23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello. My name is XXXX XXXX and I recently refinanced my home with Prospect Financial. I dealt with a loan officer by the name of XXXX XXXX. I had a mortgage with XXXX XXXX and my interest rate was XXXX. XXXX XXXX persuaded me that by refinancing with Prospect Financial, I would decrease my mortgage payment. I did continue with the refinance and advised her that I wanted to continue with an escrow account, as I had with XXXX   XXXX. She assured me that I would have the escrow account included in my mortgage statement. When I was signing the loan documents, I noticed that the escrow account was not included in the final mortgage monthly payments. I advised XXXX XXXX of the discrepancy and she assured me that all I had to do was contact my new loan company and they would fix the problem. 

When I contacted XXXX XXXX  XXXX, they advised me that creating an escrow account was not as easy as she had led me to believe. When it was all said and done, my new mortgage payment was well over my original payment with XXXX XXXX. I paid over {$14000.00} to Prospect Financial in order to get a XXXX interest rate, that I already had, so I can pay {$40.00} a month less on my mortgage. 

I feel that I was misled and that this loan was not beneficial, nor in my best interest, to acquire.
Product: Credit reporting, credit repair services, or other personal consumer reports

The collection agency has re-aged this account according to the original creditors date of first delinquency. I disputed 2 accounts with XXXX XXXX XXXX regarding the balances of {$700.00} and {$1300.00} which was successfully deleted on XX/XX/2018. The 2 accounts reappeared under a new collection agency Eastern Revenue Inc. with a new date of XX/XX/2018 being the start of the collection. Currently I disputed and currently Im waiting for a response but I know its against the law to re-age an account to look newer than what it actually is. The original creditor is XXXX XXXX XXXX.
Product: Mortgage

I was told that my loan interest through The XXXX XXXX was approved for 3.375 % using United Wholesale Mortgage and would close 3 to 4 days after signing. I signed the loan documents on XX/XX/2020. Several days later my loan was frozen and reworked with a higher interest rate of 3.875 %. The loan agent said she would make up the difference by sending me a cashiers check for {$1100.00} to make up the difference. 
I believe this was a bait and switch scheme
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX  has been still had truck in XXXX. We have not seen in over year. He missed couple payments because his brakes was going out a week after they put in shop. He almost wrecked. He called them they would not do anything about it. Plus while at XXXX XXXX XXXX his brake boost was stolen. They did not put back. They mechanic hands him a much cheaper one because he refused to put in. We had to sign nda and was told it would not be on our credit since they had refuse to fix at least four times. We tried calling. XXXX didn't care. My husband almost wrecked because of it. I thought it was illegal to sell a lemon? Also we was told it was auction off. We never received anything from them about anything. Because after nda we was told it would not go on our credit. Now I am wondering what I am supposed to do? Someone really needs to investigate a them. Cause next time someone might die for their carelessness. I hope you listen and can help. They have did nothing but lie. They have had truck over year. I don't understand why they are trying to say we had this year.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two accounts that are reporting on my credit file that do not belong to me. I don't even know who's accounts they are. There is one with XXXX XXXX Card services and a XXXX XXXX. They are showing me as an authorized user but I don't know who these belong to. There is also a credit inquire that is reporting on XXXX  with a place called XXXX and I never applied for anything with that company. Someone opened an account in my name and that was resolved however they never removed the actual inquire.
Product: Money transfer, virtual currency, or money service

I had money in my tether account bought from US dollars that was stolen from a scam. The website is XXXX and I have seen a lot of other people were scammed also by them. They took {$120000.00} out of my coinbase wallet and now are demanding that I pay capital gains taxes upfront of {$56000.00} to get my money back. I have everything paper trailed, filed a police report, a complaint to the fbi, notified tether and coinbase asking them to freeze the wallet addresses of those who stole from me. I haven't gotten anywhere. Please help there are many more of us.
Product: Credit card or prepaid card

