23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Freedom Mortgage is refusing to give the rest of my insurance check claim funds to fix my house from Hurricane LaurXXXX which happened OVER 2 YEARS AGO. They have refused to engage in common sense talks to solve my issue and have done nothing but tell me lies. They changed companies who handle insurance check claims in the middle of us fixing our house and we have done inspections and guess what no money was released.The original amount for insurance was $ XXXX, and we got $ XXXX up front, but with inflation and labor shortages that money is long gone. We are almost finished with our house, but we are unable to finish or make more progress because they refuse to release the last $ XXXX of our money. They want to deny us from getting our money so they can keep making interest off the account, and my family suffers while we live in a tiny little camper. 

I have tried for the past 6 months to handle this with the company in every way possible, but they refuse to help me. We are at the point that we are going to re-finance with a different company just to get away from them even if it means us getting a worse finance rate. We didn't choose Freedom Mortgage, they bought our loan from XXXX XXXX, and by far it has been the WORST EXPERIENCE of any mortgage companies we have ever dealt with point blank.
Product: Payday loan, title loan, or personal loan

A personal loan was advertised to me through XXXX XXXX from XXXX XXXX. The application was filled out and approved on XX/XX/2022. 
XXXX XXXX has been sending me statements every month for this account. According to XXXX 's XXXX XXXX, a " Billing Statement '' is a written record prepared by a financial institution, usually once a month, listing all credit card transactions for an account, including purchases, payments, fees and finance charges. It may be mailed to consumers or provided electronically online. Also called a monthly statement or periodic statement. 
Accepting payment directly from me and redeeming the coupon/check is double dipping and is illegal. 
On XX/XX/2022 I sent the XXXX of Lending Point, XXXX XXXX, a letter with instructions and full payment for the remaining balance of the loan. That same letter was sent back to me on XX/XX/2022 along with a copy of the loan agreement and account statements. 
The payment was not sent back. The payment was kept. 
The balance does not reflect the account being fully satisfied. 
Lending Point has failed to uphold it's responsibility as the trustee to the trust and have not acted in the best interest of the beneficiary which is considered fraud. Lending Point has refused to accept my Negotiable Instrument as payment, however, Lending Point has never returned the negotiable instrument sent via certified mail therefore that is acceptance of value per UCC 3-603.

The payment has been made and Lending Point has refused to place a {$0.00} balance on the ledge paid by XXXX XXXX.
Product: Mortgage

I am submitting this complaint due to me reaching out to Selene Finance on numerous occasions concerning all the different letters that I receive from this company concerning my mortgage. I have gotten at least XXXX different letters stating XXXX different amounts then on top of that I got certified with a letter of intent after we had signed modification papers on XXXX/XXXX/2017 along with the first payment in which you guys asked for it in the document. I have attached the documents that I have an issue with. The sad thing is I have spoke with at least XXXX different people who continue to tell me our information has n't been updated and to keep calling but you continue to send me papers dated for XXXX/XXXX/2017 and XXXX/XXXX/2017 but I called on the XXXX/XXXX/2017, XXXX/XXXX/2017 and XXXX/XXXX/2017 so you definitely should have been able to deal with my issues or questions concerning our mortgage issues.
Product: Credit card or prepaid card

Hello, On Friday XXXX XXXX, 2021 I purchased tickets to fly to XXXX WA with XXXX other persons and made reservations on XXXX. On the XXXX website, there was a promotional offer for a XXXX XXXX XXXX XXXX XXXX credit card during the reservation activity that promised XXXX bonus miles AND a {$200.00} credit if used with the reservation. The ticket price was approximately {$3000.00} in total, and as a business owner, I was happy to qualify for such a card and saving {$200.00} was a very lucrative offer ( so I thought ). Upon checking the box to sign up for the credit card, it took me through the information scree to fill out all my personal info, including social security number. After completing all the steps, it stated I was approved, but I thought it was odd, since it didn't ask me for any business information. I then proceeded to try and get the card number, and it completely just froze and did not take me back to the screen to complete the ticket purchase. I waited several minutes to see an email with my confirmation, however after about XXXX minutes or so, I had to complete my ticket purchase or risk loosing out on securing the flight reservations. So I had to book the flight with another card. A few hours later I received the confirmation email, at which time I called American Express  and explained what happened, and wanted to try and do a balance transfer or something to allow for me to take advantage of the offer ( especially since they ran my credit and now I had been approved for a card ). Well, not only were they not willing to do anything, or offer any help, they told me that it was XXXX that had to fix the problem as it was their website. But I explained it was an American Express card. At that time the Amex person told me the card I had signed up for was not a promotional card at all, and it didn't come with any benefits whatsoever, and was just a normal Amex card. I called XXXX and pressed the options to speak with someone about the credit cards, and the XXXX 's phone switch - calling the main customer service number for XXXX- transferred me to American Express. I again explained everything to the second associate at Amex, and they did nothing. I told them this is a clear violation of FCRA and XXXX, and they should correct this problem and make this right to me as a customer, however they refused to do anything. I can not understand how this is legal since they are advertising this promotion, and I am willing to do what is needed to allow me to take advantage of what they are offering, however they are not allowing me to do so. I find their activity to be totally illegal and I am pleading with you the CFPB to help me and to admonish them for this behavior. I have taken screenshots of the advertisement offer, and happy to provide any details you need to substantiate my position.
Product: Checking or savings account

