23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When doing a refinance on our VA, we chose a cash out option. An appraisal was required. We had that done and paid for it. 

The process included paying off a HERO loan to be acceptable to the new lender ( Loan Depot ), therefore our property tax went from {$1900.00} ish to {$1200.00} ish twice a year. The original payment was based on the old rate of course. 

After getting the new tax bill, I called the company and asked to have this reviewed, as my payment would go down in excess of {$100.00} a month. They said no, had to wait for first year. 

After the company mailed the {$1200.00} to the County for tax, I called back and said they obviously must have received the new tax bill and once again asked for a review. This representative said it was my lucky day, she would have that done the following Tuesday, my new payment would be calculated and the excess sent to me in a check, since my loan was almost 6 months old. ( this was around XX/XX/2018 ). 

Indeed a check was cut and I received an email of my escrow analysis and a picture of the check for {$1600.00} approx. I waited several weeks and it did not arrive. I called again, early XX/XX/2018. The representative said it was probably just lost in the mail so she would have another one cut and sent to me.

I received an email showing the new check was cut on XX/XX/2018, then a week later got an email said they mailed it, on XX/XX/2018. 

Of course it did not come so I called today to learn they did not mail it, they redeposited it to my escrow account as they determined unilaterally, that my tax might not go up and I might not be fully taxed. They saw the value of the appraisal and determined in their little heads that the refi would cause my taxes to go up. I told them it does not work that way and I wanted my {$1600.00}. They kept me on the line and told me all kinds of stories about re-opening analysis. II suggested this is now fraud and I want a check now.

They say they went to Escrow analysis and would cut a check by 5 pm. today and mail it by Monday night.

Obviously I am skeptical and I believe this is out and out fraud to keep customer 's money. They held it for six months already. 

I feel they should have a punative action taken against them so no one else wastes hours and hours on calls to attempt to get their own money. 
BTW, today they said it could not be reviewed before 18 months. That is three different time from three representatives of the same company.

I called the tax assessor 's office and that appraisal will not raise my taxes nor void my SB 60 and homeowners exemption. 

Loan Depot told me they will mail my check but now they must do a thorough tax review and it could come out I will owe more. This was a scare tactic and it really made my mad. Most of the people I know would not have any chance of understanding this. Nor would they know how to contact the county and check The level of fraud is frightening. Help me help others.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The data I am questioning connects with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing this due to non-compliance with the ( XXXX, Experian, XXXX ). They have failed to remove information that was affiliated with personal details that were challenged in the past. I strongly believe that they are in violation of the FCRA and are outright refusing to uphold the law.
Product: Checking or savings account

On XX/XX/2021, I issued one of my contractors a check for the amount of {$4000.00} from my checking account ending XXXX. Within a few hours, I received a call from my contractor stating that Bank of America had refused to let him cash the account. 

Due to criticality of the contract, I personally went to the bank and asked the teller to let my contractor withdraw the funds. The bank staff told me that the amount was over the limit and that's why they were unable to release the funds. When I asked the branch manager what the limit was she stated " we are not allowed to tell you the limit but {$4000.00} is too much ''. The only option I was given was to personally receive the cash and hand it over to my contractor who was with me in the branch, which I agreed to. When the teller gave me the cash, she deducted {$8.00} from the total amount and handed it to me. When I asked the reason, she said because the recipient ( my contractor ) didn't have an account with Bank of America and hence the {$8.00} deduction. Finally, I re-wrote the check and cashed it myself. 

During the time I spent in the branch, the bank staff kept encouraging my contractor to open an account in order to avoid this situation in the future. Furthermore, the staff was unable to explain where the transaction limit is written on my check or been communicated to me by the bank and refused to reveal they arbitrary limit. 

I'm reaching out to you to request the bank for a clear explanation. I'm also send a copy of this complaint to the Senate Banking Committee as we have seen increased efforts by Bank of America to force people to open accounts with them.
Product: Credit reporting or other personal consumer reports

I would like to dispute specific records in my credit file that appear to be unrelated to me, the fact that I appear to have signed any agreements, and the fact that I may have been the victim of identity theft. The items I'm contesting have nothing to do with any of the transactions I've finished or authorized to get products, services, or money. Please remove the following items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Company can not explain how interest is calculated. In 7 contacts with the company ( 2 phone calls, 5 secure message responses ), plus the information on the back of the statements, I've received a great deal of conflicting information on how the interest charge is calculated : * It's based on average daily balance / it's based on statement balance.

* Interest rate is [ APR ] /365/100* [ days in cycle ] / interest rate is [ APR ] /365*100* [ days in cycle ] * Interest is compounded daily / interest is month 's average daily balance times interest rate.

