23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The estimates used for projecting the upcoming taxes payments from my escrow was very over inflated. The escrow projections for taxes is approximately {$17000.00} ; However, the actual tax bill for the upcoming year is approximately {$10000.00}. I have included the actual tax bill for reference. Thus, for XX/XX/XXXX my mortgage payment increased drastically by over 60 % due to this. I notified the company in XXXX of this issue as was assured that while this was investigated that my payement status would not be reported late. This was mentioned twice by customer customer, not being reported late, during phone calls on XXXX and XX/XX/XXXX. Unfortunately, they reported my payment status late thus causing my credit reporting score to drop over 100+ points.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a complaint about the fact that I can not obtain my National Consumer Telecom & Utilities Exchange ( NCTUE )  credit report. Since at least XX/XX/XXXX, I have been attempting to obtain my credit report to no avail. The telephone system does not work and NCTUE does NOT provide any information about what I should send to NCTUE to obtain my credit report via mail. I NEED TO KNOW WHAT TO SENT TO NCTUE TO OBTAIN MY CREDIT REPORT. The Company 's response to my XX/XX/XXXX Complaint was a nonsensical response that did not in any way address my question and concern.
Product: Credit card or prepaid card

I paid my credit card bill they took out the money out if ny account XXXX times XXXX got reverse the other payment is lingering. When I check I have no available credit when I paid my bill.
Product: Student loan

I have been trying to avoid default. I spoke with Navient several times about getting payments that I could afford since I have several student loans. They wanted a payment that was beyond my income.
Product: Credit card or prepaid card

I previously filed a claim for debt protection with Synchrony Card Protection on my PayPal Smart Connect account, which was approved, and I believe I need to disclose for tax purposes. 

Synchrony Banks card security debt protection insurance is violating federal tax law and putting those using their product at risk of failing to pay proper taxes. 

Synchrony Bank is legally required to report any taxable income due to debt forgiveness to the government and send the relevant forms to the insured so they can properly file taxes. 

Today, two Synchrony Bank card security representatives told me THEY DO NOT MAIL ANY TAX FORMS TO NOTIFY THE GOVERNMENT OR CONSUMERS OF THIS TAXABLE INCOME. 

I told them this is unacceptable and that they needed to provide me with the proper tax documents in accordance with federal law. They said company policy does not allow this. I demand that Synchrony provide the relevant tax documents at the end of the year.

NOBODY is asking them for tax advice, we just need the forms to take to our tax preparer.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with the error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I had submitted a claim stating that a young lady that I raised and no longer in contact with walk into a Bank of America to open account the teller at the branch proceeded to tell her she already had an account but that was my money and old account that I had just deposited my stimulus check into this was and old account that still had her name attached to it but I had opened the account back when she was receiving ssi which she stop receiving in XXXX but kept the account open and was putting my money into the account she knew the money wasn't hers she even admitted it in a text she send my neice were she state that the teller told her about the savings account which allowed her take out every penny in one day all my saving which I feel the teller shouldn't have done I've been with BOFA for over 20yrs this put me in a financial hardship because of one unprofessional bank teller you came to the conclusion that there was no fraud committed but if the teller had not told about that account I'd still have XXXX in my account this was so unfair I think and exception could be made in this matter since you gave 60day to respond to your when I went to site to do so it would not allow me to state my discuss at you decision that I did not agree with I'm XXXXyrs old XXXX woman struggling to pay my bills that money that your teller told her about was my money my stimulus money and I have proof that that if not the teller opening her mouth I'd still have my money that could have paid my car note for 2 months please revisit my original claim I pray that you reverse your previous decision
Product: Consumer Loan

