23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Home depot credit cards based on ( Citi ) is advertising 6, 12 months and 18 months financing and promotional- no intrest to deceive people. I paid card due on time but after that promotional period, Some balance was left. On month of XXXX XXXX I was charged {$650.00} on interest. I was shocked to see that. Based on the information I was told promotion is intrest free and interest accure after promotion end for balance left. 
XXXX in Home Depot informed us what type of promotional offer was it. So, I called homedepot credit and told the promotion is decieving. They are unwilling to help.
Product: Credit card

On XX/XX/year> approximately XXXXXXXX XXXX. I put in a call to Synchrony in regards to a late fee on my credit card account. I informed the employee that I had a {$40.00} late fee on my bill and according to the CFPB late fees are no longer supposed to be more than {$8.00} as of XXXX of 2024. She placed me on a brief hold to look into it and came back to tell me that my late fee would be {$40.00}. I said alright, I will just report you all to the CFPB.
Product: Credit card

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, 180 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit card

My account with Walmart was purchased by another company and I paid the account to that company and Walmart has not contacted the Credit Bureaus to state that this account is paid. I would like this information updated asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to Fair Credit Reporting Act, the following accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602 A, states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2, states a consumer reporting agency can not furnish an account without my written instructions. 
15 USC 1681 Section 604 ( A ) ( 5 ) states no consumer reporting agency XXXX 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 XXXX years. 
15 USC 1681-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer or to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please remove this account from my credit report XXXX XXXX  XXXX..The account is saying I am paying it late which is completely false..I wrote a letter to the credit bureaus asking them for help in order to fix the account but I did not get a response..Please step up CFPB and fix the account
Product: Debt collection

I have an unverified account from CHOICE RECOVERY. I had previously disputed this account. I have never done business with CHOICE RECOVERY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that CHOICE RECOVERY Provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CHOICE RECOVERY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Mortgage

I have written, called Flagstar Bank , FSB regarding my status as a XXXX veteran and its refusal after multiple contacts by myself to stop escrowing property taxes that my city/state has granted me an exemption from. 

Our local tax authority here in XXXX XXXX meets several times per year to review documents received from the XXXX veteran proving his or her qualification for this benefit. Apparently in early 2018 I either missed a submission of this proof or it was lost somewhere before reaching the board. It has since been approved. 

I am including copies of documents received from XXXX XXXX indicating I am exempt from these taxes and they should stop escrowing for them. The improper escrowing of property tax I do not owe is costing me approximately {$350.00} more PER MONTH, I would like them to return my house payments to the amount we budgeted for when we signed the documents for the mortgage which was {$1000.00}. 

I provided documentation to Flagstar Bank on XX/XX/2018 as requested to enable them to do a new escrow analysis, and I have not received one as of yet. The last escrow analysis was run on XX/XX/2018 2018
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey whats going on I recieved a reposnse from you saying i was '' listed as someone you dont recognize as a customer '' if I am not your customer then why would you put misleading information on my credit report. I have been sending you complaint but it seems you'd rather lost money than investigate my complaint
Product: Checking or savings account

I have been a Union Bank personal and multiple business account customer for about 25 years. 

I normally make our two separate monthly mortgage payments on our two separate properties via Union Bank 's automatic online bill payment program from our personal checking account. Because we were refinancing both of those loans by entering into new mortgage loans, no XXXX mortgage payments were due. 

So on XX/XX/XXXX I went to the Union Bank online bill payment program to delete both of those " old '' automatic mortgage loan payments that would otherwise be made on XX/XX/XXXX. However, when I tried to do so, I found that they showed to be " In Process '' and I therefore could not delete them. 

On XX/XX/XXXX I contacted Union Bank customer service by phone. Initially, I was assured that they would just stop those payment checks from being sent out since they were still " In Process ''. But after spending almost three hours on the phone, I was told that they actually could not stop the checks from being mailed out. Instead, they would stop payment on both checks, assuring me that those checks ABSOLUTELY COULD NOT BE CASHED AND WOULD NOT BE PAID. I then told the agent that I wanted to receive confirmation of that IN WRITING. Although they tried to avoid doing so, they finally agreed. 

On XX/XX/XXXX I received an email from another individual at Union Bank confirming that the stop payment orders had been issued on both checks, and that " these items are unable to be cashed ''. 

On XX/XX/XXXX, despite assurances to the contrary, Union Bank PAID BOTH CHECKS BY WITHDRAWING NEARLY {$3500.00} FROM MY ACCOUNT WITHOUT MY AUTHORIZATION, AND WITH MY SPECIFIC INSTRUCTIONS TO NOT DO SO. 

I immediately contacted customer service again and accomplished nothing. I then contacted the branch manager who tried to get things resolved, but was only able to escalate the case to the " Office of the President ''. It is now XX/XX/XXXX, I have spoken to a person from the " Office of the President '' myself, and STILL nothing has been accomplished and they still have not credited the funds back to my account.

In my opinion, Union Bank has STOLEN {$3500.00} from my account, AND I WANT MY MONEY BACK IMMEDIATELY!!! Further, they should be criminally prosecuted for their theft of funds from my account.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX XXXXXXXX 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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I refreshed my credit report today and noticed this account is not accurate and complete 15 USC 1681e ( b ) in accordance with the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedure to assure maximum possible accuracy of information concerning the individual about whom the report relates. This account XXXX XXXX # XXXX is not accurate or complete the reporting of false information pertaining to the bankruptcy date/month/status have been illegally changed. Ive sent Experian several letters asking them to make sure everything is complete and accurate heres my tracking number XXXX. Experian reply of investigation back says everything is complete, accurate, and updated but if you check my attachments everything is not from the years-payment history of reporting this account in Bankruptcy. 15 USC 1681i 5 ( a ) ( i ) ( ii ) Treatment of Inaccurate or unverifiable information. 15 USC 1681s-2 ( A ) a person shall not furnish any information relating to any credit reporting agency if the person knows or has reasonable cause to believe that the information is not accurate. 15 USC 1681c failure to remove all included discharged debt in Bankruptcy legally supposed to be deleted after debt has been discharged in bankruptcy it should be removed from the consumer report failure to do so in a reasonable amount of time is a violation of the Fair Credit Reporting Act / Experian 2024 reporting inaccuracy
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted my bank, XXXX, starting in XX/XX/2018, on several occasions to resolve the problem of my home mortgage credit history not being reflected on my Transunion and XXXX credit reports. It's only shown on my XXXX report. The bank did confirm that they do, in fact, report monthly to not only those 3 bureaus, but to XXXX as well. XXXX asked me to complete an " Authorization to update credit reporting. '' After calling Transunion on at least 3 occasions, the issue is still unresolved. I've also called XXXX on a couple occasions and have been on hold for literally over an hour on one occasion, and again for apx 40 minutes on another without ever speaking to a rep.
Product: Credit card or prepaid card

Chase prepaid cards The owner o two prepaid Chase c redit cards passed away in  XXXX   XXXX .   The trustee of the estate ( me ) received two letters mailed to the card owner, dated  XXXX   XXXX ,  XXXX  and received  XXXX   XXXX ,  XXXX  stating that the balance on the cards would be transferred to the state of California as " abandoned '' if there was no response prior to  XXXX   XXXX ,  XXXX .     I contacted Chase by phone on  XXXX   XXXX ,  XXXX , on  XXXX   XXXX ,  XXXX  and again on  XXXX   XXXX ,  XXXX . I was advised I had to fax several legal documents to a specific phone number, and to expect response within  16 busin ess hours. Documents were faxed on  XXXX   XXXX ,  XXXX , again on  XXXX   XXXX ,  XXXX  and then twice on  XXXX   XXXX ,  XXXX . Followup emails were sent on  XXXX   XXXX ,  XXXX  and  XXXX   XXXX ,  XXXX .     There has been no response.     Each of the  four phone calls took over two hours and involved numerous transfers and conversations with six or more individuals. At times I was provided with false information ( a c allback number which did not provide option to speak to a person and an employee identification number that did not exist ).     I have been advised that the only way to contact the appropriate department is by fax, mail, or email. On  XXXX   XXXX , I was told that no faxes have been received, even though I have sent   three times to the phone number provided by customer service. It would be irresponsible social security numbers and other sensitive information via non-secure email. And I was advised on the first phone call that the mail method was not reliable, and might take too long for this situation.
I have now spent over eight hours on the phone and spoken to 26 or 25 different people, and I am still being told all I can do is send the required documents again and wait. I have been   told there is nobody I can speak to who can find out how to resolve the situation.     As yet, I still have not received responses to faxes or emails, and it seems lik  e Chase is doing their best to make it impossible to retrieve the prepaid funds from these cards. Chase is providing no alternative other than to repeat the same steps that have failed to work three times, and customer service representatives say there is nothing more that can be done.
This money does not belong to Chase - these were prepaid cards! It is shameful that they make it impossible to retrieve funds that they have not right to withhold.       Please assist in resolving this issue. Thank you sincerely.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion are in violation of the Fair Credit Reporting Act 15 U.S.C 1681
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit report, incorrect information is being reported to my personal credit file. The Experian and XXXX Credit Reporting Agency has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i, and continues to report unverified information without providing any proof required by law. Experian and XXXX have failed to properly identify and provide within the necessary time allowed by law any verifiable proof. The following information is inaccurate & I never authorized my credit to be accessed. They have failed to provide me with written authorization or remove these inquiries from my credit file. 
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
Product: Mortgage

Rocket Mortgage continues to have inefficient processes for determining the upcoming escrow dues to payable parties such as the tax collector. I received a notice of tax dues from my property appraiser 's office with XXXX potential sums, none of which add up to the total sent by Rocket Mortgage to my tax collector 's office ( they sent {$2300.00} on XX/XX/22 ). The highest amount owed to the tax collector would have been {$2100.00} ( see attachment ) -- a net difference of - {$190.00}. 

This is not the first time in which I have had to lodge a complaint against Rocket Mortgage and their inadequate escrow calculation processes. When a servicer fails to properly manage an escrow account, it creates an undue burden on the consumer. Not only do I need to take time and effort to remedy this, but an upcoming escrow analysis will clearly put me into the negatives, thereby grossly increasing my escrow payments due to the servicer each month. I believe this is an unfair practice that the client can not reasonably avoid and am citing XXXX as precedent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name : XXXX XXXX XXXX Amount - XXXX Opened - XXXX Account Name - XXXX XXXX XXXX Amount XXXX Opened - XXXX both accounts no proof have been provided. 
15 U.S.C 1681 Section 604 A Section 2 It also states a consumer reporting agency can not furnish account without my instructions!

15 USC 1681 Section 602 A States I have the right to privacy! please help
Product: Credit reporting, credit repair services, or other personal consumer reports

I continuously received bill in the mail that I was sent to collections. I wondered for months what in the world these bills were for. I knew I always paid all my bills and opened accounts on time. I decided to finally get a copy of my credit report to make sure all my accounts were in order. I got my report back and I was furious with the amount of items on my report that I know do not belong to me. Please remove these items off my credit report. 

XXXX XXXX  XXXX {$9900.00}
Product: Debt collection

To Whom It May Concern, I am writing **again** about Ally Financials illegal business practices, as they contacted me again about a debt that they claim XXXX XXXX XXXX owes them. I originally opened a complaint on XX/XX/XXXX. You can find details from the original complaint by using the following CFPB File # XXXX. There you will see that I reported that the company contacted me and illegally disclosed Mr. XXXX 's debt and demanded not to be contacted by the company again. Ms. XXXX XXXX responded that she did not believe the company disclosed a debt but did state " we have taken the steps required to place a Do Not Call on the phone number ending in XXXX. No additional calls should be made to this number. '' Nevertheless, I received an additional call on XX/XX/XXXX, again requesting that I contact them about Mr. XXXX. 

I have kept the message sent to me through a fake phone number, XXXX, and contacted them today about **AGAIN** violating the FDCPA. The caller 's name was XXXX XXXX, or something like that, and her extension is XXXX. XXXX requested that I call her back at XXXX. I recorded the conversation just as their recorded message says the company does when someone calls back. The recorded message also VERY CLEARLY discloses the fact that they are trying to reach Mr. XXXX about a debt, as the message say they are recording the conversation for that purpose. In the recorded conversation, I notified another speaker who took the call for XXXX that they violated the FDCPA by contacting me AGAIN after I demanded no more calls and Ms. XXXX stated very clearly in the original correspondence that I would not receive any further. 

This is too much. The FDCPA has been violated and the company must be held accountable for their predatory practices. I do not owe them a debt and have requested that they stop contacting me, which they have not done. Instead, I have been harassed again about something that has nothing to do with me, and the constant harassment is deleterious to my health and well-being. This is **unacceptable. **
Product: Checking or savings account

I am filing a formal complaint against PayPal regarding the abrupt limitation of my account access and the withholding of my funds for almost XXXX years. The situation regarding my account restriction and the unjust withholding of my funds has caused significant financial hardship and emotional distress. 

Since XX/XX/2020, PayPal has limited my account access with the promise of releasing the funds after a XXXX period. However, the funds were never released, no explanation was provided, and it was only after over XXXX years had passed that XXXX from PayPal XXXX XXXX XXXX XXXX XXXX XXXX and XXXX informed me that PayPal believed the funds were potentially fraudulent. This claim is false, as the funds in question were for unemployment benefits in Massachusetts, and I have provided all necessary documentation to prove my legal eligibility for the funds. Despite this, XXXX later stated in an email that PayPal was unable to disclose the specifics of their decision due to regulatory requirements, continuing to withhold my funds without justification. 

All documentation, including the letter from PayPalXXXX, as well as the letters from XXXX XXXXXXXX concerning my eligibility for the funds are attached to this complaint for your review. 

It is essential to note that my primary objective is to retrieve my funds from the FDIC insured bank account I had with PayPal and not to restore my PayPal account in any capacity. I have no interest in utilizing their services in the future, and I am willing to concede account limitations if it means accessing what rightfully belongs to me. As per my interactions with the state of Massachusetts, I have been deemed eligible for the funds in question and have not violated any laws or received any notice from a government agency regarding fraudulent activity or violations of eligibility requirements for unemployment benefits. 

In light of these ongoing difficulties and the significant impact this situation has had on my financial stability, I urge the Consumer Financial Protection Bureau to investigate this matter thoroughly and take appropriate action to ensure the release of my funds from PayPal 's possession. It is crucial to hold PayPal accountable for their unjust actions and to uphold consumer rights in situations where financial institutions overstep their boundaries. 

Thank you for your attention to this matter, and I look forward to a prompt resolution to this ongoing issue.
Product: Money transfer, virtual currency, or money service

Commencing on or around XX/XX/, I fell victim to multi-layered scam operation run by XXXX XXXX which involved me making deposits for a total amount of XXXX USD from my CEX.io account to fraudulent investment firm ( s ).
Product: Student loan

First, I will start with my issues regarding the Department of Education. 
In XXXXXXXX XXXX XXXX  my student loans were forced into forbearance because I was on the SAVE repayment plan, which was blocked by a judge during this time. I have not been able to make any payments since. By XXXX XXXX XXXX I had completed XXXX of XXXX payments qualifying me for XXXX XXXX XXXX XXXX. I contacted the Department of XXXX numerous times to see if there was anything I could do to get out of the forbearance and pay for two more months so I could apply for loan forgiveness. For a few months I was told there was nothing I could do. Then, I was told by a customer service agent that I could submit a " Reconsideration Request '' that would allow me to " buy back '' my final two months worth of payments. I did this on XX/XX/XXXX, as I was then at my 120 months of payments. I have not received a response since. I have tried multiple times to contact someone at the Department of Ed who knows what's going on with my request. I was told I needed to wait 45 business days from when I submitted the request. It has now been 81 days, with generous holiday allowances considered. Whenever I speak with someone through the online chat at the department of Ed, they tell me they don't have access to this information. I have received XXXX correspondence when I try to submit a complaint. The last person I chatted with told me I should try to contact my other loan servicer because the Dept of Ed might be waiting on information from them, which leads me to : XXXX : I called them twice and waited on hold for XXXX hours the first time, and 5 hours the second time, and no one ever answered the phone. On XX/XX/XXXX, I submitted a complaint via email and was told I would receive a response, but I have not. 
I am trying to do all I can to simply get my last two months of student loans paid for so I can finally apply for XXXX XXXX XXXX XXXX, and no one can be bothered to help me.
Product: Debt collection

Company calls me on behalf of XXXX express many times. Indites a completely different person who owes THEM a debt, not me. They have my information since I have the same name as the person who owes them. They are giving me personal information for the person who owes them and asks me to connect them to the person. I've yelled at them and asked them to stop immediately! I just received another call  XX/XX/2020 XXXX This is against the law! I should not know about this other person 's financial situation this company continues to call me over and over again.
Product: Credit card

State Farm has failed to send me a bill for the amount owed in XXXX 2015 and now Im late and being charged a XXXX late fee. This is n't the XXXX time this has happened.