23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

When I assumed my loan XXXX, my escrow payment including all insurance and taxes was {$330.00}. After receiving a one time real estate supplemental tax bill that PNC stated they would pay on my behalf in the amount of {$1100.00} my projected escrow payment increased to {$630.00}. This amount is erroneous because my annual taxes did not increase nor did my insurance to justify an increase of an estimated XXXX monthly. When I spoken to three customer services representatives ; they stated someone incorrectly entered my annual taxes to reflect {$7400.00} annually. My annual taxes are {$2000.00} and my insurance is approximately {$600.00}. They stated they was going to complete a second escrow analysis and correct the taxes on XX/XX/2022 ; after completion of the analysis the issue was still not fixed after sending them my real estate tax bill from the county verifying my tax bill annual about. This is creating a financial hardship from someones oversight and errors inputting my tax amounts.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Inaccurate Information Reported by XXXX XXXX XXXX and ChexSystems Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to formally dispute inaccurate and harmful information reported by XXXX XXXX XXXX and ChexSystems, which has caused significant disruptions in my financial stability. 
XXXX. XXXX XXXX XXXX There are XXXX accounts reported by XXXX XXXX XXXX on my credit report that are incorrect and need to be removed immediately. These accounts do not belong to me, and their presence on my credit report constitutes a violation of the Fair Credit Reporting Act ( FCRA ). This misinformation has negatively impacted my credit score, rental history, and overall financial standing, creating an undue burden on my life. 
XXXX. ChexSystems ChexSystems has placed a block on my name, which has prevented me from opening a bank account. This situation is a major inconvenience, and I believe this block is based on inaccurate or outdated information. I request that this block be reviewed and removed promptly to allow me to access basic financial services. 

I have attached copies of supporting documents, including my credit report highlighting the disputed accounts, any correspondence with XXXX XXXX XXXX or ChexSystems, and my identification, to aid in the investigation and resolution of these issues. 

I kindly request the CFPBs assistance in addressing and resolving these matters promptly. The false information on my credit report and the block on my name in ChexSystems are unjust and need to be corrected without further delay. 

Thank you for your attention to this matter. Please do not hesitate to contact me at XXXX or XXXX if additional information is needed. 

Sincerely, XXXX XXXX
Product: Credit card

I noticed on my credit account statement for {$460.00} for XXXX XXXX XXXXXXXX XXXX, used on XX/XX/scrub>XXXX XXXX XXXX I have never received that service. I immediately notified my Citi Rewards credit card company and they said they will look into the matter and will credit my account in the meantime. I reached out to XXXX XXXX XXXXXXXX XXXX to gain information as to who the person was who stole my credit card information and fraudulently used my card ; however XXXX XXXX XXXX was unable to relay any information at all. At that time, I had locked my card while Citi stated they will issue a new card. In the next day or so, I was notified by Citi a declined purchase by an unknown store ( I can't remember the name of the merchant ). It was for an amount for over a {$1000.00}. I was extremely glad it got denied for someone was attempting to use my card again! Now suddenly I have the XXXXXXXX XXXX XXXX  charge of {$460.00} for XXXX, stating it has been reversed as investigation was completed. I called Citi stating I never used that merchant ; however now they say I never replied back with my dispute ( a letter they claim they sent me, which I never received ). I called multiple times again ; however, they still state it is a valid purchase. I believe the investigation on their part was poor as I am still being charged for this amount. Please assist in any way, thank you.
Product: Credit card or prepaid card

