23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXXXXXX XXXX XXXX I signed a home purchase agreement with builder M/I Homes for a new construction home in XXXX I reside in XXXX and was planning on moving to XXXX  ; commuting to work in XXXX XXXX XXXX. The builders in-house lender M/I Homes was informed of my situation and pre-approved me for the FHA loan ; M/I Homes then took payment of earnest money deposit. 

A letter from my XXXX employer was also given to M/I Homes as requested, stating I was able to commute to work in XXXX M/I also requested a letter of my expenses while I stay XXXX  for work, which I provided. The loan officer then had changed some verbiage on the letter, which made me question the integrity of M/I Homes ( REMOVE-I will still be paying XXXX taxes ), and stated not to worry as this letter can be signed at closing ; this letter was sent to underwriting. 

I was set to close in XXXXXXXX XXXX  XXXX weeks prior to the closing date, I received a call from M/I Homes loan officers that underwriting could not approve the loan as they had concerns on FHA owner occupancy requirements. 

I was upset by the news and requested return of earnest money deposit due to the circumstances. 

After numerous attempts and conversations, they have refused to return my deposit. 

I am seeking refund of EMD from M/I Homes due to being misled about qualifying for the FHA loan and taking payment of EMD.
Product: Credit card

On XXXX, I contacted a customer service rep at Sears Credit Card. I arranged via phone to pay the credit card off. With Sears writing off some interest, the total amount that the representative told me to XXXX this card out was {$2000.00}. I paid that amount during this same phone call and was even offered the opportunity to now transfer other credit card balances to this account that may be high interest. On XXXX, I noticed that instead of a XXXX balance, my balance showed {$290.00} after payment. I e-mailed Sears about this and ultimately received an e-mail to contact them directly that these matters do n't get handled through e-mail. On this date I reached an individual on the phone who identified himself as XXXX. I explained the above to him and ultimately he said that even though I was told that the account would be XXXX after payment that it was still my responsibility to pay this new balance. He even went so far as to say that I get statements which I told him that I did not get paper statements that I could still log in and get my balance. I told him I understood all of that but in the end I had a live representative on the phone telling me account information and confirming XXXX that after payment my account would be XXXX. In getting no where with XXXX, I asked to speak to someone else in charge and he refused to do so after several attempts, he kept saying that I was accountable. I then asked direct questions as to whether or not he was refusing to give me another rep and ultimately, he said he would and put me on hold. He then came back briefly to tell me he 'd be sending me to a rep. I waited on the phone afterwards about XXXX minutes without feedback from anyone until I hung up. My total call time was XXXX minutes. I would like for Sears to honor what I was told and XXXX my account out. If this does not occur, I will certainly have no choice in paying this additional amount of {$290.00} and will then promptly close this account. I am amazed that even though I talked with their own account rep that ultimately I 'm told that even though they said that, it 's not true. These are shady business practices and XXXX needs to be dealt with regarding his poor, customer service skills as well as keeping me on hold without feedback or another representative getting on the line. I guess he got his revenge against me for questioning him and Sears by placing me on hold and no one coming to the phone. Nice tactic!!!! 

XXXX XXXX
Product: Checking or savings account

In response to past claim XXXX that was closed prematurely. Your bank is XXXX  up, this is not the issue we are discussing with the CFPB. We are talking about you allowing someone to open two new accounts with my corporate identity. They used corporate names and transferred corporate funds. Now, because of the actions you did with the aforementioned account closing, we can not control any of the corporations checking actively until present. I assume this makes Mr. XXXX responsible for ALL tax records, pay rolls, and corporate responsibilities, which again he signed off on. Your actions have hindered the corporations ability to operate properly. We will take that up with the proper parties at a later date. 
Finally, once again I want to say how XXXX up your bank is. You can't address the actual ILLEGAL actions that your bank performed and just try to sweep it under the rug with that cover-up letter from the last CFPB complaint ( XXXX ). I will not allow these actions to go unnoticed by the public and others. 

