23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lakeview Loancare assumed my mortgage from XXXX as of XX/XX/2021. Multiple issues occurred with XXXX that I disputed for the last several months. I was told I had an escrow shortage of more than {$2000.00} but after researching multiple errors on XXXX 's part I was reimbursed and should have offset the whole shortage. No more than did I think the error was taken care of and that I could ask Lakeview to do an out of term escrow analysis to realign my payment, when I discovered that Lakeview turned around and double paid a tax bill that was already paid and a penalty bill that should not have been paid on XXXX. ( the penalty was an issue I fought with XXXX about and they agreed it was their fault and accepted responsibility and reimbursed me the penalty fee ). Here are the transactions : XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX called Lakeview several times and have been told that they realize their error but that I will have to wait for the return of the checks. The tax office has not received this double payment nor has the collection agency. No one seems to know where these payments went to and Lakeview won't give me an address. I have been waiting for another 5 weeks to get this fixed. After 3 months of fighting with the prior mortgage company. I feel as if this is negligence on the behalf of the lender and if I had not taken hours to figure out all of these error and 20+ phone calls, I am not sure I ever would have seen any of the money returned. Please can you help me get the {$210.00} & {$690.00} reimbursed to me? I am so frustrated and they are completely unhelpful! XXXX XXXX
Product: Mortgage

I am the executor of my father 's estate. My father in law died of XXXX  in XXXX ; my father died in XXXX. I am managing both of their estates. 

I am in the process of selling my father 's house. The title company asked for a payoff statement from Wells Fargo. On it is a charge for {$2100.00} for insurance. 

I can only surmise this charge is there because I was late in paying my fathers XXXX XXXX homeowners policy for {$270.00} due to the delay in mail forwarding from Pennsylvania to my home in Kansas. The policy was paid in full on XX/XX/XXXX and was registered on Wells Fargo website by me on XX/XX/XXXX per their instructions in a letter to my deceased father. 

How can Wells Fargo ask for {$2100.00} for a {$270.00} homeowners policy and possibly delay the sale of this property based on their inability to read their own systems?
Product: Mortgage

I made a HELOC mortgage years ago and while i was a resident of the US since XX/XX/XXXX i thought i understood what the terms were however after 10 years i learned the entire principle amount of over {$40000.00} was due. This was in XX/XX/XXXX. From that time until right now i have made a payment each and every month to lenders ( or debt collector may be a more accurate phrase ) servicing this loan. I even reduced the principle over {$10000.00} during that period. On XX/XX/XXXX i applied for a new mortgage and was very surprised to learn i was declined and can not buy a new house because the company reporting the loan which was the HELOC is reporting me well over 90 days late each month for almost all XX/XX/XXXX and back prior. I do not see how this is fair that i make payments to them in amounts they ask and yet they show me very late- to the point of not being able to buy a house for me and my XXXX children ( i am a single mother ). The company reporting these tales which cost me my new loan is Real Time Solutions and now it is sent to XXXX XXXX XXXX point and they too show tales.
Product: Checking or savings account

Ok so my debit card got taken by someone and a bunch of charges were done on my account. I disputed them as soon as I got another phone and logged into my account. My phone was stolen along with debit card. They disputed so many charges and even gave me money back for alot of them and denied several of the same kind of charges to the same companies. Which makes no sense. Well since then my account is permanently frozen and I can't get my funds out of the account. I want to close my account and have my money sent to me bc it's rightfully mine. They said I violated user rights but won't tell me what I don't and no one will talk to me at all. They hang up immediately after I tell them my account info. Please help me recover what is rightfully mine and close this account to this scamming XXXX " business ''.
Product: Debt collection

Today, my husband and I received a notice from our bank we were overdrawn, since we were paid 24hrs ago we logged onto our online bank to see that there was an {$18000.00} withdrawal. We called our bank, they said midland credit management took our money. We immediately froze our account and called this company. We of course refused to give our SS #. Which they were very upset about. After some digging, our names are not on their list of people that owe them . So I demand to speak to a manager to which I 'm told no they are busy and I 'm hung up on. Every attempt to call back is unresolved. Each dept I reach says hey ca n't help us. We want to know why they took our money when we are n't in debt, not are we involved with any debt collectors as we are current on any debt we have
Product: Debt collection

I was unaware that I had any debts of this amount. I recently paid off outstanding XXXX bills and was never notified of any unpaid balances of this amount.
Product: Credit reporting or other personal consumer reports

