23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on my home in XX/XX/XXXX. I worked with XXXX XXXX XXXX  and I got a 30 year fixed rate loan. 

Within the first 2 months Wells Fargo - Home Mortgage took over my home loan. 

My monthly mortgage payment at that time and for the first year, until XX/XX/XXXX, was {$870.00}. 

In XX/XX/XXXX, I received a communication from " Wells Fargo - Home Mortgage '' stating that my escrow account " has a shortage of {$1100.00}. '' The letter ( attached ) gave me two options ; 1. pay the shortage of {$1100.00} and my monthly mortgage payment would now be {$930.00}. An increase of {$57.00} per month for the next year. 

Even If I pay the shortage My monthly mortgage payment still increases by {$57.00}??? 

OR 2. not make the one time payment (? ) and my monthly mortgage payment would now be {$1000.00}. An increase of {$150.00} per month for the next year. 

This was a fixed rate home mortgage loan. 

I've contacted both XXXX XXXX XXXX and Wells Fargo Home Mortgage. I was told that my taxes and insurance on my house had gone up so I would have to make the payments. 

I can't afford to pay {$1200.00} out of my pocket for the escrow adjustment, nor can I afford an additional $ XXXX {$150.00} per month on my monthly mortgage payment for the next 12 months. 

I am XXXX years old. I am " fixed '' income. My social security check went up {$3.00} per month. 

I am not their first home mortgage loan. How could Wells Fargo be so far off on their estimates. Is Wells Fargo Mortgage luring in potential buyers with low monthly mortgage payments and then jack-up the rates a year later? THIS IS JUST WRONG. 

Will this happen, AGAIN, next year or in following years.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my credit balance of {$31.00} in XXXX of XXXX my payment was kicked back due to Webster bank changing routing number and didn't tell me until XXXX of XXXX when I repeated was putting payments in for {$31.00} so my card wouldn't show a balance. Paid again XX/XX/XXXX with new routing number and its still showing on my credit report.
Product: Credit reporting or other personal consumer reports

BridgeCrest, XX/XX/21. My XXXX to XXXX according to XXXX XXXX of rescission. They have been none compliant and has not offered a remedy to resolve the matter.
Product: Credit reporting or other personal consumer reports

I have been a victim of Identity theft and I need changes to be made on my report to prevent further fraudulent activity and this has been negatively affecting my mental health and financial standing. My information was used fraudulently and as a result I am seeing items on my report that I never was associated with. I filed an FTC report as I was instructed to by Equifax. I have sent in this report but these fraudulent items still remain.
Product: Credit reporting or other personal consumer reports

I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters. 

Wrong Personal Informations : Current Address ( es ) : XXXX XXXX XXXX XXXX, LA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX
Product: Mortgage

I was supposed to receive an escrow check from this company. I sold my house on XX/XX/XXXX. XX/XX/XXXX and I still had not seen a check. I called them on XX/XX/XXXX and they told me it was mailed out on XX/XX/XXXX. I have received all kinds of mail form them but no check. On the XXXX a gentleman told me that he would stop payment on the old check and have them issue a new check, to wait 5 days. If I did not see a check by Saturday XX/XX/XXXX then to call back. I called back on XX/XX/XXXX and the lady told me that the gentleman had mad a mistake and put the check back in escrow! After a long conversation with her she said that her supervisor agreed to have the check sent next day air to my address. She also said to call back on XX/XX/XXXX and they would have a tracking number. I called back on XX/XX/XXXX and the new lady said the check was still in process of being issued and that it would take about 2 weeks for me receive this check. I settle on my new house on XX/XX/XXXX and this is money I was going to use for the down payment! Now I may lose the new house and all they can do is say sorry for the inconvenience. They flat out lied to me from the 1st phone call, I asked to speak to a supervisor and they kept transferring me to different departments. This company dose not know the 1st thing about customer service!
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc ) due to the inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transaction Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

collection as well as loan accounts are on my credit file & should not be XXXX : {$2800.00} chargeoff JEFFERSON CAPITAL SYST : {$840.00}
Product: Mortgage

A client of ours who is facing a sheriff sale had his loan transferred during modification review. After multiple instances of mishandling of documents the new servicer Rushmore Loan Management has sent a written notice to client saying a modification was denied without a numerical values to back up this decision. The letter also states that the loan owner can no longer be reviewed for a modification again.
Product: Debt collection

Balance {$900.00} which is false, and misrepresented as I paid {$450.00} so far. 
Opened : XX/XX/2013 ( 4 yrs, 2 mos ) I called this debt collector, we arranged a payment so far I paid {$450.00} and the last date I paid was XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On numerous occasions I have disputed incorrect addresses reporting on my XXXX  credit report. I disputed the address starting XX/XX/XXXX continuously and one representative I spoke to said that those addresses were removed which was a lie because they are still there. This could be a possible fraudulent address and is not taken seriously. 