XXXX XXXX
Product: Checking or savings account

On XX/XX/XXXX of 2023 someone got a hold of my cellphone and sent themselves {$3500.00} through XXXX  after being able to access my bank of america account through my phone. I contacted Bank of America to help me with this since this was from my XXXX XXXX XXXX account and I was a XXXX XXXX XXXX XXXX member at the time. Instead all I got was more frustration, anger, pain, problems, and a lot of wasted time. I contacted the bank to let them know what happened, that I had lost my phone at a bar and someone got a hold of it and XXXX themselves money. BOA said they understood and opened a dispute and investigate. When you open a dispute they are suppose to provide provisional credit. They did not do ANY of that. And when they finished their investigation they said that I am at fault and there's nothing they can do. How can I be at fault for something where I am the victim. Bank of America is a victim blamer company. I called them back and asked them why I lost the dispute and they didn't give me any info, they just said I am not in the right and they need more information. They also wanted a police report done. In my city there is a lot of crime and I had to go in person to do a police report. They are only open from XXXX and I have work too from XXXX so I had to use some of my hard earned PAID TIME OFF to go there and get a police report, and the station was very disorganized and it took me XXXX hours there to just get a report. Bank of America also thought I was lying when I said I lost my phone at the bar so I contacted the bar and kept calling for weeks and emailing them to verify that I lost my phone there and that they returned it to me. I finally got an email from the owner about it and sent me a letter stating they found my phone. I provided all this information to BOA after spending a ton of time and resources and mental stress to do what THEY ASKED FOR. When I gave Bank of America what they asked for they took months to review the claim again and deny me my claim stating that whoever took my phone shouldn't have gotten into it. Once again VICTIM BLAMING. So I wasted my time, got a lot of emotional and mental stress inflicted upon me, and lost a great portion of my funds after getting the run around multiple times. I did exactly what they asked for which was get a police report and a confirmation from the bar owner. In the end they denied me. 

IF you value your assets and want to protect yourself from fraud please do yourself a favor and keep your funds in another bank. It is clear BOA does not care about their customers but only to inflict them pain and cause them more stress and waste their time. Think of Banks like XXXX or XXXX if you want to keep your money secure and protected. Not at this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been going back and forth with XXXX/XXXX/XXXX and the credit bureaus about an account that keeps being deleted and added back to my credit report since XX/XX/2007. Each time I contact one of them they state it's the other 's fault. I just filed a complaint against XXXX/XXXX/XXXX and in their response they stated that they were doing just like I said- reporting the account as if it were more than one account and that they corrected it and removed it and if it's still showing then the credit bureaus are at fault. I just want it removed. I only have one student loan. And these accounts are annoying and ruining my credit report and my life!!!! Please see attached documentation and remove the XXXX/XXXX/XXXX account and stop adding it back on after deletion. Thanks.
Product: Debt collection

XX/XX/XXXX I moved to XXXX as an active XXXX XXXX. I had my XXXX XXXX XXXX phone put on a military hold XX/XX/XXXX at XXXX by person email XXXX account number XXXX, case number XXXX. I made sure to get all the information because this has happened to me when I moved to XXXX in XXXX. I have not been back to the XXXX since XXXX, so I needed the service. This is typical for military members moving overseas. No service member should continually have to pay money for rules and regulations these companies have on their contracts.
Product: Debt collection

I'm a Single Father and i attempted to finance a home for me and my family and i could not because of my credit. That inspired me to check my credit and i saw a lot of fraudulent items I did not authorize.
Product: Debt collection

This is a continuation of my prior complaint : Complaint ID XXXX I received additional documentation for what seems to be a new lawsuit and debt for which they are ostensibly trying to collect.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS XX/XX/1968 ; XXXX XXXX  XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX XXXX XXXX  XXXX XXXX  XXXX Balance : {$7500.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$1600.00}.
Product: Mortgage

My payments with Stearns were {$960.00} to start in XXXX XXXX. This was to include my escrow for HOI and taxes along with my PMI. XX/XX/XXXX they started taking out {$14.00} for my PMI. I never disputed because I did n't know there was an issue. In XX/XX/XXXX they did an escrow account analysis and then sent me a disclosure that my payments were going to be $ XXXX They erroneously took the entire deficient and put my escrow account in the RED by thousands of dollars. Stearns not deducting the correct amount for my PMI actual put me into a financial hardship. I have made numerous phone calls trying to get the break down for the escrow account and to also to try and figure out where the disconnect was in the amount increase. After 86 hours of making telephone calls and getting the run around I gave up trying. I hope since now I see that I am not the only person with the same complaint something can be done. I had to bring over {$4000.00} to the closing table to get a refinance because of their negligence. They also said to me that if I were smart I should have picked up on the incorrect payments, with that being said you have to be of a certain caliber to own a home. This is a total disgrace to the mortgage industry and the scams that occur every day.
Product: Vehicle loan or lease

On XX/XX/2018 we went to XXXX XXXX Dealership in XXXX XXXX, NC to buy an XXXX XXXX. I have a credit score of XXXX and was immediately approved for a loan. During that time XXXX was running ads on television for a 0.9 % financing on new vehicles. So we were prepared to finance the loan until they presented us with an interest rate of 3.9 %. On insisting why, they explained that because we got deep discounts on the vehicle, they could not give us financing at the advertised 0.9 %. 
We bought the vehicle cash cause WE NEEDED one for my parents. I'm reporting this to the CFPB so that you folks can investigate on why this is not made clear when XXXX runs advertisements on television. We bought the car for a total of {$42000.00}. 
Our plan was to payoff our current debt on another car so we could pay a lower interest rate. Now we are still making payments on the old car. COMPLETE MISLEADING ADVERTISEMENT!!!
Product: Mortgage

I have an escrow account for hazard insurance and property tax with my lender, Mr. Cooper. My escrow analysis shows a balance of {$2100.00}. However, Mr. Cooper did not and has not paid my hazard insurance that was due on XX/XX/XXXX. My insurance provider, XXXX, sent me a notice that my policy was in danger of lapsing. This is especially concerning because in my state of California there is a homeowners insurance " crisis, '' where homeowners can not get insured. This has been written about it the news. 

I've attached documents showing a notice from XXXX the my policy expired, as a well as a screenshot of my account on Mr. Cooper showing the balance of my escrow account and that the " next '' payment was due XX/XX/XXXX. ( If Mr. Cooper had paid my hazard insurance bill, this date would be more like XX/XX/XXXX. ) On XX/XX/XXXX I chatted with a Mr. Cooper representative online to remove property tax ( only ) from my escrow account. About a week later I received a letter from Mr. Cooper confirming that property tax ( only ) would be removed in about XXXX weeks from today, on XX/XX/XXXX. This in no way should have interfered with Mr. Cooper paying my hazard insurance. 

I paid my hazard insurance myself today, and now have to attempt to get the money in my escrow account intended for hazard insurance back from Mr. Cooper.
Product: Credit card or prepaid card

On XXXX  I submitted to WISE card the following information, whereby initiating a review/dispute of my account : As a traveler, I use Wise. I used it on XX/XX/ to pay a cab driver in XXXX who charged me XXXX pesos ( for a ride under one mile ) and I saw him enter the amount as XXXX thinking he was doing so correctly. It turns out that he failed to enter the decimal XXXX and my card was charged XXXX pesos for a ride of one mile. Please know, no receipt was offered as he specifically asked me if I wanted one and I said Wise would send me the receipt. 
Wise responded with the following : We couldnt confirm that transaction # XXXX was unauthorised. You can review the info that we used to make our decision. If you would like to, please reply to this email and let us know. 
I then filed a complaint with XXXX  - to which WISE than responded : It looks like you have made the purchase with a scam merchant, and sadly you will most likely not be receiving the goods you purchased. I have filed a chargeback for your transaction to the XXXX network. I have also issued provisional credits to your account. From here, the merchant will have 50 days to respond to our dispute. Should there be any updates, we'll let you know. If you don't hear back from us in 2 months, the credit will be automatically considered as final and the chargeback as won. 
Wise also suggested I get a new card but as I am in XXXX, they won't send me a card to my address here and I do not see traveling to US just to pick one up. - I can not afford the USA on my ssi. 
I currently have a provisional credit however WISE failed to provide the Cab driver info as requested. I seek assistance to solidify the credit and remove it from provisional as this was clearly a negligent situation on behalf of the cab driver, the cab company and Wise denying my request. Wise offers exchange of the USD in all foreign currency but fail to understand the monetary system within that country and how the monies are posted and listed. This was an honest error on behalf of the cab driver and I have never ever spent that much money on any account in the length of time I have used Wise. Why did they not provide the info as requested but offered me a provisional credit instead? I never belonged or have been a part of XXXX.
Product: Credit reporting or other personal consumer reports

I sent EQUIFAX my identity theft report and made them aware I had multiple fraudulent accounts on my credit report unauthorized and multiple inquires created while I was on duty and they have failed to block XXXXXXXX XXXX XXXX from my credit report or all of the unauthorized inquires. I am attaching AGAIN the documentation and I do expect the last of the fraud to be BLOCKED and removed from my credit report before I have to escalate this with my superiors nd contact a lawyer to make a formal inquiry and legal notice to XXXX XXXX for them NOT adhering to the FCRA and violating my rights. It has been MONTHS and Equifax still has left this unauthorized information on my credit report to cause me financial hard and distress and violating my rights per the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX. I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS/COLLECTIONS AND INQUIRIES along with LATE PAYMENTS that were not my fault as it was a billing error on XXXX XXXX which caused multiple late payments throughout my credit profile. Please remove the negative items from my credit report immediately.
Product: Checking or savings account

Approximately XXXX I received an email from Chime Bank saying that they had found an unused account in my name and they needed copies of my ID my social security card and proof of where I live. I submitted everything they asked for and then on Wednesday the XXXX of XXXX they locked my account without warning. They sent an email that said I had used the wrong PINto many times ATM the and I needed to call so I did. When I spoke to the representative they informed me that it was because there were two accounts in my name I had already submitted all of the information they asked for and they had not said another word about it. I live on a social security check I'm a widow I'm disabled and elderly. Because they've done this without cause I now have the burden of paying late fees to all of my creditors. I have talked to the company and I've gotten several different people one of them told me that they could completely close my account for having two of them I explained to him that at one time I was going to use their bank but decided to go with another Bank and had completely forgotten about the original account. I asked him if they could transfer my money to another account with another bank and they would not tell me. I haven't been able to pay my rent go grocery shopping pay my utilities, nothing I don't know where else to turn. I know I wish I would have never opened that account. One of the representatives told me that they could actually close my account without warning and then they would have to mail me a check after they got it resolved and that it could take weeks there are no transactions that would cause a person to think that I was trying to do anything illegal with the account. I asked him if I can find out what my balance is and I was told no I could not. Please if there's anything you can do to expedite this so I can pay my bills this month all of your help would be appreciated. My name is XXXX XXXX I live in XXXX MO. my phone number is XXXX my email is XXXX XXXX. Thank you for your time and your help.
Product: Credit reporting or other personal consumer reports

My issue is with Transunion, XXXX, and XXXX with a car loan company, XXXX XXXX in which each company reports lates since XX/XX/XXXX. As this is untrue, I have been paying the loan every month. Last XXXX and XXXX of XXXX I missed a payment due to unemployment. Instead of those 2 months only showing as late, XXXX, Transunion, and XXXX report from XXXX to present day as late every month when that is false. This is keeping me from getting a mortgage as a veteran. XXXX XXXX has even been paid by me for those 2 months of XXXX and XX/XX/XXXX. I will attach proof from my banking institution XXXX XXXX XXXX XXXX. 
In accordance with the Fair Credit Reporting Act this creditor, XXXX XXXX, and XXXX, Transunion, and XXXX have violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose. 

Also, I have attached proof of the payment to cover those Only 2 months late. I even have attached proof from XXXX XXXX that show I even made XXXX payments in XXXX. 

I am tired of being denied credit and having my rights violated. As a veteran, I should be treated fairly, as should anyone any consumer any American.
Product: Prepaid card

XXXX XXXX stated first when I called them wherein I could not activate the cards that the person that purchased the gift cards had to come to the bank. The person went and they stated that the cards were not activated and they took money from the card routinely until a balance of XXXX was completed. the cards clearly stated that the expiration dates were XX/XX/XXXX and XX/XX/XXXX. I thought I had until them to use the cards.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid a collections account off in full on XX/XX/2023 with financial credit network for the city of XXXX. 

My credit report status shows a {$0.00} balance but my credit score does not reflect the paid in full status. My credit should have increased by at least XXXX points according to XXXX  XXXX. 

Thank you
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  Account Number : XXXX XXXX XXXX XXXX - Incorrect addresses XXXX - Incorrect XXXX
Product: Credit reporting or other personal consumer reports

Couple issues I have alot of different reports for credit cards I did not open. XXXX most recently is XXXX which I did not do. Also my name only has ever been XXXX XXXX XXXX ( XXXX name ) born and raised XXXX XXXX XXXX then XXXX XXXX XXXX until I met my now husband which I moved from XXXX XXXX XXXX XXXX PA to XXXX XXXX  XXXX XXXX XXXX PA in XX/XX/XXXX and got married XX/XX/XXXX. My name since XX/XX/XXXX when everyone was LEGALLY CHANGED is XXXX XXXX XXXX. I wasnt able to get XXXX because of all this and whoever is using XXXX XXXX is not me. My birthday is XX/XX/XXXX last XXXX ( XXXX ) I have paid my XXXX XXXX off and have been really watching my credit and I dont know whats going on but it needs fixed. I would appreciate it. Thank u XXXX XXXX XXXX
Product: Debt collection

I submitted for dispute for a credit card. I never recieved a signed contract with my signature, copy of my ID or social. I'm still trying to repair my credit and it is crucial I receive the information I'm requesting. This is a matter that needs to be addressed. I disputing this account to be mine.