23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have an issue with DiTech Financial who holds the mortgage on my home. They have demanded reinstatement funds from me to postpone a foreclosure sale, which I provided and can document ( see attached ). However, they failed to apply these funds to the mortgage, they have kept my property listed as a foreclosure sale through public notices and they continue to categorize my mortgage status as delinquent. I dont know if this is due to incompetence or inefficiency or if DiTech is attempting to steal my home through their unethical business practices. Due to unforeseen circumstances my home went into delinquent status. Once I was made aware of the circumstances I reached out to DiTech to resolve this matter. I was told that the only option available to postpone the foreclosure was to fully reinstate the loan. I contacted legal representative XXXX, XXXX XXXX XXXX in order to determine the amount that needed to be paid to reinstate the loan and postpone the foreclosure sale. The SAME DAY I received the reinstatement figures I wired the money to them, and they acknowledged receipt of the funds and communicated with me that the foreclosure sale date had been cancelled. So one would think that everything was fixed and the situation handled. My home is still listed as being in foreclosure and as recently as 3 weeks ago a foreclosure sale notice was posted. My mortgage statement does not reflect the fact that I am paid up and current and instead continues to give the impression that I am in delinquent status. Despite repeated attempts to correct this issue and to obtain a proper accounting DiTech has rebuffed me at every turn. I need to get a full and correct accounting of payments received and applied, as well as the amount of late fees, legal fees, inspection fees and likely JUNK I have been charged. I have been an Attorney for the last 27 years and am able to make my current monthly mortgage payment without a problem. My issue relates to my wife, who has been having some mental health issues lately. She was in charge of paying the bills, and for some reason she neglected to make the monthly mortgage payment for several months. As soon as I became aware of this and the fact that we were in foreclosure status I IMMEDIATELY attempted to work things out and ended up reinstating the loan as directed by DiTechs law firm. Why has DiTech refused or ignored the fact that I reinstated my loan? Why is my property still listed as a foreclosure sale?? Why does my statement not reflect the amount I reinstated? Why is there a deferred balance listed on my mortgage statement? Why is DiTech treating my mortgage as though it is in delinquent status when I have reinstated the loan and made the monthly payments as agreed the last three months? I need some answers.
Product: Vehicle loan or lease

In XXXX I changed my insurance from XXXX to XXXX. I had no issues doing that. 
My financial company, Lobel Financial, immediately tacked on {$110.00} on every monthly payment for not having insurance. After providing the paperwork to prove my insurance never lapsed, it simply got changed, they promised me over the phone that they would refund my {$110.00} and remove that from my account. 
This has happened every month since XXXX. I have payed extra {$110.00} everytime. Last month I told them I would not be paying that, and paid only for my monthly amount. They have since started charging me late fees. 


I also sent a certified tracked letter from USPS to make sure that I had proof they received the paperwork. They have said everytime to send it to this e-mail : XXXX They never answer this e-mail. I have sent over 10 e-mails to them. The support does not help. I have been shut down on the phone MANY times. They do not give call IDs or record the calls. I have asked if I could go to a physical location to fix this but everytime I ask that they shut the phone on me. The office that's listed as their location in XXXX XXXX is empty. I have found evidence of a major lawsuit against them, that they lost, for this very same reason. Where it affected upwards of XXXX people. Here is the link to it : https : //www.consumerfinance.gov/enforcement/actions/lobel-financial-corporation/ I am at the end of my rope. It has been 3 months that having my wife unemployed, work is very hard to come by and money is very tight. I have begged, cried, screamed, pleaded to be helped by these incompetent and corrupt people, but nothing has been done. Currently I'm seeking legal representation to sue them.
Product: Credit reporting or other personal consumer reports

Hello By law, student loans should not report to any credit bureau.

According to the FCRA, 15 U.S. Code 6802 b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option I should be informed of my rights. Under the Gramm Leach Bliley Act you have a right to opt out getting your nonpublic personal information shared with a non affiliated party. All three bureaus are non affiliated three parties. My rights have been violated as I was not provided with the Opt out disclosure.
Product: Checking or savings account

I opened an account at Merrill XXXX which is a branch of Bank of America around XX/XX/2020. The account came with checks and debit cards but it is a brokerage account which I can trade and invest with. I have other active brokers, all which have an 5 business day hold on checks as standard. 

On XX/XX/2020 I ACH transfered {$100.00} from my local XXXX checking account. 
On XX/XX/2020 I deposited a check for the amount of {$2100.00} drafted on a Bank of America business account, made payable to my name. 

After XX/XX/XXXX, I tended to log on each day to check out the interface and features of the Merrill website. My {$100.00} transfer was available to tradewithdrawal immediately. The check sat on an standard deposit hold. 