Hello. I was furloughed earlier this year due to Covid-19. Before I had a chance to reached out to Bank of America regarding a deferral on my Visa card, my account went over the credit limit by {$67.00} for 3 days ( on XX/XX/20 ). The overage amount was not due to a purchase but rather to {$100.00} in finance charges being applied to the account on XX/XX/20. Even before applying for a covid-19 deferral, I quickly brought the account under the credit limit on XX/XX/20 by paying the monthly payment due. I subsequently applied for, and was granted, a covid-19 deferral, which I truly appreciate. It was my understanding, however, that credit card companies were going to extend certain credit reporting courtesies during this time of crisis, including not reporting consumers as over the credit limit if this occurred. This event has negatively impacted my credit score and I would greatly appreciate it if Bank of America would remove reference to the account going over the credit limit from my credit report in light of the circumstances.
Product: Mortgage

I had a fire claim for which XXXX XXXX issued drafts in four ( 4 ) different payments jointly to myself and the residential mortgage company, Paramount. Paramount received these checks on the following dates : ( 1 ) XX/XX/XXXX for {$12000.00} ( 2 ) XX/XX/XXXX for {$56000.00} ( 3 ) XX/XX/XXXX for {$950.00} ( 4 ) XX/XX/XXXX for {$1100.00} According to XXXX 's company policy, they are to disburse as follows : For checks less than {$10000.00}, ie. for checks ( 3 ) and ( 4 ), they are to endorse the checks and send them to me within five ( 5 ) business days. For checks over {$10000.00} but less than {$20000.00}, ie. for check ( 1 ), they are to disburse 90 % payable to me within five ( 5 ) business days with the remaining 10 % released upon an inspection showing 100 % complete. For checks over {$40000.00}, ie. for check ( 2 ), they are to disburse an amount of {$40000.00} or 10 % of my unpaid principal balance, less 10 % holdback for final inspection, whichever is greater, jointly issued to me and my licensed contractor within five ( 5 ) business days. 
To date, the only disbursements I have received are related to check ( 1 ) : I received an amount of {$4200.00} on XX/XX/XXXX and a subsequent amount of {$7200.00} on XX/XX/XXXX, leaving a balance of {$1200.00} remaining. For the other checks ( 2 ), ( 3 ), and ( 4 ), I have received nothing. 
Confirmed by Paramount, they are in receipt of all required documentation, including a 75 % inspection report dated XX/XX/XXXX and a 100 % inspection report dated XX/XX/XXXX, in addition to a lien release by my licensed contractor, for which I also have copies. 
Here are the issues to date : ( A ) Paramount is not releasing any funds, is not in communication ( not returning phone calls or emails ), and is not in compliance with policy for disbursement. We are currently owed {$60000.00}. 
( B ) Paramount applied checks ( 2 ) and ( 3 ) to a different account ... They claim this has since been corrected, but I have still not received any disbursements from these checks. 
( C ) Paramount mistakenly sent me a check for a unknown insured party ... for which they have still not sent a return mailing label. 
( D ) Paramount 's latest email communication of today XX/XX/XXXX states that their latest inspection report is for only 50 % completion, yet I received copies from the inspection company on XX/XX/XXXX confirming 75 % and on XX/XX/XXXX confirming 100 % completion.
Product: Debt collection

Did not send letter notifying about the debt nor did they give me an option to dispute prior to reporting to credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the fair credit reporting act convergent, XXXX XXXX XXXX, XXXX XXXX XXXX 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 without my written instructions
Product: Payday loan, title loan, personal loan, or advance loan

In XXXX of this year I took out a title loan for the amount of {$5100.00}. Loan Mart XXXX XXXX XXXX bank had me sign my title over and send it to them by ups. They said that the interest was 25 %. After paying for the last XXXX months I found out tile loans are not Legal here and they advertise that they are allowed. I was under the assumption that this XXXX  year loan would be like another title loan I had in another state many years ago. If I paid the monthly payment at the end of the XXXX  years I would get my title back. While looking at my account the interest rate for the first payment was 119 % and it drops a little bit each month and the last payment interest rate would be 84.99 %. In XXXX months I have paid {$3000.00} and my balance now is {$5000.00}. After adding up all the payments I will have paid {$16000.00} in interest plus what ever the balance of the loan is. This predatory company had prayed on me and I can't afford to pay {$16000.00} just to interest on a {$5100.00} loan. They never disclosed to me that I would be only paying interest for 3 years and only a small amount of the payment would come off. Title loans are illegal in Michigan and this company is preying on people like me in Michigan.
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX XXXX Date of inquiry : XXXX/2023 - XXXX || Date of inquiry : XXXX/2023 - XXXX || Date of inquiry : XXXX/2023 - XXXX || Date of inquiry : XXXX/2023
Product: Credit card or prepaid card

