23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

Well, I called bank of America due to a charge I did n't authorize on XXXX XXXX, and noticed, because I got an alert about my account. So, I called optimum and they said at this point they ca n't help me get my money back, but my bank should be able to help you. So I call bank of America customer service and get the nastiest lady on the phone, she does n't even let me finish, and I explain my problem and she says there 's nothing we can do for you bye and just hangs up! I am upset and thrown back by this! I get a call from the claims dept, and call back and nobody answers or calls back ever!! I have called twice already and left messages and nothing. At this I do n't want to deal with anymore rude people from the bank and just want the bank to plz reimburse me my {$210.00} I never authorized to be taken out my account.
Product: Mortgage

XX/XX/2021 - receive Escrow review indicating monthly payment will increase {$600.00}. BSI used incorrect property tax figure. 
XX/XX/2021 - BSI tax department obtains correct property tax amount and acknowledges to us it has done so. Promises to recalculate monthly payment based on correct amount. 
XX/XX/2021 - date by which BSI promised to provide a revised ( lower ) monthly payment would reflect correct property tax amount. 
XX/XX/2021 - most recent call to BSI, resulting in third message on voice mail of escrow department, with no return call
Product: Mortgage

We closed on a refinance with Freedom Mortgage on XXXX XXXX, 2016. On XXXX XXXX I was told to cancel auto payments and to NOT make payments for XXXX and XXXX. However the autopayment had already gone through on XXXX XXXX. I called customer service to cancel the autopayments and was told we would be refunded the {$1100.00} payment made in error two weeks after closing. It is XXXX XXXX, no refund check and no one at Freedom Mortgage is willing to help me figure out what happened to our money. I called customer service who said they have no notes about a refund, but opened a ticket and I never heard back. I called the closing agent, XXXX XXXX XXXX, and they said they had no notes about a refund but sent an email to Freedom Mortgage. Never heard back. I called the loan processor, XXXX XXXX. She talked to her supervisor, XXXX, and said the payment made in error was included in the payoff. But they told me to call servicing who said a refund of {$1800.00}, a combination of the surplus payment and escrow money was due to us and to call back if we do n't receive it by XXXX/XXXX/16. No check. I called servicing again today and the agent could n't help me and transferred me to the Escalation department. The Escalation department told me again the XXXX XXXX payment was taken from our principal and we were not due a refund. I asked what is the {$1800.00}. She investigated with her supervisor but in the end could not give a response, and transferred me to a voicemail. I finally hung up. To say I am frustrated with Freedom Mortgage is an understatement. I ca n't find a single person who is willing to sit for 2 minutes to really understand what happened to our money. I just looked on my closing statement and the amount to be paid off was {$170000.00} with an escrow credit of {$610.00}. The payoff posted on my account is XXXX. If I subtract {$170000.00} from {$170000.00} I get {$610.00}. The XXXX XXXX payment for {$1100.00} was NOT included in the payoff. The closing statement was based upon the fact that we would not be paying XXXX and XXXX so the XXXX XXXX payment was not considered when the loan was paid off.
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS XXXX XXXX XXXX XXXX XXXX XXXX  A. STATES I HAVE THE RIGHT TO PRIVACY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.
Product: Mortgage

Wells Fargo Home Mortgage has established a scheme to prevent its customers from legitimately paying down their mortgage by paying on a bi-weekly basis. They hold on to a policy that says that they can not accept partial payments, when in fact this is not the case. They will hold funds in an " unapplied '' status until the second payment comes in. They are getting the payment interest free from their customers, and charging them interest in the interim. I had made an extra XXXX payment, then proceeded to establish a regular bi-weekly payment for the following month. I received a notice stating that the " balance was due '' on my mortgage account. It is an utter lie. This must be stopped! We taxpayers bailed these banks out and this is the way our government allows us to be treated and it is totally unacceptable.
Product: Credit card or prepaid card

My unemployment is direct deposited to my American Express Bluebird account. I went to check my balance last night ( XX/XX/2020 ) and couldn't login. I then called the number on the back of the card ; the pre-recording in turn says an email has been sent to the email address on file. I check my email to find that Bluebird has permanently suspended my account. I had no warning or anything. The problem now is where did my unemployment money go and the money I still had in my account. I am furious! I've since changed my unemployment direct deposit on XX/XX/2020 but it wont take affect for a couple of weeks. So I am now losing my only means of survival. Please help me get my money back.
Product: Checking or savings account

