23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX applied and approved for va refinance XX/XX/XXXX called broker ( XXXX XXXX ) we paid up front {$920.00} for a Va Appraisal and the {$920.00} is included in the loan..he said he would take care of it XX/XX/XXXX notary brought loan documents XXXX to be completed to close on XX/XX/XXXX ... we questioned the ALTA settlement statement as the {$920.00} for the appraisal was included in the charges ... also many pages had blank spaces, which the notary said the loan officer or escrow officer fills in later? Also the settlement statement says due to the buyer $ XXXX..closing disclosure shows to buyer {$3400.00} ... we actually received {$5600.00} ... ..those figures are no where on our loan papers. 
XXXX called and emailed broker questioning the settlement statement ... he responded to the email that he was gone for the day, and he would check out the figures tomorrow XX/XX/XXXX recent email as we had no response XX/XX/XXXX still no response called and left message and again resent the email XX/XX/XXXX sent email asking for our copy of signed loan documents to see how the blanks were filled in XX/XX/XXXX received email response telling us we were definitely getting the {$930.00} appraisal money back..and he was going to refer to his boss to check over the loan papers XX/XX/XXXX received copy of loan docs ... no blanks filled in ... no signatures on it Called and left voicemail XX/XX/XXXX received email with picture of a check for {$920.00} XX/XX/XXXX called for update on his bosses research ... As we felt the {$920.00} was in the loan cost and calculated to add to loan amount ..., we wanted it corrected and loan payment refigured ... .he told me that the hassle of doing that to save a few dollars was not worth it ... we told him {$920.00} was worth it to us.it would lower the total cost of the loan by nearly $ 1000..then he told me he was so done with this and he would have his boss call me XX/XX/XXXX sent and email to broker XXXX XXXX, telling him we had not received a call and did he really forward to his boss He responded with Yes I referred to my boss. The {$920.00} was refunded to you I responded what about correcting the loan items that were included in the total amount financed ( ieloan appraisal ). Your boss never contacted me..may I please have your bosses name, email and number His response This was a cash out loan. The {$920.00} was coming back to you regardless because it was erroneously included in the loan amount making your cash amount {$920.00} less than what it should have been. That is why {$920.00} was refunded. The loan amount was never changed in order to include. The {$920.00}, so that why the loan amount will not be changed. 
Everything is finalized and was done correctly ... .ERRONEOUSLY!!! 
He never did give me his bosses name email or number..dosent erroneously mean incorrectly
Product: Credit card or prepaid card

Several weeks ago called for assistance with my Paypal credit card to have the available points applied as a credit against my account. I was told that this had to be completed online. 

Today, updated my account login information and attempted to redeem points. I had two chat sessions while logged in ( see attachments ) attempting to complete this process online. We were unsuccessful. The instructions by the second chat agent makes sense ; however, the field called " redeem '' is not available. When I requested HOW to do this since the redeem option is not there, she disconnected the chat. 

I then proceeded to have four conversations with " customer service '' associates where were unable to help. The last of these conversations I believe was a Synchony Bank Agent. They referred to the " redeem '' feature again- which is not on my login screen. They were then going to transfer me for the fifth time. At this point, it's been two hours getting the run around while attempting to accomplish something that should be easy and everyday. 

Will you please help me in getting my point applied against my accoun? My points are XXXX as shown on the attached statement. I pay a very high interest rate ( my own fault as I'm over the balance ) but Paypal not being willing to perform such a simple request seems unfair to the consumer. If they are not going to honor their committment, they should not offer them. They expect me to pay 31 % interest ; I expect them to give me my credits. 

My desire is to now cancel this card but I would like to wait until the points are applied so they don't just disappear. 