On XX/XX/22 I received 3 messages from Bank of America that all three of my credit cards with them were drained completely when someone processed direct deposit cash advances simultaneously to XXXX XXXX XXXX XXXX around XXXX XXXX to an account ending in XXXX. I called Bank of America that afternoon as soon as I checked my email and they proceeded to do a fraud investigation. The investigation of the credit card ending in XXXX had concluded that my device was used in making the transaction. The only way I make online purchases is via my laptop. XXXX XXXX XXXX XXXX XXXXXXXX which is an hour away when this happened. I start working at XXXX XXXX  at XXXX XXXX. I do not even have an online account with Bank of America but someone must have set up an account in my name to have access to all three of my credit cards. Bank of America should have suspected something was fraudulent when all three credit cards were not only totally drained simultaneously but also there were three requests for increase credit limits but only one was granted. Thankfully no more money was obtained from that. Bank of America gave me no information about the bank the money was transferred to or what happened to the money. I have a bank here locally in XXXX and would have taken money out of that bank and not have to pay fees in doing so. They did not give any evidence as how they determined it was performed on my device. The account ending in XXXX had {$3200.00} withdrawn, the account ending in XXXX had {$5800.00} withdrawn, and the account ending in XXXX had {$9500.00} withdrawn. With all the fees over {$20000.00} is at stake. I should not be held responsible for any of this as I did not perform the transaction. I live alone and no one has access to my laptop and my credit cards were always in my possession and no one is ever allowed to use them. You can check my credit history and see I NEVER made any cash advances. I always pay the balance of my bill in total every month to avoid interest charges. I feel Bank of America was negligent in allowing this transaction to go through and allowing a credit increase without notifying me. The claim number for the concluded investigation is XXXX. I don't know the status of the other two credit cards but expect a similar conclusion as this crime happened at the same time in the same circumstances.
Product: Debt collection

Recently a collection agency has attempted to collect a debt from XXXX  that wasn't mine for the amount of {$1300.00}. the debt was later discharged and affidavit and police report was given to that last collection agency that this debt was sold to by XXXX and was resolved so i thought. I now received notice from another collection agency ICSystems Acct # XXXX for the same debt and amount. this account was file as a identity theft claim. report was made regarding my identity with the Federal Trade Commission report # XXXX and police reports was made with my local police department for victim deceptive practices. XXXX is threatening my financial future as well as IC Systems. to attempt to collect a debt twice regardless of the fact reports was made for identity theft is unfair and breaks multiple rule according to The Fair Credit Reporting Act.
Product: Debt collection

The payroll person at my work called me Friday, XXXX XXXX XXXX stating that a company called XXXX XXXX has called hounding them at my job for a wage garnishment that I supposedly authorized. I did not and would never authorize a garnishment from my employer. The payroll clerk has said they have called multiple times.
Product: Credit card

