23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shortly after spouse recieved home owners escrow refund check for {$58.00} and deposited without my signature I reported the same to local bank branch and inquired being told it should have been flaged for return however was n't expecting much since previous XXXX insurance check when reported and being forged was n't of much concern. When XXXX handled my case and joint check dispersed as informed her and attorney I 'll hold expecting to appear in court as waited when motion was submitted to court. About : weeks later and contacting lender it was disclosed they sent a check to spouse payable to her only. Refinance hud states out of pocket, escrow deposit and states return of funds whenever loan pay off.currently XXXX XXXX has my case and both representatives so far seemed to do their jobs however previous after recieved refund XXXX was assigned my case and just felt she was n't listening to my arguments. Also no one told me of check payment stop and reins sue in single name. Her attorney sent copy of seperation or initial divorce judgement bed / bored and check was sent. Early in the seperation I had encountered ID theft but still a great credit score. Most recently 4 days ago again with attempted credit card charges and also recoevimg some odd calls. I feel possible my info had been disclosed as result of 3rd party involvement. Asking for documents from payoff but never recoevimg. Since the premature sale of my old home and closure of XXXX 's new home I believe may cause comprise and also asked for letter confirming no loans had been derived or foreclosure issues against me. As per agreement t and violation committed I wanted the protection as never recieved documents and also certainly being the primary borrower would expect require my signature. The biggest tip of fraud docs is scribbled signatures, incomplete information, no consideration paid for, and XXXX transactions the same day. As stated on Saturday XXXX I only arrived home from business and Sunday morning left for XXXX XXXX base having documents as well. Knowing knormally a deed carrying no wArranty and only pertains to the property period upon quote deed my only protection when they refused a trust was to convey upon dissolvement .i feel Wells Fargo wronged me pertaining to escrow refund and previous fraud checks allowed however this also resulted in lots attorneys fees, tax losses, and cuase to settle out of court requiring another $ XXXX to disperse to her. Had this all been done on all parties legally and correctly I would have spent about {$45.00} k less. I think Wells Fargo should obtain funds from fraud Spouse to repay victim or criminally prosecute and persue a tort claim against fraudster attorneys for coaching. Look on there website for articles unethical to post. One attorney tried to tell me it 's ok because it stated no attorney would advise clients to hide funds in preparation of divorce. My answer was that 's 3 words and does n't become ethical to continue 3 more pages along with numerous other article imposing deceitful acts. I would be appreciative as a 20 year customer for help in anyway. Thank you
Product: Student loan

In XX/XX/2021 XXXX submitted an application for Direct Loans Consolidation with studentaid.gov. She selected an income driven repayment plan on the application and selected XXXX XXXX as the servicer. XXXX XXXX noted on the application that XXXX would handle the transfer and then send to XXXX XXXX. In XX/XX/2021 XXXX contacted XXXX to request income documentation and she submitted via certified mail. In XXXX her credit report still showed student loans in default so we contacted XXXX at XXXX and spoke to XXXX and she said she was not sure why it had not come over to XXXX XXXX yet and gave us case number XXXX. Told us to check back. In XXXX we checked her credit report again and found the student loans still in default. So we called again and spoke to XXXX ID # XXXX in Default Resolution Group and he said that XXXX had checked the balance of her loans in XX/XX/2021 and then never sent payment for the consolidation and they have sat there ever since.
Product: Credit card or prepaid card

I have a Citi premier credit card, suddenly i am not able to login to their online portal. since i don't receive any paper statements for my credit card transactions, it is really important to monitor my transactions online. I tried to reach customer service and called 3 times, each time i have to wait for an hour. 3rd time, after waiting for an hour, i am able to talk to customer service representative, but she directed my call to somebody, which i waited for another hour in the queue, nobody answered finally.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint against Capital one reporting an unauthorized hard inquiry on my credit report. i received their response that they sent a request to the credit bureaus to remove that hard inquiry. BUT ACTUALLY Capital one sent a notification to XXXX asking them to remove my Capital One account instead of removing the hard inquiry. i called XXXX   and they referred me to Capital One. Capital One was unable to handle this case, wasted a working full day on phone communications.
Product: Checking or savings account

XX/XX/21 I transferred {$6000.00} from my US Bank account to my personal XXXX Savings account. 

