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

XXXX 's store credit card owned by XXXX XXXX increased late free from XXXX dollars to XXXX dollars without appropriate notification.
Product: Credit card

I always pay on time, but XXXX not sure why this company is showing late payments for some months. According to USC 1666b, billing errors must be fixed and updated to reflect timely payment.
Product: Credit card

In XX/XX/XXXX, I made an online purchase of male enhancement pills to help me regain strength. I received that order, but never received a receipt from that company XXXX. I made the purchase through my citicard that ended in XXXX. Citicard offered me a rewards card to replace the XXXX card in XX/XX/XXXX which I accepted. That card number ended in XXXX. I never received a statement from CitiCard showing that anything was was purchased or transferred. I had selected autopay for that card to be withdrawn from my XXXX XXXX XXXX account, here in XXXX In mid XX/XX/XXXX as I checked my account with my XXXX XXXX XXXX, I saw that over {$300.00} had been withdrawn from that account. The fraudulent charge of {$290.00} from XXXX was transferred from the old XXXX card without my knowledge. I contacted CitiCard to find out why they withdrew that money without my knowledge. At that time they sent me a statement that showed the fraudulent charge was transferred from my account.. I also learned at that time, that Citicard was preparing to withdraw another fraudulent charge of {$270.00} from my XXXX XXXX XXXX account in XXXX of XXXX. I told them that it was fraudulent and they removed it from my statement after a couple weeks. I cancelled that card ending in XXXX and received a new one ending in XXXX. I submitted written information and called their fraud division numerous times and spoke with many people, only to find out that they did nothing to recover my {$290.00} They mistakenly reduced the {$290.00} to {$260.00}, but said that they would do nothing to recover my loss because I did not have a receipt. XXXX did not send a receipt. 
After filing a complaint with BBB, only to find out that numerous people had fallen victim to that same company and that BBB could do nothing because that company was not a member. 
When I received my card from Citicard, their published information stated that they safeguarded cardholders from fraudulent charges, but they failed to do that, even though numerous complaints had been filed against that company. They passed the charge through and should have some verification of that charge, although the asked me for a receipt that was never sent to me.
Product: Credit reporting or other personal consumer reports

i see a recent fraudulent inquiry added in my report. Kindly remove it as soon as possible. Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Received a collection letter from company collecting for  XXXX   XXXX . The  XXXX  account has been in a complex situation since my original account was split into. Also, I have not been contacted by  XXXX   XXXX  via postal mail, email, nor telephone, since the previous complaint,  XXXX , which was referred back to  XXXX   XXXX . This account has had issues in regards to the bill getting higher each month. Also, there was never a final bill for the account in question, listing the reasoning behind their charges. There was only a bill with the inflated amount. I am also continuing to receive a bill for the account in question.
Product: Mortgage

Due to coronavirus, my family has been struggling to pay for our mortgage. We applied for COVID 19 forebearance assistance with lender SN SERVICING CORPORATION. They did not approve us for assistance. This is ridiculous. 

They made us fill out an application and fax documents to prove our hardship. No other lender does this in America. Yes, we were behind in XXXX, but the lack of work due to lockdowns in Illinois, only furthered our ability to pay. 

Instead of helping us, they denied us, and now I am stuck with many, many late charges and unpaid balance.
Product: Mortgage

