23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX we closed escrow on our home with Cash Call Mortgage/Impac Mortgage. We funded our escrow account with {$310.00} for homeowners insurance. XXXX sent a bill for homeowners insurance to cash call for {$940.00}. On XX/XX/XXXX Cash Call paid {$1000.00} to XXXX for our homeowners insurance. 

Cash Call sold our loan servicing to XXXX XXXX XXXX in XX/XX/XXXX. We received an escrow activity report from Cash Call on XX/XX/XXXX stating that {$1000.00} was paid for homeowners insurance and leaving a transfer balance of {$770.00}. 

On our XX/XX/XXXX mortgage bill from XXXX XXXX XXXX was a {$99.00} charge for escrow. When we inquired about this charge we were told by XXXX XXXX XXXX that Cash Call stated that they were owed {$1000.00} on the account. 

As a side note. In our purchase there are 9 parcels of land. Cash Call paid property tax of {$99.00} and {$77.00} on 2 of the parcels on XX/XX/XXXX. This does not show up in their escrow activity report from XX/XX/XXXX. 

We contacted XXXX XXXX Loans about paying our property tax for all 9 parcels. They said they were only aware of 2 parcels and would only pay those. At that time we chose to close our escrow account with them and pay our taxes and insurance ourselves. 


When talking with XXXX XXXX XXXX they said we had to contact Cash Call Mortgage. When we contacted Cash Call Mortgage on XX/XX/XXXX they said XXXX XXXX XXXX has to resolve it. 

In summary, our questions are : 1 ) If our homeowners bill was {$940.00} why was {$1000.00} paid? 
2 ) Why is Cash Call saying 4 months after they sold our loan that we owe them money? 
3 ) Why didn't XXXX XXXX XXXX notify us of this claim by Cash Call and add it to our bill? 
4 ) Why can't either of these companies tell us what it is for?
Product: Debt collection

My 2nd invoice with a new business I own was not allowed to process by XXXX for {$80000.00} due to the size of the transaction. XXXX has sense claimed I owe payment processing charges for the {$80000.00}. I have proof that this amount was never paid to me and therefore no payment processing fees would have be incurred. This incident happened on XX/XX/22. The company in question is XXXX XXXX XXXX XXXX. XXXX has filed the collection against the business name of XXXX XXXX. I own no businesses by this name and have no clue who this is. The charges XXXX is trying to impose is wrong and immoral.
Product: Checking or savings account

This is not a duplicate complaint. I am writing to submit documentation that was requested by SoFi that confirms that the deposits from XXXX are recurring direct deposit from my then-employer. Such documentation was initially requested by SoFi when I asked for the {$300.00} account opening bonus to be honored. However, I had been unable to retrieve said documentation because I left the company. Now in the tax season, I am finally able to obtain it as part of my tax records. 

XX/XX/year> XXXX {$1400.00} XX/XX/year> XXXX {$470.00} XX/XX/year> XXXX {$3400.00} XX/XX/year> XXXX {$150.00} XX/XX/year> XXXX {$1400.00} This would qualify me for {$300.00} opening bonus.
Product: Credit reporting or other personal consumer reports

I was notified by XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> that a credit report inquiry was requested from the following companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OneMain - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> I have called all places to notify them to cancel all ongoing applications in my name. I have frozen all three credit bureaus and actively disputing these hard inquiries.
Product: Prepaid card

I was issued a prepaid debit card. I realized it had expired on XX/XX/24 and called to get a card reissued per the text on the back of the card which stated that a card reissue fee of {$12.00} is applicable. They said that because it had expired the funds were forfeited and the card could not be reissued. The card had a balance of {$970.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, which you claimed were verified. Since I believed you didnt properly investigate my dispute, I contact the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. Your records show that it was incorrect. Since your investigation was done improperly, I need you to update the following accounts from my file. 
XXXX XXXX XXXX Balance : {$250.00}XXXX XXXX XXXXXXXX XXXX Balance : {$650.00}, XXXX XXXX XXXXXXXX Balance : {$18000.00}
Product: Mortgage

In XX/XX/2021, I contacted Freedom Mortgage in regards to a refinance offer I received via email. The loan officer on the phone took some information from me to start an application. I never got his name and did not hear from him for over a week. 

