23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

In XXXX of XXXX I applied for a home equity loan with XXXX XXXX XXXX bank in XXXXXXXX XXXX. I made all the payments as required. XXXX XXXX XXXX was bought out a few years ago by TRUIST. 
I received notices that the interest rate will increase, so I paid the loan off. I continued to get statements that show a zero balance. Some months later in XXXX, I received a bill for a {$50.00} Fee. I went to the bank and talked with a loan officer, and she said it would be resolved. I received another bill in XX/XX/XXXX for a {$50.00} fee and talked with another loan officer and he was no help. I finally had a chance to get to the bank in XXXX and explained the situation to the loan officer XXXX. He told me that to get it resolved I would need to pay the {$100.00} and call a number after two days. I paid the fees and now I am filing a complaint against Truist bank. I would like to get my money back and I hope the bank changes their policy.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX  XXXX Balance XXXX {$460.00}, XXXX XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX XXXX : {$25000.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$15000.00} XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$16000.00} XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$110.00}, XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX Balance : {$560.00}, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$790.00}, XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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 XXXXXXXX XXXX XX/XX/XXXX
Product: Prepaid card

Purchased AMEX eGift card directly from AMEX on XX/XX/XXXX XXXX in the amount of {$750.00}. In my many attempts to use the card, transactions have been declined at XXXX, XXXX, XXXX ( my regional trash collection company ), and XXXX XXXX, all via online transactions at their respective web site payment portals. I have called the phone number provided on the AMEX eGift Card ( XXXX ) several times, but found it to be 100 % automated, with no ability whatsoever to access a human, and none of the automated decision tree options are relevant. Note : their automated system does provide a blanket statement to all callers that ( paraphrased here ) 'due to fraud issues, online transactions are often rejected, and that the solution is the cardholder USE THE CARD ELSEWHERE ... '', which is an absurd " solution '' for a card that is advertised as " Your American Express XXXX Card may be used at US merchants that accept American Express Cards '' ( printed on the actual eGift Card, and plastered on the website where the card was originally purchased ). I don't want to use it " elsewhere, '' I want to use it at the place ( that does indeed accept AMEX ) I was tryinig to use it at. Further, while I was successful in using this now semi-useless eGift card at a few generic retailers ( XXXX, for ~ {$25.00}, and a local city recreation department class signup for ~ {$22.00} ), I have not been able to retrieve my card balance or view transactions on the AMEX " balance '' website at https : //balance.amexgiftcard.com/. I have tried to use this site at least a dozen times in the past 2 weeks, with the results always being several error messages -- one red error message at the top of the page reading " The system has experienced an unknown error. Please try again later. '' and an inline error under the " Transactions '' section of the page that reads " Error Retrieving Transactions. '' And additionally, under " Available Balance, '' the line is blank. At this point, the card is nearly useless as I can not use it for the intended purchase of paying several bills -- since my attempts have all been declined. It's frankly, embarrassing, that a company with the long-standing business reputation of being 'best in class ' would offer such a fundamentally broken product to its " valued '' customers.
Product: Mortgage

Dear Sir/Madam : I am not certain if I am contacting the correct agency, but need assistance filing complaint against Wells Fargo regarding a mortgage. Shortly after hurricanes Katrina and Rita ( 2007 ) my mortgage was sold to Wells Fargo- which is to say it was the start of my problem. Although I have a fixed 30 year mortgage for the past 2-3 years my mortgage payment has varied with Wells Fargo. After numerous complaints, Wells Fargo stated the reason is that either : ( 1 ) my escrow was underpaid ( although I did not have an established Escrow account ) ( 2 ) Wells Fargo stating the bank is now paying my Real Estate taxes- which I previously paid on my own for the past 18 years, and still will pay on my own ; ( 3 ) Wells Fargo stating the fluctuating amount is due to upcoming taxes of less than {$520.00} ; however, Wells Fargo is erroneously collecting as of today 's date over {$1000.00}. For approximately the past twelve months Wells Fargo has added initially XXXX to my principal and interest, stating the bank is now paying my Real Estate taxes which amount annually to {$520.00}. within the past 12 months, my total payments consisted of {$800.00}, {$79000.00}, and now {$740.00} although the

principal and interest of this account is {$650.00}. I do have {$550.00} in unpaid late charges to which its my understanding that I can pay at the end of the term of the loan, but it's my belief, Wells Fargo is collecting the additional fees to collect the unpaid late charges in additional to an overage for unknown reason ( s ). After filing numerous complaints with Wells Fargo I am told its the bank rights to collect the upcoming taxes. although the amount exceeds my annual real estate taxes. and that Wells Fargo has the right to collect and apply the overage to my principal without my authority. At this point, my monthly mortgage has increased from {$650.00} to {$740.00}, but five months ago my monthly payments were {$790.00}. Any assistance or referral you can provide will be greatly appreciated.
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 XXXX 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 XXXX XXXX XXXXXXXX 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: Student loan

I opened a student loan ( with my father as the co-signer ) on XX/XX/XXXX for a Disbursement of + {$3100.00} to attend College. A year later, while still attending school, I needed more money for books so on XX/XX/XXXX the same loaner loaned me a Disbursement of + {$2700.00}.