On XX/XX/2020 the day the check should have cleared, I was unable to log in website. I was unable to see my balance, access my cleared ACH deposit, or the check in question. When speaking with the customer service rep. He stated that my account was currently under review. When I ask how long it would take, he could not give me a finite date. He offered me the option to place a trade, at which I thought, I do not not want to pay a {$29.00} broker fee to place an over the phone trade. I just want access to my money. In lieu of the review I requested that the account just be closed. At this point I am frustrated and just want my money as soon as possible. 

There is no reason I should not access to money which cleared ACH two weeks prior and check drafted against the same bank which is not on hold. 

I don't think it is fair that they can cut off your online access to your account, in addition to hold money because they feel the need to review the account. I need my money now, and I don't want this process to drag out 90 days before they realize their mistake. If the want to put a hold on check, they should tell me that but still give me access to the rest of the money in my account.
Product: Credit reporting or other personal consumer reports

Early Warning I am requesting once again, a copy of my credit report and a suppression of my information. You are not allowed by law to not protect my information if that is my request. There is no law that allows you to do that. There is no law that allows you not to provide a copy of my credit report no matter how many XXXX XXXX  letters you sent me
Product: Money transfer, virtual currency, or money service

I was a victim of a fraudulent scheme in XX/XX/year> that involved Bank XXXX XXXX XXXX product. 
The perpetrators posed on XXXX as a nearby homeowner desiring to give away a grand piano. When I inquired, the response was the homeowner had given up and the piano had been moved. The scammer was willing to have me pay to have the piano moved back to Massachusetts. Suspicious, I called the BOA fraud line, and the operator looked up the moving company online, as I had, and assured me it look ok. Using XXXX, I paid {$XXXX} for the move. 
A second communication indicated the piano would need to be packed more securely for a move, and more money was necessary. I no longer have a record of what I paid for that, through XXXX, but it was around {$XXXX}. Needless to say, no piano was ever delivered. 
I contacted BOA, seeking fraud protection or reimbursement, and that was denied by the bank. I did not pursue the matter further.
Product: Credit card or prepaid card

I received an email ( XX/XX/XXXX @ XXXX ) from XXXX XXXX to check my credit score. As I checked my score, I just realized that my credit went down drastically. It said that in my " Payment history '', I was currently " 60 days past due '' on something. As I checked, the " XXXX XXXX  XXXX XXXX '' ( XXXX XXXX ) stated that I was late on my payment. 

From here, I called the XXXX XXXX  customer service number on the back of my credit card to double check my account balance. As I checked, they said " Your account is currently past due. Your current account balance is {$12.00} ... The balance on your XX/XX/XXXX statement was {$12.00}. Your last payment in the amount of {$74.00} was received on XX/XX/XXXX. Your next payment of {$12.00} is due by XX/XX/XXXX. Your XXXX XXXX XXXX XXXX account is past due. 

I then went online to check my XXXX XXXX account statements. I was able to check it online and it said in the XX/XX/XXXX statement that a " CREDIT PRO XXXX '' charge of {$0.00} was there and a " MINIMUM INTEREST CHARGE '' of {$2.00}. 



As I tried to click on the other statements, I received a " We're making improvements to your online experience. Some features may be unavailable on XX/XX/XXXX from XXXX AM to XXXX XXXX ET, and again on XX/XX/XXXX from XXXX XXXX to XXXX XXXX ET. 

XXXX @ XXXX '' and a " Internal Server Error The server encountered an internal error or misconfiguration and was unable to complete your request. 

Please contact the server administrator, [ no address given ] and inform them of the time the error occurred, and anything you might have done that may have caused the error. 

More information about this error may be available in the server error log. 

Additionally, a 404 Not Found error was encountered while trying to use an ErrorDocument to handle the request. '' I did not authorize XXXX XXXX to enroll me in any program. 

Provided are the screen shots and the XX/XX/XXXX statement. 

I have also sent in a dispute request through XXXX XXXX for this transaction stating that I have no knowledge of this transaction.
Product: Credit reporting or other personal consumer reports

Recently, I did an investigation on my credit report and found several items on there to be inaccurate. I sent a letter credit bureaus with proof that they were reporting inaccurate information on my credit file. XXXX have since deleted this item off of my credit report. However, XXXX and Transunion continues to state that this item belongs on my report despite the proof that I have provided and worked for the other bureau. This inaccuracy is really stopping me from moving forward while hurting my credit rating. I am a victim of identity theft, I ask that the items be deleted to correct my credit report. I have also enclosed copies of the Federal Trade Commission 's Identity The Affidavit. 