I reached out to XXXX  and was told I need to file a complaint with FTC or police. I then called Capitol One who were very helpful and found that a fraudulent application had been submitted in my name on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This Inquiry is unauthorized  
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Inquiry is unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX This Inquiry is unauthorized XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I missed a payment on this card and they turned it off. In XXXX I called to find out what the pay off balance was on the card. I made that payment. Got a notification that i still owed money the next month. I made that payment as well. Somehow they are still saying I owe {$150.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

discover bank has committed friad by opeing a credit card that they refuse to take off my credit report, i have sent valid information including documentation showimg im a victim of identity theft i do have an attorney hired to sue discover bank, their representative has failed to properly take care of this situation, i have informed her of my situation, ignored, i am a Victim of identity theft i am now in a legal process because of her actions her name is XXXX for customer advocacy and wouldnt even return my calls, i will use this information amd give this attorney if mot resolved by discover bank, they have used my information ot establish this account with out my permission i gave an amount XXXX to settle for damages and have this removed i will send the cooy of the agreement i signed so discover bank can and will tkae me serious, discover bank has open this fraudulent account and has forged my signature on this account, i will sue discover bank for negligence and for compromising my information and using my information fraudulently and take my complaint seriously and do not ignore this statement of facts, your rep has for this to the point of being rude and unprofessional now I have a settlement amount and my request now please honor this complaint and my reason I did not open this accident
Product: Debt collection

I reviewed my credit report from XXXX XXXX and XXXX and seen PORTFOLIO RECOVERY ASSOCIATES listed as a debt collector for XXXX XXXX Bank. 
I called and explained that this is not my account and the address listed was never a used address and this was fraud. I asked them to send me a copy of the signed XXXX XXXX credit card contract with my signature and they told me no. 

Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX and I am submitting this complaint without any influence from a third party or agency. Please see attached documents and ID as it contains my full complaint and requests
Product: Credit reporting or other personal consumer reports

I just received a copy of my credit profile and it had a lot of incorrect addresses and phone numbers, also incorrect spelling of my name
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX, the consumer in this matter. Requested my free annual consumer file in XXXX of XXXX from Experian, XXXX and XXXX. Through their toll free number XXXX, thats on their website annualcreditreport.com. All three of the credit bureaus Experian, XXXX and XXXX failed to give me my credit file. I have attempted on numerous occasions to get my file. I signed up for XXXX for the free annual report ; but was only given the number of accounts I have on my file, not the full information that is in my file. XXXX only offers the report you have to pay for or it leads you back to the website they use together or annualcreditreport.com. The three credit bureaus are violation of Title 15 USC 1681g ( a ) ( 1 ) ; Every consumer reporting agency shall, upon request, and subject to section 1681h ( a ) ( 1 ) of this title, clearly and accurately disclose to the consumer : ( 1 ) All information in the consumers file at the time of the request.
Product: Checking or savings account

I received a notification and check from Wells Fargo regarding a legal settlement between Wells Fargo and the Consumer Financial Protection Bureau addressing the banks sales practices. The XX/XX/2021 notification indicates that the bank is refunding fees in the amount of {$24.00} because they were assessed before I began using my account. 

The letter also provides that, This check also includes an additional amount of {$4.00} to compensate you for the time you did not have these funds. Thus, I understand this notification to advise me that Wells Fargo is refunding {$28.00} to me. However, the check is ACTUALLY for only {$24.00}. 

I write to complain that : ( 1 ) Wells Fargo still owes me the {$4.00} ; and ( 2 ) Wells Fargo has violated its legal settlement with the Consumer Financial Protection Bureau by failing to pay out monies to its customers as directed by the agency. 

Knowing Wells Fargos improper sales practices, I believe my wrong payment amount was NOT an oversight. For this reason, I did not reach out to Wells Fargo as I believe this error is yet another deliberate improper practice by the bank and numerous others have also been wronged in this manner. 

I will deposit the {$24.00} check before it becomes stale. However, I respectfully request that your agency have the bank send me my {$4.00} WITH INTEREST now accrued thereon and that the agency look into whether numerous others have also, yet again, been victims of Wells Fargos improper practices.
Product: Credit card or prepaid card

I opened an account in XX/XX/2018 with SYNCB/XXXX XXXX XXXX with Synchrony Bank. And out of no where I received a letter saying they have decided to close my account but my balance is still due. Reason : Balances on Accounts too high compared to credit limits and loan amounts. Now please keep in mind we're in a PANDEMIC affecting the worldwide nation. I'm calling a attorney today.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX  account # XXXX, has violated my rights 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 with my written instructions
Product: Credit reporting

I was told that the information that I disputed was correct and when I asked for evidence of factual documents, none have been received from Credit Bureau.
Product: Credit card or prepaid card

I have a Wells Fargo credit card account that I received through XXXX XXXXXXXX in XXXX XXXX WA. It is XXXX interest for 5 years. I am paying {$300.00} a month, slightly more than the minimum payment. The payment is due on the XXXX of each month. I utilize my online bill pay through another bank to pay this. 

