23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I received a notification from XXXX stating that my Best Buy credit card account was 30 days past due. When I contacted Best Buy they informed me that I made my minimum payment of {$45.00} on XXXX XXXX, but I was given the late notice on my credit report because the late fee associated with my account was not paid. I requested several times to get and explanation regarding this but was told that my minimum payment for my card was approximately {$160.00}. I asked if that included the late fee and the customer service rep said no it was my minimum payment. I asked to speak a dispute specialist but the specialist refused to take my dispute and stated that I did n't have any basis for a dispute. I then asked for a review of my payment history to see if there was a problem and again was denied. 

I then contacted customer service again and spoke with XXXX XXXX # XXXX XXXX and she took the time to explain what was going on with my payment history. She stated that back in XXXX my late fees were removed by a previous representative. She then explained that a payment was missed in XXXX XXXX and I was given a {$37.00} late fee. I was then informed that my balance due for XXXX was {$120.00}. After a review of my statement I observed that my balance due included my regular minimum payment of {$45.00}, my past due amount of {$45.00}, and the late payment fee of {$38.00}. I made three payments in the month of XXXX to bring my account current so that it would not effect my credit. I made the past due payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for XXXX on XXXX XXXX in the amount of {$54.00}. I then made the payment for the late fee accessed in XXXX and XXXX on XXXX XXXX in the amount of {$54.00}. This brought my total payment amount for the month of XXXX to {$160.00}, which a credit of {$34.00} should have been added to by minimum payment due for the month of XXXX. XXXX the customer service rep stated that the payment made on XXXX XXXX did not go towards the late fee as requested but instead they used that payment and applied it towards my XXXX payment. This then caused me to be accessed another {$38.00} late fee for the month of XXXX. XXXX also informed me that even though my account is closed and I can no longer add to my overall balance, that they were added any late fee accessed on my account to my overall balance and chagrining me interest. I asked her if that was legal and she could not tell me, but she did inform me that the late payment remark on the credit report was not for the minimum payment being missed but it was for late fees. 

If Best Buy would have applied the payments as instructed then the account would be current.
Product: Credit card or prepaid card

A fraudulent account was opened online, in my name with JP Morgan Chase Bank on XX/XX/XXXX.I have opened disputes with credit bureaus, reported to JP Morgan Chase Bank fraud department for investigation on XX/XX/XXXX when I became aware of the fraudulent account. I also placed fraud alerts and credit freezes with all 3 credit bureaus. On XX/XX/XXXX, I filed a police report with my local police department about the fraud/identity theft.I received a collection letter for the amount of $XXXX from XXXX XXXX XXXX XXXX on behalf of JP Morgan Chase Bank. This prompted me to check my credit report, where I discovered two fraudulent accounts, one being with JP Morgan Chase Bank in the amount of $XXXX. I have never received a card for the account with this company, I never received any billing statement, online or by mail, and my email address and phone number is not associated with the account. I did NOT apply for the account!!!JP Morgan Chase Bank also never contacted me to verify my identity before the account was fraudulently opened in my name!JP Morgan Chase Bank has been unhelpful in resolving this gigantic problem. They are also not accepting the fraudulent claim due to the account being in my name, even though I, personally, have never opened an account with them. I have taken all steps to prove my innocence and to get this removed from my credit report. I've placed fraud alerts, credit freezes, reported to the FTC, filed a police report, and have sent them letters and documents recommended from FTC as well as a copy of my identity theft report. They still will not accept my fraud claim and remove it from my credit report and collections.
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, Cadh 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 Registration E. These actions have e cause significant inconvenience and Financial loss, and I seek appropriate redress for these violations
Product: Payday loan, title loan, or personal loan

Filed an application on the line. Contacted the main number at XXXX ( XXXX ) XXXX spoke with a XXXX around XXXX she called me back in about 10-15 minutes to let me know I was approved for XXXX instead of the XXXX that I originally requested. She said they closed at XXXX but if I can get all my documents in before XXXX that she would call me back and get my direct deposit information. I called back at XXXX to make sure everything went in, XXXX answered the call and said no they couldnt get anything reviewed and get funds to me till Monday. Then placed me on a hold, she came back to say XXXX told me to wait til Monday. I told her once again thats not what I was originally told and if she would have said this from the start I would not have rushed home to get all the paperwork she needed in before XXXX. She placed me on a hold again then the Manager XXXX answered and said my application is now denied and I would get a letter in the mail for the reason. When I asked why they denied she said it was based off the documents I sent in less than 5 minutes ago. Im the middle of my sentence of asking for clarification XXXX disconnected my call.
Product: Checking or savings account

