23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

They have my money and will not give me another card until my personal information is verified. I have tried close to 50 times within the past three to 4 months to verify this information. Because I do not have access to my money it is considered theft of property and Cash app is not giving actual guidance that is working on my end. Everything that they have told me to do to verify my information I have done and today XX/XX/year> I have been texting back and forth with them from XXXX XXXX  EST to around XXXX XXXX  EST to get this figured out. It is not fair that I do not have access to my money. And then to be told be a Cash app employee that I am giving fraudulent information.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  was contacted over 30 days ago regarding items that were not verified correctly as mine. XXXX has not responded as well. the company hasn't provided information either. I've attached supporting documentation and information. This is a serious error in reporting and I would like this matter to be resolved.XXXX  reinserted and added without my knowledge. Also, keep reporting the account to further drop my score. Accounts appear to be duplicates as well. I have no knowledge or obligation.
Product: Debt collection

On XX/XX/XXXX I received a call from XXXX. When I called the number back, I was told that it was XXXX XXXX XXXX. The rep said he was calling about a debt that I owed. I told him that I no longer owed the debt and had received a letter from the company stating that it was no longer owed. He became very rude. He told me that that couldn't be true. He said that there was a validation letter. I asked him for the validation letter, then he said that it was no longer available. I told him that I needed evidence of me owing the debt. He then became even more rude and asked why did I call if I didn't want to pay the debt. I continued to ask for validation. He then ignored me and said that he would speak to a manager about making a payment agreement. I hung up the phone because my question still hadn't been answered and I didn't ask for a payment agreement. Also, I haven't received a validation letter yet.
Product: Money transfer, virtual currency, or money service

I was working with this site named www.square.com, I have a small business, I give licensed online courses in XXXX and I was using square as a meaning of payment. 
At XXXX XX/XX/year> I got informed that my account will be deactivated and my funds ( around XXXX XXXX XXXX ) will be suspended till the XXXX of XX/XX/year>. 

Today XXXX XX/XX/year> I get informed that my funds will get suspended for more 60 days, which is not justified nor legit, I even checked forums about this website and I acknowledged that am not the only victim, and that many of small-business owners got the same issue with this company and told to file a complaint through this website.
Product: Credit card

I have included details but concern is that Truist is violation Regulation E, False Provisional Credit Letter and Delays in processing, show different data on my account online vs what they XXXX internally. Do I need a lawyer to get this account cleared up? 

XXXX XXXX XXXX : XXXX. On XX/XX/XXXX reported Fraud on CC for Transaction XX/XX/XXXX XX/XX/XXXX XXXX XXXX* XXXX XXXX - XXXX XXXX XXXX NY {$87.00} Was advised that the Card would be closed and a New Card Issued. 
XXXX. On XXXX reporterd another Fraud on CC for Transaction XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX NY {$3000.00} Was advised it has been reported and I asked where my replacement card from XX/XX/XXXX would be received. They indicated there wwe no card ordered on XX/XX/XXXX and would do one and I would get it in XXXX days. 
XXXX. Various communications between XXXX and XXXX XXXX. XXXX - emailed XXXX XXXX to advise indicate that the new card received was being rejected by all uses. 

XXXX. XXXX Tried to use the card and received a FRAUD ALERT Email to XXXX XXXX - Update on your XXXX XXXX XXXX - Reference Number XXXX XXXX. Various communications between XXXX and XX/XX/XXXX XXXX. XX/XX/XXXX Email to XXXX XXXX on Interest charge Received on the above XXXX Fraud reported Transactions of $ XXXX responded Let me find out what is going on and I will call you today. 

XXXX. XXXX requested by XXXX XXXX, Client Frontline Support, Client Escalations and Solutions XXXX to send her copies of Statement, and letters received acknowledging fraud under review. 

XXXX. XXXX Reported to XXXX XXXX that I received letter stating that Provisional credits issued that were previously issued are permanent and reported that I HAD NEVER RECEIVED ANY PROVISIONAL CREDITS. 
Also asked about why Truist had not stopped my liability on Regulation XXXX and never responded to this statement. 
XXXX. XXXX - Called by XXXX in the XXXX XXXX Department that they have re-assigned my claim ( same claim XXXX XXXX ) based on my reporting the fraudulent letter of provisional credit of XX/XX/XXXX. They could not find the letter, could I send it to them. 

She indicated I could call XXXX for a status update at any time. 

XXXX. XXXX Received a email from XXXX XXXX that XXXX Details : Disposition Status : Research Resolved Disposition Comments : Claim has been escalated for review. 
Hopefully I will have an answer soon. 

