23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

Bluebird American Express has refused for almost a year to explain why they haven't returned my money and actually lied and said I had a XXXX balance. I have supporting documents that show I am in fact due a refund of {$290.00}. I ordered a double door from XXXX using my Bluebird card. When I made this purchase I had enough money, but I had also made other purchases so I guess the XXXX order is what put me still oweing {$290.00}. That was my mistake, I just didn't realize I had gone over at the time. I did not realize I had been sent emails about this but I do realize that was also my mistake for not being more diligent in reading correspondence. However that does not mean that a company can keep money that does not belong to them. I didn't realize there was an issue until XXXX got ahold of me about my order and then I realized my account had been closed. I have attached supporting documents that show I did cancel the order through XXXX and was told to contact my bank about the refund. The doors I ordered were {$580.00} and I was negative {$290.00}. ( per attached bluebird email ) Subtract that from the {$580.00} and I should have received {$290.00}. Instead they lied and said I have a XXXX balance and won't give me a refund. The documents show correspondence with XXXX  specialist and emails from Bluebird American Express.
Product: Checking or savings account

I had received money from a tenant for the XXXX program. I am a woman close to XXXX XXXX XXXX  so I rarely spend any of my money as Ive been saving up for years. I got this new bank account specifically for the purpose of cashing this. Check and having some savings. I went in after about a month and a half of not checking my account only to see that close to {$5000.00} had been stolen from me through multiple small XXXX XXXX made transactions. I dont use that service. I put it in a claim to get my money back from XXXX XXXX but Bank of America denied my claim with no proper reasoning.
Product: Debt collection

On XX/XX/XXXX I responded to an email from ( attached ) from Scott & Associates, P. C. 
The date on their email to me is XX/XX/XXXX. It was an offer to settle a debt they allege is owed to XXXX XXXX. 

This organization had emailed me with an offer to settle a discharged account their client XXXX XXXX allegedly purchased as a secondary buyer. 
MY RESPONSE On XX/XX/XXXX I emailed Scott & Associates P.C with a request for account information. ( Attached ). 
I asked for information about the alleged debt and requested it be mailed to me as I had no idea who this organization was. 
I have not seen any information from them prior to this communication in my trash email nor have I received anything via USPS prior to this email.

On XX/XX/XXXX a process server appeared with a lawsuit dated as filed XX/XX/XXXX. 
So Scott & Associates emailed me offering to settle this the same day they filed their lawsuit against me. ( See attached summons ). 
XXXX XXXX alleges they purchased a discharged account from XXXX XXXX XXXX. 
My complaint is 1. 
XXXX violated my rights UNDER THE FDCPA by re-aging the account upon purchase in XXXX. 
This account had an original date of delinquency in XX/XX/XXXX as my credit report shows. ( see attached XXXX credit report first date of delinquency XXXX XXXX, # XXXX ). 
XXXX XXXX wrongly reported the date of first delinquency incorrectly on my credit reports as the date THEY allegedly PURCHASED the account in XXXX. 
This is an illegal act and further damages my credit score. 

2. Ignoring my request for accurate validation, suing me instead on the same day they offered to settle via email. 

Days after offering to settle via email on XX/XX/XXXX, and my subsequent request for validation on XX/XX/XXXX, this organization, Scott & Associates P.C., XXXX, TN sent a process server to my home to serve a summons to appear in General Sessions court. 
The issue date was the same date they filed a lawsuit against me ( attached ).
Product: Mortgage

Hello, On XX/XX/2019, I applied for a line of credit with Regions bank for {$40000.00}. The home does not have any liens associated with it nor does it have a mortgage. I was declined for the line of credit due to my credit. However, I met the score requirements and the other requirements for approval. Furthermore, I contacted the mortgage division through phone and the rep stated " The amount of the loan was too much for my property. '' No one did any comps on a property in two hours in order to make that determination in such a small amount of time. My banker even responded with a lower number, the underwriter still did not approve it. Once again the banker and the mortgage division rep stated the same thing, " it's your credit. '' It's no way my credit was an issue, because I met the requirements. I truly believe Regions declined my line due to the fact I was XXXX and staying in a predominantly XXXX area. The fact that the underwriter did not respond with a lower number, further lets me know something is not right.
Product: Mortgage