Navy Federal constantly has pending charges for debit purchases that they rearrange so that it would appear that your account has overdrafted, causing overdraft fees even if your account is not negative
Product: Bank account or service

subject..wells fargo..item XXXXthis occurred about XXXX months ago..originally in 2012 i opened a savings acct. that was valued at XXXX figures to be used for payments during our house renovation..when it was finished. i left approx $ XXXX in the acct.and transferred the balance left to investments accts ... the XXXX was for emergencies..several months later i noticed a slight change in the value of the act ... i opened it up and discovered wells fargo was deducting {$25.00} per month..the explanation was ..when i opened the savings acct. with XXXX figures it was considered a premium acct ... .when it dropped below XXXX it lost this status ... thus the $ XXXX. charge ... by the way..interest was .03 % ..they gave me what was deducted back ... but most important ... .they never told me of this possibility ... ... .How many do n't know this is happening to their accts. pls. pass this on to the XXXX committee that is taking wells fargo to " task '' item # XXXX ... .again wells fargo..i physically went to local branch to pay monthly mortgage ... ..teller made mistake of posting payment to my credit acct ... .i was dunned..2 weeks later for non payment ... ..then it was discovered that the posting was to the credit card acct ... ..bring this to the same senate committee ... .the error took a few seconds..by the teller making a mistake ... ... to resolve this problem when they found what happened ... took XXXX 1/2 weeks ... if it takes only few seconds to create an error ... ... .why ca n't it be fixed in a few seconds also? ... ..pass this on to the senate committee
Product: Credit card or prepaid card

GOLDMAN SACHS AND CO Balance {$7200.00} Balance updated XXXX XXXX, 2023 I closed this account years ago and it was fraudulently changed to another person It was a GM card and I was never given any notice of the change.
Product: Mortgage

II am a XXXX XXXX veteran ( XXXX and XXXX and XXXX ) I XXXX XXXX XXXX in war, my family and I going through rough times and XXXX hit us too and made things more hard for me and my family to live normal lives, we also have an XXXX son that my wife needs to be with 24/7 she can not work, I was also diagnosed with XXXX and on XXXX and Can not work, we been requesting a forbearance from our mortgage company serviced by Carrington for the last 2 months, we were on a forbearance and it was 3 months only and we asked to extend until we find a solution to find funds to help us pay this unpaid late mortgage to bring us back to normal payment, this servicer is keep denying the forbearance extension and refer out mortgage to XXXX  which is XXXX XXXX XXXX XXXX and there address is XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX XXXX. they not only trying to foreclose on me but they hyped the up the mortgage balance XXXX what I owe to XXXX this is an outraged number and a big scam by this XXXX XXXX XXXX, please Carrington is making a mistake after a mistake trying to foreclose on me I been submitting the forbearance request over and over on line via the portal like I was instructed and keep denying it and not sending me any proof of why they keep denying the forbearance. Please I need my home, we have no where to live. my family and I have no money or other means or resources to financially support us. please help us please. thank you and god bless.
Product: Debt collection

Back in XXXX I ordered a product called XXXX - flexible blue tooth led screen. From XXXX XXXX XXXX XXXX. That evening I was informed by my bank that the transaction was denied for fraud protection reasons. So I requested it be canceled. Paypay.Inc of which I was going thru took it apon them self 's to process the order thru a back up payment option, which I did not authorize. I contacted them about it and they temporarly refunded me the amount for the purchase pending a review of the case. They said they contacted the seller and have since said the item was delivered and are requesting the money be sent back in return. I refuse to do this for the fact that to this day XX/XX/year> I have not received the product at my residence. I have worked for the XXXX Postal Service for XXXX yrs and have search for this item and can see where it is said to be delivered but never has it showed up at my residence and my wife can vouch for that. It may have been delivered to the wrong address or stolen but I can not provide proof of that. 

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

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT HAS BECOME VERY HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO KEEP IN MIND THAT THE ACCOUNTS DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Mortgage

Hello my name is XXXX XXXX and my husband 's name is XXXX XXXX. We are writing to you to explain the details as best as possible for the mess of mortgage loan we currently have with the Servicer American Servicing Company. We took this loan out in XXXX and refinance it in XXXX not knowing the bad/predatory mortgage we were entering into. We entered into an adjustable rate mortgage in which payment doubled from XXXX to XXXX per month in the third month, but that really was n't the issue at first until my income was gone and we solely relied on XXXX income my husbands. I start falling behind on my mortgage and It took roughly 3 years from start to beginning for the mortgage company to make a decision and finally give us a loan modification. Now because of the amount of time it took the mortgage company to make a decision we are paying for a mortgage that is XXXX underwater. The unpaid principal amount is XXXX and the value of the property is roughly XXXX. We were sending documents after documents and speaking to a representative in that time span, but they would not make a decision. At XXXX point they gave us a trial modification payment plan in which we paid as we should of, but they ended denying us and putting us back to apply for a modification. I would like for the lender to consider us for a principal reduction since I truly believe the arrears with have not been as high if the Servicer would had made a decision for a loan modification. It took them from XXXX to XXXX to finally approved me for a modification.
Product: Mortgage

I have received harassing letters from PHH Mortgage, almost weekly since XX/XX/XXXX, stating I owed money for insurance in an escrow account I do not have. I pay mu own insurance and taxes separately, I have on numerous times given the mortgage company my insurance policy information. I have called numerous times to work this out, no one wants to help or resolve this, they just continue to send me the same letters over and over, and now I have 2 letters of intent to foreclose. I don't know what to do. they have even tapped my credit twice, XXXX and in XXXX. I have given them everything they have requested. I am getting no where with them, same story month after month. I just want this to be cleared up and my credit fixed
Product: Mortgage

To Whom It May Concern, I am submitting this complaint regarding Freedom Mortgage and the inconsistent, misleading, and potentially fraudulent charges on my mortgage account following a forbearance period. 