XXXX. XX/XX/XXXX Sent email to XXXX XXXX that I just received another Interest charge ( {$51.00} ) on the XXXX amounts. I copied the statement in the email. 
Asked about how this Interest gets added to the Refund on the fraud claims.
Product: Money transfer, virtual currency, or money service

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the permanent limitation imposed on my PayPal account ( XXXX ). I firmly believe that this limitation has occurred due to an unfortunate misunderstanding or technical error. 

I would like to emphasize that, to the best of my knowledge, I have not committed any actions that violate PayPal 's policies or terms of use. I have always been committed to upholding the integrity of the PayPal platform in all of my transactions and interactions. It is distressing to me that my account has been limited, and I am left without the ability to access the services that PayPal provides. 

I kindly request PayPal to thoroughly re-investigate my case. I am confident that a closer examination will reveal that there has been a misunderstanding. If any discrepancies have been noted, I am more than willing to provide any necessary documentation or information to clarify the situation. It is of utmost importance to me to have my account reinstated so that I can resume utilizing PayPal for my legitimate transactions. 

I understand the need for PayPal to maintain a secure and trusted platform for all users, and I fully support these efforts. However, I am convinced that my account 's limitation is the result of an error or misinterpretation. I respectfully ask that you reconsider the limitation and restore my account as soon as possible. 

I appreciate your time and attention to this matter. I look forward to a positive resolution and the opportunity to continue using PayPal 's services. Please feel free to contact me at [ Your Contact Information ] if any further information is required from my end. 

Thank you for your understanding and prompt assistance in this regard.
Product: Credit reporting or other personal consumer reports

I close 4 loans with General Mortgage Capital Corporation, and we sign the loan under companys name and not the personals name, I dont know why it shows my personal name on my credit report, and I can provide the mortgage note that shows it is my company having loan with General Mortgage, not my personal. I wish to remove my personal name loan instead of my companys name with General Mortgage on my credit report. Thank you!
Product: Mortgage

I'm a XXXX  % XXXX Veteran in Florida. I received an Escrow Analysis from Lakeview Loan Servicing , LLC stating an increase of my monthly Escrow payment amount, increasing from {$260.00} to {$330.00}. On XXXX I submitted my Florida Homestead Exemption Approval Letter to Lakeview Loan Servicing. I spoke to a customer service representative on XXXX who told me to call once a week to check the status of removing taxes from my Escrow Account. I called every week. On XXXX another Escrow Analysis was completed but the required Escrow payment was now {$370.00} after removing taxes and which is more than the initial Escrow Analysis conducted on XXXX that included perspective 2021 taxes. On XXXX I spoke to a rep. that told me Im suppose to have a minimum of {$1000.00} Escrow balance and couldn't explain to me why. I told her I'd never heard of that and noone from Lakeview Loan Servicing has ever contacted me nor informed me in any way about that requirement. The rep. transferred me and I finally spoke to a supervisor XXXX who tried to assist me but still gave me the run around and could not explain why Lakeview Loan Servicing is asking for an additional {$1300.00} annually when my land tax was reduced and all of my property taxes were removed. After going round and round I got tired and just sarcastically told her I understood but I didn't understand. I just didn't want to keep going in circles. If my initial Escrow Analysis conducted on XXXX suggested an Escrow payment increase from {$260.00} to {$330.00} based on perspective XX/XX/XXXXtaxes, and now I'm approved for Homestead Tax Exemption, my property taxes are removed, my land tax has been reduced, my CDD/Waste management fees are the same and my Homeowners insurance increased by only {$15.00} a month, what is Lakeview Loan Servicing justification for an extra {$1300.00} annually? Making my Escrow payment without property taxes higher than the initial Escrow payment that included property taxes and higher land tax? My original loan was with XXXX XXXX XXXX. I was unvoluntarily transferred to Lakeview Loan Servicing and NOONE reached out to me to discuss my account in whole. NOONE reached out to me to discuss either Escrow Analysis that where conducted XXXX and XXXX. The only people I got to talk to were customer service reps that only read notes and gave me the run around. This company Lakeview Loan Servicing didn't allow me to talk to the people who are doing the Escrow Analysis and increasing my Escrow which I consider an unfair business practice. I didn't ask this company for a loan, my loan was transferred to them, therefore I should have been contacted during the Escrow Analysis.
Product: Student loan

This has been going on for about 20 years, my name was forged on a document and they keep telling me I have to file a forbearance ... I have never heard of this college, I am XXXX and would never take out this kind of money.
Product: Mortgage