I went to LoanMax in XXXX Va. I was in great need because I was facing eviction. When I arrived I went to the wrong title loan company because there are two title loans on XXXX XXXX in XXXX. I walked in the first title loan place the gentleman took me through the application process and then he asked me for my title. When I gave him my XXXX title he said " Sorry Maam we dont take XXXX titles ''? So I walked across the street to LoanMAX. I gave my title to the employee and she told me the same thing that they couldnt take XXXX titles. As I was walking away in frustration I stated noone told me this over the phone. The employee begin to explain that it wasnt her that I spoke too. She then said if I could provide her a XXXX address she could give me a loan. I gave her an address in XXXX and then she asked how much I made a month. I told her my monthly income. She said let me call my supervisor. She told the supervisor that i had a XXXX title but the car was housed in XXXX. The supervisor gave her the ok. So she approved me for {$1400.00}. I agreed to pay {$320.00} a month. I making the monthly payments and thinking that paying monthly would lower my balance. But I was totally unaware of the interest and how it worked. So it seemed as though my balance was never going down. My car is a XXXX XXXX XXXX XXXX. It wasnt worth the payments. But I continued to pay monrhly and questioned the interest. They just kept telling me it was explained to me when I took out the loan. I told her i couldnt afford to pay a loan that never ended. I paid them a total of {$1300.00}. Then I started doing my research and found out that it was true that they couldnt do loans with XXXX titles and that XXXX had stipulations but they would honor XXXX titles ..but not XXXX!! When I questioned them about how was I able to recieve a loan if I have a XXXX title ... I was told that they couldnt control the address that people provided. I even had people call to ask if they had a XXXX title and lived in XXXX could they recieve a loan? There answer everytime was no! I told them that I couldnt continue to pay this high interest loan. So within 3 months of non payment they came and repossed my XXXX but they hired a XXXX party company to say they repossed my XXXX. When I called to get my belongings out of the XXXX they told me they never took my XXXX. I went to the police and the police clerk provided me the information that they did have my XXXX repossed.
Product: Credit card

Hi- this is a general complaint about the issuance of credit cards. I filled out the form as best I can, but there wasn't an option for " other '' so I had to select some of you default options. 

My complaint is that after an application card issuers are not required to disclose the amount of credit that they would offer you before you accept the offer. 

This makes it challenging for consumers and businesses to limit the number of accounts they open for credit management or other purposes because they can't see how much a card issuer is offering before they accept the account. 

I think CFPB rules should require that after an application for a credit card the issuer should be required to disclose the credit limit they would be willing to offer and the business or consumer should be able to negotiate at that point based on their needs or decline the offer. 

If this wasn't the right way to submit this feedback, please channel it to the right people. I think this is a very fair consumer protection to allow a consumer to see the total credit line before accepting a new account so that they can shop between issuers without having to open an account just to see what credit line is available. 

Thanks, XXXX
Product: Mortgage

Received letter dated XXXX/XXXX/2016 'last ACH payment returned unpaid '' & to contact loan counseling dept. 

According to my XXXX : XXXX/XXXX/2016 Payment processed for {$820.00} from your XXXX account XXXX XXXX XXXX. 
Estimated arrival date for this payment is XXXX/XXXX/2016. 
XXXX/XXXX/2016 Single payment to Bayview Loan Servicing was scheduled to be processed on XXXX/XXXX/2016 for {$820.00} from your XXXX account XXXX XXXX XXXX. 

XXXX # : XXXX This is happening for the second time & Bayview still has n't explained how they XXXX up the first time.
Product: Mortgage

I been in the forbearance program since XX/XX/XXXX when the Pandemic start and i was schedule to be out in XX/XX/XXXX, since than i been dealing back and fort with my Mortgage company which is Lakeview Subserviced by XXXX, they keep denying the require paper work to complete the XXXX XXXX, so far i have return 2 set of paperwork sign and by the Notary Public they keep saying that is wrongful fill out, since last one send out to them i have ask to have a Mobile Notary Public that i'm waiting it has been a month today XX/XX/XXXX that Mobile Notary Has not contact me, I call today XX/XX/XXXX and spend 2 hours on the phone to speak with a member of management XXXX ID XXXX from XXXX  XXXX and provide a Tracking number from XXXX XXXXXXXX which they was send out in XX/XX/XXXX and XXXX XXXX and could not be located, documents were requested Wednesday XX/XX/XXXX for second time which are due to be return in Thursday XX/XX/XXXX and still have not receive a call from Notary public to schedule an appointment to sign documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I've been trying to work out an arrangement with XXXX XXXX, Ideal Image and I have kept up my end of the agreement. I have been making payments as discussed in XXXX and moving forward, the problem that I'm having is that they are still charging me late fees of {$37.00} every month even after I have been making my payments and reporting it to my credit report that I'm late, as per the arrangements I've been making my part. So now i need to know what are we going to do to make this correct? I was also told that my account would be fixed after making the necessary payments. I'm just trying to get my credit back where it needs to be so that I can get back on track and buy a house. I've been trying to work with this particular company and their not really helping me with my credit. Is there any way we can get this resolved so that my credit is not tarnished?
Product: Checking or savings account