I had a Barclays Bank Credit card which was charged off. The account is one of the only dbad items on my credit report so I took a closer look at it. On all my credit reports there are some differences in the way the account is reported. I have disputed this account with all XXXX credit bureaus and Barclays has verified all the information is correct. How can it all be correct when I can see some differences on the report? 
I was particularly interested in the last payments of the account. If they are wrong about my payments then maybe this account is affecting my credit when it should not. I called Barclays Bank at XXXX ( the number on my credit report ) and referenced my account with them on XXXX/XXXX/2016. I told the customer service representative that I was checking on this account and wanted to see what their record stated as far as the last payment made. She told me that she had no records of the payments and placed me on hold. 
She came back on the phone and told me she did n't have any payment records and I needed to contact XXXX XXXX XXXX about the account and they would surely have my payment information. I contacted XXXX XXXX XXXX ( I presume a debt collector ) at XXXX and the gentleman verified again who I was and could not find my account or my payment information. He suggested I contact Barclays. 
I called XXXX and I explained what happened and she suggested I dispute the account. She even did it for me. And on XXXX XXXX, 2016 the account was again validated by Barclays Bank. Even though as far as I know, they no longer have my account information or at least any of my payment information - the important stuff.
Product: Money transfer, virtual currency, or money service

I am filing a compliant against Cash App XXXX Block Inc ) there has been inadequate customer service, wrongful, and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ). More importantly, Cash App has been unsuccessful and failed to effectively take time and effective measures to prevent and address fraudulent activities on their platform, leaving my account vulnerable and unsecured. Furthermore, their dispute resolution process has been unfair and untrustworthy appearing deceptive. As theyve failed to comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These failed and unsuccessful acts upon Cash App ( Block Inc ) has caused a major and significant inconvenience and financial loss and Im seeking appropriate redress for the encountered violations
Product: Debt collection

XX/XX/2023 Bank of America sent a letter stating i owe a debt that has not been verified correctly and has not issued a judgement on me and still hasnt verified that debt that is owed to them in the amount of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with XX/XX/XXXX long story short is my account is closed but XXXX  give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem
Product: Debt collection

Credence Resource Manage no date shown on credit report for the amount of {$500.00} dollars.
Product: Credit card or prepaid card

I submit a dispute with Citibank credit card under the claim number XXXX. 
I sent all the documents that the bank requested, because the seller never provided the merchandise... 
The bank closed the case without any reason revoking the provisional credit given.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wife and I paid off our loan with XXXX XXXX in XX/XX/XXXX they have not reported since XX/XX/XXXX and they have not showed the pay off of the vehicle it is now the end of XX/XX/XXXX I have contacted them three times last 60 days they give me the runaround and said they are having computer problems since XXXX it was a {$31000.00} loan that was paid off on time and I had a schedule but with them not reporting anything It looks like I still all that money
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/20 fraud occuried on my account with XXXX  XXXX and XXXX   hard pull inquries. I never applied for either. I didn't authorize anyone to do so on my behalf. I will show you guys a picture. I just want my stuff to be accurate I'm gon na change log ins and different things so this doesn't happen ever again. I'm hoping you guys have an understanding. If anyone walked into these banks it wasn't me I didn't sign anything or do anything online with XXXX XXXX or XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. 

The month that is in violation is XX/XX/21
Product: Student loan

I made 2 separate payments to aidvantage to start paying my loan back and both payments keep getting reversed. They told me that I need to reach out to my bank because they cant find my account which is incorrect and my bank states there is nothing wrong with my account and that all of my other payments for other bills dont have an issue so its something on their ( aidvantage ) end. I contacted aidvantage again and they keep saying that they are unable to locate my account?
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/23 XXXX XXXX XXXX and I made an agreement to settle a collection of {$1400.00} paid in full and removed from my credit report for {$1100.00}. I was promised that a letter would be sent to me stated those details. The collection agency reported that I only paid XXXX which has still left a balance of {$340.00} on my credit report. They also stated that I would receive a letter in ten days after the payment was approved. It is now XX/XX/23 ( 16 days ) and I did not receive the letter stating that this debt is resolved in full and would be deleted from my credit report. 

Under an investigation to XXXX and Transunion and XXXX. All companies are refusing to remove the existing amount in full from my credit report even after showing them the noted ( Conversation ) I have with XXXXXXXX XXXX XXXX
Product: Credit reporting

Consumer reporting agency reported negative information that is more than seven years old. Which is against my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX and Transunion credit reporting agency ( CRA ) is reporting inaccurate information on the listed account below. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) is not complying with federal law in regards to identity theft. Additionally, the credit reporting agency has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( XXXX XXXX XXXX XXXX )