Thank you for recording this complaint. May it protect other cardholders in the future.
Product: Mortgage

I did a refinance ( existing BoA mortgage ) with Bank of America in XX/XX/XXXX. 
XXXX agreed to was {$850.00} monthly in XXXX XXXX 
One of the Bank of America associates assisted me in setting up automatic payments. 
Part of the loan proceeds were used for wind mitigation work on the house. 
XXXX XXXX accepted the inspection report and issued a partial refund in XX/XX/XXXX. 
I contacted Bank of America and they moved {$890.00} from my checking to Escrow.

The refund was for the balance of the year, a 6-month period ending XX/XX/XXXX. 
I sent BoA a revised lower insurance premium Declarations Page from XXXX XXXX. 
I received an email from BoA stating my mortgage payment is now {$5.00} HIGHER. 
If I did not tell Bank of America, per their associate, my payment would not have changed. 

I need some assistance. I do not understand, and Bank of America has not offered a clear explanation, how the insurance can go down and an advance payment made to escrow can have a NEGATIVE effect on the monthly payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX have failed to respond to my written disputes within 30 days per FCRA 611 ( A ) ( 1 ). There is an inaccurate bankruptcy type and docket dates reporting on my credit reporting. I have written Standardized 605 ( B ) affidavits of truth of facts and FTC report because my social security number is also reporting incomplete which does not comply with the Fair Credit Reporting Act 609 ( a ) ( 1 ), by not  reporting my social security number entirely which is not reporting 100 % accurate information as required by FCRA 609 ( which is why the bankruptcy has been removed from XXXX XXXX and XXXX ).

FCRA 609 ( a ) ( 1 ) ( a ) requires XXXX and TransUnion to provide ALL INFORMATION on my credit file per my request clearly and accurately. Neither has provided me with the method of verification in which they used to verify this inaccurate reporting as Section 611 ( a ) ( 6 ) and ( 7 ) providing me with the name of the courthouse, persons name they verified the dispute with, address, telephone number, and DOCUMENTATION USED TO VERIFY THE DISPUTE. 
So I disputed with the furnishers name and address listed on my credit report under the furnisher rule 660.4 ( e ) with the bankruptcy court listed and the courthouse responded on companys letter head that neither TransUnion or XXXX  has contacted it and that is did not report or provide this information to no credit bureaus. Responsibilities of Furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] requires complete and accurate information to be reported.
Product: Credit reporting or other personal consumer reports

This is my third time disputing these inquiries. I have called to only be left on hold each for hours at a time. Plus I have sent XXXX letters out with no response back. First and foremost a am a real human and don't have time for the games. 
Fraudulent accounts where applied for in my name listed below - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am requesting A copy with my signature in agreement with all terms and charges related to the inquires on my credit report. IF YOU CAN NOT PRODUCE THESE DOCUMENTS delete the stated inquries and addresses immediately!! 
ALSO Delete these addresses because they are related to fraudulent Activity. 
- XXXX XXXX XXXX XXXX, NC XXXX - XXXX XXXX XXXX XXXX, NC XXXX
Product: Mortgage