I recently filed bankruptcy and lost online access to my mortgage account, which makes it impossible to make online payments to my mortgage company. I was told that due to my bankruptcy, their policy is to shut down online payment access and only allow certain methods of payment, many of which cost upwards of {$15.00} to {$30.00} per payment method ( XXXX XXXX, XXXX 's Check, etc. ). I spoke with a " bankruptcy XXXX '' within my mortgage company on XX/XX/23 and they refused to restore access to my online account and basically demanded that I send in my payments either by XXXX XXXX, a Cashier 's Check, or a personal check. Considering all of the check fraud present in this world, I am not about to mail off a personal check and risk losing my entire life to someone washing a check and changing the amount on the check. This mortgage company is taking away my liberty and choice of making payments the way I want to make them without having to incur additional fees. This is not the first time they have locked me out of my online account. I am stuck with this company until my home is paid off or I win the lottery. Neither of which will happen anytime soon. How can a company take away a payment choice without notification?
Product: Mortgage

Dear Consumer Financial Protection Bureau, I am writing to express my continued concern regarding the response I received from Wells Fargo Home Mortgage in response to my complaint ( Complaint ID : XXXX ). I appreciate your assistance in facilitating this communication and investigation. 

In my original complaint, I expressed my dissatisfaction with Wells Fargo 's decision to add an extra two months ' reserve to my escrow, which was initiated in XX/XX/2013, and their failure to provide a clear explanation as to why this change was made a decade after the loan origination. My concern primarily revolves around the arbitrary nature of this action and the financial implications associated with it. 

In their response, Wells Fargo failed to address the core issue at hand : the rationale behind this sudden change in escrow reserve requirements after ten years. While they may have provided some general information about escrow account management, this did not directly address my specific question. I believe it is essential for Wells Fargo to explain why this adjustment was not implemented at the time of the loan origination in XX/XX/2013 and why it was done now, especially considering the financial impact on myself and other borrowers. 

I remain convinced that this change may have been made with the intention of earning interest on the extra two-month reserve held in escrow, without providing any corresponding interest to the borrowers. This, in my opinion, raises ethical and UDAP regulatory concerns that should be addressed. 

Therefore, I kindly request the Consumer Financial Protection Bureau 's continued assistance in urging Wells Fargo Home Mortgage to provide a clear and detailed explanation for the timing and rationale behind the addition of the extra two months ' reserve to my escrow account. Furthermore, I believe it is essential to determine whether this change complies with applicable regulations and whether it indeed serves the best interests of the borrower. 

I am requesting a written explanation about why Wells Fargo decided to add the two-month reserve to my escrow now, and not at the time the loan was originated 10 years ago. This clarification is crucial for me to fully understand the motivations behind this change and ensure that it complies with all relevant regulations. Transparency and accountability are paramount in maintaining trust between borrowers and financial institutions, and I believe that this information is necessary for a fair resolution of my concerns. 

I would like to thank you for your support in facilitating this communication and ensuring that my concerns are heard and addressed. I look forward to a more thorough response from Wells Fargo Home Mortgage regarding the issues I have raised. If you require any further information or documentation to assist in this matter, please do not hesitate to contact me at XXXX or XXXX. 


Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

While I already filed a complaint that is now closed.as Citibank has refused to take any accountability, it must be addressed and is wrong in so many ways. I have spoken with XXXX different people, received contradictory information, received horrible customer service, and now have had XXXX credit checks by Citibank and gotten nowhere. I was told that I was preapproved for a card and I wasn't, I was told that I had to have a second credit check but would be approved ( but wasn't ), then told a credit limit of {$500.00}, then told I had to activate card to ask for increase and they COULD NOT expedite. They then sent to wrong address. 

Finally their executive office calls back ( ONLY after a XXXX report filed ). I was told that I could apply for another card without a credit check ), then received a letter ( not a human being ), then was told by a different executive that they could look into this unless there was a XXXX credit check as too much time had passed ( due to their incompetence and what I believe to be intentional stall tactics ). Now I am told to wait another 2+ weeks to see what could be done. 

I believe this to be a form of entrapment. They have told me so many different things, stalled me being able to move forward, my credit rating has dropped, and I am vested with them that they are strong-arming me and preventing me from working with another lender since they have ruined by credit score, So essentially, they keep bringing me down a trap that I have to stay with them. They said I was not approved for the second card recommended by XXXXXXXX XXXX  XXXX yet told me to apply. Per attached, they said I was not approved due to too many inquiries ( XXXX OF THEM WERE THEIR OWN INQUIRIES!!! ). 

Their tactics are misleading and contradictory information either intentionally or due to a lack of training and a broken system. 