I have a mortgage with Freedom Mortgage, with a principal balance of {$230000.00}. 
After my forbearance period, Freedom Mortgage is now claiming I owe an additional {$73000.00}, but : This was never communicated to me in writing. 
It does not appear on my mortgage statements. 
I was never provided any documentation explaining how this amount was added. 

I am now in the process of selling my home to help cover my parents ' healthcare expenses, but Freedom Mortgages inconsistent and unclear statements about this additional {$73000.00} are creating confusion and hindering my ability to move forward. 

Lack of Transparency : Freedom Mortgage is not clearly explaining this additional charge - per the CARES Act states no penalties from forebearance but this seems like a penalty. Also the additional tacked on months have been included to my loan but why the {$73000.00} in addition?

Unexplained Loan Modification : They claim a modification agreement was completed in 2022, yet have not provided it to me.

If Freedom Mortgage added this amount without proper disclosure or consent, this may be a violation of the Real Estate Settlement Procedures Act ( RESPA ) and Truth in Lending Act ( TILA ).

Impeding Sale of My Home : The conflicting statements from Freedom Mortgage are delaying my home sale and creating unnecessary financial hardship.

Investigate Freedom Mortgages actions regarding this unexplained {$73000.00} balance.

Require Freedom Mortgage to provide : A detailed breakdown of how this charge was calculated.

A copy of any modification agreement they claim was done in 2022 I dont have that information.

A full payment and loan history to verify the accuracy of their claims.

Ensure Freedom Mortgage is compliant with CFPB regulations, especially regarding fair and transparent loan servicing.

Prevent any negative impact on my credit score or financial standing due to this issue.

I request that the CFPB investigate this matter urgently and require Freedom Mortgage to correct any errors and provide clear, documented communication regarding my mortgage balance.

Please confirm receipt of this complaint and advise on the next steps. Thank you for your assistance in ensuring mortgage servicers act in compliance with federal laws.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence i provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hard inquires showing on report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email XXXX weeks ago about a checking account that I had opened at XXXX XXXX- except I never opened any accounts there. It seems somebody got a hold of my Social Security number, my birthday, and other vital personal information and were able to make a checking account in my name. I have since closed it with XXXX XXXX XXXX, I froze my account on all three credit reporting agencies, And I even filed a police report for fraud. Then I got XXXX credit cards in the mail in both my name and a mans name, to an old address that I have not lived at for XXXX years. I am afraid that because this man has all my information he will keep trying to do things using my identity. This is basically a case of identity theft, and I do not want somebody to continue to use my information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sent in a handwritten dispute to XXXX on XX/XX/XXXX about an account on my credit report reflecting inaccurate information. The account in question is XXXX /XXXX. The original dispute was regarding the high limit and close date which I disputed as incorrect. This request was sent to XXXX on XXXX according to XXXX dispute department. By XXXX the account had already came back as verified and belonging to me. However I noticed a shady tactic sometime used by creditors. The account updated on my Experian credit report also. What I discovered is that XXXX/ XXXX did one of twin things. Either they re aged the account ( the account now says it was 1st reported in XXXX but I have proof from previous credit reports that it was definitely reporting before then ( see attached credit reports ). Or they deleted and then reinserted the tradeline back to my credit report making it appear as if the negative was very recent, when in fact this account was discharged In bankruptcy in XXXX of XXXX. This account has been disputed with each credit bureau and somehow XXXX is able to report whatever they want on my credit bureau, without actually validating the debt or anything. They sent me no documentation, no statements, no proof at all as to how they validated the debt. The high balance was disputed and I asked in writing how they were verifying the high balance. Now, not only is the high balance unverified, they have changed the first reported date to reflect XXXX of XXXX. This information is inaccurate, along with the close date and the high balance. Can u please validate this account and show me firm proof of how the high balance was calculated and I also would like to know what XXXX, Experian and XXXX have in their files pertaining to when this account first reported because the date Im seeing on my credit bureau is not correct at all, neither are the high balance and close date! I request this erroneous information be immediately removed as it is hindering my ability to seek credit! I have already been denied loans and credit because of this inaccurate information!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting XXXX Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX 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 reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX : {$3300.00} ; XXXX XXXX XXXX XXXX XXXX {$3700.00} XXXX XXXX XXXXXXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX Balance : {$520.00} ; XXXX XXXX XXXX XXXX Balance : {$14000.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1600.00} ; XXXX XXXX XXXX : {$2500.00} ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX