23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Bank of America has refused to follow the rules when it comes to foreclosure processes. I have repeatedly informed Bank of America the modification process is incomplete and pending due to the fact no written determination on appeal has been issued to me by an Appeals Specialist of the Appeals Department. However, Bank of America broke the rules by starting the foreclosure process before completing the modification process, a practice prohibited by law commonly referred to as Dual Tracking. 

Bank of America had no intention of honoring my request for mortgage assistance by offering me a Making Homes Affordable ( MHA ) Home Affordable Modification Program ( HAMP ) Trial Payment Plan ( TPP ) as the Bank of America Appeals Department instructed and directed on XX/XX/XXXX upon completion of the timely requested appeal review as a result of the XX/XX/XXXX MHA HAMP incorrect denial. Once it became clear to me Bank of America decided not to modify and chose to separate me from my home by hook or crook and an improper non-judicial foreclosure, my only option was to force Bank of America to bring the matter ( or related matter ) through California XXXX Court to be decided. This is where we are at. Bank of America must bring legal action to evict me from or gain possession of the subject property. To successfully do this, Bank of America must first prove Dual Tracking, or any other violation of law, has not occurred allowing for the XX/XX/XXXX recording of a Notice of Default ( NOD ) resulting in the XX/XX/XXXX Trustee 's Sale at public auction. 

All previously mentioned resolutions are desired and mandatory.
Product: Credit card or prepaid card

On XX/XX/XXXX at XXXX Barclays sent me an email offering a promotional 0 % APR. I accepted this the same day, well before the deadline to accept of XX/XX/XXXX. After checking over the next week, I couldn't find this offer reflected anywhere on my account. On XX/XX/XXXX, just to confirm I asked a customer service rep with Barclays AA Advantage Mastercard to check my Interest Rate and they showed it as a whopping 22.99 %. The interest rate isn't listed anywhere on the home page, so it would be easy for someone to assume the offer they opted into ( which Barclays AA Advantage Mastercard website showed I had accepted ) was valid. 

Offering someone 8 months of 0 % APR and instead charging them 22.99 % could cost someone a LOT of money.
Product: Mortgage

My husband and I bought a home in XXXX, XXXX through Weichert Financial Services. In XXXX, they sold the loan to XXXX. I received a letter and coupon book clearly stating our first payment was due on XXXX XXXX, XXXX. I made the loan payment through XXXX phone system on XXXX/XXXX/XXXX and it cleared my bank on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Weichert 's collection department for my XXXX payment. I explained the situation and the representative asked for proof. On XXXX/XXXX/XXXX, I then called XXXX & was told they could n't call Weichert, as Weichert would have to reach out to XXXX. I explained I had nothing to do with the selling of the loan, & XXXX & Weichert needed to communicate with each other. XXXX agreed, but since I was talking to a " call center ", Weichert would have to call them. Ten minutes later, I called Weichert & talked to three different people before I was transferred to the right department. I told the representative she could call XXXX & get reimbursed. I was told I had to provide proof of payment & my bank statement & confirmation number of the payment from XXXX was NOT enough. She said I needed to get something else from my bank. I hung up on her because of my frustration & her attitude. I have been a XXXX for 17 years, I have NEVER said to anyone a copy of a bank statement was n't ENOUGH proof of payment. 
My husband went to our bank & was able to get a signed letter from the Sales And Service Manager stating the mortgage payment was taken out of our account on XXXX/XXXX/XXXX. I then faxed a letter explaining all of this, along with the copy of the letter from XXXX & the coupon book showing the first payment was due on XXXX/XXXX/XXXX, my bank statement & the letter from my bank. Yesterday, I get a statement from Weichert, not only for XXXX, but they want XXXX mortgage payment too! If they sold the loan, WHY would they think they are entitled to XXXX payment!?!? I am extremely angry, & warned Weichert, if this was n't straightened out, or if this effected my credit, I would file a complaint with the CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was stolen since XX/XX/XXXX while I was stationed in XXXX XXXX in the XXXX. I left to XXXX XXXX back in XX/XX/XXXX with a credit score of XXXX. Multiple inquires and multiple credit cards ( XX/XX/XXXX ) were opened without my knowledge or approval due to someone acquiring my information. I had to find out 2 months just before I started to leave XXXX to go back to the USA that my Identity has been stolen and I can no longer purchase a house. These companies did not take time to verify or inform me that inquires were made and also credit cards were created. I'm now transferring bases and I have to deal with the headache of my credit score being so low that I can not purchase a home to live in while I work for the XXXX in XXXX. The actions of these companies and the person that stole my identity has destroyed my way of living and I am now in fear of my mental health. I have served a total of 10 years so far for the USA and I am now a victim of identity theft because credit card companies could not verify and give out my information and approve cards without confirmation. The credit companies listed helped destroy my credit and are responsible for my poor credit. 

COMENITYBANK/XXXX COMENITYBANK/KAY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have received phone calls inquiring payment on a debt showing on my credit. I have requested numerous times for clarity on the charges via telephone from the agents contacting me from XXXX. XXXX, XXXX What am I being charged for, what is the original bill? I have not been provided clarity on the collection item. The name identified on the collections does not match my full name either.
Product: Checking or savings account

the bank i use is chime the accounts i had where checking/savings and a secured credit card which i was using to build my credit the majority of charges were made with the credit card totaling XXXX and a few XXXX on the checking debit card i had {$6000.00} in my account on XX/XX/2023 i was robbed. my cellphone and wallet was stolen and i was brought to the hospital where i have hospital records showing i was in the hospital at the time of these charges. also i have a police report for the robbery. 

when my girlfriend picked me up from the hospital i used her phone to quickly turn off the cards but over {$3000.00} was already stolen. when i tried disputing the charges i was immediately denied. i didn't have the supporting documents at that time. so i got the detective working on the case to provide me his badge number and the case number and i provided that to chime as well as the hospital records showing that i was admitted during the time of the illegal transactions. 

that money i was saving up to move and i was supposed to move a couple weeks later on XX/XX/XXXX but now i cant and am being evicted so i am about to be homeless i don't know what i am supposed to do i have a police report of the theft and hospital records showing i was admitted during the time of these charges which were done at major retailers like XXXX and XXXX XXXX  where i know there are cameras to show i didn't make these charges. i didn't give anyone my pin this was a credit card that just has to be swiped. so im a victim of criminal fraud with supporting documentation and im still being denied please please please someone help me i am literally going to be homeless in a couple weeks because i cant pay my rent and i was already at the end of my lease at my current apartment and was going to pay first last and security at my new place XX/XX/XXXX so i am being evicted and i am going to be homeless please tell me why i am not FDIC insured against this type of clearcut fraud i did nothing wrong here i am a victim and i thought banks were supposed to help you in these circumstances the case number from XXXX XXXX police department investigating the case is : XXXX the detectives name is XXXX XXXX and his number is XXXX please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is in violation of The XXXX XXXX that requires financial institutions or companies that offer consumers financial products or services like loans, financial or investment advice, or insurance, need to explain their information-sharing practices to their customers and to safeguard sensitive nonpublic information data. XXXX committed identity theft as I did not receive on OPT OUT notice before submitting my nonpublic personal information to a third-party affiliate Experian. XXXX had a responsibility to provide a clear and conspicuous disclosure to me in writing or in electronic form or other form permitted by the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Capital One is a crooked company that I had the misfortune of doing business with in the past. 

Now, now matter how often I tell them to go away and stop marketing me, they keep coming back. 

I just received another call from them even though I keep my number on the XXXX list. I verified with the operator that contacted me that they were Capital One. 

Please put them out of business!!!
Product: Credit reporting or other personal consumer reports

I requested XXXX XXXX to provide me with the original documentation with my signature that shows I I had authorized a debt of {$16000.00}. I requested this documentation last month I specifically requested a documentation to be mailed to me. I spoke with the rep from XXXX XXXX today who told me that they did not have the original documentation. It has been well over 30 days since I requested this documentation. Since XXXX XXXX has been unable to validate and provide me with the original documentation with my signature as requested within a 30 day time frame I want this creditor to be deleted from my consumer report from all three agencies. XXXX Transunion and XXXX. 

I have disputed with the three consumer reporting agencies but yet they still show inaccurate unverified information and they do not have the original documentation from the creditor because they are unable to provide the original documentation.

My credit reports say that the vehicle was repossessed and written off but I never received a 1099-C From the original creditor legally I am supposed to receive a copy of that documentation that shows that the debt has been canceled so is either they refuse to give it to me or be they are intentionally and knowingly committing illegal actions against me and I will not stand for it.
Product: Credit card

Someone tried to open cc without my knowledge. I would like to get this taken off of my credit report. I have placed fraud alerts as well as contacted all 3 credit bureaus.
Product: Credit card or prepaid card