I Deposited a Certified money order into the Bank of America ATM yesterday XX/XX/XXXX The amount of the certified money order was XXXX my savings account has been opened since XXXX and has never had any issues ..... 

This is not the first time Bank of America has ignored and illegally not adhered to the funds availability policy in the United States Banking system. They are telling me that my funds will not be available until XX/XX/XXXX. 

I need access to my funds.. Please advise if you can speak to the powers that be at Bank of America and they are illegally holding funds... 

I would like to get this resolved asap as I need my money for food.. for my children, and rent.. Bank of America does not care
Product: Money transfer, virtual currency, or money service

Paypal advertises a 0.5 % transaction fee through bank accounts or using a paypal balance, or a 3.0 % fee using a debit card clearly within their international friends and family transfer page. However, on my account the lesser fees are disabled. I called PayPal customer service, and while they admit it is a problem, they have yet to fix the issue. Since this is false advertising on their part, they should refund the difference. 

This transaction occurred XX/XX/2018, and I was charged US {$11.00} instead of US {$1.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2022. And now we are in the month of XX/XX/2022, and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. I'D REALLY APPRECIATE IT IF YOU UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX BANK XXXX XXXX BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

there was an inquiry on XX/XX/XXXX and the company does not have any record of credit card opened under name. Called on XX/XX/XXXX to Kohls and they researched the request.
Product: Debt collection

XXXX XXXX is stating the amount is {$110.00} not {$160.00} so this company is scamming me and attempting to collect the wrong amount. XXXX also gave me the number to diverse adjustment and is attempting to cover the entire bill due to the modem being returned and no other payment should be owed. I spoke with XXXX from XXXX on XX/XX/. Because the modem was recieved on XXXX XXXX XXXX it will take a month for the bill to reflex and remove the balance on the account so XXXX was attempting to credit the full bill so that I may re-open the account. The collections agency refuses to speak with XXXX  and refuses to adjust the bill. They are forcing me to pay them money even though the client is attempting to remove the bill!!!!
Product: Mortgage

SunTrust Bank holds the mortgage on my home ( XXXX XXXX XXXX, XXXX, NC XXXX ) During construction of my home I needed extra funds to add another building on my property for my elderly mother. I was given a {$300000.00} deed of trust from Sun Trust ( XX/XX/XXXX ). Upon closing on my property ( XX/XX/XXXX ) The deed pf trust was paid off and rolled into my conventional mortgage. I am in the process of refinancing my home and during the title search it was discovered that the deed of trust was never removed from my home 's title. SunTrust has provided me with the
confirmation that the deed of trust was paid ( Satisfaction of Security Instrument ). Unfortunately it was filed incorectly in XXXX County ( i live in XXXX County, NC ) and tied to my previous home. 
I have tried for over a week to get in touch with someone at Sun Trust who can remove the lien against my home at XXXX XXXX XXXX, but I have been tols that it has to go through the lien research/removal department and that unit can only be contacted via e mail or registered letter. I have sent multiple e mails with the original deed of trust and the satisfaction letter to the lien department e mail and have had no response. I can not refinance my home without this issue being resolved.
Product: Credit card

Mishandling of {$5000.00} Dispute Citi Failed to Notify or Act Within Required Timeframes ( Follow-up to Case # XXXX ) XXXX filing a follow-up complaint regarding a dispute with Citi on a {$5000.00} charge XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> ). 

Citi claimed my documents were illegible but failed to notify me before the submission deadline ( XX/XX/year> ), despite receiving XXXX submissions ( XX/XX/XXXX & XX/XX/XXXX ). No secure upload portal or re-submission path was provided. 

Citi also acknowledged initiating a chargeback, but admitted it was too late to process due to missed XXXX deadlines a failure on their part, not mine. 