To date, I've finally ( in contact # 7 ) gotten an explanation of how to calculate the interest charge based on " Balance Subject to Interest Rate '' and APR, the results of which matches the numbers on my statement. ( Note : the calculation that gives the statement 's result does *NOT* match the explanation on the statement! ) But despite REPEATED requests for a DETAILED explanation of how to calculate " Balance Subject to Interest Rate '', I still haven't gotten one - and my calculations don't match the statement 's numbers.
Product: Debt collection

In XX/XX/2020 my credit score went down from XXXX to XXXXXXXX.i checked .it said XXXX XXXX. In texas for XXXX $ .i live in wis for past XXXX yrs.i submitted all requested info and my credit went back up toXXXX .then i started to receive bills for requests for payment of XXXX $ .i ignored them.i thought it was over.in XXXX my credit went from XXXX XXXX decline.i looked up my credit there was 2 delinquent accts.1 for XXXX {$1.00} for XXXX $ both from XXXX XXXX.i called then faxed all documents requested through my social worker at the va hospital in XXXX XXXX called them the next week.they told me my file was in the fraud dept and shoul no longer be affecting my credit score.my credit score remains at XXXX.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account name : XXXX XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX
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 XXXX XXXX : Account Number : XXXX Account Name XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX - XXXX : Account Number : XXXX Account Name : XXXX XXXX XXXX  : Account Number : XXXX Account Name : XXXX XXXX XXXX : Account Number : XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

I recently received a copy of my ( XXXX, XXXX or XXXX ) credit report, and I noticed some late payments posted on my credit report : My account ending in XXXX with late payments along with their account numbers. 
Wells Fargo is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.
Product: Credit card

This is XXXX XXXX i live i. XXXX XXXX Im in horrible bind right now and i tried to apply to loan places and they straight up told me i have all these credit cards that i am unaware of. I only have a XXXX XXXX card, and vehicle loan from XXXX XXXXXXXX one a vehicle i just got in XXXX that is mine as well. I also was on a website that tells me what other credit cards i have and it popped up that i have all these other credit cards and and XXXX XXXX XXXX phone bill that ive never had because im on my brothers plan. Something isnt right and i know what bills i have. I look at the certain dates and charges. They where all from XXXX  i need to find out who did this to me. Please help
Product: Credit reporting

XXXX XXXX placed XXXX previously removed accounts on my report. XXXX accounts were closed in 2010. Both were sold to debt collection agencies. XXXX XXXX re reported these as new, with a balance, and as they are still owners of the debt. 
It is time barred debt, they no longer own, they have already closed and removed the accounts from my report. Illegal and violation of FDCPA to reopen and rereport
Product: Debt collection

This is not my account. I have no knowledge of this account. 15 USC 1681b
Product: Debt collection

Kohl 's Credit Card Department has called XXXX to XXXX times a day for months now after I informed them that I will be paying the bill off in the near future.
Product: Student loan

Called multiple times back in early XXXX to get a submitted payment refunded, still no communication from the servicer
Product: Student loan

I can not log into the Ed Financial website and when I tried to request a new password it would say on the screen " If your credentials match our records we will email you new login info '' I was putting in my social security number and year of birth so it is correct. But I never received an email in my spam or regular inbox. I have called Ed Financial multiple times in the past 3 weeks all over a span of a few days and waited a half hour to an hour even though the operator said the wait time is " 13 minutes. '' Today XX/XX/23 the operator also said 13 minutes and I waited over an hour. Loan repayment opens tomorrow. I am still a graduate student and I need to figure out what I will be doing in terms of repayment I do not know even the day before loans open. Finally, I emailed Ed Financial and they have not gotten back to me or my dad.
Product: Debt collection

Easter Account System Of Connecticut account # XXXX. Dear Sir or Madam, I am writing to request validation of the debt you claim I owe, pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 USC 1692g. This is for clarification and validation of the alleged debt. Please provide the following information regarding the debt. 1. The name and address of the original creditor. 2. A detailed explanation of the debt, including an itemized statement of what the debt is for 3. Proof that you have legal rights to collect this debt, including a copy of the original signed agreement. 4. The amount of the debt, including a breakdown of the principle, interest, fees, or other charges. 5. Copies of any judgments or other legal documents associated with this debt. Additionally, I request that all further communication regarding this matter be conducted in writing. Please do not contact me via telephone at any number associated with me. Per the FDCPA, please cease all collection activities until this debt is validated. Failure to provide proper validation will be understood as a waiver of your claim, and I will consider the matter closed.
Product: Money transfer, virtual currency, or money service

We are a small new nonprofit. We opened an account with PayPal in order to accept donations. People started donating, so we have over {$950.00} of donations at this point. In exchange for donations, we provided lawn signs, so we have incurred expenses against the donations. 

I have been trying to complete the account set-up process for a month. They said I needed to provide documents to verify the business address. The system appeared to be automated, in that it wouldn't accept the documents provided. I tried to explain that we are a small organization, and don't have things like utility bills at this point. Finally we seemed to get past that stumbling block. I never received any confirmation, but it stopped asking me for it when I log in so I assume that means they finally accepted our documents. ( Tax ID letter from the IRS ; driver 's license ). 