I retired and PurchaSE MY HOME for my Primary Retirement living. I have been living in my home as of XX/XX/XXXX. MY MORTGAGE CARRIER WAS AMERICAS SERVICING COMPANY CONTINUALLY UNTIL XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO ADRESSED AS A RECAST AGREEMENT AND THAT MY MORTGAGE WILL NO LONGER BE WITH AMERICAS SERVICING COMPANY BUT WILL BE UNDER THEM. 
A BREAKDOWN PAYMENT TABLE WAS DONE FOR FUTURE PAYMENTS. STARTING XX/XX/XXXX AND CONTINUALLY THROUGH THE TERM OF MY MORTGAGE. 
MY INCOME AFTER RETIREMENT ARE AS FOLLOWS. ON THE FIRST OF EACH MONTH MY PENSION WILL BE SENT TO MY ACCOUNT AT MY BANK AND THEY WILL FORWARD MY MORTGAGE TO THE CARRIER. EVERY THIRD WEDNESDAY OF EVERY MONTH MY SOCIAL SECURITY WILL FOLLOW. 
IN XX/XX/XXXX I RECEIVED A LETTER FROM WELLS FARGO THAT MY MORTGAGE WAS DUE. I CONTACT THE BANK THEY HAVE IN XXXX XXXX TO SPEAK TO A MORTGAGE MNGR OF WHICH THEY WERE NONE SO I SPOKE TO A STAFF WORKER AND GAVE HER THE DOCUMENTS OF MY PAYMENT.AT WHICH I WAS INFORMED NO STAFF COULD HELP SO THEY MADE COPIES AND SEND SUCH TO THERE RESOLUTION DEPARTMENT. 
I WAS CONTACTED AT HOME ABOUT TWO WEEKS LATER AND TOLD AFTER CHECKING MY INFORMATION THE PAYMENT WAS MADE SO DON'T WORRY. 
I NOW RELAX BECAUSE THE PAYMENT WILL BE MADE ON THE FIRST OF EACH MONTH FROM MY PENSION BY MY BANK. AFTER A FEW MONTHS I AM NOW CONTACTED BY MY BANK THAT ELECTRONIC CHECKS ARE BEEN SENT FOR PAYMENT IN THE AMOUNT OF {$740.00} FOR MY MORTGAGE. 
I INFORM THE BANK THAT THEY ARE NOW MY CARRIER BUT SHOULD NOT BE TAKING ANY PAYMENT FOR MORTGAGE OUT OF MY SOCIAL SECURITY AFTER RECEIVING THE MORTGAGE ON THE XX/XX/XXXX OF EACH MONTH ALREADY. 
IT BECOMES A NIGHT MARE WELLS FARGO HAVE NOW BEEN TAKEN MY SOCIAL SECURITY ALL OF XX/XX/XXXX AND IN XXXX AND XX/XX/XXXX. i WENT TO THE SOCIAL SECURITY OFFICE AND NOW COMPLAIN BECAUSE I RECEIVED NO PAYMENT FOR XXXX AND XXXX. THEY NOW CHECK AND MAKE A NEW ARRANGEMENT FOR ME TO BE COMPENSATED AND HELP ME TO FILE A COMPLAIN MOST OF ALL MAKE SURE I AM FULLY REFUNDED FOR MY LOSS. 
I WANT AND WILL ONLY SETTLED FOR FULL PAYMENT OF ALL MY MONEY STOLEN BY WELLS FARGO TO BE PAID BACK TO ME IN FULL. 

THANK YOU VERY MUCH FOR GIVING ME THIS TIME. 
I WILL HAVE DOCUMENT AND COPIES SENT TO YOU VERY SOON.
Product: Money transfer, virtual currency, or money service

I sent a SEPA transfer to Coinbase on XX/XX/XXXX. My bank says it 's in their account. I responded to Coinbase questions on XX/XX/XXXX about my processes, and determined my processes were sound, which leads me to believe something criminal is occurring. 

1. The ID Verification is completed, as I sent a SEPA transfer once before, onXX/XX/XXXX, 2.  SEPA is therefore added as my Payment Method 3. The names match across accounts 4.  The currency I sent money in was XXXX 5. In sending the money, the XXXX, XXXX, and references number were included. The Ref No : is XXXX My bank said the money was out of my account Thursday XX/XX/XXXX. 

My case number # XXXX Please find attached details of the bank, which I used two days prior to wire money.
Product: Credit reporting or other personal consumer reports

had 4 collections items removed, then items got removed, but my score dropped 14 points, when i asked transunion how that is possible, the rep that I spoke with told me that it went down because I still had other adverse items on my report, so I asked you mean to tell me that to make my score better i have to fix my I have to remove everything at the same time? the average person has no means of doing that and I'm pretty sure that fixing ones credit score does not work that way, the lady I spoke with had no answer for me. nore did she offer to send me any information in regaurds to the matter.
Product: Mortgage

