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

I have been having a horrible experience with Barclays and just made a CFPB complaint about them not handling a fraud on my account correctly. Instead of resolving it, just yesterday after I had a nice conversation with the office of the president, they instead reported me as delinquent ( I have NEVER been late with them and always paid my account in FULL every month! ) and now my credit score has tanked 31 points! I am so upset that they are being vindictive and hurting me personally because I made a complaint against them! I really need the regulator to assist me as this is the worst experience I ever had and they are ruining my credit now! They put on the credit report that they concluded the investigation and I am now 30 days late! They never sent me the results of any investigation and on the contrary told me they would actually investigate this. They reported me on XXXX  on XX/XX/XXXX.
Product: Mortgage

I was stricken with XXXX XX/XX/XXXX as a provider seeing patients. I began forbearance with XXXXXXXX XXXX XXXXXX/XX/XXXX i attempted during forbearance to continue to pay partial mortgage payments to them in the amount XXXX until XXXX to sick to continue work and pay. I completed the forbearance went into modification XX/XX/XXXX the terms was sign during and after the XXXX XXXX payment of XXXX the loan was transferred to PHH mortgage during this time the escrow amount was wrong did not include home taxes and insurance in which before my illness was included. I told PHH in XXXX when loan was transferred it was wrong after spoke to many agents at PHH no one listen until XXXX during this time i was asked to continue paying XXXX trail payment in which i did. There were 5 total payed to PHH. No one at PHH can tell me where the suspense payment went to until 1 week ago PHH stated the funds went toward the mortgage payments while I was in forbearance and the recent payment went toward monthly mortgage payment while in modification. A new monthly mortgage payment of XXXX state not written by the servicer stated starts XX/XX/XXXX still I have not received a breakdown of all payment made where they went. They are asking for a 6 trail payment for XX/XX/XXXX in which I was told by me calling of another XXXX plus new payment of XXXX mortgage XX/XX/XXXX payment and if I do not pay they will keep the monies payed a put the home in foreclosure. I have contact the Texas Mortgage Consumer Affairs ' put in a complaint with XXXX now your agency. PHH has threated several times with door hanger notices that they will foreclose my property I have never been late on my mortgage before my illness even during my illness I attempted to pay. I need help please. They want me to continue to pay without letting me know where my money is going. Before illness I owed XXXX. PHH is stating I owe XXXX more. When speaking with PHH they blame XXXX its not my fault the loan was sold incorrectly but I have to pay the penalty. A check for XXXX for XXXX payment was sent via USPS regestered
Product: Credit card

I had applied for AT & T XXXX XXXX Credit card from Citibank ( XXXX ) and the same got approved on XXXX XXXX, 2015. The card has an annual fee of {$95.00} and it has an offer related to reimbursement of upto {$650.00} incurred towards purchase of new cellphone from AT & T provided new user spends {$2000.00} within 3 months. However, AT & T ( Both online and Physical store ) has declined to honor the offer citing obscure reason that they are not sure about my identity ( they can issue me a credit card nonetheless ). Even citi bank has not stepped into resolve the issue even after multiple complaints. I feel I have been cheated by the fraudulent advertisements of citibank.
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to 15 U.S Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!! 
Under 15 U.S Code 1681b- Permissible purposes of consumer reports ( a ) 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 INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal law protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of each of the accounts listed IMMEDIATELY!
Product: Debt collection

Back in XXXX I was called by a collection agency about a XXXX account I had never opened. I informed them they are incorrect and I have never had a XXXX account before. They told me to pay {$3000.00} or get an affidavit saying that it was Identity Theft. I went to a XXXX store and told them what happened but the only help they offered was giving me a copy of the account statement opened in my name ( Account # XXXX ). I filed a police report on XX/XX/XXXX with XXXX County Police report # XXXX. I gave them the incident report number and they left me alone. One year after that another Debt collector tried to contact me. I gave them the police report number and they left me alone. Then in XXXX Convergent Outsourcing contacted me for the same debt. I told them the same thing, and shared with them the incident report. They didn't care and said that they were going to put it on my credit report as a derogatory account. Since XXXX of XXXX they have impacted my credit report even though I told them it was not my account and provided the police report. I tried disputing the report with XXXX  but they did not resolve it either.
Product: Credit card or prepaid card