For the last 12 years, I have been paying on this loan never missing a payment. At least 3-5 times my loan has been sold to other companies, without my knowledge and/or approval. In addition once my loan was sold to other lenders, the other lenders hit me with higher interest rates that I never agreed to or had knowledge about. I continued to pay my student loan every month.

My records show on these dates below, throughout my loan, interest was capitalized on these days :XX/XX/XXXX

I have made monthly payments on this loan every month since XX/XX/XXXX, my student loan bill always has a different amount due. I have went from a $ XXXX/month payment in XX/XX/XXXX to a $ XXXX/month payment this year in XX/XX/XXXX. I have kept records of all my payments made.

According to my lender my current balance due to pay off this account *today* is {$5900.00}, although I have paid for the loan 12 years never missing a payment, and 12 years ago only borrowed a total of {$5800.00}. With that balance left I would be again paying them for a third time entirely for what I borrowed! My records indicate that due to the longevity that I have paid on this loan, I have now paid off this student loan entirely twice with interest! I feel the agreement set forth by the original lender was never met, due to my loan being transferred/sold, due to interest rates being changed without my knowledge. I feel the terms set forth on this loan are & have been unfair. In addition, because my father co-signed for me while I was a young student & I make all the payments myself for the last 12 years, I would like my cosigner to be released from any financial responsibility & obligation on this loan.

When I tried to resolve these inconstancies with the lender yesterday to close my account, I immediately got some link sent to my email for an interest rate reduction. I was also told I can forward a letter to the sender with a request to settle amount. However, I do not desire an interest reduction ( after 12 years this is the first time they offered ) nor do I feel a settlement amount is fair for I've paid them twice & they are billing me now a third time. This lender currently shows my balance after 12 years of payments very close to what I originally borrowed. I feel I have paid this lender in full already as my amount totals in payments to twice that of what I borrowed. I feel that the lender/s are being unfair on this private student loan & would like some professional assistance in reviewing. Thank you very much. I have copies of all my payments & statements I am attaching to this complaint as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2019 filed dispute with transunion because account number XXXX is reporting inaccurate payment history does not match with other credit bureau 's amount XXXX $
Product: Credit card or prepaid card

Shredding my personal information on XX/XX/XXXX I discovered a check from XXXX XXXX, XXXX. XXXX XXXX, XXXX, De XXXX that I did not cash. The check was dated XX/XX/XXXX. The amount is for {$300.00}. I called US airways master card at XXXX and asked to reissue the check on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time I was given a case number and told they would reissue the check in 7-10 days. The case numbers are XXXX, XXXX, and XXXX. <P/>The first letter dated XX/XX/XXXX processed a credit balance refund on my account. Enclosed is a credit balance refund check in the amount of {$300.00}. I never cashed the check, still have the original. I have a letter from US airways mastercard dated XX/XX/XXXX stating that they regret to inform me that your US airways mastercard account is closed. We made the decision to close this account because it has not been used for an extended period of time. I actually forgot to call to activate the new card they sent me. <P/>I have another letter dated XX/XX/XXXX, account ending in XXXX. This letter is in response to your recent inquiry on your ( now called ) XXXX XXXX mastercard account. It states that we are currently unable to complete your request to reissue my check. This is the last letter that I received from them.
Product: Checking or savings account

I was reviewing my bank account that I use for my second job. As this is for my second job, it was not checked as often as I should have. But on XX/XX/XXXX I reviewed my account and saw a few large purchases that were not made by me nor did I authorize anyone to make. I contacted chase bank and informed them of this. They began to ask me about every charge from XXXX to XXXX and I informed them I was driving and couldnt check every purchase at the moment and the claims department informed me they would just submit the claims for the three I was most concerned about. Few weeks later they deny the claim because my pin was used and because I didnt claim enough charges. I told chase that my pin was stupidly set as my girlfriends birthday, anyone who knows me could guess that. I called chase back and they told me I would need to go through all my records and dispute as much as I could I went through all my charges and called chase back. They told me they will not review the prior claims again and that I should have disputed more and there was nothing I could do. I even informed them from the beginning my card, ID and my cell phone were stolen. They are refusing to investigate any further on those three charges. 
Those charges are : XXXX XXXX XXXX XXXX XXXX XXXX  {$290.00}, XXXX  {$83.00}, and XX/XX/XXXX for XXXX {$110.00}. 

I informed chase I havent shopped at these stores in probably more than 7 years. Again they said they will not investigate further. 

I know went through all my charges and today, XX/XX/22, disputed : XXXX {$35.00} XX/XX/22 XXXX  : {$8.00} XX/XX/22 XXXX XXXX  : {$12.00} XX/XX/22 XXXX XXXX : {$11.00} XX/XX/22 XXXX : {$11.00} XX/XX/22 XXXX XXXX XXXX XXXX {$13.00} XX/XX/22 I am concerned they will once again just say no and not allow me any further action like they are with the first 3. This has been incredibly stressful and chase has only made matters worse. 