In 2014 I believe my mother had his ex boyfriendliving in our house he stold our bank account information, our debit cards social security and also checks. He took my XXXX XXXX XXXX and deposit a check with no funds to various of my accounts. He went to jail for that but I never did a police report on what he did but now im not able to open any account because of that and ca n't pay all the amounts of checks with no funds that my stepdad did. Offortunitly I have no proof but there is proof he went to jail for doing false accounts and depositing check with no funds.
Product: Vehicle loan or lease

My name is XXXX XXXX and I'm looking for some help as I'm in need of help due from XXXX in XX/XX/XXXX and then again in XX/XX/XXXX. Having XXXX twice I was put XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX doctor telling me that XXXX made my XXXX XXXX worse and that I could not longer work due to my XXXX XXXX being unstable and thats why I keep falling. However I had file for ssi and had to do an appeal on XX/XX/XXXX. I have also apply for unemployment for loosing my job in XX/XX/XXXX as my XXXX XXXX XXXXXXXX messed me over. I also applied for XXXX to get help from the state. As we all know theses are a long term of approval and I haven't heard back from anything. I worked at XXXX XXXX which is a decent job, but with the issues I'm facing I'm at risk of loosing my car that I can't make a payment on. If I loose my car I won't be able to get my kids to school. Also I have struggles paying for my water. I had gotten this reference from my housing ppl that I live in their housing. If you could help me in this matter that would be great or have any other references that would be awesome. Thank you XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you “verified” that these items are being “reported correctly”?Who verified these accounts?You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it)  as  required under Section 609 (a)(1)(A) & Section 611 (a)(1)(A). Furthermore you have failed to provide the method of verification as required under Section 611 (a) (7).Please be advised that under Section 611 (5) (A) of the FCRA – you are required to “…promptly DELETE all information which cannot be verified.” The law is very clear as to the Civil liability and the remedy available to me (Section 616 & 617) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.I demand the following accounts be verified or removed immediately. Dept of Ed Account XXXXXXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXXXXX XXXXAccount XXXXXXXX XXXX XXXXAccount XXXXAccount XXXXXXXX XXXX XXXX Account XXXX
Product: Credit card or prepaid card

I received a letter asking me to call a number to approve a XXXX XXXX application which I never applied for. I called the company. The associate told me there were 2 attempts to try to get this application approved. This was through Comenity Bank.
Product: Money transfer, virtual currency, or money service

Made an emergency online transfer transaction on XXXX Thursday, XX/XX/2024. Western Union released the funds on XXXX XX/XX/2024. Western Union held the funds to generate maximum interest off the fund before releasing it. 

Money transfer institution, eg., Western Union should not be allowed to " milk the cow '' to the core. Western union held my funds for 6 days to generate interest before releasing the fund to the other financial unit for their own version of milking the cow. 

CFPB should look into this. They claim there are three financial institutions involved in the process, but clearly they were holding the funds to maximum time as possible. They should be only allowed to hold onto the funds for 3 days including weekends and holiday if any. They make it their excuse for them to hold on the funds to the max. 

