23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortgage through BSI Financial on my condo in XXXX XXXX, Alabama. The mortgage payment has been {$2900.00} each month and is automatically drafted from checking account. 

On XX/XX/XXXX, BSI Financial drafted {$5100.00} ( {$2100.00} more than what my normal payment ) from my checking account. When I called to find out why they drafted so much, they informed my that they applied a forced place flood policy to my escrow- despite the fact that we already provided the policy to BSI Financial. During my call, I emailed the policy to the customer service agent and she indicated that a new escrow analysis will be completed and my payment would be updated within 5 days. 

After my call with BSI, I called my bank XXXX Bank XXXX XXXX ) and had them reverse the payment to BSI since it was incorrect. XXXX did in fact reverse the payment for me on XX/XX/XXXX. 

Since then, I have called BSI multiple times per week ( sometimes multiple times per day ) to have my XXXX payment amount updated so I can make a payment. I can never get a consistent answer from anyone at the company. I've been told to simply wait longer ( despite the fact that I'm incurring late fees ), I've been told they still don't have my flood insurance policy, I've been told the escrow analysis was complete, then told the analysis was never done, etc. 

I've spoken to a supervisor- XXXX XXXX- who gave me his direct email address. I've emailed him multiple times ( as has my wife ) trying to get a resolution to this. He hasn't responded to any of our emails. 

I simply want to make my accurate mortgage payments without late fees. We're now in XXXX and my XXXX payment will soon be due on top of my XXXX payment, and I have no confidence that it will be accurate either. I need help getting BSI Financial to provide an updated escrow analysis and updated mortgage information so I can make my payments to them.
Product: Bank account or service

I opened a Citibank ( R ) Account Package checking account in XX/XX/2016 using promotional code XXXX ( equivalent to the online code XXXX or Citi 's internal code XXXX ), under which I would receive a bonus payment of {$400.00} within XXXX days of meeting the requirement to keep {$15000.00} in the account for XXXX days. I deposited {$15000.00} in the account on XX/XX/XXXX and kept it in the account until XX/XX/XXXX, when I withdrew {$5000.00} via check. 
In XX/XX/XXXX and XX/XX/XXXX I messaged Citi asking about the promotion and they confirmed XXXX times in writing that the promotional code was applied to my account, that I had met the requirements for the promotion on XX/XX/XXXX, and that the {$400.00} would be credited to my account by XX/XX/XXXX 
When the bonus failed to post to my account by XX/XX/XXXX, I opened an investigation with Citi as to why it was not paid. They have failed to answer that investigation and have been stonewalling me ever since. The most recent communication I have from them is from XX/XX/XXXX which claims they have " expedited '' the investigation with their back office and that I must wait another XXXX days before they can tell me why the bonus was not paid. 
It is clear to me at this point that Citi has no intention of paying the bonus they owe me and intend to continue stringing me along with endless " investigations '' until I give up. I am tired of dealing with these people and just want to close my account, but can not do so until the investigation is resolved. 
I demand that Citi pay me the {$400.00} which they have repeatedly acknowledged that they owe me and which should have been paid by XX/XX/XXXX I also request that Citibank be referred to the XXXX Department of Justice and Federal Trade Commission for engaging in fraud and false advertising, as I am not the only person Citi has attempted to cheat out of their bonus in this manner.
Product: Mortgage

My escrow payments have been consistently increasing over the past XXXX years, which means my mortgage payments have consistently increased over the past XXXX years. I have requested information as to why, I have made escrow only payments to try to resume a reasonable monthly mortgage payment, I have submitted a new tax bill that was several thousands of dollars less than what the mortgage company had but still I am paying a XXXX dollars into escrow, despite my escrow balance being only {$450.00}. Only {$300.00} of my {$2200.00} mortgage payment is going to principal, with {$1000.00} going to escrow. This mortgage company is charging me nearly {$12000.00} a year in escrow charges when my annual tax & insurance bills are roughly {$4000.00}. I have tried & tried & tried, they are absolutely unwilling to budge. They now sent me an escrow analysis that says that I need to have a {$1300.00} cushion, or overpayment, because the mortgage company does not set the tax or insurance amounts. This is unacceptable, unreasonable & putting me at risk of losing my home, not because of non-payment, in fact all I have done is pay more & more & more every single month.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my six attempt to notify you that I am a victim of identity theft and I write to dispute certain accounts in my file resulting from the crime. The accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block the reporting of any information in my credit file that resulted from an alleged identity theft. 

These accounts are unknown to me. Also, the information you provided on some accounts are DELETED from other bureaus and I have doubts in their accuracy and the reported payment history on some accounts are a mystery to me. As required by FCRA 605B ( c ) ( 1 ) ( C ) Authority to decline or rescind. 