I have attached their reply letter, my credit score decrease due to Citibank and the specific pulls within a week because I trusted what they told me. 

Despite it having transpired in XX/XX/ 2015, this has obviously been an issue before : CFPB Orders Citibank to Pay {$700.00} XXXX in Consumer Relief for Illegal Credit Card Practices
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted transunion and XXXX  about an account listed by XXXX XXXX XXXX. 
XXXX XXXX XXXX Potentially Negative XXXX XXXX XXXX XXXX Debt Buyer Responsibility Individual Balance {$1200.00} Account Name Account Number Account Type Balance Updated Recent Payment Monthly Payment Original Balance Highest Balance Terms On Record Until XX/XX/XXXX XX/XX/XXXX {$0.00} {$0.00} {$1200.00} {$0.00} 1 Months Date Opened XX/XX/XXXX Status Collection account Payment History {$1200.00} past due as of XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX This account has been reaged. I have disputed this reports 3 times. Each time they allow the collection agency to falsely report their accuracy. The account they claim to be collecting is so old it does not appear on my credit report. This is a fair indicator of an issue. The opening date of this account is listed as XX/XX/XXXX. If that were so the XXXX  would show on my credit report. I asked Transunion for the original date of delinquency and they told me that is did not matter. If the original account is so old it is no longer on my report than the collection account has to have been reaged. 

The same situation exists with The Bureuas THE BUREAUS # XXXX XXXX XXXX XXXX XXXX XXXX , IL XXXX ( XXXX ) XXXX XXXX Placed for collection : Responsibility : Account Type : Loan Type : XX/XX/XXXX Individual Account Open Account COLLECTION AGENCY/ATTORNEY Balance : Date Updated : Original Amount : Original Creditor : XXXX XXXX Past Due : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I would like to dispute certain records in my credit file that do not belong to me, that I have signed any agreements, and that I have been the victim of identity theftall of which seem to be unaddressed. The things I'm disputing are unrelated to any transactions I've completed or approved in order to obtain goods, services, or cash. Kindly take out the following items. 

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
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX credit card on my credit report. It is showing several missed payments on my credit report even though I havent missed any. I contacted XXXX XXXX  and they stated that the missed payments arent showing in their system and that they dont know why my payments were being reported as missed and that I need to contact the credit bureaus. I have called XXXX and Experian several times, disputed the incorrect information, and wrote letters trying to resolve this. They refuse to remove these false missed payments. 

XXXX has XXXX missed payments XXXX has 10 missed payments XXXX XXXX has XXXX late payments XXXX has 10 missedpayments XXXX 9 missed payments XXXX 12 missed payments Also theyre are 4 accounts on my credit report that are not my accounts. I have disputed this information many times but the credit bureaus refuse to remove them even after proving that I never opened any of the accounts. The accounts are listed below. 

XXXX XXXX - 2 Credit cards XXXX US Bankruptcy Court
Product: Credit card or prepaid card

I made a purchase for {$12.00} in XX/XX/XXXX. In the midst of me changing banks the bill was overlooked. I immediately called and the late fee was waived as 1 time courtesy and I pd the bill XXXX ( XXXX fee which I dont know for what ) in XX/XX/XXXX. And now they say I owe {$41.00}? On a XXXX purchase which was paid. Ive messaged them but nothing is resolved. Ive looked them up ( comenity Bank ) on XX/XX/XXXXand there are a lot of complaints of them doing this to customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019, I mailed a letter to the United States Bankruptcy XXXX XXXX XXXX XXXX Florida and requested then procedure for verifying records with the credit reporting agencies. I received a letter dated XX/XX/2019 from the Bankruptcy Court stating, The Bankruptcy Court has no jurisdiction over credit reporting agencies. The Fair Credit Reporting Act, 6 U.S.C. paragraph 605, is the law that controls credit-reporting agencies. You may contact the Federal Trade Commission, Bureau of Consumer Protection ... ..