Thank you
Product: Debt collection

This is my second response to this company regarding this matter. They are attempting to collect a debit that is not mine. I have never been to this Dr XXXX The amount they are trying to collect is {$110.00} It Was Submited for Collections on XXXX XXXX XXXX. 
The last XXXX of my ss # is XXXX date of birth is XXXX/XXXX/XXXX.
Product: Debt collection

Originally disputed this fraudulent account back earlier around XXXX and was able to remove it from my credit report. I then now fast forward to XXXX on XX/XX/XXXX received a call from this debt collector around XXXX XXXX   to my personal cell claiming to have an account which I owed debt to. I argued and insisted that the debt wasn't mine and wasn't legal or binding as it was a result of identity fraud which I had already spoken with the original creditor XXXX XXXX XXXX  to remove and close the fraudlent account that was opened without my permission and authorization as I was legally not able to enter any binding contract and lenders like the bank and debt collectors couldn't collect upaid debt for this credit card as the account opened at the time was a result of identity theft and the fact I was under the legal age of 18. The account was opened 5 years ago prior to when I could of entered into a binding contract with lenders which was this account was illegal and fraudlent account being opened as I had no method of paying back any debt as I had no independent ability to pay any payments for any form of debt. Under the Credit Card Act this law states 226.51 ( b ) ( 1 ), credit card issuers can not open a credit card account for consumers under age 21 unless the applicant submits a written application as well as having finanical information that the applicant must have the independent ability to make minimum payments for the credit extended. Both of which I never had first given any written signed application to the lender and second being able to financially pay for this debt. 

XXXX XXXX XXXX has since then removed the fraudlent account from my report but however I got this call with a lady speaking on the phone claiming this is a valid account ( which I also have a recording of the call ), trying to convince me that this is a valid debt as if I didn't know any better and provided information such as my DOB being incorrect and stated herself the account was opened in XXXX and threated to damage my credit which I had just started building upon recently. I've reached out to the collection agency regarding this account as it shows it's from XXXX back when I was merely XX/XX/XXXX and unable to have opened any line of credit under my name yet they refuse to acknowledge this and continue pressuring me through letters and automated phone calls. I provided proof of my ID as well as filed and attached the FTC Identity theft report to provid valid proof and information that this account was opened under fraudulent methods and the repeated calls and letters being sent that they are doing are illegal yet no action from them has been taken to stop this. I'm already thinking of filing a police report if that to help me but at this point this is hurting me for something that I have no idea on what money they're trying to viciously collect from me. At this point I'm considering reaching out to a lwayer ot the state attorney general.
Product: Mortgage

My address is : XXXX XXXX XXXX XXXX XXXX NC XXXX. 
My home loan is with XXXX, For XXXX 2017, I submitted XXXX payments as I change my method of payment. I had to stop the first payment and before doing so I called the company on first week of XXXX, after VERY LONG wait an agent told me it 's ok to stop the first payment, so I did. 
second payment with additional principal went through. One week later I received XXXX statement with additional fee. Again I called after 26 min wait time, another agent told me she is going to ask her supervisor to look into this and I will get an email. Two weeks after I have not yet received any communication and I 'm not able to talk to them via phone as wait time takes longer than 30 min. I do n't know if extra charge is for additional principal payment or stopped first payment. But I should not be charged.
Product: Debt collection

I have tried to work out a payment arrangement with this company and the collection manager, refused to accept my payment arrangement. 

She has threatened to sue me on numerous occasions. She refuses to work out an arrangement with me because I can not pay what she has demanded from me. 

She have caused me XXXX XXXX
Product: Student loan

I have tried on several locations to create a payment plan that is affordable for my living situation and my income, and they refused to offer any payment arrangements. They have contacted distant relatives and people not even related to me to try and collect payment. They continue to call and harass relatives, and colleagues not only causing financial strain, but also causing emotional strain in my life.
Product: Credit reporting or other personal consumer reports

I have had my purse stolen. There was ATM Fraud as well as other Fraudulent activity, credit and charge cards opened fraudulently. Mt report is not accurate and incomplete. According to the fair credit reporting Agency, whenever a consumer reporting Agency prepares a consumer report it shall follow reasonable procedures that assures accuracy of the information concerning the individual whom the report relates to. 15 usc 1681 ( C ) ( B ) And According to 15 USC 1681I -5 they must do ( 5 ) treatment of inaccurate or unverifiable information ( A ) In general after any reinvestigation under paragraph ( 1 ) delete any of the information disputed. Please see the police report # XXXX XXXX XXXX XXXX  and attached FTC report XXXX 
Fraudulent accounts : 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