bb & t is my mortafe bank ; payments are XXXX month ; my wife takes care of most of this as her part of the family unit ; however, as of late her father who is XXXX is not doing well ; this has caused her to make a few slow payments and/or miss one over a 2 week time. XX/XX/21 i got a call from someone saying bb & t, and asking all kinds of questions ; as a smart comsumer i ask what this was all about ; i was told, '' i can not give out any information untill i have ask all my questions and recieved all the answers i need '' ; i felt this was a con, the lady being rude ; she did call me., i called bb & t to see what was the issue ; i was told they would have to get back with me ; today XX/XX/21 i got a letter that i had a missed payment from XX/XX/21 ; that is less than 30 days ; just as i was reading the letter. i got another call from the same lady ; " requiring '' me to be silent unless answering her questions ; i hung up. i called the number on the letter and got " this is a debt collector '' on the phone and the same lady ; i told her i wanted to know what this was about ; she again required that i answer a lot of questions ; i hung up ; i then went to bb & t ; paid the bulk of the loan ; and requested a final notice of what would be due ... the lady was rude ; i am not 30 days deliquent ... if i was told what it was about i may have been better equipeted to answer the question ; however i was dealing with bb & t bank not a debt collector ; my serviecs should not be pushed to such a group ; i hate them i will not deal with them ; they are rude and treat one as a number ; without consideration of a human with problems ; such as what is going on in the world etc. there are a lot of scamers out there ; she should be required to answer my questions as well so i know it is safe to give out some information, just not too much. i went to the bank gave only my account number and i was well on the way to closing the account ... they will be at a lose for the next 35 months whitout that intrest that would have been paid.
Product: Money transfer, virtual currency, or money service

Despite a ten year history with both PayPal and XXXX  ( formerly the same company ). PayPal has arbitrarily decided to hold funds in my account that were sent to me by a repeat buyer for a repeat product with a continued 100 % seller feedback rating. PayPal is extremely discriminatory regarding their practices, and lacks transparency on why they are holding my funds hostage. Please investigate PayPal for this deceitful and damaging practice without merit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Carrington Mortage bought my loan in XXXX of XXXX from XXXXXXXX XXXX, I found out about this around XXXX of XXXX. I spoke with XXXX XXXX and explained that I had been XXXX overseas since XX/XX/2022. I received an alert from XXXX XXXX that my mortgage had been reported as delinquent on XXXX XX/XX/2022 I contacted the Carrington mortgage company and spoke to an employee named XXXX ID # XXXX and explained to them that I had been making payments and I confirmed that the company had my documents showing I was military and was overseas on an XXXX XXXX XXXX and I had not received any notices of my payments being behind. I requested to speak to a supervisor and was transferred to a supervisor named XXXX ID # XXXX, the supervisor told me he would check with the reporting department and call back. XXXX XXXX XXXX called me back and explained to me that his company was well within the guidelines of reporting me due to the fact that my military documents were obtained by the previous loan company XXXX, he also stated that I had missed my XXXX payment and I was over 30 days delinquent. I have bank statements that show I made the following payments. XXXX payment was made after speaking with the supervisor to stop the company from sending additional delinquency notices. 
XXXX {$1800.00} XXXX - {$1400.00} XXXX {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00} XXXX - {$1300.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I made an international wire transfer ( {$31000.00} ) but because of wrong XXXX XXXX, the money was sent to the wrong bank XXXX XXXX  in XXXX. On XX/XX/XXXX, I submitted request with wells fargo to call this money back and I was told I needed to wait at most 30 days for that money calling back. 

Till today XX/XX/XXXX, the money is not returning to my account. During the time between XX/XX/XXXX and XX/XX/XXXX, I called wells fargo multiple times to check the return status but I was told they tried to contact XXXX XXXX XXXX XXXX and no response from them. 

So I submitted complaint to XXXX XXXX XXXX to try to solve this issue. I got the reply from XXXX that this money was returned back to wells fargo on XX/XX/XXXX already. And during this time, XXXXXXXX XXXX XXXX XXXXXXXX tried to contact wells fargo twice sending XXXX  but no response so they have returned the money back to wells fargo due to unable to apply the money. 

