actually performed, and I have been charged the {$25.00} fee for five months. The bank refuses to credit me for the five month period of fees, despite having no activity on the account. I 'd like a refund of the {$65.00} in additional fees charged due to the bank 's error. ( 5 months x {$25.00} ) - ( 5 months x {$12.00} )
Product: Checking or savings account

People 's United Bank transitioned to M & T Bank XX/XX/22. M & T sent me information about continuing to use XXXX and how I was to go about this. I went through all the steps many, many times without being able to connect the bank to XXXX. I have spent literally hours on the phone with M & T trying to resolve this. Last week I spoke again with M & T and " XXXX '' said she would work it out and call me in a few days. It has now been almost 2 weeks and I have heard nothing from M & T. At this moment, I have been waiting on the phone for 1 hour and 25 minutes to speak to someone in online banking. This is really completely unreasonable. 
I had no choice about my bank being changed or my services curtailed and I feel completely helpless in trying to resolve their problem when I can not even speak to someone after 1.5 hours of waiting.
Product: Checking or savings account

Back around XXXX of XXXX I was scammed out of {$900.00} using XXXX for a beach house rental through Bank of America. A detective in Florida reached out to me in Texas because he wanted to know if I authorized a XXXX payment to a XXXX XXXX that they were investigating for fraud through B of AXXXX XXXX XXXX The detective told me that the scammer actually banked with Bank of America and that makes my stomach turn because I have had that account since XXXX and the scammer had XXXX figures in his account and B of A fraud dept would not reimburse for my money. I never saw a dime back and also was scammed {$170.00} in XXXX of XXXX through XXXX a football ticket. same thing B of A said too bad so sad. I want in on the lawsuit and can provide proof of both XXXX  payments and I kept the certified letter from the detective. Thank you for your time and helpfulness. 

I can not find the letter from the detective.
Product: Consumer Loan

I entered into a contract with XXXX XXXX XXXX XXXX in XXXX, Ohio ( buy here pay here auto sales ). The car sold was a lemon and the transmission died on the vehicle early in the loan. XXXX XXXX Would not help me and sent me to call Guardian Finance whom bought out the loan on the vehicle. I was told by XXXX to send the car to an approved auto body shop and she would approve for the car to get fixed ; then she would take the price of the fix on the car and put it on the back of my loan. XXXX reneged on this deal after a verbal agreement was made. XXXX approved for the car to get fixed then told me I owed upfront for the car and an incurring balance for the car 's loan. I was unable to pay {$3000.00} for this process and the car was commandeered instead. Guardian Finance sued me for the {$3000.00} ; posted on my credit report that I owed {$3500.00} with them and {$3000.00} with the courts. The creditor proceeded to harass me and my family for the money telling family and friends that I owed on another amount for the loan. Now, Guardian Finance has reported on my credit report that I owe them {$8000.00} instead of {$3500.00}. This car was resold after being fixed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

My Bank of America account has currently been drained due to a check that was supposedly duplicated two months after the original deposit. Check was supposedly duplicated at XXXX XXXX  so says Bank of America. This is not possible. This never happened. The original Check writer as well as myself have had conversations with XXXX XXXX & they are saying a duplicate check never happened & the only thing showing on their end is the original check cashed & cleared with no issues. Bank of America is refusing to return my money refusing to help stating that XXXX  must fix it but they can not because on there end all is clear. My account is now in the negative to no fault of my own & no one will help me to fix it. I do not recall names as most people I spoke to were customer service. I went two different times to speak in person once in XXXX NJ Branch ( spoke with manager ) and once in XXXX NJ by appointment also had numerous phone conversations via phone with customer service. I Have also been to XXXX XXXX  personally two times & the original writer of the check has made phone calls as well as spoke to XXXX in person. Bank of America is showing me no proof or evidence that this actually happened. They are just repeating what an operator is saying on another line. They do not know how to explain it and they they themselves have stated they are confused by it & that it does not make sense. As stated above the little money I did have is now gone as well as more money being owed due to bills coming out that are now bouncing back causing failed transaction fees on top of what they already took. This is to no fault of my own and as a person that lives pay check this us a horrible situation to be in. No one is willing to fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I ( natural person ) recently obtained a copy of my consumer report and there is inaccurate information reporting to my consumer report. The original creditor is reporting inaccurate information on my consumer report. According to the FCRA 15 U.S.Code 1681 everything has to be reported accurately to a consumer report and the information that is reporting is not accurate. I am demanding it be deleted from my consumer report. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and I am demanding you to! I have attached where the creditor has my information inaccurate. I am the original creditor who provided credit according to 15 U.S.Code 1692a ( 4 ) so theres no need to validate this alleged debt, I am a consumer and a debt is obligated or alleged according to 18 U.S.Code 8. In order for something to be verified on my account it must be investigated according to 15 U.S.Code 1681a ( e ) and you failed to do that
Product: Credit card or prepaid card

I began a repayment plan with Discover Financial in 2022 to pay off the balance of my credit card instead of accepting a settlement which would have closed my account. I understood that the card would continue to have no available credit until a point where the account was re-evaluated. I've been in the process of improving my credit and paying off creditors starting with the least amount owed. Since then, I've paid off a car, paid off one credit card in full to re-establish a line of credit and made an agreement to pay another off 2 months from now. Once this was paid off, I would pay at least {$500.00} a month to Discover instead of the {$250.00} ( twice the minimum agreed upon ) I've paid on time since the agreement. 