I attempted to add funds to my account using linked account, card ending in XXXX, several attempts made and error message received.. The messaged stated, due to technical difficulties, transaction can not be completed. I then logged out to see if logging in again might fix the error, another messaged appeared stating user name or password is incorrect which I know it is not as I have double and triple checked both. Despite this, I attempted to change password and was unable to do so, a message appeared stating due to inactivity for ten minutes, session has expired. It appears there is a technical issue with the web-site which needs to be fixed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lender has marked " account 30 days past due date tow times '' on credit report. I have never been late, it was set on automatic payment through their system. They drafted on my pay days. I contacted them on XXXX and informed them of issue on credit report. Lender stated they would investigate and contact me back. As of XX/XX/18 I have not heard back.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw outrageous amount of items that were opened under my social number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them form my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

INACCURATE INFORMATION BEING REPORTED ON MY CONSUMER REPORT
Product: Mortgage

LoanDepot LLC : Mortgage account # XXXX, borrower name : XXXX XXXX, Call Cell # XXXX for Soc. Sec # ). 

We experienced a flood in our house the day before Hurricane Ian swept through which turned off our power for 2 weeks. We tried to clean up the water as quickly as possible before we evacuated and before the power went out. However, after returning to the house, mold started to form. We were able to get a contractor out immediately. The contractor gave us an verbal estimate, we accepted, he invoiced us and we paid out of pocket. We also paid out of pocket to Home Depot for rental clean up equipment and flooring supplies. The flooring company removed the damaged carpet, treated the mold and replaced the flooring. We submitted a claim to our insurance company but as part of our mortgage agreement, any checks issued by the Home Owner 's insurance over {$40000.00} has to be sent to the mortgage company to disburse the money. 

We submitted all the documentation to the mortgage company plus receipts for the above mentioned repairs totaling {$7800.00}, the endorsed insurance check for {$52000.00} and overnighted it to them on XX/XX/XXXX. They still have not dispensed any of the money to us. We are in the process of getting estimates for other work in regards to this claim, but we will not be able to pay them a down payment, because we have put so much of our own money out of pocket. They are holding up disbursing the {$7800.00} because they said they need a copy of the estimate from the flooring company even though they have a very detailed invoice with a phone number that they could have called. I also spoke with someone at LoanDepot Loss Draft Department on XX/XX/XXXX who said the detailed invoice should be fine. 

I have had to take off from my teaching job to work on this issue yet again. I was luckily able to get a hold of the contractor that did the flooring and he was able to email me a printed estimate which I have just sent to LoanDepot, but I have no faith in them that they will respond in a timely fashion. 

Please help in getting them to send us this money and in the future any additional money from this claim.
Product: Debt collection

On XX/XX/2018, I contacted XXXX XXXX to discuss an account. The first representative I spoke with asked to " verify my ( sic ) phone number, '' knowing that I did not have one on file. After asking about this, the representative told me they had spoken with me about my account on several lines or numbers, revealed to be a list of 15+ numbers which I've never had. The company released my information to whomever owns these 15+ numbers! When I asked about this, the representative stated that use " skip tracing '' to acquire numbers, but that can't be factual information as the numbers were in no way associated with me directly. They did, however, confirm that they had called a sibling and a parent through giving me numbers to my sibling and parent. Nice!
Product: Credit reporting or other personal consumer reports

I am writing to demand immediate action regarding numerous violations of the Fair Credit Reporting Act ( FCRA ) evident on my credit report. Your bureau 's failure to adhere to FCRA regulations is unacceptable and requires immediate rectification. 

The FCRA mandates accurate and fair credit reporting, yet my credit report contains multiple inaccuracies that are damaging my financial standing. I demand that your bureau promptly investigates and corrects these violations to comply with federal law. 

Failure to address these violations promptly will result in legal action. I expect swift action to rectify these errors and uphold the standards outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian continues to report inaccurate information multiple examples of evidence that the wrong information is being reported. 
The CFPB has failed to elicit a true response. Simply starting that they will do an investigation is NOT the same as giving a concrete, factual response with evidence they considered proof provided to them and reasoning behind decisions that effect my credit file. 
I expect a true response from experian and not a generic prescripted auto reply. I want specific details that directly relate to my case. 
I will attach evidence that has previously been submitted to them and expect Experian to explain their consideration of the facts.
Product: Money transfer, virtual currency, or money service