We purchased our home in XX/XX/XXXXand XXXX was original mortgage servicer. After 2 years, in XX/XX/XXXX, my husband lost his job and we were trying to get a loan modification. XXXX  XXXX XXXX took over our mortgage and we were successful in getting a modification but right after our modification - our loan was sold to different servicers at least a half a dozen times. Fast forward to current and we continue to struggle to pay down the mortgage balance because in the modification change process with all the different servicers, the interest we pay on the second mortgage is 11 % and is set for 50 years! We would never have agreed to these terms!! Our primary mortgage is at 5 %. This was all a result of the initial XXXX  modification but we arent making a dent in our overall balance and we cant seem to get out of this interest rate because it was someway and somehow generated with one of the many servicers that we couldnt keep up with all the different companies to track down which one changed the interest rate and terms. It was only after speaking with someone about this and just my overall frustration with our mortgage today - and that they recommended we report this because this is defined as predatory lending and if there isnt a clear track of all the servicers and the changes, it needs to be reported. Please help us!
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? 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 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THISITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit card or prepaid card

I have a Wells Fargo VISA credit card. At the beginning of XXXX I had a balance of approximately XXXX of debit associated with the card. Since the beginning of XXXX, I have enclosed supporting documentation to show the following transactions have taken place. Please take note that my documentation supports a due date of the XXXX each and every month. 
XXXX minimum payment due of XXXX XXXX XXXX XXXX XXXX XXXX XXXX Today XXXX, I received notification that a payment of XXXX was due by XXXX, I honestly believe that my payment of XXXX made on XXXX should have been applied to my XXXX payment due and no payment was needed until XXXX. 
On XXXX I contacted Wells Fargo customer service, my call was answered by an employee named XXXX. She would not give me an employee number or any additional information to identify herself other than her name. XXXX told me that I was receiving a notice for payment due because the payment of XXXX made on XXXX was still pending even though my statement clearly shows the payment was accepted and applied. I get angry when I am lied to, XXXX put me on hold and my call was then transferred to another team member named XXXX. XXXX tried telling me that I would have needed to wait an additional day before making the payment and having it applied to XXXX due date, why Im not sure, it doesnt make any sense to me at all. I wish to file a complaint against Wells Fargo and their banking practices. Isnt a due date a legal binding contract? 

Sincerely, XXXX XXXX
Product: Student loan

I called Nelnet to request a lower payment option. They told me that I was not eligible as my husband and I combined made too much money. They told me I could do a forebearance, or file my taxes separately from my husband for 2016 and then they could get me a lower payment. This is just ridiculous to me. I am paying the loans, on time, every month, and I 'm paying extra on them when I can. And all of that means nothing to them because they want me on the hook for the loans longer so they can make more money in interest. It 's not a good or ethical business practice. At all.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 a account without my written instructions. 
15 USC 1666B : A creditor may not treat a payment on a XXXX  card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

Last month ( XX/XX/2022 ) I had requested and paid for a appraisal to cancel my PMI since it is now past the 80 % XXXX requirement. I paid on XX/XX/XXXX, and received a appraisal a week or so later. I called on XX/XX/2022 to see if there was a status update since I had not heard anything back yet and was informed by Arvest that my request had been cancelled by the investor. They also stated that I would need to apply again. I had not been denied and have not even seen any results from my appraisal. They had just flat out cancelled the request without sending me notice or refunding me the funds used to pay for the appraisal. I have a high confidence that my appraisal was going to allow me to cancel my PMI and that Arvest is just delaying as much as possible so that i continue to pay needlessly PMI out of my escrow. I have tried to contact the PMI department at arvest but have been unable to connect. I have requested they call me by both my personal email and by a in-house email from one of their customer service agents and have not heard anything directly from that department. Not that anyone can control where there loan was sold, but if its bought by them I would suggest trying to find other options or being aware that they are frustratingly unhelpful.
Product: Credit card or prepaid card

Opened the XXXX XXXX XXXX credit card and made a purchase in the amount of XXXX on XX/XX/2021. There was a 20 % rewards points going on at this time. Unfortunately the item purchased was out of stock so only the deposit was charged on the credit card at that time. The deposit received the full 20 % rewards but when the item was delivered and the balance charged, only 10 % rewards were provided. Called Synchorony on XXXX and they referred me to XXXX XXXX XXXX. XXXX XXXX XXXX  said they filled out an internal form to receive the full promotional 20 % rewards and there was no action needed from me and no confirmation number but they left notes on the account. Need full 20 % rewards on {$1600.00} in the amount of {$160.00}. This has not been done as of this complaint submission. This is unfair as the items availability was outside of my control and my purchase decision was made under the marketing promotion that I would receive 20 % rewards for my purchase but I did not.
Product: Credit card or prepaid card

on XX/XX/XXXX I was a victim of an armed robbery In XXXX XXXX My wallet and my phone were taken from me. The police were called but did not show up and I got on the plane to fly home, the credit cards were used and all but Bank of America credited the charges back. They sent me a letter because the chip was verified I was responsible It a total of 6 charges for {$860.00}. 
I even sent them a copy of my airline ticket that shows I was in Nebraska when the cards were used and they still denied my claim
Product: Credit card or prepaid card

Dates : I was supposed to get the reward points by XXXX 2017 Amounts : XXXX reward points Actions : I have contacted the company ( American Express ) several time via Live chat, The representative admitted that I am eligible for the offer and filed a case. 
There was no answer after the 8 weeks of investigation that they promised. 
I've contacted them again but they was just asking my understanding. 