my mortgage payments are {$2800.00} plus i pay an extra {$150.00} Principal payment so a total of {$3000.00} monthly. I have it set up with automatic payments. XX/XX/2020 Sierra Pacific started to automatically withdraw more then the agreed amount. XXXX- {$9300.00}, XXXX- {$8000.00}, XXXX- {$8000.00}. When we looked into it we seen that they had started paying taxes on our property, which we were also paying. It turned out there was unpaid taxes from the year we bought the house that the title company had taking money to pay but did not. And then they started putting money into escrow for taxes and paying taxes a month before they were even due. the taxes that we had paid that they tried to pay were returned to them by XXXX. altough they are not showing this online in the escrow account. Also the took out an insurance policy on our property over double what we pay even though proof of policy was sent to them directly from the insurance company. I never received letters or a phone call that they were going to take more money/pay taxes or take out an insurance policy.I tried to contact them by phone but it took weeks before i could even speak with someone. when we did get to speak with someone, I 1-asked for proof that I had given them permisson to withdraw more the the agreed mortgage monthly amount 2-we pay our own taxes so to stop what they were doing in regards taxes and refund the money they had taking into escrow. 3- refund the money they had taking for the insurance policy.we started emailing XX/XX/XXXX with the 3 issues. We got letters in the mail stating they received our inquiry and they would make every effort to provide a response within the time limit required by law. they have only emailed back and answer on the insurance ( 4 times we emailed all the evidence of proof of insurance ) saying they received and allow 10 days for a reply. this has been going 6 weeks and not one issue is sorted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently went through a divorce and I recently pulled my credit report through a website called XXXX. I saw a handful of accounts on my credit report without my knowledge. I am a victim of XXXX XXXX. I contacted XXXX, equifax and XXXX regarding these accounts and I was told to get an FTC report. I have also called these companies where the fraud happen and they could not verify my information. I have attached the FTC report below along with my driver 's license.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inquiries that are not mines.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ANY MORE.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX  XXXX XXXX XXXX, NJ XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXX XXXX XXXX, NY XXXX, XXXX XXXXXXXX XXXX Date Opened : XX/XX/2015 Balance : {$27000.00}, and XXXX XXXX Date Opened : XX/XX/2015 Balance : {$8100.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit card

I had a refund of a purchase ( {$1200.00} ) I made from the XXXX XXXX occur on XX/XX/XXXX for an accidental renewal that occurred on XX/XX/XXXX. The vendor, XXXX XXXX, was extremely communicative and understanding and issued the refund. After a sometime of not receiving funds I contacted the vendor and they provided proof of financial return. I contacted Citibank Card and opened a dispute on XX/XX/XXXX for not receiving funds and provided information to them. They responded in XX/XX/XXXX stating I am responsible for the purchase, even though the refund was initiated from XXXX XXXX. I reopened a dispute and provided further details to Citibank Card on XX/XX/XXXX. They responded on XX/XX/XXXX stating that I am responsible for funds with no further explanation. I am writing this for aid in a complaint against Citibank Card for gross negligence, mishandling, and misappropriation of my money. I have reached out multiple times to Citibank Card. I have also had amazing, transparent commination with XXXX XXXX and they have stated that the funds are also out of their account and they confirmed with their bank that the refund went through on their end. I have exhausted all attempts on my end and I am now pursuing this avenue.
Product: Credit reporting, credit repair services, or other personal consumer reports

If after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall -- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation. 

XXXX account # : XXXX Many discrepancies in the report including last payment dates, date last active, different credit bureaus reporting different payment status, late payments. Don't recall ever paying late on this account. 

XXXX account # : XXXX in the amount of {$6400.00} Many discrepancies in the report including last payment dates completely different, date last active completely different, account status shows paid on Experian but Derogatory of two others, different credit bureaus reporting different payment status ( Charge off or unknown ). 

XXXX account # : XXXX in the amount of {$4400.00} Two accounts with the same account number but different amounts. Are these duplicate accounts? If so, I want them both deleted. Many discrepancies in the report including last payment dates completely different, date last active completely different, the two year payment history is different in all XXXX bureaus, high credit amount is reported differently. 

XXXX Account # : XXXX Many discrepancies in the report including date of last payment, date last active, reporting as different account types, date opened different, last reporting dates are different, and all 3 bureaus are reporting different two year payment history.
Product: Checking or savings account