On XX/XX/2021 I called Freedom Mortgage again and received XXXX XXXX on the line. He said he could help me and proceed with the application. I believe he took ownership of my loan application at that time because I received a letter in the mail stating that I had withdrawn my loan application. I explained to XXXX XXXX that I did not want to proceed with the application if I could not use cryptocurrency as proof of funds should the underwriter require them. XXXX XXXX said it would be no problem and it " should be fine. '' Since XXXX I have not been able to get XXXX XXXX on the phone to discuss my loan application. Communication has been one sided where XXXX XXXX emails me generated emails to sign loan documents with no phone call or follow up on what he is sending or why. 

After several attempts of calling and emailing him I started calling the XXXX number for Freedom Mortgage. Still ... I could never get in touch with XXXX XXXX only random people who work the customer service line. 

Today, XX/XX/2021 I received a call from a woman named XXXX from underwriting stating that they can not accept cryptocurrency at all as a proof of reserves. That I would need to liquidate those funds into my bank account and provide a bank statement as proof of funds. I stated to XXXX that I had told XXXX XXXX from the very beginning that I did not want to proceed with the application if my cryptocurrency would not be acceptable as I did not want to ding my credit and waste time in the application process. 

It has taken near XXXX XXXX XXXX months to get a response from an underwriter who told me cryptocurrency isn't accepted AT ALL by Freedom Mortgage. As a loan officer, XXXX XXXX should be fully aware of this before binding clients into applications process that harm their credit long term. This is completely unacceptable.
Product: Checking or savings account

I am writing to inform you all I am filing a complaint against Truist Banks cash reserve, a line of credit of up to {$750.00} offered based on qualifying direct deposits in checking and/or saving accounts. After my call on XXXX XXXX of XXXX, I was unable to resolve bringing my first monthly payment down to the {$190.00} from {$330.00} after explaining that a previous supervisor, who I spoke with on XXXX XXXX  of XXXX, and the terms and conditions failed to properly inform me that if I took a cash advance in the midst of an active advance, charges would be applied on the dude date from both advances. I reached out right after I took the advance ( XX/XX/XXXX ) and after the statement posted ( XX/XX/XXXX ) with no clear resolution. The terms and conditions also state that I can write a letter to Truist if I believe my statement balance is wrong and I will be sending a letter by XXXX XXXX which is five days before my payment is due & when a letter must be received for automatic payments to stop. I also, according to the terms and conditions, must report this error no later than sixty days after the error appeared and writing a letter by this date falls in that timeframe.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of fierce wrongdoing. I'm not accountable for these accounts. I have no knowledge of it, no legal obligation for it, and no information as to its origin. I did not receive any money, goods, or services as a result of the identity theft. These accounts do not belong to me. I never applied to these companies. Plus, the continuous activity is weird. I believe someone stole my identity and opened these accounts without my permission or authority. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) that alleges an identity theft ; ) B ) that is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States Postal Inspection Service, or such other government agency deemed appropriate by the Bureau ; and ( C ) the filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) The following report included this language but Equifax is neglecting to process it to the letter of the law. Please see they are held accountable for as this is impacting my life in emotionally, physical & financially... and I would truly not what to pursue a legal remedy... I'd like these removed immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I been told it was rewards card which i didn't know it will affect my credit. I answer no when they asked but the employee sounded forced me to apply which i didn't know something like this would happen to my credit report. Basically i wasn't informed of the application being for a credit card and didn't consent to the application.
Product: Student loan

Between XXXX and XXXX I needed loans for two private schools I had attended. Sallie Mae offered me loans, telling me they had plenty of deferment and repayment options. A few years went by in which I was in school. Little did I know that while I was in school interest continued to accrue the entire time. I was worried about passing my classes and didnt have any mail or logins to access that information. For the past few years ( XXXX ) have repeatedly asked for income driven repayment or to pause payment for being unemployed or other reasons for a month or two. Every time I am told that forbearance is the only option possible. I pay the minimum and my loans go up or stay the same because of interest. On my credit report, sallie Mae has reported that they are current but 0 % paid off even though Ive been paying them almost {$1000.00} per month for many months. I was laid off in early XX/XX/XXXX and have struggled to make the payments for the last few months, pulling from my life savings. I just asked for the umpteenth time on XX/XX/XXXX if I could either do income driven repayment, if I could push this months loan payment to the end of the loan, or literally any option so that it doesnt hit my credit. I was told multiple times that forbearance is the ONLY option. This is in a written chat transcript I have. My loan payment is due on the XXXX of the month, and I can not pay it and have a place to live. This is greatly affecting my credit as well as my quality of life since I cant afford the loan payments and rent and everything else. Im making decent money and barely scraping by. 
Sallie Mae literally just says forbearance or I will get constant daily harassing phone calls until I pay. My co-signers have also had their credit affected and get the same calls constantly. Ive asked about removing my co-signers as well since I had been able to make about a dozen on time payments. They told me I could not do that, it wasnt an option. This has caused a lot of tension and problems between me and my co-signers.it has hit my credit a few times as well a few years ago which dropped my score drastically. Please let me know what I can do and where to go from here. Thank you.
Product: Mortgage