Now the system says my email isn't confirmed. The ONLY way to contact support is through their online " messaging app ''. The messaging app is clearly a bot, as it keeps sending the same information over and over. The instructions say to click a link to send an email for confirmation, but the confirmation email is never received ( and yes, I've checked spam folders, etc. ). The website also will not let me change the email address. In spite of the fact that they say the email is unconfirmed, I've been receiving notifications of donations at that email address for more than a month. The automated bot simply will not accept that it doesn't work, and it won't connect me with a human being. I have spent hours and hours attempting to resolve this. 

At one point, the bot gave me a phone number. I called the number, went through a long menu system, and then it told me " we can't support your issue at this time '', said to use the messaging app and hung up on me. I've tried multiple times. 

At one point, the bot gave me an email to use ( XXXX ), I sent an email and got an automated response telling me to use the messaging app. 

There should be a regulation that financial services company have to provide customer service. There has to be a way to reach an actual human being to get the problem resolved. As it stands, PayPal has the money donated by our supporters, and there is no way for us to access the money. In other words, PayPal has stolen the money. After 30 days, they refund the payment, so we are losing donations for every day this goes on.
Product: Checking or savings account

I opened a bank account with Wells Fargo for the higher interest rate, but without warning Wells Fargo dropped my interest rate to almost nothing in XXXX. I received no notice from Wells Fargo, they dropped the interest rate without communicating with me in any form or fashion. I closed the account at the end of XXXX. All I want is back dated interest payments from XXXX or XXXX of XXXX for the interest rate I had in XX/XX/XXXX prior to the end of the year. I understand interest rates fluctuate, but its criminal to drop my accounts interest to XXXX without telling me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing this account XXXX  XXXX XXXX XXXX with experian since XX/XX/XXXX and the other credit bureaus, XXXX, and fast XXXX  replenished deleted the account, but experian continues to report this account and responding that the account is correct and verified. when the company has never validated the account or provided a HIPAA release. On XX/XX/XXXX I started to keep track of my disputes in case I needed to make a complaint like this. and here I have some of the proof of my disputes with copies of certified mail and tracking number. also experian open a investigation one date and next date update if and three more date just close the dispute.and this is being since XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. this account is hurting my ability to obtain credit. it my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item i am asking you to verify as accurate : XXXX
Product: Student loan

Today,  XXXX   XXXX   2017 , I made another payment to heartland.ecsi.net which processes/handles loans on the behalf of the University  XXXX    XXXX   ( the lender ). What had n't noticed earlier, was their increasing " service fee '' based on how much you choose to pay back.     My preference is for one-time payments, so I can adjust how much I pay back based on my financial ability. I always give more than the minimum to pay off the loan faster. I purposefully do not set up reoccurring payments for this reason.     On top of my 5 % interest on my loan,  XXXX  charges me a whopping 3.95 % on one-time payments I make plus and additional {$1.00} combines to make the " service fee. '' For example, my {$150.00} payment turned into a {$150.00}.  XXXX  dollar is for who knows what, plus an additional {$5.00} which makes up 3.95 % of {$150.00}. This is ridiculous.  XXXX  is already making 5 % revenue on my loan. I 'm left with no choice, but to do reoccurring payments, or pay 8.95 % interest on the loan ( 5 + 3.95 % ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below : XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX : {$80.00}, XXXX XXXX Balance : {$3200.00}, XXXX XXXX XXXX XXXX Balance : {$9700.00}, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$770.00}, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX  XX/XX/XXXX, XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Consider this as my follow-up attempt to ensure that these items are removed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXXXXXX XXXX XXXX XXXXXXXX XXXX Balance : {$9900.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$3400.00} XXXX XXXX XXXXXXXX XXXX Balance : {$2900.00} ( Original Creditor : XXXX XXXX ) XXXX Balance : {$3300.00} XXXX XX/XX/ Ive already included this in my previous Complaint # & I am including it again
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed derogatory reporting on my credit reports by XXXX XXXX XXXX on XX/XX/XXXX. My dispute shows proof that I was never 90, 120 or 180 days late on my student loans from XXXX. During that time, I was XXXX XXXX XXXX at University XXXX XXXX. I also had a XXXX Hardship Agreement starting on XX/XX/XXXX because I was taking care of my father XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I have asked for proof of the original loan documents to help prove that I was charged interest during these times and that XXXX XXXX XXXX continued to show me late. In each loan, XXXX XXXX XXXX shows that I am " current '' and then the next month they show I am 90 days late, then 120 days late and they have a comment that I was 180 days late. This is not true and is hurting my credit report and ability to build credit and move forward in my life. I have no resolution in this matter, no documents from XXXX XXXX XXXX and no change on my credit reports which are now " updated '' with exactly the same information. I would like these loans deleted from my credit report until there is a resolution of the correct amounts and no derogatory reporting. Thank you for your help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.