One of my payments posted on the XXXX of the month and the other posted on the XXXX of the month. Wells Fargo stated that they could only reverse one fee but not the other. Their reasoning was that it was a XXXX interest account and the payment had to be posted on the XXXX, and stated in their disclosure. I got this credit card through the furniture store and no discussion about fees was had ; simply the XXXX interest. These discussions should be had prior to getting these types of cards.
Product: Credit reporting

XXXX XXXX is reporting a default on a previous XXXX 's account. I do not dispute the default, but I am disputing the dates they report the account was opened and defaulted. I issued an inquiry and dispute with Experian and they refused to amend or remove the information from my credit bureaus. The information appears on Experian and XXXX, but does not appear on XXXX. I am trying to purchase a co-op as a first time home owner and the incorrect information is affecting my mortgage interest rate and how much I must provide in terms of down payment. I appreciate your assistance to investigate this further. XXXX XXXX XXXX
Product: Mortgage

Our mortgage is held by Bank of America. We have an amortized loan so the payments are increasing. My wife is not working. I am having a hard time paying mortgage and all other utilities, insurances, food, etc. I was able to receive assistance from Keep Your  Home California, with a principle rate reduction, condition was we had to work with our m ortgage holder for a modification by a certain date . BofA has not been helpful at all. We are assigned a loan counselor to  " help '' us and all they worry about is when we are going to make the mortgage payment. Keep in mind we were n't behind at the time. It seemed as if anything I said, she never heard. Keep Yo ur Home California sent BofA our approval and told them also the stipulations of us receiving help. We rec eive a letter from  BofA a few weeks later saying that we ca n't get a modification from them and the principal reduction through Keep Your Home California. However that is n't correct, the modification is the rate reduction and Keep Your Home California will receive funds on our behalf to pay BofA. When I tried to send a complaint to BofA corporate it was routed to our original loan counselor who in turn contacted Keep Your Home California and told them they could n't get a hold of us, and for us to contact them immediately. We had been trying to get a hold of them the whole time. So now we have a new loan counselor who knows nothing and is only trying to get a payment instead of help us.    We have lived here 17 years, we do not want to lose our home. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectify a violation regarding the reinsertion of previously deleted material into my credit report. 
On [ Date ], I sent a letter to XXXX notifying them of the reinsertion of XXXX XXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). Despite waiting for 35 days after sending the letter, XXXX has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. 
XXXX and Equifax actions have caused significant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with XXXX and Equifax they have neglected to take appropriate action, demonstrating a lack of accountability and compliance with federal consumer protection laws.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The accounts are XXXXXXXX XXXX XXXX XXXX  on XX/XX/XXXX Amount : XXXX -XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX opened on XX/XX/XXXXXXXX  Amount : XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXX Amount : XXXXXXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX  Amount : XXXX Ive reached out to the companies and havent received any type of feedback
Product: Credit card

I made an online purchase on XX/XX/XXXX. The company never sent my product and and I finally cancelled the order on XX/XX/XXXX. The company advised they would refund my purchase in 5 - 7 days. It has never happened. After no refund by XX/XX/XXXX, I disputed the charge with my credit card company. They initially reversed the charge while investigating. They unexpectedly returned the charge stating it had been over 60 days from the original purchase. I was surprised and confused at this response. I contacted them asking where was this policy. They said it was on the back of the statement. I reviewed the statement and the 60 day rule applies to statement errors and not disputes. 