I am disputing the validity of all claims related to the account referenced under VIN # XXXX or relevant account numbers. Under the laws of OK and in accordance with the Uniform Commercial Code ( UCC ) XXXX as well as State XXXX and XXXX statutes, no deficiency may be claimed unless all required notices were properly and timely provided, and all allowable redemption and cure periods were honored as mandated by law and I can assure you that proof that the repossession of the subject vehicle was not legally in accordance with the following UCC : XXXX. EFFECT OF ERRORS OR OMISSIONS. XXXX. NOTIFICATION BEFORE DISPOSITION OF COLLATERAL XXXX. TIMELINESS OF NOTIFICATION BEFORE DISPOSITIONOF COLLATERAL. XXXX. CONTENTS AND FORM OF NOTIFICATION BEFORE DISPOSITION OF COLLATERAL. Any continued collection efforts or reporting of this disputed account to credit bureaus will be treated as a violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Transunion about inquires on my credit report that I did not make. The representative would not assist and take care of the negative inquires reporting on my credit report. 

I am requesting all of these inquires to be deleted. 
-XXXX  XXXX XXXX XX/XX/XXXX -XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns Regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with a platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPBs findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users as vulnerable to scams. The lack of accountability and transparency is unacceptable and raise a serious concerns about consumer safety.
Product: Money transfer, virtual currency, or money service

XX/XX/year> I sent XXXX from my Truist bank account through XXXX. However, XXXX digit off, it went to the wrong account. Based on their contract with XXXX they were unable to cancel the payment or retrieve my money. They told me I had to contact the individual that I made a mistake and sent the money to. 
This is a transfer through a bank account which I think falls under the red d regulations. This has been a nightmare of course the person is not calling me back. How is it possible that you can send money and we are human and we make errors. This has been a nightmare for me and my family because the money was meant to pay mortgage.
Product: Debt collection

I am unaware of this debt. I don't even know what this debt is pertaining to. This company has not sent my anything via mail, phone, or email verifying such debt. I was not made aware until it I was notified through my credit report. I would like for this debt to be removed from my credit report as I believe this debt is an error.
Product: Debt collection

Fact, Simon Agency in is in violation of the following sections of 15 USC 1692 : 1. 1692b. ( 2 ) 2. 1692b. ( 5 ) 3. 1692c. ( 1 ) 4. 1692d ( 2 ) I have attached all exhibits to prove they are in fact in violation of my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, Experian, and XXXX, I know from personal experience, are and have been advertise inaccurate credit card match approval odds for quite sometime. This could be a huge class action lawsuit. All of these credit reporting agencies get paid by how many applications they refer from their sites, commonly known as click bait. These companies are advertising personalized matched credit card offers with inaccurate approval odds. This unlawful and unethical business practice which should or may be illegal, is not being enforced and these companies are destroying peoples credit and effecting them financially all so that they can make a buck. False advertising or click bait is advertised in broad day light. With all of the above named companies they have shown me personalized matched offers with approval odds from fair-credit karma guarantee, and or outstanding, Good, and Excellent. Example : All XXXX card require that your application for a credit card be your first or second hard hit, if you have two hard hits and apply for any discover card you will automatically be denied. I have XXXX  hard inquiries currently on my credit, so how can I have outstanding, good, excellent, or XXXX stars matched for you? How when I have XXXX hard inquiries and am guaranteed to be denied how do I even have fair let alone good or outstanding odds of approval? These companies are passing false information off as fact, hurting the American consumers financial footprint so they can make money off of our information. Isnt this illegal on many levels? Not to mention the integrity opportunity.
Product: Mortgage

Shellpoint took over loan servicing in XX/XX/XXXX. Starting XX/XX/XXXX, we set up an automatic bill pay through XXXX XXXX, directing them to pay Shellpoint {$4800.00} on the XXXX day of every month, representing the monthly {$11000.00} PITI and an additional {$3000.00} principle reduction. The attached monthly statements show that those payments were correctly made on the XXXX day of every month, starting XX/XX/XXXX and continuing through XX/XX/XXXX. 

Shellpoint claims they never received the XX/XX/XXXX and XX/XX/XXXX payments. When they got the XX/XX/XXXX payment, they applied it to the XX/XX/XXXX and XX/XX/XXXX PITI payments and showed the XXXX PITI payment as being short. As of early XXXX, two {$4800.00} payments, a total of {$9600.00}, were floating around somewhere in Shellpoint 's system and not properly credited to our account. 