The first time I disputed they sent me another card, and today I learned that the person with my old phone that has XXXX XXXX hooked to my old card can use my new card as well. After I told them it was stolen! What are they thinking.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've updated my information with all agencies. Credit Karma will not updated my information. All I get back are generic email messages. No contact information to speak with any one about this problem. I have emailed several times and continue to get the run-around.
Product: Checking or savings account

On XX/XX/2022 USAA called XXXX XXXX and told him there was fraud on his checking account in the amount of {$3000.00}. They indicated they were sending it to the fraud department. Someone had got into his account and found my checking account information in his account that had been in there from years ago and pulled the XXXX out of my XXXX account ( XXXX XXXX ). They tried to put it in XXXX account but USAA pulled it right away and reported fraud. We have called USAA every week since the XXXX and have been told it will be back in my account within 3-5 days. Nothing ha happened yet.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXXXXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX
Product: Debt collection

I received a email from XXXX XXXX about a collection on reported on my a XXXX XXXX credit report XX/XX/2020 this was the first I even new someone was trying to collect a dept. On XX/XX/2020 I disputed threw XXXX XXXX and came back accurate. Don't know anything about this bill it from IC Systems Collections for {$460.00} stated the the original creditor is XXXX XXXX XXXX. I again Disputed the collection XX/XX/2020 this time directly threw XXXX XXXX web site. This time the results came Not Specified and changes were made. I called XXXX XXXX and they did know what that results meant. I asked them if IC Systems provided any documents proving that this is my debt and stated no. This is not my debt and want removed from my credit report.
Product: Mortgage

My loan originated with XXXX XXXX XXXX and after several years was sold to XXXX XXXX. In XX/XX/XXXX it was transferred to NationStar Mortgage and on XXXX XXXX I sent them the following inquiry ... 
" On XX/XX/XXXX XXXX Mortgage Services transferred the servicing of my mortgage to Nationstar. I received a letter from Nationstar in XX/XX/XXXX stating my account was paid ahead and not due until XX/XX/XXXX. It also stated, " If you wish to leave your account paid ahead as is, you do not need to do anything. However, if you wish to have your extra payments applied towards your principal balance, please contact us at XXXX to speak to a Customer Service Rep regarding how you would like your funds applied. '' I called the number and spoke with XXXX who proceeded to tell me that my XXXX payment was all applied to principal and all other payments between then and XX/XX/XXXX would be applied to principal. I have yet to understand why that would happen, but I continued to pay a monthly {$480.00} payment and was happy to have it reducing the outstanding balance. Now I have passed the magic date of XXXX and my monthly payment due of {$440.00} is reflected on my statement. I have continued to make a monthly {$480.00} payment with the additional {$31.00} to be applied to principal. Now I need someone to explain to me why only the additional {$31.00} is the only amount being applied to principal. Before Nationstar my monthly payment was applied to interest then principal. Since the principal balance was reduced by XXXX {$3800.00} between XX/XX/XXXX and XX/XX/XXXX, there should be a little less interest accruing each month ; therefore, more of the payment being applied to principal. " Subsequently I received a reply stating, " Due to the nature of your request, we ask that you please call us directly so one of our Customer Service representatives may assist you. Please call XXXX XXXX XXXX XXXX. '' On XXXX XXXX I called the number provided and spoke with a woman who, after conferring with someone away from the phone, told me the payments were being applied as such to catch up the outstanding interest. I replied to her that could not be accurate and requested to speak with someone else. A man eventually came on the phone and after reviewing several of my past statements and running some calculations, agreed that something was not right. The statements for the amount due provided a breakdown of principal and interest ( i.e. Principal {$100.00}, Interest {$340.00} XXXX, yet my payments were being applied as stated above. He told me he would have to take the situation to a higher power and would call me back with an update. He did call me the next day and left a message that the situation was being worked on and he would provide an update later. I have reviewed my transaction history several times since his message ; seen no changes or adjustments and have left three voice mail messages at the " direct number '' he gave me. My most recent payment due XXXX was posted on XXXX in the same manner as the previous two ; all to interest except for my additional payment to principal.
Product: Debt collection

Saw on my credit report that there is a collection for {$970.00} but I don't know what it is for since I did not incur this debt.
Product: Checking or savings account

Td bank received a deposit from XXXX and keep the funds they closed my account
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App XXXX Block , Inc . ) due to inadequate customer service and unfair practices, violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and 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 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 6th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 



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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by the silence engelhardt. V Gravens ( mo ) 281 SW715.719 pre presume that no proof of the alleged debt. nor therefore any such debt in fact therefore exists. ( please remove these accounts before I seek litigation ) Online Infomation Ser balance {$1700.00}, XXXX XXXX XXXX XXXX {$13000.00}, XXXX XXXX Balance {$33000.00}, XXXX  XXXX Balance {$4200.00}, XXXX XXXX XXXX  Balance {$900.00}, XXXX XXXX XXXX balance {$590.00}, XXXX XXXX  balance {$540.00}, XXXX XXXX XXXX  XXXX balance {$1400.00}, XXXX XXXX balance {$3100.00}