( 1 ) In general. A consumer reporting agency may decline to block, or may rescind any block, of information relating to a consumer under this section, if the consumer reporting agency reasonably determines the following : ( A ) the information was blocked in error or a block was requested by the consumer in error ; ( B ) the information was blocked, or a block was requested by the consumer, on the basis of a material misrepresentation of fact by the consumer relevant to the request to block ; or ( C ) The consumer obtained possession of goods, services, or money as a result of the blocked transaction or transactions. 

Again, the accounts I am disputing do not relate to any transactions obtaining any possession of goods, services or money that I have made or authorized. Please block or remove the reporting of any information in my credit file that resulted from an alleged identity theft. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$75000.00}, XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$28000.00}, and XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$5100.00}.
Product: Credit reporting or other personal consumer reports

THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX - Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX - Balance : {$350.00} UNAUTHORIZED INQUIRIES : XXXX XXXX NA XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Money transfer, virtual currency, or money service

Used Zelle payment service via the XXXX XXXX  app to send money. Transaction posted XX/XX/14 ( XXXX # XXXX ) for {$340.00} Money was transferred but goods were not received. XXXX XXXX will not refund money claiming their disclosures holds them harmless. Since Zelle is integrated with the XXXX XXXX XXXX, a reasonable person would presume it to be verified and escrowed by the bank. No disclosures or warnings appeared on the app when making the transfer to the contrary. XXXX XXXX opened a case ( XXXX ) but made no promise or expectation of reconciliation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am locked out of my EXPERIAN.COM  account. I have tried for weeks called several times worked with agents and it has even esclated but noone will contact me! I have tried numerous times using the forget password. THe Experian account says sucessful password but when i try to get in it gives an error report UNABLE TO PROCESS YOUR INFORMATION AT THE TIME and they have even asked for snapshots. NO ONE WILL CALL and it has costed me hours of troubleshooting. MAybe they will call me and resolve this issue after you contact them. XXXX XXXX THis issue started when they hounded me to reconnect my bank and one of my creditors XXXX but could never get resolution. THeir system says all set but i continue to get the reconnect XXXX account.
Product: Credit reporting, credit repair services, or other personal consumer reports

i am seeking assistance from CFPB regarding my Credit that has been destroyed in the last year. I traveled overseas on XX/XX/2017 and returned last month to the USA. After i realized i couldn't locate my personal belongings. Then i checked my credit card accounts online and realized everything was maxed out. i ran a credit check on Annual credit report and realized all my accounts were charged off or gone to debt collection. I am unable to do anything due to this issue. I have kept all my finances in order before i left USA and i have reason to believe someone has used my information or actual cards. Debt reported : XXXX XXXX XXXX - {$3000.00} XXXX XXXX - {$6100.00} XXXX XXXX - {$8800.00} XXXX XXXX - {$4600.00} XXXX XXXX - {$3700.00} XXXX XXXX - {$3200.00} Chase - {$13000.00} XXXX XXXX - {$6600.00} XXXX XXXX - {$1100.00} XXXX - {$7100.00} The amount is totaling up to {$57000.00} I need immediate assistance to regain my credit and protect my self from identity theft in the future.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXXXXXX XXXX XXXX XXXX  HAS VIOLATED MY RIGHTS. 
15 U.S.C 1681 SECTION 602 A. STATESI HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX I visited a XXXX resort in XXXX, Florida. After a lengthy sells pitch they sold me on a every other year timeshare. I was never told about my rights to rescind or given the POS. In XX/XX/XXXX, I used the timeshare and discovered it wasnt what I was originally sold. After making many calls and no reply from XXXX didnt hear anything from XXXX resorts until XX/XX/XXXX when they reported a delinquent account to my credit report. I had to call XXXX and I requested the original contract, etc.. ( via phone & written request ) which no one would assist, they just tried to sell me on a new timeshare. Completely disregarding my concerns. I have nothing with my signature stating I agreed or authorized XXXX to report to the credit bureaus. I have never received an inquiry to access my credit report and they have never reported the account until XX/XX/XXXX.
Product: Credit card

In XXXX, I ordered a size XXXX vest from XXXX XXXX online. Couple days later, after I received the item, I found out that it was too small so I returned to XXXX XXXX XXXX. The Sales Associates checked carefully upon returning and issued me a credit refund of {$540.00}. 

One month later, I found out that XXXX XXXX charged my credit card the same amount again without my authorization. Therefore, I called them to inquire the reason. The Sales Representative over the phone told me the vest is missing a label. Thus, they have to send the item back to me and charge me again. 