On XX/XX/XXXX, they finally found the most of the missing payments and applied them to our account. However, they are still missing a {$3000.00} principle reduction payment that was supposed to be credited on XX/XX/XXXX. And, the icing on the cake? They have reported as as being 60 days late to the credit bureaus. I found out about this today when I applied with XXXX  to refinance another property we own. My credit score has dropped from over 800 to  under 680 and our refinancing application has been denied. We can lock in a 2.75 % for 15 years with rates at historical lows. Who knows what the rates will be when Shellpont finally straightens this out? 

I have been in communication with at least three different loan servicing agents at Shellpoint and have multiple e-mail exchanges to prove it. NO ONE has been able to figure out where our payments went. We even started getting collection calls and pre-foreclosure notices. This has been an EXTREMELY frustrating experience and now I have to deal with a sub-par credit score through absolutely no fault of our own. 

I expect to be made whole as a result of their negligence..
Product: Credit card or prepaid card

Well, Synchrony bank mastercard approved me for a {$1000.00} limit credit card about 5 months ago. I have made on time payments and even paid off the balance in full. After, I paid the balance in full they reduced my credit limit to {$250.00}. Therefore, decreasing my credit score by XXXX points. They did this at the same time they reported the payment. Which in fact had a negative impact on my credit score. I gave no reasons for them to review account and decrease my credit limit. They do this quite often, my husband had a card with them and he used it and paid it off. After he paid it off they didn't decrease his account they actually closed it. His credit score also took a dip. I dont know if anything can be done about this as it has a very negative result for consumers. I think this should fall under unfair practices.
Product: Mortgage

On XX/XX/XXXX I attempted to payoff my HELOC with Flagstar Bank ( $ XXXX ) on Flagstar Bank website but received an error message that I could not make a payment online and to call XXXX. Once I got through to a Flagstar representative, I asked why my account was blocked from making a payment online and I was told she didn't know but could make the payment over the phone. I asked to pay the outstanding balance of XXXX $ XXXX but was told the most I could pay at one-time was $ XXXX per day. I said " ok '' to reduce my outstanding principal balance and reduce my interest charges. 

I then confirmed on the website the payment went through ( which it did ) and noticed that I was charged a {$30.00} fee for making the payment over the phone with an agent. This was not disclosed to me and I had no alternative route to make a payment and feel this was very deceitful and deceptive by Flagstar. 

Additionally, I was also able to schedule a second $ XXXX payment for the following day ( XX/XX/XXXX ) on the website ( which I scheduled ) and I incurred no fee. 

On the morning of XX/XX/XXXX, I attempted to pay the remaining ~ $ XXXX balance on my Flagstar Bank HELOC and again received an error message stating I had to call XXXX. After be hung up on and transferred several times, I was connected with a representative in the mortgage department. 

She was able to assist me in scheduling the ~ $ XXXX payment and offered to close my account as well ( this option was not offered when I spoke with a Flagstar representative on XX/XX/XXXX ). She was very helpful and did disclose that I would be incurring a {$30.00} fee ( even though my HELOC has no prepayment fees ) because I made a payment with an agent over the phone. I had no options to avoid this fee and am infuriated that it cost me {$60.00} dollars to pay off my loan because the website wouldn't allow me to make payments.
Product: Bank account or service

My debit card was stolen from my car around 1 pm on XX/XX/2016. I reported to Chase fraudulent claims dept at around XXXX on the same day. There was a singular charge of {$2400.00} to an XXXX that was not mine. Chase immediately granted a temporary credit to my account. On XX/XX/XXXX I was notified that the temporary credit was being reversed and the claim denied. Detective XXXX of the XXXX Police Dept had notified me that they had caught 2 individuals charged with stealing my debit card ( and another individuals card at XXXX ). They identified through the surveillance videos at XXXX ( where my car had been parked ) and the XXXX ( where the card had been used ). Upon request she supplied me with the police report. I faxed the police report to Chase fraud dept and verified by phone that they had received my fax. Chase supplied me with a copy of the XXXX credit card transaction log confirming the purchase. I contacted Chase and told them that no pin had been used and only a signature which was an obvious forgery. Chase once again has denied the claim and has refused to reimburse this fraudulent transaction. Numerous contacts has been made with the local branch manager and fraud dept. ( nothing resolved ), then on XX/XX/XXXX they said that the claim was filed as an " account take over '' and not as a stolen or lost debit card. Last contact with fraud dept ( never the same person - this time with supervisor XXXX ) was on XX/XX/XXXX at XXXX ( she stated somethings wrong and she dosent understand and possibly the specialist was tried and put in the wrong info ) and branch manager on XX/XX/XXXX ( he cant help me but provided the CFPB website ). I believe Chase has made an error in handling this and is not properly reviewing the situation. They claim to offer protection against credit card theft, but is not doing so for me. Please feel free to contact me for more detail or further clarification. Thank you.
Product: Debt collection

