23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced my mortgage, original loan was with BBVA, new lender is XXXX. 

On XX/XX/2020 a payment was received by lender BBVA USA covering the total payoff amount to that day : {$250000.00}. 

Although payoff had been made, on the same day, XX/XX/2020, BBVA 's automatic payment system pulled the monthly XXXX payment for my BBVA mortgage in the amount of {$2300.00}. 

After I learned that such monthly payment had been made even if payoff had been performed, I called BBVA and after explaining the situation I was assured that I was going to receive a reimbursement of that monthly ( XXXX ) payment made in the amount of {$2300.00}. They mentioned that it should receive my reimbursement along with the one of my escrow account ( {$8200.00} ) in around 20 business days. Thus, I was expecting to get my {$8200.00} ( balance escrow account ) + {$2300.00} for a total of {$10000.00}. 

Although they had no reason to keep my money I waited for it thinking it is a standard process ( where they profit from their client 's money even if they have no reason to withhold payment ). 

Today, XX/XX/2020, I received an envelope from BBVA with a check in the amount of {$9800.00} ; only the check, NO EXPLANATION AT ALL, failing to comply with their duty of good faith, along other obligations. 

After calling BBVA to ask why I was not receiving my {$10000.00}, the BBVA employee explained that BBVA applied the monthly XXXX payment before calculating the payoff, EVEN WHEN PAYOFF WAS MADE BEFORE ON THE SAME DAY, and when previously another employee of BBVA had assured me that BBVA was going to reimburse fully the " XXXX '' monthly payment. Basically I should have received {$10000.00}, instead I received {$9800.00}.
Product: Credit reporting or other personal consumer reports

This Collection is already paid. XXXX XXXX XXXX number XXXX. 
According to the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify trough the physical verification of the original signed document contract any and all accounts you post on a credit report.

Otherwise, anyone paying for your reporting services could fax, mail or email in fraudulent account, I expect to see an original proof of the accounts that I am listing below.

Your failure to verify these accounts may hurt my ability to obtain credit, under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed in the top of this letter. Please note that I have opted out in writing to your forced arbitration terms and a willing to seek legal relief. 
I expect you to delete these negative accounts and provided me with an updated report within 30 days in accordance to the FCRA.
Product: Debt collection

I received a copy of my consumer report and noticed a late payment on an account that I am requesting to be updated to paid on time, never late. The account is as follows : XXXX - XXXX Your organization has contravened my consumer rights as outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681. This violation has caused me emotional distress and has recently induced suicidal ideation ; therefore, I request that this issue be resolved in a fair and equitable manner, in accordance with the principles and provisions of the FCRA. 

15 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose. 

Your agency is the creditor and the open end consumer credit plan is the credit card account of the consumer, which is me. 

Late payments can not be reported if the consumer was not notified XXXX  days prior to the due date. It should state " mailed or delivered '' to the customer. 

In addition to being in violation of federal law, the reported late payments have harmed me by defaming my reputation and constitute aggravated identity theft on the part of your agency. This is because I did not provide written consent for you to report this information, which is a clear violation of the Fair Credit Reporting Act 's permissible purposes section ( 15 USC 1681b ( 2 ) ).
Product: Debt collection

A month or so ago this firm has decided to garnish wages for an amount over 3 times what the original balance of the alleged debt was. The amount I owe their client on this charged off this alleged debt is {$1000.00}. They are garnishing my check for over {$3600.00} Im am being taken advantage of and exploited. They are extremely rude to deal with. Wont return calls and are making my life XXXX. This is from a debt that is over 6 years old. I had a payment arrangement with the client I paid over {$160.00} already on this alleged debt. I still believe this amount is incorrect because the alleged debt was paid on before. I lost my job due to THE PANDEMIC. I am just now getting back on my feet and this company continues to inflict harm.
Product: Debt collection