On Friday XX/XX/22, I woke up to check my bank balance as I get direct deposit and had many bills to pay. I saw that Cash App, a money service app that I use to send money back and forth with my daughter, initiated two transactions from account, one for {$10.00} and one for {$1000.00}, a total of {$1000.00}. My phone was also being spammed by a Cash App pop up that I could not stop. After looking online, I found that it could be because of the NFC feature on my phone. I checked it and it was on, so I turned it off. I never use this feature and have never had something like this happen to me. I turned it off and the Cash App pop ups stopped. I found that the money that had been taken out of my account was in my Cash App balance. I had to initiate a payout of these funds back into my own bank account, the same account it was taken from. I had to choose the expedited option which charged a {$17.00} fee to put the money back into my account. I did not have the ability to wait until Tuesday for the standard payout option which would not have charged a fee as I had several bills due that day. I notified Cash App that same day of what had happened and that I did not initiate or authorize these transactions and requested a refund of that fee. Because I did not initiate the transactions to begin with, I feel that my request for the refund of that fee was reasonable. I would not have had that fee had these transactions not taken place. To be clear, I had no automatic load feature turned on, and there was nobody that had my password or authorization to make transactions out of my bank account or Cash App account. I have been dealing with this issue with Cash App for 5 days as of today. Today they closed their " investigation '' stating that I had to have done it or let someone do it, so there was no error and they weren't refunding that fee. Yes, I was very upset and used inappropriate language. They said they were closing the claim and I could open a new one if I had more information. They provided a phone number to call. I called and spoke to someone by phone who also ultimately said that since I chose the expedited payout and agreed to the fee, they would not refund the fee. I continued to tell them that I did not authorize the transactions in the first place and I had no choice but to use that option. I do not believe this is fair or appropriate. I woke up to all of money being taken out of my account by Cash App without my knowledge or consent, and I do not believe that their response is appropriate. It's no longer JUST about getting that fee refunded. It's about the unethical practices that I believe Cash App took, and their lacking " support '' in this situation. I have screenshots of my entire conversation as well as of the transactions. While I do want that fee refunded, I want Cash App to be held accountable for this incident.
Product: Mortgage

I purchased a new construction home in XX/XX/XXXX and the loan was transferred immediately to Well Fargo in XX/XX/XXXX. During my second year of mortgage payments, I was notified by Wells Fargo that my monthly mortgage payment would increase from {$1500.00} to {$3400.00} starting in XX/XX/XXXX due to an escrow shortage. I contacted Wells Fargo several times regarding this enormous increase in payment which I could not afford. My first option given to me was to refinance my mortgage. I went through the process of trying to get refinanced only to be told that I didnt qualify for a refinance. After speaking with customer service about my next options, I was told that I could apply for mortgage hardship assistance. I went through that process only to be told that I did not qualify for this as well. I was extremely confused as to how my mortgage payment could more than double, and I was not qualified for a refinance or a hardship. After several attempts at trying to get this resolved, finally a customer service representative told me that I may divide my escrow shortage into XXXX payments instead of the standard XXXX payments making my payment {$2800.00} instead. I dont know why Wells Fargo did not give me this option in the first place instead of sending me through the inconvenience of applying for a refinance and hardship only to be denied. When I inquired about this, I was told that Wells Fargo doesnt like to offer this solution to customers. Then, last year ( XXXX ), I was contacted by Wells Fargo with a special refinance offer with a reduced rate, basically stating that I may have actually qualified for a refinance after all. So, I went ahead and did this special refinance last year and have been with Wells Fargo with almost 5 years now with a XXXX ratio of approximately 57 %. I have made 100 % on time payments, in spite of the deceptive practices of Wells Fargo. On XX/XX/XXXX, I contacted Wells Fargo to inquire about having my escrow account removed. I was immediately denied and was told that I must be in my loan for at least 2 years in order to qualify and since I did that special refinance last year then I did not meet the qualifications. I feel that Wells Fargo is using predatory and deceptive lending practices as they have proven to do in the past. XXXX XXXX requires that mortgages be over one year old to have escrow removed and Well Fargo seems to make these policies at the expenses of responsible consumers. I request that Wells Fargo remove my escrow account immediately so I can manage my own payment of taxes and insurance.
Product: Mortgage

I paid off my mortgage loan with Bank of Hawaii on XX/XX/2022. As of XX/XX/2022, XXXX : 1 ) NOT received written confirmation that the loan has been paid off, 2 ) NOT received the balance in my escrow account, and 3 ) NOT received a refund for an apparent overpayment of interest on the mortgage loan. Bank of Hawai has had use of my money- with no interest or other compensation to me- for 25 days now. I called BOH on Tuesday, XX/XX/2022 and asked about the money we are owed. Their attitude was pretty cavalier to say the least, saying it usually takes " several weeks '' for these kinds of refunds to be made. If that is indeed the case, then BOH is unfairly taking advantage of its customers and your agency and other relevant agencies need to investigate. 