We have a home loan with Caliber home loans. There are multiple issues that we have had with them. 
Since at least XXXX XXXX XXXX, we have been trying to fo through the process of refinancing our house. During covid ( XXXX ) we ended up having to go on a forbearance for just a couple months ( even made small payments ). We signed the paperwork and sent it back, was told everything was done and granted. Well, then in XXXX we wanted to refinance. Caliber kept telling us that our account hasn't been updated to reflect anything. We kept getting the same response every week ( " we are working on it and should be updated next week. " ). To this day, XXXX, XXXX, XXXX, our account is still messed up and not updated!!! The whole reason we are refinancing is because we can not afford our payments ( that got raised right after we signed papaerwork ) paperwork. Since they have stalled on everything, we lost the opportunity for a good rate, and now our refinance ( because we do not want to be associated with Caliber any longer due to no help at all from them ), we are in hold because they haven't updated our account with our forbearance. It has been a YEAR since that forbearance!!! Why is this not taken care of like we were told??? How are they able to get away with stuff like this??? No one wants to talk to us about anything. We get transferred, told the same things over and over, and NOTHING IS GETTING DONE. They are the worst mortgage company I have ever dealt with. And I worked with a foreclosure company! What can we do to get the to stop screwing us?!?! Like I said... we have been dealing with this for a year!
Product: Credit card or prepaid card

Truist bank and credit card servicer On XX/XX/23 there were 3 suspicious charges to my credit card- that I received a text about and immediately reported them as fraud. I received a letter verifying my claim a few days later stating that I would not be responsible and the charges would be removed as well as any fees and interest. One of the charges remained and I have called weekly asking why. They stated still investigating and not responsible for charges. 

I have now been reported to credit agency as 30 day causing an almost XXXX point drop from XXXX XXXX to low XXXX. 

Any to reiterate the ONLY charge on this card is the reported fraudulent one that is now accruing late fees and interest ( that I have been told several times I am not responsible for ). 

I have called them weekly for resolution. I have logged over XXXX hours on the phone and have been promised call backs which I have never received. 

This is the worst banking experience and handling of an obvious fraudulent charge in my XXXX  years and dealing with over 10 banks.
Product: Mortgage

i've had a HELOC account with Bank of America since XXXX. On XXXX. XXXX, XXXX I wrote a check from this HELOC account to the IRS in the amount of {$100000.00}. On XX/XX/XXXX - I received Form 2287 ( Check Payment Not Accepted by Bank ) from the IRS : " The bank did not accept the enclosed check/payment because : No ACCOUNT ''. 

When I called Bank of America, the explanation for the check not being accepted was because the account number from my HELOC account was changed due to a system upgrade in XXXX. Bank of America sent me the system upgrade disclosure letter sent to consumers holding HELOC accounts- the letter has no disclosure to order new checks nor is there any disclosure that the old checks will not be accepted. 

I subsequently paid the IRS the original tax amount of {$100000.00} and an additional {$6400.00} in penalties and interest. 

After
Product: Mortgage

Mortgage company asking a ridiculously higher payoff than house was sold for
Product: Credit card or prepaid card

Aspire is charging me interests on a disputed amount and is reporting me to the credite bureau because I refuse to pay the exorbitant amount
Product: Debt collection

They report two collections account on my credit report Validate the accounts or delete them
Product: Debt or credit management

I requested on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX a letter from National Debt Relief, LLC stating XXXX things : the date of enrollment, my standing, and authorization to obtain a home loan. This is required by every type of lender when working with clients in a debt relief program. I've also been informed that this can be done. Then, On XX/XX/XXXX I was told that National Debt Relief will not do this. Mortgage guidelines state : Conventional, FHA and VA guidelines : It is okay to be in credit counseling and get a home loan if : You are at least 12 months into the plan ; Youve made all required payments in full and on time ; and You have written permission from the counseling agency. However, National Debt Relief, LLC refuses to do this despite the fact that I have been enrolled in the program since XX/XX/XXXX and have made every payment on time. I feel that being denied my request is wrong as I have done everything that is required.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX XXXXXXXX {$690.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX {$280.00} XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$230.00} XX/XX/XXXX XXXX XXXXXXXX - XX/XX/XXXX has violated my right. ( I was not even a XXXX  of the United States of America at the time the account was opened. I am a XXXX  XXXX. 
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 an account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