Upon receiving the item from them a week later, I checked carefully and notice all the label was intact, including the tiny size label hidden inside of the vest. I called them again to ask them explain explicitly what " label '' they were referring to. I was told it was the incorrect size label they received. I asked for a detailed explanation. They told me they would contact me once they confirmed with the warehouse department. Ten days later, there was still no reply from them at all. 

Hence, I took the item to the XXXX XXXX XXXX and had the Sales Associate to confirm the size for me. She acknowledged the size I am having is Size XXXX not Size XXXX. I asked her if she could help me resolve this problem, she explained, because XXXX XXXX store and online are totally different enteritis, so I have to contact XXXX XXXX online for returning process. 

Please check the picture I uploaded earlier, it clearly shows the vest I have received from them is size XXXX not Size XXXX. I have no clue why they kept saying it is size XXXX. Again, I tried to contact them but no one seems to care to help me out. 

What XXXX XXXX online did to me is absolutely absurd. Just because they retain my credit card information in their system does n't mean they can recharge me at anytime without my prior consent. 

I contacted the American Express Credit Card to open a dispute but they did not in favor me but did not explain why I have to be charged at the second purchase that I did not authorize. 

I tried to cancel an American Express XXXX XXXX earning card after a fraudulent charge appeared on my account but no one takes action to protect my interest. They told me that I have to wait until next year in XXXX to cancel my account otherwise they will forfeit my cash back earning. Given that it 's only XXXX now and I do not want to wait additional 7 months to cancel it. This is a very unfair business practice for customers who have been doing business with them since 2007.
Product: Bank account or service

Dear Sir/Madam, In the event that there is a dispute between myself and Scottrade Bank. What are the dispute resolution procedures? Furthermore, does Scottrade Bank provide assistance to those who are incapable of paying for dispute resolution?
Product: Credit card or prepaid card

I have been doing business with Citi Bank since XX/XX/XXXX when I first opened my credit card account with them with a {$300.00} limit. I have paid my bill on time and have never had any negative infractions while doing business with Citi Bank, account has been in good standings with the company. So I always receive pre-approved credit increase packets in the mail, but every time i apply i'm always turned down for the increase. So i received another pre-approved credit limit increase packet in the mail in XX/XX/XXXX and applied once again only to be turned down. So XX/XX/XXXX I call and speak with someone in the reconsideration phone line at Citi Bank and was told that they found and i have negative items on my credit reports. So me and my son ( which does credit repair ) pulls my credit reports and I do not have any negative items whatsoever on my report. Every item on all 3 of my credit reports are in outstanding status. I have no collections, late payments, bankruptcies, or not one single negative mark on my credit and I have proof that it has been like this for months. I have very high limit cards with my credit union and several other credit card companies. My vehicle loan is in outstanding shape and I have low APR. We are at a loss of words of to why the company I have been doing business with the longest keep generating these fraudulent packets that's being mailed to my address and every time i apply i'm turned down. They can not be looking at my current credit reports cause I have copies and proof in hand. I would like this matter looked into by someone and reconsidered. Because I feel this card is useless to me
Product: Credit card

In XX/XX/year>, Apple and Goldman Sachs, the issuers of the Apple Card, denied my disputes for unauthorized charges totaling {$10000.00}, which were not made by me. Despite providing substantial evidence, including proof of identity fraud, pictures, and a case number, the company refused to accept my claims. 

Adding to the issue, the company allowed charges to exceed my {$2000.00} credit limit, failing to block unauthorized transactions. Now, representatives claim the disputed amount is {$3300.00}, but the inconsistency raises serious concerns. Their actions have not only put me in financial distress but also jeopardized my ability to use my credit card. 

I am requesting the removal of these fraudulent charges from my account, as I have provided sufficient evidence to prove my case. Additionally, I ask that my account be reinstated so I can use my card without being held accountable for the companys failure to prevent unauthorized transactions.
Product: Mortgage

I am a real estate working on a short sale for an XXXX borrower who is currently in a XXXX. I began working on a short sale XX/XX/2016 with Wells Fargo. Throughout the entire process, Wells Fargo has failed to communicate. They have made the process as difficult as possible. For example, it took over a month to get an authorization letter approved because they would n't accept the borrower 's power of attorney from her daughters. She is unable to make financial decisions and care of herself ( hence why she 's in a XXXX ), but Wells Fargo insisted I obtain an authorization letter signed by her. In the mean time, we wasted over a month. Then the file was closed out without anyone being notified even after I repeatedly called and emailed my negotiator. A foreclosure sale date letter was mailed to the home which is vacant ( again, the owner is in a XXXX ). And so neither myself or the owner 's children were notified properly. As it now stands, we have a solid cash buyer with at a fair market value price. There is no reason this short sale should n't be approved ASAP.
Product: Credit reporting or other personal consumer reports

I have filed multiple disputes with the credit bureaus regarding an account that is reporting inaccurate and incomplete information. XXXX deleted the inaccurate account after a proper investigation. Firstly, the account in question was initiated in XX/XX/XXXX, and I paid on time every month. However, the contract for the rental apartment being reported inaccurately shows a start date of XX/XX/XXXX. Evidence supporting this is attached. 