I've been informed now that despite not missing any payments since beginning this payment plan, that my account is closed. This is a breach of contract. I was never advised that in order to maintain an " open '' account I could not use, that they would create some arbitrary deadline to repay the entire balance. 

When you discuss repayment plans, make them put it in writing. Get transcripts of calls. Record them and advise them they're being recorded if it's legal in your State. 

And if you're considering Discover, I'd advise not to at all. I thought they would honor their obligations according to the positive feedback they used to have. XXXX gives them a XXXX rating ( XXXX XXXX XXXX XXXX ). Something must've changed. They're covering potential losses in the event of a recession, so they're closing accounts to reduce risk. How is " no credit available '' a risk to them?
Product: Mortgage

On XXXX/XXXX/XXXX - I called my bank ( and employer ) to check to see if I could refinance my mortgage. XXXX provided great service. She ran all the numbers and saw where I could lower my mortgage by XXXX. During the application the " ratio '' came out too high ; So we could n't continue with the application. 

After the call, this disturbed me ... I am already paying my current mortgage ( without incident ) and there is an opportunity for me to lower it by XXXX and the application system wo n't recommend it - this seems really unfair ( almost illegal ) ; I asked that they relook at the application - The decision not to move forward would seem logical to me if I were requesting adding additional credit, etc ; but if I 'm eligible for a reduction and my financial state is the same or better ( as when I originally initiated the mortgage back in XXXX ) why should I be denied this opportunity
Product: Debt collection

XX/XX/17 XXXX and XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, reached out on 8 occasions in an hour to my employer and called two family members with in the same hour after asked not to reach out to my employer and advised when the next payment would be made. I advised the company and its agents that I would have the payment on XX/XX/17 more than a week prior. The company threatens to repossess and continues to harass me at work and via relatives.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act account : XXXX, has violated my rights, 15 U.S.C 1681 Section 602 A, States I have the right to privacy.

15 U.S.C 1681 Section 604 A, Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692b acquisition of location information by debt collectors.
Product: Debt collection

HI : NATIONAL CREDIT SYSTEMS / XXXX XXXX # XXXX {$2700.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Product: Credit reporting or other personal consumer reports

Credit Acceptance has engaged in nefarious and deceitful tactics so I have found proof that they have deleted information from my Credit Report. 

In XXXX of XXXX  Credit Acceptance entered my Credit Report. 

In XXXX, XXXX, XXXX and XXXX I received notifications from XXXX XXXX that my On-Time Payment History was at 100 %. 

Credit Acceptance has been deleting positive payments from my report ever since and I have screencaptured my report periodically to illustrate this.

They also accepted an undisclosed amount of Money 'on my behalf ' but only applied a 'rebate ' amount to the
loan which is illegal specifically for the State of New York as illustrated in the next screenshot as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/19 I made two mortgage loan payments however, the payments were misapplied to the same property. I contacted my mortgage servicer ( Cashcall mortgage/XXXX ) to resolve the error. I was told the reversal was being done however, any credit reporting would have to be requested online via email. Unfortunately, it took approximately 30 days for the matter to be corrected because the initial customer service agent made an error which closed the task ; the second agent did as well. As a result, a second negative late payment was generated and sent to the Credit Bureau. I was instructed to contact them by email to generate a ticket which I have done but the site does not generate a ticket. I have faxed XXXX 7 days ago with a copy of the auto message that is generated after submitting an email with no response.
Product: Checking or savings account

About a year ago I had opened a Paypal account for an ecommerce site. When I lost the domain name by failing to " renew '' I also lost access to the email used on that paypal account. When I tried to change this information it wouldn't send a " text '' message for me to verify to the number I had already gave them for the purpose - without notify me at all of any changes to their security policy or even giving me a chance to update to a number they found suitable. I was without email access and phone access and I tried for weeks to contact them directly and was told there was nothing that could be done without having access to either the phone number ( which i did ) or email. I then noticed the " verify '' phone number had been changed. I called again and asked until i was able to figure out how to make the impossible possible with gaining access to an email i didn't own the domain to anymore - now my number is something completely different so lock the account. 

I have offered to every kind of piece of government issued ID to paypal - video ... fingerprint ( which they have on file ) ... whatever to prove I am me. All with the reply- unless i have access to that email. So now what - last I knew there was a XXXX XXXX dollars in my account that I can't access. I don't know what else to do. Thank you for taking the time to read my heated letter.
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.
Product: Debt collection

I told them i was in a agreement with XXXX and i tried to make a small settlement they could and wouldn't work with me