On or around XX/XX/2023 I lost my Prepaid debit card. I last used my card on XXXX { {$16.00} } earlier that same day, I went to the gas station that may be where I lost my card. I eventually went home and realized I lost my card. I immediately called to get a replacement card. I then realized that someone found my card and was using it without my permission. I followed the instruction of the representative and soon filed a dispute but it didnt include all charges so another dispute had to be filed a day later ). I was told I would receive a provisional credit in 10 days while they investigated my dispute. The unauthorized transactions were : XXXX { {$20.00}, {$50.00}, {$20.00} ) XXXX XXXX XXXX XXXX XXXX totaling over {$2000.00} approximately XX/XX/2023 The bank decided to close my account, refund me the remaining balance that was left in my account after the fraud { XXXX } And stated no error occurred and I would not be receiving any refund from the dispute I filed. The agent sent an email to me this all occurred today after I filed a XXXX  complaint the bank decided to retaliate for me asking question.I have since then made several calls and asked for the documentation they used to come to their decision, but I have not gotten any satisfactory answers. I followed all the bank 's protocol for losing a debit card, ( I notified them within 5 hours after losing it. ) I filed a dispute once the transactions posted to the account. But yet they are denying my dispute and closing my account. I think that is very unfair. The agent told me that they determined since I filed a dispute for charges I didnt conduct after my paychecks went into the account that I mismanaged this account or caused account abuse when I asked for explanation as I havent violated any terms and legitimately didnt make these purchases the agent told me that they feel Im a high risk because I filed a complaint. This feels like consumer abuse and again NetSpend intentionally withdrew the money and then blames the consumer and when you question them about it they immediately close the account and say you are high risk.
Product: Payday loan, title loan, or personal loan

Americash Loans is charging an excessive amount of interest on small payday loans that prey on lower class and middle class families that think they can pay the loan back within 90 days and when something happens that the consumer is unable to pay the loan back within 90 days, they profit by adding an additional XXXX onto of an loan that I only took out for {$1000.00} I dont mind paying back what I owe but these companies needs to be looked into further and shouldnt be operating a business that takes from hard working American citizens. They been taking out {$100.00} every since I took out the loan so thats {$200.00} per month meaning if they continue to take out this money I didnt profit anything from it accept for debt and high a interest rate meaning they profited from off me. Technically this loan is paid back over an 6 month period so why do the government still allow this predatory lending especially since XXXX  XXXX XXXX Was Fines For Predatory Lending Decades Ago. Im all about fairness and if I borrow money, I dont mind paying what I owed. Please investigate these predatory companies as I will move forward
Product: Credit reporting or other personal consumer reports

DEAR PAC AUTO FINANCES open date XX/XX/XXXX balance XXXX charge off date XX/XX/XXXX Letter : Per the FCRA as a federally protected consumer, I am opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and Un verbal per 15 USC 6802.

This account is charged off Per 15 USC 1681. A charge off is considered a certificate of indebtments. A certificate of indebtment is an income and a income can not be reported on to my credit report and must be removed Its also illegal to report transaction history per 16 CFR 313.7-433.2 -433.3 remove all inquiries 15USC 1681.Permissible purpose. Per Privacy Act Of 1974
Product: Credit reporting or other personal consumer reports

Today, unauthorized inquiries appeared on my credit report out of nowhere, leaving me baffled. I went through my report as I do routinely, and this time there were errors. After refreshing my browser in case it was just a glitch, the entries didnt disappear. Please conduct a careful review of the documents Ive sent, as I need this resolved urgently to avoid further stress.
Product: Credit reporting, credit repair services, or other personal consumer reports

Public Records - Bankruptcy XX/XX/XXXX sent letter to XXXX XX/XX/XXXX requesting the Bankruptcy listed on my credit report be deleted as the item was dismissed filed in error. XXXX refused stating it was n't their policy to delete accurate information. 

I contacted XXXX with the same letter and the also stated it was not reported by them but sent to them by third party XXXX and they could not delete the item.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.XXXX XXXX  XXXX was added to my credit report in error this is not my account 2.XXXX the balance is incorrect and I have never paid late 3.XXXX  XXXX was added to my credit report in error this is not my account These large items along with others have been disputed with the credit bureaus and are still reporting on my credit
Product: Checking or savings account

I was scammed using XXXX. I was trying to sell something and the person told me to send {$500.00} to myself through XXXX to open the account. Then he said he sent {$500.00} and had me send another & XXXX to release the funds Of {$1200.00}. Then he told me there was not enough and I got what I thought was a letter from my band Truist telling me to send another {$200.00} to this Truist account. Pending in my bank account is the amount of {$1800.00}. The person keeps messaging me to send him his money he invested into the account. I have called my bank three times and they said they cant do anything while it is pending.
Product: Checking or savings account

Chase locked my checking account on XX/XX/2020, I have not been able to access the funds since then, a local banker stated that Chase is closing the account and he does not know if or when I will be able to access the {$200.00} of funds therein.
Product: Credit reporting or other personal consumer reports

I have multiple inquires to credit unions and other lending entities on or around XX/XX/year> and ending on XX/XX/year>. I have disputed these inquiries and the bureaus refuse to remove these items. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I did not apply for these loans and want them removed from my bureaus. 

thanks XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

This letter serves as my formal demand under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ) for a complete validation of the debts you claim I owe, associated with the accounts listed above. Despite my prior requests, you have failed to provide sufficient evidence that these debts are mine, which violates my rights as a consumer. 