I bought a XXXX XXXX parts set for {$760.00} and during checkout, I realized that they do not accept any other means of payment but straight withdraw from my bank. Yes, it was stupid of me, but the price was good and my greediness took over, so I decided to give it a try. After couple of weeks tried to reach those guys over the email - no response. I was lucky to be able to talk to the same guy 3 times over the phone after hundred tries. I was told to wait two weeks all three times. And here I'm - it is already XXXX and no parts, no responses and nobody picks up a phone anymore. Interestingly that another company took care of the money transaction : XXXX XXXX XXXX, which has an address : XXXX XXXX XXXX # XXXX, XXXX, California, XXXX. The phone number is XXXX XXXX XXXX XXXX. I made some search on internet and found out that XXXX was established in XXXX of 2020 and since than some more people filed complaints about being cheated for about the same amount with XXXX and some wrote to other media company that help to spread info about fraudulent websites and merchants.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the XXXX data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this breach : XXXX : XXXX XXXX  Account # : XXXX Balance : {$52000.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # : XXXX Balance : {$3600.00} Account Status : Closed XXXX Account XXXX : XXXX Balance : {$9400.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # : XXXX XXXX : {$3600.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # : XXXX Balance XXXX {$12000.00} Date Opened : XX/XX/XXXX Account Status : Closed TRANSUNION XXXX XXXX  Account # : XXXX Balance : {$5400.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX Account # : XXXX Balance : {$3600.00} Date Opened : XX/XX/XXXX Account Status : Closed XXXX  Account # : XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX Account Status : Closed UNAUTHORIZED INQUIRES XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit card

I have a credit card issued by capital one ending in XXXX. I called customer service about XXXX weeks ago to question some charges that I was not aware of and reported to capital one. After calling them, Ironically they CAN NOT provide any information of the service, merchandiser or business making the charges! they could not identify or confirm who the charges were coming from. It is aprox {$1000.00} charge according to the phone call made XXXX weeks ago, and today XXXX of XXXX the customer service rep says now it is only {$600.00}. too many discrepancies and different inaccurate information provided by capital one. I never received any text message, letter or email about the fraudulent activity! 

Today, after calling again the customer rep, ONCE AGAIN, they asked " have you receive our outcome letters? '' NO!!!! I have no received anything from capital one! this credit card problem has been handle very very poorly! no communication exist, no wiliness to assist or anything! to my surprise today, the letter the stated that sent me says under the online documents on their website that " DUE TO INSUFICCIENT PROOF THEY CAN NOT CONSIDER THIS CASE AND FRAUD '' but Not even this capital one knows who were deducting the money! the have no clue or trace of who it was! 

in addition to that, I decided to close my account but they want me to AGREE that I will pay something I don't have, I did NOT approve nor willing to pay. so, I was not able to close my account either.
Product: Money transfer, virtual currency, or money service

I opened an account with Citibank in XXXX. I am XXXX, once I returned to XXXX having provided to warn that I was traveling it was a nightmare. I tried to speak several times on call, I can not call because I am in XXXX and calls cost a lot. they talk to me, they always identify me and it lasts 30 " on the phone, then the line drops and they do not resolve anything. They have closed my account several times and blocked online access. Violated my privacy several times with the excuse of security etc etc they control my payments. I have tried several times to transfer my money to an XXXX  account because I can not make some payments if not all online. What have they done? They closed my account. This is banking abuse! And they are causing me really serious damage. Because I am in my country with no money. I have everything in that account.
Product: Credit reporting or other personal consumer reports

The following inquiries appeared on my credit report without my knowledge or permission. 

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX  XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023
Product: Money transfer, virtual currency, or money service

There was a service that was posted on XXXX and they had a Cash App account come to find out this individual was a scammer who created a profile that wasnt legit and I pay them to secure a hair appointment and pay the deposit through Cash app and these individuals completely ghosted me never responded. I reported it to Cash app and they completely dismissed it with a text message. I wasnt able to call anybody and report it, but I did let Cash App know that Their company is a safe haven for scammers and they said thank you for the information.
Product: Bank account or service

On XXXX XXXX 2016, I opened a Citigold checking account on receiving a promotional code ( XXXX ) because I am an existing Citi XXXX credit card customer. The promotional code promised XXXX XXXX miles on completing bill pay and minimum spend requirements within a specified timeframe. 

I completed those requirements in the first week of XXXX, and the statement closed on XXXX XXXX. 

Citi representatives confirmed I am eligible for the promotion and that I have successfully completed all requirements ( correspondence attached ). 

I then waited more than 90 days, as per terms and conditions. 
I then followed up, and was told to wait more for a few days. 
I then followed up, and was told to wait more for a few weeks. 