This appears to be a violation of my rights under Regulation Z ( Truth in Lending Act ), and I believe Citi is avoiding accountability for procedural mismanagement. 

I am requesting that the CFPB reopen this matter, investigate Citis delay and failure to notify, and hold them accountable for their obligations under federal law.

Please : Provide timestamps of all communication attempts Specify why the documents were illegible Explain why they didnt notify you that they were illegible until after the deadline passed
Product: Mortgage

I have made extra payments to my mortgage regularly. In XXXX, XXXX XXXX XXXX sold my mortgage to Carrington Mortgage Services. Since I have not yet made an extra payment with Carrington, I called last week to ask them how to make an extra payment and have it applied to the principal. They told me to go online and select " additional payment, '' and it would automatically be applied to the principal. I did, and my extra payment was applied mostly as a monthly prepayment, with only {$46.00} going to the principal. There are already thousands of complaints posted against Carrington for finding creative ways to make sure your extra payments don't go towards the principal. Why hasn't this company been shut down????
Product: Credit reporting or other personal consumer reports

This is XXXX of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

The company that is handling this debt is called XXXX XXXX XXXX. The phone number I have for them is XXXX and the woman I spoke with is named XXXX XXXX at ext XXXX. She called my home on XX/XX/XXXX and left a message about an outstanding account that was initially with CashNet USA ( online payday ) back in XX/XX/XXXX. She repeatedly threatened with jail time over this debt. I know that this debt was paid by the bank because when they pulled out the full amount owed from the account, that bank account ended up closing out with about $ 1400-1500 left owing the bank. After repeatedly being hung up on while trying to talk to her about this, I did some research and located this site. When I realized what she was doing was wrong and even illegal, I decided to file a claim.
Product: Mortgage

On XX/XX/XXXX we signed our loan modification to which was not notarized until XX/XX/XXXX with our first payment due XX/XX/2018 in the amount of {$2400.00}. We had received an escrow analysis dated XX/XX/18 but was told to disregard it because of the modification. The analysis states that our escrow amount would increase to {$620.00}. On our modification, the new escrow amount has already been increased to {$620.00} to compensate for any shortage vs. the {$470.00} on the original loan. On XX/XX/18 I called Freedom Mortgage to ensure they received the signed modification paperwork and was advised that the payment was {$2300.00}. I received a call from XXXX XXXX stating the final payment after everything would be {$2400.00}. Later we received our first statement with the increased amount to {$2400.00}. We made our first payment on XX/XX/2018 in the amount of {$2400.00} on time. A few days later I received my new statement in the mail. This statement stated that my payment would increase to {$2500.00} to cover the escrow shortage. I immediately contacted Freedom Mortgage on XX/XX/18 and spoke with Reg ID # XXXX @ XXXX XXXX who stated that he did she the error and would put in a request to loss mitigation to make adjustments. He advised that when XXXX payment became due to pay the amount of {$2400.00}, but assured me this would be resolved quickly. I advised that I would like a call back on my cell phone XXXX instead of the home phone on file XXXX as we never answer that phone. I never received back until XX/XX/XXXX at XXXX XXXX to which was on my home phone. I returned the call on XX/XX/XXXX spoke with XXXX who advised that I needed to speak with XXXX who would call me right back after she finished up the call she was on. I never received a call back. I again called back and was told they would call me back to which I received on XX/XX/XXXX. I missed the call by a few minutes and then was never able to get the rep I NEEDED to speak with. I was advised that there still is no resolve to this issue. I expressed my concern as my XXXX payment is coming due. I asked if I should simply pay {$2400.00} but was advised not to because then there would be a shortage. I was told there is a 15 day grace period and that this issue would be resolved. Within the time from XXXX and XXXX I left 2 or 3 message for the Director XXXX XXXX as he helped me during the modification and he is the one who advised me of the {$2400.00} payment and advised me that the escrow increase was already taken into consideration. To date, I have NOT received a return phone call from him. I called Freedom Mortgage again today XXXX looking for resolve. I was advised by XXXX that there still isn't a resolution and attempted to connect me with either Mr. XXXX or the modification department. Neither were available. I again expressed my concern with wanting to make my payment but was told that later fees would be waived pending review of complaint.
Product: Money transfer, virtual currency, or money service