US Bank sent the money and XXXX XXXX denied the funds and returned the funds. US Bank has kept the funds and not returned them to me. 

Us Bank says there's " nothing we can do '' despite the fact that they requested and received multiple refund notifications from XXXX XXXX. 

I just want my money back. I have called Us Bank over 30 times and each representative tells me something different. One says I have to wait while another says they will not refund the money and that I must get it from XXXX. 

XXXX XXXX does NOT have the money, never accepted the money, and provided proof of rejection of the funds. I have a PDF with their official statement as well. 

Attached is XXXXXXXX XXXX XXXX response which US Bank has said they never received ( despite me giving it to them multiple times )
Product: Mortgage

We are writing a letter of complaint against Movement Mortgage , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We were to close on our very first home XX/XX/2023. Three days before closing on XX/XX/2023, we were sent an email stating our closing cost was {$4000.00} more than the original closing cost ( because of an error made by the lender XXXX XXXX ), which you will see below incorporated in this email below including the letter we wrote and sent to everyone who had a part in this process. Also, you will see email correspondences relevant to our complaint. 
Attached you will find : CLOSING COST DOCUMENTS, SALES CONTRACT EXTENSION, SALES CONTRACT CANCELLATION, CHANGED CIRCUMSTANCE LETTER. 
n Wed, XX/XX/2023, XXXX XXXX XXXX XXXX XXXX wrote : To All, Unfortunately we will decline these services of purchasing this hud home and the XXXX renovation loan. This has been by far the worst experience we have ever encountered in conducting business of any kind. I know not your rules but the GOVERNMENT IS TOO PETTY. We continued to push forward to make our dream come true. Every time we give what you ask for it was never enough and when it was enough, XXXX XXXX DROPPED THE BALL ON PROCESSING DEPOSITS ON OUR CLOSING COST DETAILS FORM. SHE INQUIRED ABOUT THE EARNEST MONEY ON A VERBAL PHONE CALL, I DID EXPLAIN THAT OUR EARNEST FUNDS WERE {$2000.00}. SHE COULD NOT FIGURE OUT WHY {$6000.00} WAS SHOWING UP AND NEVER DID HER DUE DILIGENCE AND INVESTIGATE. THEREFORE, MY " CHANGED CIRCUMSTANCE LETTER '' INCLUDED THE " TOTAL CLOSING COSTS DETAILS '' CALCULATED CASH TO CLOSE TO BE {$6500.00}. Again, every time you ask for something we comply. Closing day was attentive to be XX/XX/2023 and we called in all of our markers from colleagues and now have our closing cost. 
THEN WE RECEIVED THIS EMAIL : XX/XX/2023 SEE ATTACHMENT FOR THE REST OF THIS EMAIL IN ITS ENTIRETY.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear CITIZENS AUTO FINANCE ; XXXX ; XXXX ; and XXXX ; These are unfair entries on my credit report. I have been trying to get to the bottom of this account. I got into a car accident in XXXX on my XXXX, and the car was totaled my insurance told me not to worry about it and don't make a payment. I have proof that I still made the payments and your company refunded me over $ XXXX but yet told me that I was late during the month of XXXX and XX/XX/2023. How is that even possible? I believe this negative entry on my credit report is inaccurate because I have a record that my insurance company sent you {$42000.00} and i made a payment of {$3700.00} and other automatic payments of {$1200.00}... This monthly payment always comes out of my account religiously every month non-stop. How can you say that I missed a payment in XXXX and XXXX?
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I do not recognize these inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and Transunion has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I have disputed inaccurate information on my credit report with XXXX, Equifax, and XXXX multiple times, yet the errors persist and remain unaddressed. Despite my efforts to correct the inaccuracies, no appropriate action has been taken. 

Dispute Issues and Violations : Violation 1 Failure to Provide Adequate Documentation ( 15 USC 1681i ( a ) ( 1 ) ) : The credit bureaus have failed to provide sufficient documentation or evidence to validate the disputed information, violating the FCRAs requirement for thorough dispute investigation.

Violation 2 Failure to Correct Inaccurate Reporting ( 15 USC 1681e ( b ) ) : The credit bureaus have not ensured that the information on my credit report is accurate, leaving inaccurate entries that continue to negatively impact my credit profile.