I received my first call from this company AFTER they contacted my former in-laws and gave them information about my supposed debt. My forme r MIL ...   former by 7 years ... .called me with the number to contact  XXXX   XXXX   at Brennan and Clark . She told me that   XXXX   claimed she was an attorney and that   I needed to get this squared away so I did n't get taken to court. This was the FIRST TIME I HEARD OF THIS COMPANY. How incredibly embarrassing. This debt is a recent debt from a car insurance company that cancelled my insurance. I called  XXXX  back. She apologized right away for giving away my personal information to " secondary contact ''  ( former inlaws ).  She knew right away that what she did was not acceptable, and illegal. I have NO idea where she got their information ... from a   XXXX   search of my name? This is when she got my phone n umber ( a number that has been the same for nearly 4 years ). This was under four weeks    ago. When she spoke with me, once again, she claimed she was from an attorney 's office. The debt is obviously mine and instantly I said I would pay half the debt within the hour and that she could call me to pay the rest in  one  month. She has been relentlessly calling while I 'm at work, for several days. She has le ft two add itional voicemails to " fix my debt '' but today left a threatening voicemail that their lawyer will contact me if not " fixed by   XXXX   XXXX  . '' I immediately called back and asked her if she worked for an attorney. She said no. I asked if she were part of an attorney 's office. She said no. I asked if any attorney 's worked in that office. She said no. She said she believes that a department works with some type of legal services. At that point she would no longer answer any of my questions and tried to send me to her supervisor. He did not pick up but his phone but his extension is  XXXX . I called her back to get more information but she will no longer pick up. Her phone number is  XXXX
Product: Checking or savings account

Us bank you have the complaint I'm not going over it I don't even know why I'm contacting you because you did nothing the first time
Product: Debt collection

In XX/XX/XXXX, I spoke to XXXX  XXXX XXXX which is their client and told I did not owe anything. I did received any letters from Transworld Systems regarding a debt with their client. Therefore, I had no need to think I owe their client any money. I requested proof of the debt and to contact client until then do not contact me via any communications. I did not receive any documentation with proof of debt. 
On XX/XX/XXXX and XX/XX/XXXX, I received emails regarding the same debt. At this point, this company refused to send proof of debt and have continued to contact about a debt not owed.
Product: Credit reporting or other personal consumer reports

XXXX XXXX never reached out to me in any manner to inform me that I had a balance of {$5.00} owed on my closed account. Once learning that this balance was on my credit report I have reached out numerous times to pay the balance. Nobody is ever able to help me pay this balance. The only suggestion that can ever give is to re-open my account. I am not open to doing that. I just want to pay my balance so that it is no longer reflecting a {$5.00} charge off. XXXX  either needs to remove this charge off from my credit report or allow me me to pay it to a {$0.00} balance.
Product: Debt collection

Commonwealth financial is reporting to collections outside of the statue of limitations. They are sending me to collections six years after a bill. They never sent me a bill nor contacted me. The statue of limitations to report a debt is 4 years this bill was from XXXX and didnt report it until XXXX. I want these bills removed immediately! It is in the amount of XXXX and some change. The company is changing their story and refusing to abide by the law.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I attempted to withdraw money from my Binance.US account but realized when I purchased my new phone, it did not transfer my XXXX XXXX  I still had access to my trading account. I filed a ticket with Binance.US and received an automated response. I immediately responded with all required information to have my XXXX removed so I could reinstall a new one. On XX/XX/2021 I received a response only saying that my ticket had been escalated and sent to the appropriate team. They updated their application for my phone on XX/XX/2021 and I have now lost access to my account completely.
Product: Credit reporting or other personal consumer reports

My personal information has been fraudulently utilized without my knowledge or approval, as I recently found out. I didn't know about these illegal behaviors until I received a notification or saw my credit report as of XX/XX/XXXX. These have been on my report since XX/XX/XXXX. Im not sure what amount of loan was taken place. Ive filed and identity theft report and have a FTC file. My identity was stolen, and I did not start, approve, or take part in any activity. In order to address this issue, I am dedicated to finding a solution and will work closely with the appropriate authorities, financial institutions, and credit reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my XXXX  report there is a collection of {$450.00} by I C System for XXXX. It says it it was opened XX/XX/2017. I just moved to an apartment in XX/XX/2017 and had cable from a cable company. I did try the seven day free trial of XXXX through the internet and it didn't work so I cancelled the same day. There's no way I can owe money on a free trial that was cancelled before the free trial expired. I did a dispute through XXXX XXXX but wasn't able to give much information, mostly just choose from topics. This was put on my credit report without any notice from I C System, which should be illegal. I haven't received anything from them. I hadn't heard of this company before.
Product: Credit reporting or other personal consumer reports

I am writing to address inaccuracies and incomplete information on my credit report that require your attention. I am disputing these accounts because your agency has not provided sufficient information to verify the debt. XXXX and XXXX have already corrected these inaccuracy in their records due to an identified error. I am confused as to how you have verified these accounts while the other bureaus have updated it. Therefore, I request that you correct these accounts on my credit file as it is inaccurate, erroneous, incomplete, or unverifiable. 