Date of transfer return : XX/XX/year> Amount : {$45.00} Actions taken : By me : XXXX. Started chat on XX/XX/XXXX with multiple follow-up sessions XXXX. Made at least XXXX phone calls, and had recipient contact XXXX XXXXXXXX XXXX 
XXXX. XXXX XXXXXXXX XXXX  said they only deal with XXXX Bank as their intermediary; confused why XXXX XXXX XXXX was involved. 
XXXX. Asked HSBC for XXXX XXXXXXXX XXXX rejection message. 
XXXX. Forwarded rejection message to XXXX XXXXXXXX XXXX. 
XXXX. XXXX XXXX Bank was confused why HSBC did an international wire transfer on a XXXX transfer. 

By HSBC XXXX : XXXX. XXXX XXXX which XXXX XXXXXXXX XXXX  ( the recipient bank ) couldn't make sense XXXX. After escalation, reached out to XXXX XXXX XXXXXXXX for a refund XXXX. Refund request got rejected ( over a week delayed in responding to me ) XXXX. Denied any responsibility XXXX. Customer service claimed that the person who can help on a new case number ( XXXX ) wasn't around on weekends.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX Letter to Remove Inaccurate and Unverifiable Consumer Information To Whom It May Concern : I received a copy of my consumer report and found the following transactions to be in error. 
1. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX 2. Erroneous account direct violation of 16 CF 444.4 Late Charges XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
3. Erroneous Account Direct Violation of 16 CFR 313.6 - Information to be included in privacy notices. 
XXXX XXXX Account Number : XXXX Please remove account from my credit report. 
4. Erroneous Account Direct Violation of 16 CFR 313.9 - Delivering privacy and opt out notices. XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
5. Dates last active are inconsistent and inaccurate across CRAs XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
6. The following personal information is incorrect Date of Birth : XX/XX/XXXX 7. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX, IL XXXX XXXX. The following personal information is incorrect Employers : XXXX XXXX 10. Credit Reporting Agencies are in violation of 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. 
XXXX Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S. Code Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my consumer report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 
Thank you for your time and help in this matter. Sincerely, XXXX XXXX
Product: Payday loan, title loan, personal loan, or advance loan

The initial payments to be taken out for my credit line was XXXX twice a month. Now they are charging XXXX dollars a day in interest on top of what i owe and charging XXXX every two weeks to pay it back. My loan has almost double in s couple of months
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account Name 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
Product: Credit reporting

I have disputed several times with Equifax and no actual investigation has taken place due to the followingXXXX XXXX # XXXX - Outdated, past the statute of limitations, inaccurate and disputing with creditorXXXX Mtg # XXXX - Outdated and inaccurate past the statute of limitationsFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an errorFederal Tax Lien - XXXX This is a duplication never was XXXX liens owed for {$80000.00} which your firm has listed and which was a mistake that has been withdrawn remove thisFederal Tax Lien - XXXX No such lien existed remove this is an error
Product: Credit card

In XXXX of 2015 I had made a mistake with a credit card, made a payment in XXXX 's cycle, ( thinking I was making a card payment for XXXX ), they cut my credit line to about {$5.00} what I owed, and now they cut my credit line well below what my balance is now. I do not know what to do, because I do not have the money to pay what they are demanding. What can I do?
Product: Checking or savings account

Someone not authorized by me entered in my business account at XXXX on XX/XX/2021, with my User ID and Password XXXX XXXX XXXX XXXX  ( XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX , XXXX XXXX ) in direct pay, few day after on XX/XX/XXXX and XX/XX/2021, there were two withdrawals of {$24000.00} and {$24000.00}, by multiples payments for a total amount of {$49000.00} : I made the report on XX/XX/2021, to WELLS FARGO fraud department and on XX/XX/XXXX, they deny my claim alleging that me or someone authorized by me made these transactions, what is absolutely false its a FRAUD, after receiving this response from the bank i made a police report then i give it to the bank making a new claim. 
It should be noted, i never received any mail, text message or alert about this transaction