You are also violating my rights under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) by failing to provide transparency and accountability in your collection practices. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and also these XXXX XXXX and names not associated with me 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 or other personal consumer reports

On XX/XX/2024 I sent a letter regarding inaccurate and unknown things on my credit report to this day it has been over XXXX  days later I have not received a response XXXX. I feel like I'm being taken advantage of and being ignored of my disputes, section 611 ( a ) is plainly stated that a failure to investigate these items within XXXX  days gives a reason to immediately remove those items from my credit report. It has been over XXXX  days so they should be deleted promptly, I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person
Product: Mortgage

This ordeal started back in XX/XX/2020. I was approved for the tax expemtion in FL and I wanted to inform my mortgage company of the changes. Unfortunately, I made so many calls and spoke to so many rude and incompetent people that I got so fed up. Luckily I spoke to the only knowledgeable Supervisor in that company XXXX/ID XXXX he explained that they have to recieve the bill from the tax collector and once they recieve it they will review and do a new escrow analysis which will lower my mortgage payments. He said I should call back in two weeks which will be the middle of XXXX. Well I decided to call back in beginning of XXXX. I called over 15 times and explained that my taxes has decreased and I need a new escrow analysis done. Well it went on deaf ears every representative I spoke with was useless. The all submitted multiple task/ticket that wasn't done or cancelled out. Well on XX/XX/2020 I called and spoke with XXXX/ID XXXX and told her the situation she said that another task will be submitted and I should call back in 24hrs and it will be completed. I called back the next day and spoke with a representative and she explained the break down of the new mortgage payment. At that time I noticed the escrow analysis was not accurate. My PMI/Mortgage insurance was paid in XXXX in the amount {$810.00}, which will be {$67.00}. 61 monthly. However, the mortgage company has been charging me {$840.00}, which will be XXXX I tried asking the rep why is this information incorrect and I didn't recieve a proper answer. Looking back at my escrow analysis back in XXXX it stated my PMI/Mortgage insurance is {$810.00} but the company continues to charge me an extra {$2.00} and I'm not sure where the funds is being disbursed..This is fraud stealing my money monthly and no one can tell me where my {$30.00} went for the past 11 months .. I called another 10 more times and another ticket/ task was submitted and the rep requested a supervisor to call me back and no one called back and the issue was not fixed ..once the escrow analysis was done on XX/XX/2020 it shows my PMI/Mortgage payments is {$840.00} which is wrong ..they quoted my new monthly payments should be {$1500.00} which is wrong .. the correct monthly payment should be {$1500.00} once they adjust the amount of the PMI/ Mortgage insurance payment monthly ..Im tired of calling these people I wait an hour to get a representative and the rep don't even look at the account and say a supervisor will call you. I'm already seeking legal counsel this company is ridiculous. My job is not to make sure my payment is distributed accurately. I want this fix like yesterday.
Product: Debt collection

A person attempted to legally serve documents. Upon asking who they were they said they represented XXXX XXXX. The person left a stack of papers at the door and left. The papers left behind appeared to claim a legal action had been initiated. No legal action had been initiated when investigated on XX/XX/year>.
Product: Debt collection

On XX/XX/2020 i purchased an airline ticket and when I received my Booking information, i noticed the Agent had an error. I immediately contacted the merchant and informed them of the error they had made. I also contacted the credit card company I used to purchase the airline ticket. 

It took seven months before the merchant ( XXXX ) to pay back my credit card. During that time period the Credit Card company keep sending me payment statements for a error the merchant had made. I contacted the Credit Card company ( Barclays ) XXXX XXXX credit card explaining the merchant must refund the credit card back, and that I should not be responsible for the error of the merchant. 

It took seven months before the merchant paid the amount in full. I contacted Barclays XXXX XXXX and ask them to remove the Fees and Interest rates that occurred on my account, due to an error the merchant made. I the customer should not be reliable to pay for the mistake of the merchant ( XXXX ). I request the late interest and fees be waive from my account.