I am disputing the following accounts : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized credit inquiries on credit report XX/XX/2019, XX/XX/2019
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and noticed some fraudulent items that are in violation of the Fair Credit Reporting Act that needs to be removed. I am considering arbitration or litigation if these negative accounts aren't removed from my credit report. 

Accounts to be removed : XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX. XXXX XXXX XXXXXXXX
Product: Mortgage

My home was threatening foreclosure so I filed bankruptcy. I am presently in bankruptcy because of a balloon note. When I first entered into my bankruptcy my payment was {$1100.00}. Then it went to {$760.00}, {$840.00}, {$860.00} and now it is scheduled to go up to {$880.00} in XXXX. I spoke with XXXX from my mortgage company Mr. Cooper about a modification. What I would like is a fixed rate. I don't know if this is a modification or not, I presently have a balloon note.
Product: Credit reporting or other personal consumer reports

After reviewing my credit report I found that there were numerous significant errors. This has been badly affecting my mental health and in turn is affecting my everyday life. This is a gross misrepresentation of my credit and it is having an incredibly significant impact on me monetarily, on top of these errors there is the misrepresentation of my identity which is causing verification issues and fear of fraud.
Product: Credit card

To Whom it may concern, I currently serve as an XXXX member in the XXXX. I am moving overseas to XXXX, and taken on debt, knowing Barclays contract of 0 % APR and no annual fees, to cover the costs associated with a move across the globe. I wanted to bring to your attention to a cancellation of Servicemembers Civil Relief Act ( SCRA ) benefits by Barclays Bank on their Mastercard Gold Card that will likely put many servicemembers, including myself, in a financial bind, and at the very least is an abuse of those servicemembers ' good faith and trust in Barclays as a financial institution and lender. In XX/XX/XXXX, I, along with many friends currently in my unit, opened a Barclays Gold Card with an agreement that the SCRA benefits afforded to me would include a 0 % interest rate on both old and new purchases, balance transfers and cash advances ; no fees of any kind, which included waiving the annual fee of {$990.00} each year and charge of {$290.00} for each authorized user ; and no collection efforts. After reading that the waiver of annual fees was withdrawn from the offered benefits on XX/XX/XXXX. Over the phone with Barclays, I was assured that I have these benefits until year XX/XX/XXXX. The customer service representative said " my entire lifetime, as long as I held the card. '' I would be happy to hold these benefits as long as I am XXXX. On XX/XX/XXXX, I received a memo stating the annual fee would now be assessed each year, and I will be charged {$990.00} dollars. I will be XXXX/moving out of the Country as an XXXX member, and have utilized my Barclays XXXX XXXX to cover costs associated with an overseas move. I am worried I can not afford to pay off my credit card before the annual fee is assessed, and therefore, putting me into an even deeper financial bind. Barclays should grandfather the annual fee waiver until my XXXX service is over, in order to give me time to pay off my {$15000.00} balance that I acquired to support my overseas move. I write because I know of countless servicemembers who were deceived by Barclays, offered extremely high credit lines, most in excess of {$25000.00}, with the promise of 0 % AP. I now face the decision to either pay the balance and close their credit card, possibly putting them in a position of financial hardship, or pay the exorbitant annual fee. I hope you can see why this is an abuse of both servicemembers ' trust and the spirit of the SCRA, which has long provided XXXX members and Veterans a piece of mind in making financial decisions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed my dispute letters to the credit bureaus XX/XX/2021. It has been more than 30 days since then no dispute results yet. This is a violation of my rights and these negatives account need to deleted.
Product: Debt collection

In early XXXX, I told whoever was calling me from Portfolio recovery to stop calling me and to cease and desist all phone calls. I have since received 3 phone calls per week since asking them to do this. They then told me on a call I picked up that they ca n't cease and desist all calls and I pointed out they were in violation of the FDCPA due to the harassment statute.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is currently reporting an account on my credit that they advised me isnt on my credit. Equifax has not been reporting accurately. Please ensure that this account is deleted from my credit considering equifax has sent letter indicating this account isnt reporting. Ive included a copy of my credit report received from equifax that shows that please help
Product: Checking or savings account