I have a copy of the live chatting transaction which can prove above facts.
Product: Debt collection

Delete those late dates now! The bureau and the furnisher have ignored my requests to fix this inaccurate reporting. I've followed FCRA procedures, but the information remains unverified and incomplete, violating my rights. Take immediate action, remove the late dates, and confirm in writing no more excuses! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Also, get that fake bankruptcy off my credit report now! I've never been to court, and there's no judgment against me. Remove it immediately, or my attorney will file a federal case against you within 30 days no more delays! Take this seriously and fix it now! XXXX XXXX XXXX XXXX XXXX XXXX XXXX Filed on XX/XX/2017.
Product: Debt collection

I picked the best options to describe my issue. Penn Credit Corporations has reported the same debt on my credit three times, days a part and I feel as though they are personally attacking my credit on purpose. They reported it on XX/XX/19 XX/XX/19 and XX/XX/19 and its all the same bill, yet they reported it purposely 3 times to my credit as if to threaten my credit score. I understand that the bill is mine to pay, but for them to keep posting it in an attacking manner is not right.
Product: Debt collection

I WAS CALLED BY THE HR DEPARTMENT OF THE COMPANY I WORK FOR AND THEY TOLD ME THAT A WOMAN NAMED XXXX XXXX WAS LOOKING FOR ME, AND GAVE ME A NUMBER TO CONTACT HER AT. I CALLED THE NUMBER AND FOUND OUT SHE WAS A DEBT COLLECTOR FROM XXXX XXXX.
Product: Checking or savings account

I pay I rental vacation house but I cancel my reservation later and at the moment that I cancel my reservation with XXXX the account was closed with Wells Fargo and I try to make a claim for the amount of XXXX. Dlls for the reservation of the house but they send me I letter that said that they cant do nothing about it because my account was closed and by the way at that moments the owners of the was try to make me the refund of the reservation but the bank send back the money to the owners house and now the owners dont want to resolve me this situation because they said that they refund me all ready buy I never received that money because the account was closed
Product: Credit reporting, credit repair services, or other personal consumer reports

I SENT MULTIPLE LETTERS TO TRANSUNION AND THEY ARE NOT RESPONDING TO ME. 

I AM A VICTIM OF IDENTITY THEFT. THERE ARE UN-AUTHORIZED HARD INQUIRES ON MY CREDIT REPORT. MY IDENTITY WAS STOLEN AND THESE UN-AUTHORIZED HARD INQURIES ARE NOT MINE.THESE ARE FRAUD. 

MY SOCIAL SECURITY CARD, MY STATE ID, MY UTILITY BILL AND MY FTC REPORT IS ATTACHED. 

PLEASE BLOCK AND REMOVE THE FOLLOWING FRAUDULENT HARD INQUIRIES : 1 ) Transunion Fraudulent Inquiries XXXX XXXX XXXX 2 ) Transunion Fraudulent Inquiries XXXX XXXX XXXX  3 ) Transunion Fraudulent Inquiries - XXXX XXXX XXXX 4 ) Transunion Fraudulent Inquiries - XXXX XXXX XXXX XXXX XXXX XXXX 5 ) Transunion Fraudulent Inquiries XXXX XXXX XXXX XXXX XXXX 6 ) XXXX XXXX XXXX  7 ) - XXXX XXXX XXXX XXXX 8 ) -XXXX XXXX XXXX XXXX  9 ) - XXXX XXXX XXXX XXXX XXXX XXXX 10 ) - XXXX XXXX XXXX XXXX XXXX  11 ) XXXX XXXX XXXX XXXX XXXX  12 ) - XXXX XXXX XXXX XXXX XXXX  13 ) - XXXX XXXX XXXX XXXX XXXX 14 ) - XXXX XXXX XXXX XXXX XXXX 15 ) - XXXX XXXX XXXX
Product: Debt collection

I NEVER received any type of communication from this debt collector at all. This is 100 % not my debt and had I been accurately notified of this account I would have been able to enforce my right for this accounts accuracy to be verified prior to this being reported on my credit reports. Even at this very moment I have no information on the debt besides the reporting companies name is Diversified Adjustments Services, I have no account number or anything. I have never had something be reported on my credit without first reaching out to the consumer to verify if the account is accurate or correct.