The mortgage company is in default it been over 60 days and they have not responded. The have my home up for foreclosure
Product: Debt collection

I call requested documents ask them to stop calling my phone and job and also family members
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous items. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

XXXX XXXX XXXX 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: Debt collection

XX/XX/2021Balance : {$7700.00} Discounted amount : {$1100.00} Payment due by : XXXX Account # XXXX Company claims I will be getting sued. This isnt even on my credit report. Ive disputed this off of my credit report and it came off years ago.
Product: Credit reporting or other personal consumer reports

XXXX continues to report incorrect loan balances to the credit bureaus. I have been calling for months trying to track down where the discrepancy is. They have not been reporting to one of the credit companies since XXXX of 2024! And the information that is listed is incorrect. My total balance is still showing OVER double the actual amount COMING TO A TOTALNOF XXXX. I have been rejected for home loans because without actual proof from XXXX amd the credit bureaus, they are utilizing the fraudulent information listed. XXXX and Equifax are not being reported to correctly. These corporations are stifling the growth of the XXXX people and essentially robbing them of any opportunity to create better lives for themselves. They need to be held at a higher regard as a federal operating entity. FIX YOUR SYSTEM!!! I have been doing my die diligence, why are they not doing theirs?
Product: Credit reporting, credit repair services, or other personal consumer reports

I, the consumer, Have reached out to LexisNexis several times to resolve this matter. The First attempt was by phone on XX/XX/2021 and the second was by certified mail that they received on XX/XX/2021. They have yet to remove the the fraudulent information that they are reporting on my consumer report. Pursuant to 18 U.S CODE 1028 ( a ) ( 1 ) and 18 U.S CODE 1028 ( a ) ( 2 ), they are knowing and willing, without lawful authority or my permission, have produced and transferred my person information which constitutes as IDENTITY THEFT.

Pursuant to 15 U.S. CODE 1681 ( a ) ( 1 ), I ( the consumer ) have a right to PRIVACY, and you must respect it.

Pursuant to U.S CODE 1681b ( a ) ( 2 ), You must have my WRITTEN PERMISSION to furnish any information on my consumer report. I NEVER gave permission for any informat0ion to be furnished. There is no such thing as public records when it pertains to a consumer. Any information obtained about myself without my permission constitutes as FRAUD.
Product: Credit card or prepaid card

I had booked flights from American Express travel. The flights were from XXXX, but XXXX XXXX cancelled the leg XXXX. Trip ID : XXXX I have paid for the ticket from XXXX. So I reached out to Amex and customer rep asked me to do a local booking from XXXX and Amex would reach out to XXXX XXXX and refund the amount. There was no followup or resolution to this. 

I reached out again for the same issue and I have received a ticket with # : XXXX Amex rep reached out again and said issue will be resolved after the trip is complete. 

I reached out again for the same issue after the travel is complete and I have recieved a ticket with # : XXXX I was told they would reach out to me in 2 weeks with resolution and no one did. 

I reached out again today for the same issue and the status of the earlier ticket, and the rep said the ticket was resolved. But I did not confirm nor did I receive any compensation. and I created a new ticket with # : XXXX The whole process is running for 4 months and no resolution is in sight. American express customer process looks like a scam and it makes consumer running around for resolution. I have Platinum membership where they advertise trip protection insurance but nothing is insured and the consumer is made to run through hoops.
Product: Credit reporting, credit repair services, or other personal consumer reports

This bank ( Synchrony ) first decreased my credit line limit for no reason despite making payment on time and never missing any payment, and reported to the credit bureaus which significantly lower my credit score. After a few months, they closed my account without further notice and reported to credit bureaus which also lower my credit score. A week ago, they reported false information about my account including outstanding balance and delinquency. The balance on my account was paid in full before they closed it. This bank really hurt my credit report so badly and with the last falls information reported, my credit report went down by more than 150 points. Its unfair for me to try so hard on building a credit score to be in a better financial situation and this bank ruin the work Ive been doing for so long.