My previous complaint was closed and without resolution..and today, the same issue occurred. I played phone tag for days with a BofA rep who shared that a letter would be sent, which I never received. Today, the same thing happened, they withdrew money from my account bringing my account to {$100.00}. vs. setting up a payment plan that would not cause this to happen. Don't they pride themselves on customer service? Perhaps they need a lesson in what service looks like. They continue to be fraudulent and predatory in their business dealings and consumers continue to be taken advantage of by these banks without available recourse. It's unacceptable and the CFPB needs to PROTECT consumers vs. letting the banks " consumer complaints '' department give us a bunch of XXXX and then continue to do what they did that caused the complaint in the first place.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I sent a letter to the credit bureaus asking for them to perform a proper investigation of accounts on my credit report. The credit bureaus stated that the following account/accounts was/were properly investigated, but how is that possible if there are still obvious reporting errors on my credit report? I will upload copies of my credit report with the errors marked for evidence as well. Regardless, this behavior is grounds for removal. The accounts in question are as follows : 1. Account Name : XXXX XXXX Account Number : XXXX 2. Account Name : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX 3. Account Name : XXXX XXXX XXXX Account Number : XXXX 4. Account Name : XXXX XXXX XXXX XXXX  Account Number : XXXX 5. Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX BANK XXXXXXXX XXXX XXXX ) Account Number : XXXX 7. Account Name : XXXX XXXX XXXX  ( Original Creditor : XXXX BANK ) Account Number : XXXX 8. Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) Account Number : XXXX In addition, they have also they violated my rights under 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish a account without my written instructions. 

I haven't given these accounts written permission to furnish these accounts on my credit report.
Product: Credit reporting or other personal consumer reports

I notified the consumer reporting agency with multiple letters they have not fixed or removed these items from my report. I am writing to have you remove them immediately. experian and transunion company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES :. IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include. Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete these late payments from my consumer report, this agency is in violation of 15 USC 1681. XXXX XXXX XXXX XXXX XXXX XXXXL XXXX, XXXX
Product: Student loan

I was forced to take their loan ..threatened to garnish my wages if I did n't pay
Product: Student loan

I never received a letter or billing statement indicating my loan due date. I logged in and saw an amount to which I can not afford. I request income driven repayment electronically XX/XX/XXXX and have received no response. I called the phone number on the servicer website and entered call back queue. I never received a call back. I have done this 3 times with no call back received. I was denied forbearance electronically and submitted deferment. The servicer is not cooperating with any of my requests nor are they answering the phone.
Product: Mortgage

I received a letter dated XX/XX/XXXX that stated I would be receiving a surplus check, a photocopy of said check was included in with the letter for the amount of {$1100.00}. The letter stated it would take a few weeks after receiving the letter to receive the check. I waited, but we never received said check. I called XX/XX/XXXX inquiring and was informed that they never sent the check and they don't know what happened, but they'll request to resend the check. I never received a check so I decided to call back, I called back and was informed that the request was cancelled and they don't know what happened to the funds. The request was then escalated to investigate where the funds are. I was told that it seems the funds moved around from a lot of different departments and they needed to pin point exactly where they were. I hadn't heard back so I called back again on on XX/XX/XXXX and was then again told they'd escalate the request and scheduled for me to receive a call back on XX/XX/XXXX, however I did not receive a call. I called again on XX/XX/XXXX and was informed that they were still tracking where the funds were located and that there was someone in specific looking into it, but that person could not talk to me and was unavailable, but they would escalate it to their supervisor, this time they said they didn't want to say they'd call me back because of the history of no one calling me back and that I should call back to follow up. I called back on XX/XX/XXXX and they still don't know where they funds are at and in speaking with the representative it seems as though she had to put in a whole new request to investigate the matter, but she escalated it to the supervisor. There is no reason it should take this long to find out where my money is being held if there is a designated escrow department who is suppose have account of all funds received. I am frustrated and disappointed in this company who seems to have no sense of urgency in the matter. Thus, through this entire time I've continually paid my mortgage on time, had I not paid my mortgage I'm sure I would have received dozens of calls regards such. I just want to know where my money is and why are my funds being mishandled.
Product: Checking or savings account

On XX/XX/XXXX a company that I thought was a computer repair company hacked my computer. They withdrew all my money from my checking and savings. I have lost {$8000.00} which is everything I had because I was gullible and believed they were there to help me. The companies name was XXXX