XX/XX/XXXX. Confirmation Number XXXX XX/XX/XXXX Confirmation Number XXXX.
Product: Debt collection

I am a creditor with several financial institutions where I can no longer afford to pay. I have a serious medical condition that causes me to lose work, and in some cases hospitalization is required. Accordingly, I have no choice but to cease monthly payments with these creditors that I am submitting my issues through the Consumer Financial Protection Bureau. I request a cease and desist on all telephone communications, and request any communications by mail only. I can submit medical proof of my condition if a settlement is offered. I am looking into filing a XXXX XXXX XXXX  Please cease all communications with any of my accounts. Thank you. 
XXXX XXXX
Product: Credit reporting or other personal consumer reports

Please delete these inquiries. I have no information about them, and the company made them without my permission.
Product: Student loan

The issue is my servicer Nelnet. Firstly I want to talk about the communication. I don't receive proper communication through email or phone at all. I try to contact through phone and am left on hold for over XXXX hours without ever speaking to a human or i'm automatically hung up on by them. From Email I don't receive any responses from at all. When my loans were transferred over to Nelnet in XXXX of XXXX they never sent me any log in information to be able to set up my Nelnet account so I could start the payment plan process. Because of the previously mentioned communication issues I couldn't find out what was happening. So come XXXX weeks later I send an complaint to the XXXX on XX/XX/XXXX about my loan servicer and how they won't talk to me. Only after putting a complaint in do they send the information to me that same day and my complaint case with the XXXX is closed. So to get things done, ask questions, even somewhat communicate I have to go and complain to the federal government. 

Come XXXX XXXX it's time to set up a payment plan before student loan debt continues. I submit a SAVE plan to the XXXX who send it to Nelnet. On XX/XX/XXXX apparently Nelnet has full reviewed the application according to the XXXX and i'm automatically put onto the payment plan and I won't have to resubmit for an income based plan until XX/XX/XXXX. I think wow that's quick and great. From that point on my payment plan does what it is suppose to do and so does Nelnet. It's even confirmed on the XXXX website. Life is good... until today on XX/XX/XXXX. Where I go the Nelnet website and they reversed their decision, took off the payment plan, no reason at all given, and say I need to pay up over {$600.00} in XXXX. They deleted all evidence that the payment plan I was on existed. I can't call them to figure out why they did this or what is happening. The evidence is fully on the XXXX website that everything went through too. So to me it seems that they are doing a rug pull on borrowers and they don't have to suffer any consequences at all because you can't reach them. If you can't reach them then just hope you give up. To me it seems the company is run by chat bots, infinite phone line holds, and email bots who never respond.
Product: Mortgage

Credit score has been negatively impacted due to mismanagement by the mortgage company. 

We received a letter about a transfer of service that was to take effect on XX/XX/XXXX. We had already sent payment to the mortgage company on XX/XX/XXXX and then sent again on XX/XX/XXXX. Both were sent electronically to the address provided. Dual account numbers and different mailing addresses I'm sure have contributed to the issue. I get a call from the mortgage company telling me I am delinquent on or around XX/XX/XXXX. I then paid another XXXX payments to catch up to what they said I owed. Our initial XXXX payments were returned back to my bank account. This had been reported as delinquent payments to credit agencies. As I read RESPA this is in violation of the 60 day grace period that takes effect in a transfer of service situation that took effect on XXXX. That should have put the reporting to the credit agencies, if still necessary into XXXX. This violation by the mortgage company has dropped my credit score more than XXXX points. I've had impeccable credit for XXXX plus years.
Product: Student loan

I was told to call in XXXX to renew my payments. I have been unable to reach anyone on the phone I've called twice a week since XXXX trying at different times and leaving messages. No one answers or ever responds. I need to arrange the next six payments on auto charge from my card to stay on track. I would like to change loan servicers.
Product: Checking or savings account

I have an account with XXXX. I can get a loan until payday to pay it back. It was all automatically deposited and withdrawn thru my bank PNC. 