As of the date of this complaint, my XXXX have still not been rewarded, despite them having been promised several weeks ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did a pay for deletion with Victoria Secrets and the vendor agreed to do a pay for deletion and remove the charge off from my credit report due to me settling the account. I settled the account for {$470.00} on XX/XX/14. This is still on all 3 reporting agencies even though they agreed to remove since i settled the account. I contacted them 30 days ago and they have not responded to my letter I sent 30 days ago, or responded to my email or received a call back from a XXXX like I was told.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under Portfolio recovery associate, acct # XXXX, XXXX XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX XXXX ACCT XXXX XXXX, XXXX XXXX XXXX  ACCT # XXXX, XXXX XXXX  XXXX XXXX ACCT XXXX XXXX XXXX XXXX XXXX services XXXX acct # XXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX 15 USC 1681 section 602 A. states I have the right to privacy 15 USC 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681c. ( A ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information and other adverse item of information other than records and convictions of crimes which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) a person shall not furnish any information relating to a consumer to any consumer reporting agency if The person knows or has reasonable cost to believe the information is an accurate
Product: Checking or savings account

I opened a Skrill account and transferred {$7900.00} between XX/XX/year> and XX/XX/year> I tried to make first withdrawal to make a payment on XX/XX/year> Then they locked my account. 
Now it says " Your Account is Restricted '' and I can not do any transactions. It has been a month and my {$7900.00} is hostage with them. 
I sent support requests. Other than the automated message, there are no updates. 
I talked to them once and they said they will resolve in 2 days but there was no message or no resolution. 
Later I tried to call them XXXX times, spent more than XXXX hours on hold combined and unable to make a contact with them either by email or phone. 
Very concerning.
Product: Vehicle loan or lease

On the date of XX/XX/23 I enter into a consumer transaction with Huntington Bank. since then i discovered that the automobile contract miss-represented the transaction as a loan, which violated the Truth In Lending Act. 

The company charged me for interest without providing any benefit. Additional insurance charged were not included in the finance charge as required by the Truth In Lending Act. The act clearly states that the finance charge should include the sum of all charges, including interest, premium or other charges for any insurance protecting the creditor against the obligors default or other credit loss. However, as i look at my contract there is no mention of my insurance being included in the finance charge. Huntington bank failed to include an inform me the insurance cost were part of the finance charge, which must be explained conspicuously and clearly, but it wasn't which violates my federally protected rights. 
I sent a notice of dispute on the date of XX/XX/23 and the received and signed for on the date of XX/XX/23 USPS certified tracking # XXXX XXXX XXXX XXXX XXXX XXXX. 




See attached XXXX XXXX
Product: Checking or savings account

On XX/XX/18 I purchased tickets using XXXX through Chase Bank. I paid {$250.00} directly to the sellers quickpay account. Five minutes after not receiving the tickets, I contacted Chase Bank immediately. They said that there was nothing they can do. Not even provide me with what financial institution the money went to. I dont understand how Chase can not protect our checking account from fraudulent activity. They were notified within minutes of the transaction. Why couldnt it be stopped? 
We should not be offered a service that will not protect our money. Why cant chase help their customers be protected from this?
Product: Credit reporting, credit repair services, or other personal consumer reports

15. They have violated US Credit Reporting procedure according to ; U.S.C 1681 Section 602 A. States I have the right to privacy.

15. U.SC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not a account without my written instructions. ( None Given.

acconts 15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. ( They are and have.. 

There is a public record on the Report .of XXXX XXXX Ilegally reporting -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- A number of accounts with inaccurate dates of age of delinquencies
Product: Credit card or prepaid card

My Credit card account was abruptly closed on XX/XX/XXXX by citi bank over what seems to be a question regarding a billing dispute. I have a credit score over XXXX I have never been late, accrued interest, or missed a single payment in 4 years. This is nearly 2 weeks prior to when reward/cashback payments are to be made for spending over the course of the XXXX fiscal year. Over the course of the fiscal year I have earned {$1000.00} in cash back rewards which were to be paid with the XXXX statement. Additionally I have a - {$1000.00} on the account in over payments/merchandise returns that has also not been paid back to me. I have contacted the executive office of Citibank as requested with no solution no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my multiple request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX .... Balance : {$1000.00} ; XXXX XXXX XXXX XXXX. Balance : {$360.00} ; XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX  Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX ; XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX Inquiry : XX/XX/XXXX ; XXXX # XXXX Inquiry : XXXX XXXX, XXXX ; XXXX XXXX Inquiry : XXXX XXXX, XXXX
Product: Money transfer, virtual currency, or money service

I joined coinable early when it was relatively new. I was a bitcoin investor and miner. I would mine bitcoins and send my earnings automatically to coinable and I would use coinbase to buy bitcoins. One day my account was banned and I was given no explanations no amount of time I contacted them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was promised by several representatives from XXXX XXXX XXXX XXXX Department that they were able to remove late payments from XXXX XXXX. It never occurred and I've also sent goodwill letters hoping they would follow through. Again, nothing ever happened. My payments have been current for the past nine months. One of the representative that I spoke to name is XXXX on XX/XX/2018, reference # : XXXX.
Product: Credit card

An unknown party without permission or authority to do so did attempt to open a Capitol One Card in my name