Violation 3 Failure to Remove Outdated Information ( 15 USC 1681c ( a ) ( 5 ) ) : The credit bureaus have failed to remove outdated information from my report, which should have been excluded after the legally required time period.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sending a complaint in response to a notification on my credit report. The file reported is inaccurate and erroneous and is leading to a negative impact on my credit file. The XXXX credit bureaus are required to authenticate this account XXXX XXXX XXXX Balance : {$0.00} Date Opened XX/XX/2019 under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of a fraudulent account on my credit report, which was opened in my name due to identity theft associated with a recent data breach. 
In accordance with my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), I request that this unauthorized account be promptly removed from my credit file. 
Account to be Blocked and Deleted : XXXX  Account Number : XXXX Date Opened : XX/XX/scrub>XXXX  Balance : {$1900.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove all fraudulent inquires as I have no knowledge of any of these inquires due to the breach Identity theft. My information was also impacted by the data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I viewed my credit report on XXXX XXXX. I saw that my XXXX dropped XXXX points. 

EdFinancial/XXXX XXXXXXXX XXXX account decreased by {$83.00} from {$3000.00} to {$2900.00} been XX/XX/XXXX to XX/XX/XXXX This is incorrect. On XX/XX/XXXX I submitted a {$510.00} payment and on XX/XX/XXXX I submitted a payment of {$100.00}. 

My monthly payments are {$50.00} and my recent payment was on XX/XX/XXXX of {$150.00}. Every time I submit a payment pay double or triple of whats due. 

Please view attached documents
Product: Student loan

When I was in school pursuing my XXXX and XXXX degree I had some federal loans with XXXX XXXX ( now Navient ) and started getting calls from them about taking out Tuition Answer loans to cover expenses. I did not know at the time that they were private loans and did not have the same repayment options as federal. As I was finishing my XXXX my husband and I went through XXXX layoffs and ended up having to file Chapter XXXX bankruptcy. Our attorney told us that the student loans would not accrue interest while we were under bankruptcy protection. That turned out to be false. Payments were made to Navient on these loans through the bankruptcy court. We made every payment to the bankruptcy court on time and were successfully discharged XX/XX/2015. I immediately called Navient to try to make repayment arrangements. When I called them I found that because of interest added while we were in bankruptcy our balance on these loans had gone from {$110000.00} to {$240000.00}. Over {$120000.00} was added in interest! They told me the payment would be {$2100.00} per month. I explained that I could not afford that and they offered to enroll me in what they called their rate reduction program. They said that I would be able to pay the loans down faster since I would n't be paying as much interest and they set me up with a payment that was under {$1000.00} per month. That program expired after a year so I called back and asked if I could continue in that program. They told me I did not qualify and had no other options but to make the full {$2100.00} per month payment or they would begin enforcement action against me. Since then I have been working XXXX full time jobs to try to make these payments and am quickly running out of options. 
When they told me I could not continue in their rate reduction plan I started keeping track of everything on a spreadsheet which I can send to you. When the rate reduction plan ended XX/XX/XXXX my balance was {$240000.00}. After making the full payment of {$2100.00} my balance actually went up to {$240000.00}. For the following two months after making the full payment my balance was reduced by less than {$300.00}. I called Navient and asked them why my balance was going up even though I was making full payments. They told me that all of the interest I 'saved ' while being in their rate reduction program was put back on my balance. They did not tell me that would happen when they put me on that program. XX/XX/XXXX my balance did decrease by {$1100.00} but XX/XX/XXXX it increased by {$580.00}. No one at Navient can give me an explanation as to why this is happening. We are much worse off financially now than we were before filing bankruptcy solely because of these loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX ... FST FINANCIA  ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Credit card or prepaid card

In the last month I have had {$80.00} +/- I have been trying to pout to use .... 
I have access to that money ( MY MONEY ) for LESS than two days total over the last month. It has been tied up PRIMARILY by my bank American Express Bluebird. Though two other entities have contributed. 
A refund from a merchant took OVER 3 days to get returned BACK into my account ... ..... 
I FEEL this PRACTICE is unacceptable, the AMERICAN CONSUMER NEEDS PROTECTION FROM FINANCIAL PREDATORS!!!! 