Now my bank connection between PNC and XXXX is not allowed anymore. That is what XXXX told me. They also gave me this site to file a complaint about it. So here I am with my complaint.
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. 

I looked at my XXXX credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates according to And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) of any information disputed has violated my rights. 

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
Product: Credit card or prepaid card

In XXXX or XXXX, XXXX, I redeemed XXXX HSBC Reward points for {$51.00} cash to my external bank account. I was unaware that the {$51.00} had to be transferred to an HSBC bank account. HSBC did not transfer the money to my external bank account. By its letter to me of XX/XX/XXXX, HSBC advised me that " We were not able to process the credit because the Checking Account you selected is not the correct account. Therefore, we have returned XXXX points to your Account. '' See 12/28/20 HSBC Letter ATTACHED. However, 30 days after the letter, after 5 phone calls with HSBC and more than 4 hours on the telephone with HSBC, HSBC has not returned any Reward points to my account, so my Reward Points remain at XXXX. I have called HSBC 5 times. I was repeatedly told by HSBC that the matter was being " escalated '' to a Supervisor and someone in Customer Service would call me back the next day. It is now XX/XX/XXXX, more than 30 days from the HSBC letter, and Customer Service did not call me back nor restore the XXXX Reward Points to my account. Today, I again called HSBC because I still have XXXX Reward Points, and was on the phone with HSBC for OVER TWO HOURS, and at the end of the conversation, was told that HSBC would " look into the matter and contact me within 3-5 business days. '' This is not a reasonable response. HSBC affirmatively misrepresented to me that the Rewards Points were restored to my account, and when they were not, there was really no reasonable remedy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX : Upon checking my credit report on XX/XX/2019. One of my student loans is missing a payment. It was alerted to me this account is either not registered properly by the agencies. In addition I would appreciate XXXX XXXX to update the Metro 2 format if there are any discrepancies with what is reported to the credit agencies XXXX XXXX, XXXX  and XXXX. Please investigate how these accounts are reporting whether closed or open and verify if the credit format is properly registered and reported to the credit agencies because the historical timeline is missing on XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX To Whom It May Concern, I am writing to dispute the following information on my credit report. The addresses listed below are not my correct addresses : XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Additionally, I have noticed several inquiries on my report that I do not recognize : XXXX XX/XX/XXXX inquiry XXXX XXXX XXXX XXXXXX/XX/XXXX inquiry XXXX  XX/XX/XXXX inquiry XXXX XX/XX/XXXX inquiry I believe that my rights under the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA have been violated due to this inaccurate and incomplete information on my credit report. Please investigate these discrepancies and take appropriate action to correct them as soon as possible. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile And in accordance with the Fair Credit Reporting act XXXX accounts # XXXX AND # XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX.
Product: Credit card or prepaid card