On XX/XX/2022, we received the funds that Bank of Hawaii owed to us. However, as part of this complaint, please consider the following additional information : On XX/XX/2022 we received a refund of the funds in our escrow account in the amount of {$2400.00}. Bank XXXXf Hawaiis cover letter was dated XX/XX/XXXX 6 days earlier than the date we received it. Bank of Hawaiis check was dated XX/XX/2022. However, the loan associated with the escrow account was paid off on XX/XX/2022. Bank of Hawaii had the free use of almost {$2500.00} of our money for 27 days. 

Also on XX/XX/2022, we received a refund of the overpayment on the payoff of our loan in the amount of {$140.00}. Bank of Hawaiis cover letter for this check was dated XX/XX/2022 (!! ) Bank of Hawaiis check was dated XX/XX/2022 20 days after the date on the cover letter. As noted above the loan was paid off on XX/XX/2022. Bank of Hawaii had the free use of almost ( an additional ) {$150.00} of our money for 27 days. 

This practice harms all consumers.
Product: Credit reporting or other personal consumer reports

I am submitting this follow up to formally request the removal of the two remaining fraudulent inquiries from my credit report. It is imperative that these inquiries are expeditiously addressed in accordance with the provisions of the Fair Credit Reporting Act ( FCRA ), specifically under section 605b. This section obligates Credit Bureaus to REMOVE items listed on an identity theft report, with reference to report number # XXXX. The specific inquiries requiring removal within 15 days are as follows : EXPERIAN : XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX ( XX/XX/XXXX ), I called Bank of America/Visa to inquire about BALANCE TRANSFER PROMOTIONS. I spoke with an agent who offered " {$9000.00} with 0 % for 18-month promotional period. '' I proceeded to give my information and was approved. 

I wrote in my XXXX sheet where I track all payments to accounts including credit cards : " BOA VISA *new* XXXX XXXX % Interest 18month ( opened XX/XX/XXXX ) XXXX '' In XXXX of this year, I discovered that they had begun charging interest and that there were late fees. The monthly due date was the 4th of every month. I felt upset because I had requested previously to change the monthly due date to the 12th. So I called Customer Service and after a XXXX hour phone call I was told : XXXX that the monthly due date was changed until the 12th XXXX. My account would be credited for the late fees and the interest charge XXXX. My case was being escalated regarding the 18-month 0 % interest promotional period. And that I would receive a response. 

Well, I never got a response. 
The monthly due date was never changed And they continued charging interest in XXXX I have a very busy schedule and travel a lot and was not able to check this in XXXX, So now I find out that nothing has been done and that I have been charged nearly {$1000.00} in late fees and interest. 

I have been a Bank of America client for about 20 years with multiple accounts. I feel lied to and that there is no resolution other than pay it all or fight. 

I am ready to clear this balance immediately but do not agree with these late feeds and nearly 23 % interest charges. 

Please advise. 
Thank you, XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I filed a complaint against Complete Credit Solutions for placing a fraudulently-opened PayDay loan debt on my credit report. Those types of loans are not even legal in the state of North Carolina. Despite the complaint, this collection agency continues to report this travesty on my credit report. I did receive a response from the CFPB, that Complete Credit Solutions responded to our complaint, but I sure never got a copy of it. The CFPB informed me that on XX/XX/XXXX, that Complete Credit Solutions mailed me a copy of the response to the complaint, but the response was not available online. I know the US postal service is slow. But I can't imagine that it takes 2 weeks to deliver a letter from their office to my home. I've been checking my mailbox religiously every day, and nothing has arrived from Complete Credit Solutions. So not only are they collection agency that doesn't follow federally mandated protocols, they have now also proven themselves to be liars. I even called them at the number that you provided, and the representative I spoke didn't even know what I was talking about, when I asked for a copy of the response to my CFPB complaint. Its now been a month since I filed the complaint, and I don't think that its too much to ask to find out what's going here. After all, I am the party that was harmed, and this situation just seemed like it was blown off with nothing done.