Just last week I ATTEMPTED to make a purchase, the merchant rejected it ... ...... 
my bank American Express Bluebird IS CURRENTLY HOLDING THIS MONEY ( MY MONEY!!!!!!! ) FOR EIGHT DAYS ... ... ....

CUSTOMER SERVICE WILL NO LONGER ANSWER MY CALLS PROTESTING THIS BEHAVIOR!!!!!!! the AMERICAN CONSUMER NEEDS PROTECTION FROM FINANCIAL PREDATORS!!!!
Product: Debt collection

XXXX XXXX XXXX PORTFOLIO RECOVERY Amount : {$1500.00} Opened : {$1500.00} Re : Fraud/ Aggravated Identity theft I am aware that my SSN belongs to the Social Security Administration and anything purchased with that identifying number is an obligation of the United States in accordance with 18 U.S.C 8 and being that you PORTFOLIO RECOVERY is attempting to collect a debt from I, the consumer makes you guilty and in violation of the False Claims Act 31 U.S.C 3729-3733. PORTFOLIO RECOVERY is also in violation of 18 U.S.C 894 for using my consumer report with extortionate means as a way to coerce and swindle me into making payments on alleged debt not owed. I DID NOT AND DO NOT CONSENT to you PORTFOLIO RECOVERY is furnishing this information to my consumer report. I did not give you authorization or permission to have my personal identifying information, which you have obtained by aggravated identity theft in accordance with 18 U.S.C 1028A. 
This is a notice to CEASE and DESIST of all illegal activities, including reporting which constitutes collection activities. This is also a NOTICE exercising my rights to prevent the processing of my personal data by PORTFOLIO RECOVERY for the accounts opened. 
Failure to remove account in 15 days from my consumer report as requested will result in legal matters being taken and me turning you PORTFOLIO RECOVERY into the Federal Trade Commission for aggravated identity theft and Fraud. If this matter is not resolved by the time specified above, I reserve the right to commence legal proceedings to recover the damages without further notice to you and this letter may be tendered as evidence of failure to comply. 
Warm Regards, XXXX XXXX UCC1-308 Without Prejudice All Natural Rights Reserved
Product: Credit card or prepaid card

I rented a vehicle ( XXXXl ) from XXXX XXXX XXXXXXXX XXXX XXXX ( located at XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ) on XX/XX/XXXX using the self check in method online. The amount of the charge is mostly based on the amount of miles driven. I returned the vehicle the same day after driving it about XXXX miles. The merchant, XXXX XXXX XXXX XXXX XXXX, did not check the miles until the next day, XX/XX/XXXX at XXXX XXXX, and claimed that I drove the vehicle XXXX miles. They charged me {$400.00} instead of {$120.00}. They overcharged me by {$270.00}. They charged me more than three times what they should have. They sent a " contract '' that does not contain my signature with this {$400.00} amount via email on XX/XX/XXXX at XXXX XXXX. 

I immediately disputed the purchase amount with my credit card company, Capital One. They did a credit adjustment for the disputed amount of {$270.00} on XX/XX/XXXX since this amount was in dispute. Capital One said that they would contact the merchant for further information. 

However, on XX/XX/XXXX, Capital One charged the {$270.00} back to my credit card account. I called them on XX/XX/XXXX asking why did this. They claimed that I needed to provide more evidence. On XX/XX/XXXX, I faxed them documentation including documentation from my XXXX Timeline that showed where I was on XX/XX/XXXX and a receipt from XXXX XXXX ( a grocery store located at XXXX XXXX XXXX XXXX, XXXX , DC XXXX ) from XX/XX/XXXX at XXXX XXXX  showing that I was not at the XXXX XXXX XXXX XXXX XXXX at the time that they checked the truck 's miles on XX/XX/XXXX. I also sent the email in which XXXX XXXX sent me the receipt. 

When I called Capital One on XX/XX/XXXX, they confirmed that they received the documents. I further explained my case. They refused to credit the disputed amount from the credit card account saying that it is " part of the process '' and that I should hear back from them within the next 7 to 10 business days, which would be after the credit card due date of XX/XX/XXXX.