XXXX XXXX XXXX has been accusing me of owing this bill for quite some time, I have tried to explain on several occasions that this bill is not mine, that I did not, have not purchased any mobile devices from them at this amount of money. I have consistently DENIED ever having or purchased Anything from them at those cost. I had filed a Identify theft report as to items o my credit report that were not my debt and those were resolve, but that darn at & t are still insisting that I owe this debt. they use to call Every day until I changed the number, I would get bill, the reps. would say to me do n't you want to have good credit, or they would say, what if you decide to buy a house or a car you wont cause your credit will be poor, and some would say you cant just make debt and not pay. but the one rep that told me to prove that I did n't owe the debt was Very disrespectful, and mean for no reason.
Product: Mortgage

I applied for an all in one loan with CMG financial. The bank has placed 3 hard inquiries on my credit report without written approval authorization or knowledge. On XX/XX/year>. I havent received a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

there are multiple hard inquires on my credit report that i did not authorize and should be removed immediately. 

i have sent a cfpb complaint 1 month ago and the issue still hasnt been resolved. below are the inquires that i did not authorize and that should be removed immediately. 

XXXX XXXX XX/XX/XXXX pulled from XXXX XXXX XXXX XX/XX/XXXX pulled from XXXX XXXX XXXX XX/XX/XXXX pulled from equifax XXXX XX/XX/XXXX pulled from equifax ID THEFT VICTIM I HAVE FILED AND CREATED A REPORT ON IDENTITYTHEFT.GOV PLEASE SEE THE ATTACHMENT BELOW ABOVE ARE THE INQUIRES THAT SHOULD BE REMOVED
Product: Mortgage

My Husband and I have been attempting to clear up errors by Wells Fargo since we did a refinance in XXXX. Beyond that we have been applying for loan modification/loss mitigation with Wells Fargo since that time. Most recently Well Fargo denied our loan modification with a letter claiming our income was only {$10.00} ( an obvious error and mistake ). We appealed their decision and have not been contacted by an investigator named XXXX XXXX XXXX ( Wells Fargo Underwriting ). She was investigating and promised a response by XXXX/XXXX/XXXX but did not call until XXXX/XXXX/XXXX only to say that she/Wells Fargo needed more time. We believe there is substantial misconduct in dealing with us and the writings sent to us in contrast to what is told to us via telephone.
Product: Credit reporting or other personal consumer reports

Consumer Name XXXX XXXX, Consumer Social Security Number XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EXPERIAN credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal loan account opened at POSSIBLE FINANCIAL on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under account number XXXX, a collection account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card

In XXXX of 2023, I refinanced my home mortgage and the mortgage company sent a check for {$5800.00} directly to Synchrony bank to pay down my credit card balance. The check was cashed on XX/XX/year>2023 by Synchrony Bank but was never credited to my account. I opened a dispute and Synchrony Bank gave me a temporary credit until I provided a copy of the cashed check, which I uploaded multiple times to their site. When I called Synchrony customer service to follow-up, they stated that they had not received the copy of the check and recommended that I fax it to them, which I did. In XX/XX/year>2023, they closed the dispute and added the charges back to my account.

I am attaching my statements, the cashed check, and the proof of the fax transmission to Synchrony Bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2021 I paid my final payment to XXXX credit. They emailed me a letter congratulating me on paying off my loan XXXX XXXX. On XXXX XXXX I noticed in my experian credit report it is still being reported as open and the balance had yet to be reported since XXXX of 2021. I contacted XXXX and I was informed that they updated the account was closed on XXXX of 2021. I also called experian and was told to dispute it with my payoff letter. After disputing the results I received a notice that the information was accurate and will remain the same.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes. 
particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serous concerns about consumer safety.