The Bankruptcy Court records are public records ; therefore, the court does not report any filings to the credit reporting agencies. Subsequently, I forwarded the letter from the Bankruptcy Court on XX/XX/2019 to XXXX XXXX, XXXX  and Transunion. I requested that they re-investigate the Bankruptcy that they were reporting on my credit file. Letter read, please validate this information with United States Bankruptcy XXXX XXXX XXXX XXXX Florida and provide me with copies of any documentation associated with this record. In the absence of being able to verify this record, I formally request this information be deleted from my credit file you maintain under my Social Security number. The response I received from XXXX, dated XX/XX/2019, stating the Results of Our Reinvestigation, public records XXXX obtained is from local, state and federal courts through a third party vendor, XXXX. I find XXXX  explanation for reinvestigating with the Bankruptcy Court lacking honesty, accuracy and fairness, especially since I placed a freeze with XXXX on XX/XX/2019. Additionally, I placed a freeze with XXXX, XXXX and XXXX, all for profit information-selling businesses.
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 : Accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> 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 CREDIT BUREAU 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, credit repair services, or other personal consumer reports

On XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX ran my credit without my permission. I did not authorize them nor did I apply for any type of credit. whne I realized that my credit was ran I immediatley contacted them to have them inquiries removed. The General Manager advised me that they moveremove them with 30 days that was on XX/XX/XXXX. Since then the inquiries on still on my credit report . I have contacted XXXX and Equifax to dispute these 4 unauthorized inquires due to fraud being commited since I did not give permission for my credit to be pulled ,  XXXX and Equifax  advised me that I had to contact the XXXX  XXXX to resolve this issue.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Dispute of Civil Liability for Negligence ( Reference : XXXX XXXX ) I am writing to formally dispute the claim of civil liability for negligence referenced as XXXX XXXX. After careful consideration of the circumstances surrounding this matter, I believe that the claim is unfounded and merits further review. 

Ive disputed XXXX XXXX XXXX several times due to lack of clarification of the company and accuracy of the amount owed. I have not gotten any resolve. 

I would like to point out the following points that highlight my position : XXXX. I have no verified debt with XXXX XXXX XXXX XXXX. The amount owed is not accurate Given these circumstances, I respectfully request that you reconsider the claim of negligence. I am willing to discuss this matter further and provide any additional documentation needed to support my position. 

Please respond to this letter as soon as possible, so we can work towards a resolution. I appreciate your attention to this matter and look forward to your prompt response. 

Thank you for your understanding. 

Sincerely, XXXX XXXX
Product: Mortgage

We received info from you that Ditech send a letter stating they had sent repayment papers to use on XX/XX/XXXX.Wr have not gotten any paperwork from DITECH for payment schedule or and letter from legal Dept and the rep from. XXXX XXXX re they playing a game.Theu will not take payment or the reps have no knowledge of payment plan What do we do for the company to let us keep our house and make payment. Thank you.Who else can I call Thank you
Product: Checking or savings account

On XX/XX/XXXX, Citibank abruptly closed our checking account and informed us via letter that the remaining balance of {$4000.00} would be returned by check. We never received this check. 

This account was used solely to receive rent payments from our property manager. We made multiple attempts to contact Citibank by phone, but they refused to provide any detailsonly stating the account was closed due to " fraud. '' At the time, we were living abroad and unable to resolve this in person. 

When we returned to the U.S. in XX/XX/XXXX and visited a Citibank branch, a manager finally disclosed the issue : Citibank had flagged two deposits ( dated XX/XX/XXXX and XX/XX/XXXX, each for {$3200.00} ) made by our rental agent, XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX. The problem was that XXXX business name appeared in the To/Receipt field instead of our account name. Based on this minor clerical error, Citibank shut down the account and froze our fundswithout any notice or opportunity to clarify or resolve the matter. 

Citibank then required XXXX to sign a Hold Harmless Agreement to release the funds. He complied and submitted the signed document on XX/XX/XXXX, with notarization. After receiving this, Citibank abruptly introduced a new requirementa Uniform Indemnity Agreement signed by XXXX bank XXXX XXXX XXXX XXXX, which they had never mentioned previously. 

XXXX XXXX refused to sign the document, rightfully stating that this is a matter between Citibank and its account holder, not their responsibility. We agree with this position. Despite this, Citibank continues to unlawfully withhold our {$4000.00} without justification. 

We did nothing wrong and have fully complied with Citibanks original demands. Their decision to freeze our funds, move the goalposts, and ignore their own letter promising to return the money is unacceptable. 

We have been loyal Citibank customers for over 25 years, and we are extremely disappointed by the lack of transparency, shifting demands, and refusal to release our funds. We believe this is a violation of consumer protection laws and respectfully request the Consumer Financial Protection Bureau to intervene. 

Requested Resolution : We are requesting that Citibank immediately release the {$4000.00} to us or return it to the original sender. There is no legitimate reason to continue holding these funds.