On XX/XX/XXXX, I contacted wells fargo to check the return status and they still told me they do not know where is the money but I got documentation from XXXX government that the money have returned to wells fargo on XX/XX/XXXX already. So wells fargo refused to give money back to my account after they received the money.
Product: Vehicle loan or lease

On XX/XX/XXXX Chase bank claimed to have sent the title of my car through the USPS without a tracking number. On XX/XX/XXXX I still had not received my title and called Chase back and requested a new one, and they explained it would be sent to me overnight on XX/XX/XXXX. Today, XX/XX/XXXX, I called Chase and asked them about the status of the title. Chase explained that they sent out the request for the title on XX/XX/XXXX and it could take up to 30-days to process. The car registration in XXXX  expires on XX/XX/XXXX and because I moved from the State of XXXX  to the State of XXXX, I no longer have a XXXX  driver 's license. I can't register the car in XXXX  without my driver 's license, and I can't register the car in XXXX  without the title. Because of Chase 's mistake, I now ca n't drive my car, I ca n't drive to work, and they refuse to expedite the issue. This has not only taken away valuable time but has taken away my car and the ability to work and earn money.
Product: Student loan

1-1/2 months ago I received a credit alert informing me that my credit score dropped 56 points due to the change in Student loan status. Whatever Fedloans entered in regards to the COVID 19 student loan relief program caused my credit score to drop. No other factors on my credit report changed.
Product: Credit reporting, credit repair services, or other personal consumer reports

The car was involved in a car accident which totaled the car out. The loan was paid by the insurance company and the deficiency balance was paid by the gap insurance. The loan was never late and it paid in full. This is reflecting a charge off status on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a COVID Forebeance with XXXX  and was approved from XX/XX/XXXX to XX/XX/XXXX. However, My credit report now reflects, as of XX/XX/XXXX, that I am delinquent more than 60 days. I also receieved paperwork stating that my loan was sold and to date have not gotten any information as to where payments are to be made. Can someone please assist.
Product: Mortgage

In XX/XX/2023, I contacted PNC to close my mortgage escrow account. I received a letter from PNC, dated XX/XX/2023, approving my request to close the escrow account. They mailed me a consent form that I was required to sign and mail back, and they asked for a fee ( {$69.00} ) to close the account. I signed and mailed the consent form back to PNC, and wrote to them that I would not pay a fee to close my escrow account, as the account itself currently has a positive balance, and there is no reason that they should charge me a fee to close it. I suspect that in requiring a fee to close my escrow account, PNC may be engaging in illegal business practices. 

This is the first time that a mortgage company has ever asked me for a fee to close an escrow account, and I find it highly suspect. In addition, I find the process required for closing the account, which involves paperwork being mailed back and forth, unnecessarily cumbersome, and in sharp contrast to industry best practice, which is for an escrow account closure to occur 100 % electronically. I suspect that in keeping the process paper-based, PNC hopes to discourage its customers from closing their escrow accounts. This may be legal, but it is certainly very unsavory. 

To date, I have not heard back from PNC. My escrow account has not been closed, nor has the balance refunded to me, despite PNC having received my signed consent form.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX creditor : XXXX XXXX XXXX Balance details 0 % paid off Balance {$1800.00} Balance updatedXXXX XXXX XXXX  Original balance {$1800.00} Account info Account numberXXXX Date openedXXXX XXXX XXXX  Account typeDebt Buyer StatusCollection account. {$1800.00} past due as of XX/XX/2023. 
Status updatedXXXX XXXX Payment summary XXXX  XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX XXXX - XXXX - XXXX - XXXX - Comments Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) Your statement - Contact info Name XXXX XXXX XXXX Address XXXX XXXX XXXX, SC XXXX Phone number ( XXXX ) XXXX 15 us code 161 c z a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, no later than 4 business days after the date of receipt. it has been more than 30 days and you are in violation of this law because I am a victim of identity theft. Please delete these items immediately. these accounts should not be furnished on my consumer report as they are in violation under 15 us code 1681 b - the permissible purpose of consumer reports ( a ) in general subject to sub-section ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written consent instruction to report anything on my consumer report which violates my right as a federally protected consumer. no consent is identity theft. As a consumer, I am demanding the deletion of the account listed immediately
Product: Vehicle loan or lease