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report, it shall follow reasonable procedures to assure the maximum possible accuracy of the information concerning the individual about whom the report relates. 

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general, if after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or mostly that item of information, as appropriate, based on the results of the reinvestigation, and ( I ) promptly notify the furnisher that information that the information has been modified or deleted from the file of the consumer. 

According to FCRA Section 605B it is illegal to report information on my credit report without my permission Please remove the following items from my credit report, immediately : XXXX XXXX XXXX
Product: Money transfers

I have a Western Union money order that was made out to me. I tried to cash this money order at a WESTERN UNION facility. They do not cash their own money orders!! It seems Western Union will gladly accept someone 's money but will not give it to the person it is made out to. 

The only place to cash Western Union money orders is at check cashing places that charge 8-10 % of the amount! I just called around. 

This is ridiculous and takes advantage of the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit Bureau refuses to reinvestigate accounts where documentation has been provided to them stating that the vendor amounts are incorrect and has no information or data on accounts.

Credit Burasu refuses to provide any documentation and method of verification, but instead telling me that I need to contact the vendor.
Product: Mortgage

I sent an email to Home Loan Serv on XX/XX/year> stating that I made XXXX full payments to my loan. These were applied to the loan and the past due days were lessened. I check my mail to find that they sent me a check back so I gave them a call. I spoke to XXXX and advised that I made XXXX payments and now they set my loan back to 120 days past due ( they left enough to make XXXX payment ) so I asked for that to be applied to the loan. I'm not understanding why the mortgage company will send back a payment instead of paying to the loan. The only reason would be to foreclose on the property instead of allowing me to pay the payments and this is not right for them to send back money instead of applying to the loan. They gave me to other recourse.
Product: Credit card or prepaid card

On XX/XX/2020, I purchased a {$120.00} product from XXXX that had a 30 day return available for any reason. I paid with my XXXX  account which was linked to my Citi card. I emailed the company on XX/XX/2020 and XX/XX/2020 to attempt a return, but they didnt respond. On XX/XX/2020, I disputed the charge, and advised the company that I had filed a dispute. The COO responded the same day acknowledging receipt of both initial emails. My Citi dispute process advised me to attempt a return. I returned the product as per the companys online instructions, and received a delivery confirmation on XX/XX/2020. I did not receive the request from Citi for the tracking receipt, so my dispute was denied on XX/XX/2020. On XX/XX/2020, the COO agreed to a refund if I sent the tracking receipt showing that the product was returned. I sent the tracking receipt, but then she said that they were unable to provide a refund with an open dispute. She said that once the dispute was withdrawn, she would process a refund. I showed her on XX/XX/2020 and again on XX/XX/2020 that there was no open dispute. On XX/XX/2020, I provided the tracking receipt to Citi, and advised them that I wanted to reopen or appeal the dispute because I provided the COO with all requested info, but she still would not send my refund. On XX/XX/2020, I emailed Citi to inquire if my dispute had been reopened. I received no response. On XX/XX/2020, Citi advised that they could not assist me because it had been 6 months since the purchase. On XX/XX/2020, the COO advised that it was impossible to process a refund because of the way XXXX was set up in their system. They advised that they would process the refund once XXXX advised them how to do it. I contacted XXXX, who deferred to Citi, as I never opened a XXXX dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2021 I reached out to equifax about unauthorized inquiries on my report. After a slew of misinfrmation and failed security attempts, im told to send my very personal information in to prove my identity, after giving information that is listed in my credit report. There is unauthorized credit in my name and equifax is refusing to assist me in the correct direction. My information has been apart of an equifax data breach. They are absolutely rude and treat you like a criminal, while they are responsible for the leak of your information. I will fax over the items they asked so i can get this stuff of my credit that I did not authorize. Agent was XXXX in XXXX XXXX XXXX Department at XXXX today
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Regarding Violation of Consumer Rights, Privacy Act, FCRA, and Consumer Protection Act I am writing to officially register a complaint against [ Credit Reporting Agencies Attached to this complaint / Financial Institution attached to this complaint ] for significant violations of my consumer rights, privacy act rights, the Fair Credit Reporting Act ( FCRA ), and the Consumer Protection Act. This complaint is submitted in accordance with the relevant legal provisions and is based on the following grounds : 1. **FCRA Violations : ** - As a federally protected consumer, I hereby exercise my right to opt out of any and all authorization for the disclosure of my nonpublic personal information, in accordance with 15 USC 6802.

- Per 15 USC 6803, [ Financial Institution attaches to this complaint ] failed to provide the required notice or disclosure regarding the sharing or selling of my private information to non-affiliated agencies, such as consumer reporting agencies.