Secondly, the third-party debt collection agency, XXXX XXXX XXXXXXXX XXXX violated my rights under the Fair Debt Collection Practices Act ( FDCPA ) by failing to inform me of my right to dispute the debt. Additionally, the agency provided contradictory balances owed, further violating the FDCPA. 

Furthermore, the data reported by the credit bureaus regarding the terms, monthly payments, account type, payment history, and the status of the account ( open/closed ) are all inaccurate. This account is reporting incorrect, incomplete, and misleading information. Again, evidence is attached. 
1. Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681 ) : Under the FCRA, credit bureaus are required to report accurate information. Any incorrect or incomplete data must be corrected promptly once disputed.

15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable investigation upon receiving a dispute.

2. Fair Debt Collection Practices Act ( FDCPA ) ( 15 U.S.C. 1692 ) : 15 U.S.C. 1692g : Requires debt collectors to provide a validation notice within five days of the initial communication, informing the consumer of their right to dispute the debt within 30 days.

15 U.S.C. 1692e : Prohibits debt collectors from using any false, deceptive, or misleading representation or means in connection with the collection of any debt, including providing inaccurate balances.
Product: Credit card or prepaid card

On Friday XX/XX/XXXX, there were five charges to my Discover card ending in XXXX for {$84.00} each and one charge for {$44.00} totaling just short of {$500.00}. I've had issues previously with younger siblings using my card to buy online content without my consent, so I froze my account. The only time a transaction is supposed to be authorized is if it's a recurring subscription, or, I manually log into my bank and unfreeze it. I contacted Discover, disputed the charges, and was issued a temporary refund that was however reversed when the bank took the side of the merchant since the merchant stating that the charges were valid. The charges were never supposed to be authorized in the first place, that's the reason I froze my account in the first place. Discover informed me that XXXX originally marked the charges as one time normal charges, which they were, but because my account was locked, discover denied the charges, so XXXX fraudulently issued a charge back, a second time, but this time, marking them as recurring subscriptions. I don't have 5 subscriptions from XXXX for {$84.00} each and 1 for {$44.00}. So why would they charge it as a subscription? That's fictitious and highly fraudulent. I tried contacting XXXX for a refund and explaining the situation but they wouldn't even budge, who in their right mind spends {$500.00} on in game purchases, especially in the midst of a pandemic where they can barely even afford to do so because they're out of work.
Product: Checking or savings account

I have existing personal account with the Bank for 20 years and opened a small business account online on XX/XX/2020 by uploading required information including funds transfer from my personal account. On XX/XX/2020 I received a secure message from the Chase Online that I need to upload a business identification document by XX/XX/2020 by responding to their secured message and enclosing the document in that response email. I did respond and enclosed the required document within minutes on XX/XX/2020. On XX/XX/2020, I received a communication via Chase Online system that my account has been blocked and shall be closed soon as I had not provided the requested information. I called the Customer care on the number given in the communication on XX/XX/2020, who advised me to contact another number handled by their Compliance Department. I called the other number and was told to go to a Branch to resolve this as the information sent by me earlier in response to their request on XX/XX/2020 was collected for the documentation purposed only and I should have gone to the Branch to avoid this situation. My complaint pertains to the carelessness and negligence in Bank 's handling of customer concerns and misguidance and unlawful blocking of accounts. The communication from the Bank and my responses are there for review to note that ; ( 1 ) The bank asked to provide information by responding to secured email on XX/XX/2020, which was done on the same day, ( 2 ) The Banks never required me to go to Branch for providing this information as per the request for information on XX/XX/2020, ( 3 ) The customer servicer misguided and refused to help me on XX/XX/2020 by stating that I should have gone to the Branch instead of sending information via secure message on XX/XX/2020 as directed by Bank, ( XXXX ) The Bank had unlawfully blocked my account and is holding my funds in the account.
Product: Debt collection

Credit Control , LLC fraudulently contracted with XXXX XXXX XXXX XXXX by purchasing a debt that has zero association with me, the consumer, XXXX XXXX. I have zero business whatsoever with Credit Control , LLC. Furthermore, the false reports are causing punitive damages to my credit report. XXXX XXXX is in violation of CFPB Consumer laws and is impersonating a creditor. Exhibit A is attached and is to referenced to reflect that violations incurred. I, the consumer XXXX XXXX, have been abused due to harassment and am seeking immediate results in the form of a removal altogether and compensation.