XX/XX/XXXX - Placed order XXXX at XXXX XXXX. 
XX/XX/XXXX - Inquired about receipt of my order. They apologized and said it would be XXXX delivery. 
XX/XX/XXXX - Inquired about product. 
XX/XX/XXXX - XXXX XXXX responded with an apology advising a delay. XX/XX/XXXX - Cancelled order XXXX. 
XX/XX/XXXX - Advised refund would be in 5-7 days. 
XX/XX/XXXX - Inquired about status of refund. Customer service advised they were running behind and would escalate the refund issue XX/XX/XXXX XX/XX/XXXX - Inquired about refund. Customer service advised they would investigate. 
XX/XX/XXXX - Disputed the charge with credit card company Elan Financial Services. # XXXX. The disputed charge XXXX. 
XX/XX/XXXX - Still no refund. Sent email to XXXX XXXX XXXX XXXX today. 
XX/XX/XXXX - Credit card company reversed the charges with interest citing a 60 day rule. 
XX/XX/XXXX - Contacted the credit card company asking where the 60 day rule came from. The said it's on the back of the billing statement. I reviewed the back of the billing statement and it shows it's for errors. The dispute section doesn't have a time limit. 
XX/XX/XXXX - Filed Complaint against XXXX XXXX XXXX with the XXXX XXXX XXXX to escalate the refund issue. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Submitted this complaint with CFPB against Elan Financial Services for deception. They need to update their policy and make it clearer.
Product: Mortgage

Monday, XXXX XXXX. SouthEast Mortgage called me and explained that my loan ( that they previously said was fully approved last week on Thursday XXXX XXXX is not denied " unless '' I pay {$7000.00} or {$10000.00} in 48 Hours ( Closing Date was Wednesday XXXX XXXX ) And asked which option ( before the end of the day ) would work better for me? 

I applied for the Georgia Dream loan and was working with the team for 4-5 months  and each step of the way they were making me aware of what needed to be taken care of and " fixed '' yet 48hours before the closing and keys were handed to me and my family, now all of a sudden my " tax issue '' that currently has a monthly payment installment agreement in place, in now causing my entire loan to be denied. 

He also instantly required me to pay off all my tax debt before 2017 for All Years. He also informs me that my GA Dream file was submitting to 2nd set of underwriting last week around Thursday XX/XX/XXXX. From my personal expert team, they made me aware it normally takes 10 days to clear. Once I ask the SouthEast Mortgage official for a document to show the denial letter/information, and call him again, he explains that GA Dream is now Not Possible No Matter What. Even after several attempts for the official denial letter, nothing was produced. 

The mortgage is off the table, my earnest money is lost, my apprasial fee is lost, my home inspection fee is lost, and my 4-5 months of patience and persistent has been wasted. 

We spoke to Georgia Dream agent and she explained there is a simple document that I need to clear this condition, it's a lien right documents that changes the order of rights away from IRS in primary position. XXXX did not even discuss this with me at all and just proceeded to let me know that I am " denied '' with no options. Last week he explained to me that I was " approved '' and congrats but Monday he explains my file was not submitted to GA Dream underwriters until around XXXX XXXX. 

I was told I was approved, then it was just taken away from my family and I. 
I have attached the only " denial '' they sent us.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to unsubscribe to Experian credit report that bills me $ XXXX. I ca n't login because of invalid user credentials. I contacted them 3 times, as early as XXXX XXXX, 2015 to request for assistance but they never replied.
Product: Student loan

My account is with Navient. On their website they say that you can use what they call " special instructions '' for extra payments so that your extra can go directly to your principle. I asked them to please do this on a specific XXXX of the XXXX loans. Their response to me was essentially " your extra payment goes first towards your unpaid interest. This seems fishy and bad practice!
Product: Credit reporting or other personal consumer reports

Checked my credit report and Vystar Credit Union has put two tradelines on my credit report. Each entry states balance of {$1000.00} and the other of {$990.00}. These accounts were opened on the same date of XX/XX/2022 and closed on XX/XX/2022. I have never had a Vystar account. The accounts need to be deleted immediately. I have also reported to the FTC as fraudulent accounts.