2. **Consumer Reporting Agencies ( CRA ) Violations : ** - [ Credit Reporting Agencies , e.g., XXXX XXXX XXXX XXXX  XXXX XXXX, are non-affiliated third-party entities that have violated my privacy by accessing and sharing my personal information without explicit consent. 

XXXX. **Privacy Act Violations : ** - Violation of my rights under the Privacy Act ( 5 USC 552a ) by [ Financial Institutions and CRAs ] through the willful sale and sharing of my nonpublic information without proper permission and notice.

4. **FCRA Compliance Failures : ** - [ Credit Reporting Agencies and Financial Institutions ] failed to maintain reasonable procedures to ensure users had permissible purposes for accessing reports, assure maximum possible accuracy, and provide FCRA-mandated User Notices. 

5. **CFPB Enforcement Action : ** - Reference to the recent enforcement action against XXXX by the Consumer Financial Protection Bureau XXXX CFPB ) on XX/XX/year>, highlighting concerns about the industry 's compliance with the law. 

6. **Damages and Legal Remedies : ** - Due to the failure to honor my opt-out requests per 15 USC 6802, I have suffered traumatic emotional, financial, and physical damages, necessitating legal redress.

7. **15 USC 1681n- Civil Liability : ** - Pursuant to 15 USC 1681n , I seek civil liability for willful noncompliance, including actual damages, punitive damages, and legal costs.

8. **Dodd-Frank Act Violations : ** - Asserting that [ Credit Reporting Agencies and Financial Institutions ] are engaging in deceptive acts or practices, violating consumer financial laws under the XXXX XXXX XXXX Reform and Consumer Protection Act. 

In consideration of the aforementioned violations, I request a thorough investigation into this matter and a detailed response outlining the corrective actions taken. Attached herewith are supporting documents demonstrating the unauthorized sharing of my personal information. 

I am prepared to pursue legal avenues for resolution if necessary. Your immediate attention to this matter is appreciated, and I anticipate a timely resolution.
Product: Debt collection

Hi my name is XXXX XXXX and I am messaging you because paypal keeps calling, me because i have an overdue balance of {$1600.00} and i have emailed them plenty of times to let them know I can not make that full amount of the payment and the reason the amount is that much is because this person decided to put that amount of money on my paypal account and then she wanted a refund and i do not have that type of money I have a dead end job and I am a single mom of XXXX kids so if there is anyway to remove this amount off my account please do if not I can only make monthly payments but I shouldn't have to because it was not my fault she should have never gave me that money in the first place if she wanted it back I'm just saying.
Product: Credit reporting or other personal consumer reports

I am deeply dismayed and frustrated to discover that my identity has been compromised, rendering me a victim of fraudulent activity. Regrettably, I am entirely unfamiliar with the entities associated with the accounts in question, as I have never engaged in any transactions with them. I wish to assert that I have not provided explicit, written consent for any third-party consumer reporting agency to furnish data pertaining to the following accounts. It is imperative to recognize that my privacy rights have been infringed upon, and any unauthorized disclosure constitutes a breach of my security and could potentially lead to identity theft.

I hereby demand the immediate removal of this fraudulent data from my records. In accordance with 15 USC 1681-c-2, I expect this action to be completed within four business days to mitigate any further legal consequences. Your prompt compliance with this request is greatly appreciated.
Product: Checking or savings account

I received emails this morning from US Bank saying my new checking account application was pending and they needed more information. I called them, asked them to cancel the application ( which they said they could not do ) and asked what information was used in the attempt. 

I will now place a credit freeze on our EIN number to keep this from happening the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccurate reportings with XXXX, Experian, and XXXX   several times to no avail. XXXX  is reporting an incorrect spelling of my last name XXXX is incorrect. The following addresses are incorrect and do not belong to me, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX  XXXX. I never paid the following accounts late, XXXX XXXX XXXX XXXX, Experian and XXXX  are reporting late payments XXXX through XX/XX/2019, XXXX is reporting my payment status as " Late 30 days '' but does not specify when the alleged late payments were made, XXXX XXXX is reporting my payment status " Late 120 days '' for XXXX and XXXX  and " Late 180 days '' for Experian but does not specify when the alleged late payments were made, XXXX is reporting my payment status " Late 120 days '' for XXXX  and XXXX  and " Late 180 days '' for Experian but does not specify when the alleged late payments were made. I have reached out to the credit bureaus to help me in getting this matter resolved. Is XXXX, Experian and XXXX considered to be furnishers? These accounts were not paid late and XXXX, Experian and XXXX have failed to plead their case to who has provided them with this false information. Please help me to get this matter resolved.