CITIBANK HAS NOW MADE AN ETROR ON MY XXXX CREDIT REPORT. DUE TO THEIR NEGLIGENCE AND DISHONESTY, MY EXCELLENT, ALWAYS ON TIME PAYING ON 1ST OF EACH MONTH SINCE XXXX. I FILED A DISPUTE FOR IN TOWN SUITES AND THEY OPENED A CASE AND SENT ME A NEW CARD. THAT WAS THE WRONG THING TO DO BECAUSE IT WAS NOT A FRAUD CASE, IT WAS AN ITEM NOT AS DESCRIBED, DEFECTIVE BRECH OF CONTRACT WITH IN TOWN SUITES. SO NOW MY CARD WAS SENT TO MY XXXX XXXX ADDRESS, I AM NOT THERE I AM IN TX HELPING MY SISTER WITH STAGE XXXX XXXX XXXX. WE ARE STILL IN A PANDEMIC AS WELL. I CALL ON XX/XX/XXXX TO MAKE MY PAYMENT AND XXXX SAYS I CANT PAY DUE TO NEE CARD BEING SENT OUT. I TOLD HER TO MAKE A NOTATION ON MY ACCOUNT TO AVOID LATE FEES. 5 DAYS LATER I GET THREATENING EMAILS FROM CITI SAYING I NEED TO PAY MY BILL OR ELSE!!! I DONT HAVE THE NEW CARD AND WAS TRYING TO PAY BUT CANT WITHOUT THE LAST XXXX DIGITS OF THE REPLACEMENT CARD!!!! SO WHAT WAS I SUPPOSED TO DO??? I CALL CITI AND IT GOES STRAIGHT TO COLLECTIONS WHERE IM VERBALLY ACCOSTED BY XXXX. XXXX THREATENING ME AND TALLING DOWN TO ME LIKE THE SCUM OF THE EARTH HE IS. IM ASKING FOR A SUPERCISOR, AND HE SAYS " SO YOU DONT WANT TO PAY YOUR BILL?!!!! '' ARGUING WITH ME IM GLAD IT IS RECORDED YOU NEED TO LISTEN TO ALL PHONE CONVERSATIONS WITH CITI AND MYSELF. I CALL 5 TIMES BEING VERBALLY ASSAULTED BY CITI REPS AND FINALLY PAY {$100.00} SO I CAN STOP THE THREATENING FROM CITI. MY DISPUTE IS STILL NOT RESOLVED AND I STILL DONT HAVE MY REPLACEMENT CARD. NOW ON MY CRDIT REPORT IT DOESNT SAY EXCELLENT PAYS EVERY MONTH ON TIME AND IM.IN THE PROCESS OF BUYING A HOME. I WANT CITI TO GET SHUT DOWN WITH IN TOWN SUITES FOR TRYING TO RUIN MY LIFE IN RETALIATION FOR COMPLAINING!!!!
Product: Credit card or prepaid card

I opened the XXXX XXXX XXXX XXXX XXXX with Chase on XXXX XXXX XXXX. I had some trouble getting my cards, so the effective date that I started to use my card was XXXX XXXX XXXX, which is a couple of days after my replacement cards arrived. <P/>On XXXX XXXX XXXX, I paid the annual fee of {$95.00} and was hoping to take advantage of the promotion to earn XXXX bonus miles by spending {$3000.00} in the first three months. As this was a new card and its due date was different from my prior XXXX, I let the first payment date slip by accident. The first payment was due on XXXX XXXX XXXX. Therefore, I was charged interest and late fees for the first month the account was open. The total amounts of fees and interest are listed below. I also incurred additional fees and interest on XXXX XXXX XXXX. <P/>As for the promotion, I failed to meet my minimum requirement, so a large benefit from opening this new account was lost on XXXX XXXX, according to my discussion with the Chase representative on XXXX XXXX. In other words, I lost 21 days of the 90 days of the promotion by simply not having cards that I could use. When I called to see if this period could be extended, the Chase representative told me no. When I called back to cancel the card, the new Chase representative told me he could extend the time, but only until XXXX XXXX. Funny how things change when they think you are going to eliminate their opportunity to earn more fees. <P/>I 'm also disappointed that when I asked to cancel the card, all Chase representatives told me that they could not refund me any of my annual fee. Not sure how they can believe that they are entitled to the full amount of this ANNUAL fee as I only used the card for three months. XXXX XXXX has always returned the prorated portions of annual fees to me. I 'm confused as to why one of the largest banks in our country would not do the same. <P/>I am also willing to concede that the late fees and interest charges were ultimately my responsibility and understand that my actions caused them to be incurred. <P/>Here is a list of the fees I incurred while I held this card. <P/>Total Fees : {$150.00} - Effective Annual Rate on Total Purchases = 57 % - Effective Annual Rate on Average Balance = 140 % Total Interest : {$20.00} Total Fees & Interest : {$170.00} - Effective Annual Rate on Total Purchases = 64 % - Effective Annual Rate on Average Balance = 158 % Thank you in advance for your assistance with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had an ongoing issue with all three NCRAs regarding inaccurate information reporting on my consumer file. The agencies have either not responded to my requests or they have marked them verified without providing proof of a thorough investigation or proof there of. I will explain further in detail in the letter and attached documents.
Product: Debt collection

I want this company to stop harassing me and sending me letter. I also want this company to be report to the XXXX and the Florida Law for not respecting the DO NOT CALL list who is punishing of fine. Make sure this company stop sending me any more letter or calling me for this invoice. I never received any bills jus harassment phone calls.