Wells Fargo bank is compromising my privacy preference and refusing to direct their mail to my mailing address which is a XXXX XXXX XXXX as I indicated on my Wells Fargo account profile. all the Wells Fargo answers I received regarding this issue are misleading and excuses that are not related to this problem. 1- For more than Two years and more than Fifty complaints now I am trying to fix this issue with Wells Fargo that does not indicate any existence. it is like talking to walls. Today also I received a letter from Wells Fargo regarding my account to my physical address. The Wells Fargo employee 's policy seems to be that lies will wash the problems. The more lies those employees are doing the deeper the problem is getting. Wells Fargo has no managers on duty, the XXXX employees are working from the comfort of their homes doing whatever they please with the customer 's account without any regard to the laws and regulations and without any regard to customer privacy preferences. This bank has no website or email contact for complaints ; this is why most of their customers come here to complain. Even the Wells Fargo employees who answer to the complaints here do not tell the truth and do not try to find a solution, they only answer by misleading statements. 2- every time we sign into our Wells Fargo account, we face a large pop up that covers the whole page it is destructive and annoying and waste of time and tricky if you click on the page you will be switched automatically to paperless statement, it is difficult to find a way to close it and more difficult to get rid of it even after more than 6 months and more than 20 of complaints this issue has not been solved. Wells Fargo 's employees seem to be working without any supervision and the bank is running without good management. A good management for sure will not accept this to happen to the customers. At least Wells Fargo should respect the privacy of the customers and follow the privacy preference as indicated on the customer 's account. but to whom we complain other than to CFPB. when the Wells Fargo Employees and the supervisors and the managers and the CEO are never on duty to serve the customers, but they are always at the comfort of their home doing whatever please them without any regard to the customers. I am not expecting a true answer from Wells Fargo for this complaint as my last Two years ' experience convinced me that I will not hear the truth from Wells Fargo. Notice I have been a Wells Fargo customer for more than THIRTY-FIVE years and I never had to complain this way till Two years ago when Wells Fargo moved the customer service overseas, changed management and CEO. I attached copies of many of the Wells Fargo letters that I received illegally to my physical address and i have many more to be provided upon request. So, Wells Fargo can not lie again and say only one letter was sent to your physical address.
Product: Checking or savings account

On XX/XX/21 between the hours of XXXX and XXXX 21 fraudulent charges totalling to {$710.00} were made to my Direct Express account just hours after my SSI was deposited into the account. 
When I called Direct Express they could not start a fraud claim but did cancel the card and put in a request for a new one. They refused to stop the charges and also denied making a fraud claim as they were 'pending ' charges on the account and told me to call at XXXX the next morning ( XX/XX/21 ) .Not until XXXX XX/XX/21 was I able to get through their automated system to be allowed to start the process for a fraud claim. 
From there they said all fraud claims must be disputed through physical mail and that they would likely be mailing out the forms XX/XX/21 and required they received the forms back by XX/XX/21 regardless of the mail likely will not arrive to my address until the same week they expect it back. The representative said it could take up to 100 days to process the dispute and if they proved the fraud charges then I would be reimbursed. 
This is SSI money for a permanently XXXX adult who is incapable nor allowed to work. The bank offers no way to expedite reimbursement of such funds, no email or online filing option, and their phone service only is available in the middle of the night. This is cruel and unprofessional at best.
Product: Student loan

I attended XXXX XXXX University in XXXX, Ohio for my XXXX. During that time I was unable to receive grant money for XXXX costs, so I received a private student loan from Discover Student Loans ( Graduate Loan, for XXXX ) to help with those costs. I am now a XXXX but am attending a non-accredited University that is outside of the United States. 

Since the University is non-accredited I am not eligible for an in-school deferment. My income is a scholarship provided to me from a Federally funded organization here in the country for living expenses only and amounts to only ( after exchange rate ) XXXX USD. My minimum monthly payment for my loan is XXXX dollars, which barely covers the amount of interest I accrue each month, and pays almost nothing on the principal amount of the loan. 

I have discussed my options for repayment with Discover but have received little to no help, as the only option they give me is a reduced payment due to financial hardship, for a total of one year ( I have used six months already ). The reduced payment is XXXX USD ( so not much less ) and does not cover the amount of interest accrued every month on the loan. My income will not change for the next four years ( the length of my XXXX program here ), and I can not work another job while here ( as stated by my student XXXX ) and grant money received for research typically can not be used to pay personal expenses, only those that arise from research. 

My family is impoverished, and lives with a monthly income well below the poverty line of our county in Ohio, so I can not seek help from them. I also have already sold my only equity ( my car ) in order to try and pay off personal debts, and lower credit card payments. So I have no other sorts of income that can pay a large sum of this money.
Product: Payday loan, title loan, personal loan, or advance loan

Company refuses to have their supervisor contact me to resolve an outstanding matter. Company utilizes predatory tactics in violation of regulations.