In XX/XX/2018, I paid my car loan off in full. Prior to paying the loan in full, I had been speaking with representatives at Bridgecrest regarding my account status. I initially requested that my late payment me pushed to the back of the loan. They denied my request multiple times stating I was not out of my hardship ( this was obviously untrue because I quickly paid the loan in full ). They then told me as long as I paid my account prior to the end of the month, I would not be considered late. I was told this multiple times and I recorded each phone call. I made my final payment prior to the end of XXXX as agreed, but Bridgecrest marked my account late in XXXX. I attempted to contact a supervisor in XXXX regarding the issue. He said he would listen to the recorded calls that Bridgecrest had on record and get back to me. I told him if he could not find them, I could provide my own personal phone calls. I never received an update. I called Bridgecrest and the supervisor directly for almost a month, received no update, no one even returned my phone calls. So I tried disputing through credit bureau, but Bridgecrest refused to update, XXXX refused to update, and each dispute I asked for where I could send my recorded calls for proof. I am trying again through CFPB. If someone would just listen to the recorded calls either from Bridgecrest or mine, they will here the reps say I always have until the end of the month to make a payment before I am considered late. Bridgecrest saw a customer in need, and denied them the opportunity to apply past due on back of loan, then reported me late after telling me I had until the end of the month. I have seen multiple complaints from other customers about how Bridgecrest has taken advantage of lendees in the exact same fashion. This is an extremely dirty business practice that needs to be addressed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX, DPT ED XXXX Account # XXXX and XXXX  ACCOUNT # XXXX has violated my rights.15 U. S. C 1681 section 602 A. States I have the right to privacy.15 U. S. C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit card or prepaid card

On XX/XX/XXXX at around XXXX, my American Express Serve account was permanently suspended & i was locked out. My husband and I have a joint account & he can't access his subaccount or his money either, which was payroll direct deposit from his employer last week. It sucks because he is a hard working essential worker & can't access money he worked hard to earn. I have called numerous times & spoke to a few different people & was told by the last one, that it was because of my last name change on my unemployment. However i have been receiving direct deposit from my employer with my last name change without any issues. And was actually told by customer service, right after getting married, that it wasn't necessary to change it, but could if I wanted to. They even accused my husband of not being who he is, looked and reviewed our account again & saw that they were wrong about that and for holding his funds. They both said that it would be unlocked within 48 hrs. It has not. They are liars & a joke at this point. I have been with Amex for over 3yrs & this has never happened. I will be closing that card as soon as funds are accessible. Already have a new actual bank account set up. We are broke at the moment & they are holding over {$500.00} from us. Please help us as we are just trying to make it & can barely survive. They need to be stopped as there are hundreds of people online that have also been suspended as well. The only explanation they give us, is that we broke section 15d of user ahreement. But we did not. None of us gave them permission to do this & American Express has broken their own user agreement. I am disgusted & dissapointed, as bills are due & we can't access our funds to pay them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have hard inquiries on my report that I have no affiliation with. I didnt apply for credit for these accounts. 

XXXX XXXX XXXX  XXXX TransUnion XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX TransUnion XX/XX/XXXX XXXX XXXX TransUnion XX/XX/XXXX These unwarranted inquiries are having a negative impact on my score. I dont have any accounts with these companies.
Product: Credit reporting, credit repair services, or other personal consumer reports

" THIS IS NOT A DUPLICATE NOR IS THIS COMPLAINT BEING FILED BY A THRID PARTY. I AMFILING THIS COMPLAINT MYSELF. PLEASE SEE THIS COMPLAINT IS PROCESSED TO THELETTER OF THE LAW '' All three credit reporting agencies ( XXXX, XXXX & TransUnion ) are failing to comply with FCRA laws & sections. Over the past few years I've informed them I was the victim of identity theft and numerous accounts were opened due to it. I've provided them with the required documents ( identity theft report, drivers license, address document & copies of the credit ). Each has claimed they verified the accounts without providing any verifiable proof. Since things have become so stressful, I finally ask my local police dept to take a report of the incident. I'm attaching everything again in hopes you can support me in getting the following accounts removed - XXXX XXXX # XXXX, XXXX, XXXX & XXXX. Please see the following accounts are removed/blocked and/or discharged from the original creditor
Product: Credit reporting or other personal consumer reports

XXXX, trans union, XXXX have a delinquent account on my credit without any merit declining my credit. XXXX XXXX XXXX Balance Updated on {$16000.00}. I contacted the companies involved with no response.