23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Ive had my Target red card since 2017, clean payment history, never delinquent. I have automatic payments set up from my credit union checking account, currently I was paying the minimum payment. My balance was getting a little high and I didnt want to pay 22 % interest on my balance I saved 5 % on at tik of purchase. I logged into their mobile app, and using the SAME checking account the minimum payment has been coming from, and selected to pay balance in full. A couple of days went by and I received a notice that I was past due. They claimed my checking account was close and payment was rejected, and charged me {$30.00} in fees! I called an told them that is the same checking account the monthly payment has been coming from and it is not closed. I reviewed my checking account history and no debit attempt was made from Target. I called regarding the account which was now 5 days past due and I was treated like a delinquent! They read me the attempt to collect a debt verbiage and they flagged my account with collection verbiage. I spoke with an account rep and they lied and said no fees were charged to my account, but my transaction history shows I was charged {$30.00} in fees. I was told they couldnt reverse a late fee they couldnt see. I was furious, told them to process my payment in full and immediately close my account. I consider this activity fraudulent and was charged additional fees for no reason. They are taking advantage of there customer and not following fair debt practices. My checking account shows the pending payment in full, but my Target account stills shows I am delinquent! This is not right!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX report in file had two different names and two different social security numbers.

XXXX report wrong current home loan mortgage address.

XXXX report Real Estate Mortgage account was not belong to me.
Product: Prepaid card

I have tried this card at multiple places and it is declined at every single place I've tried. The error, shown on the card history, is " Declined - Missing security code " following by the billing info of the entity I tried to purchase from. When calling support for the card, on the occasion I actually got a person, they told me to just " keep trying the card at different places until it works '' which is ridiculous, I want the card to work at the places I want it to work at, not random places.
Product: Credit card or prepaid card

capital one this has happened before capital one is rebilling me for items i did not receive. i told them this when i disputed it and they act as if the receipt from marshalls resolves this. I am filing a XXXX  against XXXX too. i received no items that i am being charged for and XXXX know this .so does the bank. i wont pay the XXXX and i will not use any of my cards until this is researched PEOPLE steal during pandemic maybe items show delivered i did not get and wont pay for them. Cap one does not listen when i dispute as this is what i said. so sendinga receipt does not resolve this. reverse XXXX i am not using any card now.
Product: Mortgage

We requested and received forbearance of 6 months on our mortgage beginning in XXXX. We were informed that our forbearance would end as of XX/XX/2021. In the interim we sought refinancing through another mortgage company and were informed that they would not consider our application until our mortgage with Mr. Cooper was current. We then contacted Mr. Cooper and requested the amount necessary to bring the account current. We paid that amount ( approximately {$19000.00} XXXX the next day. I specifically asked that we be provided with this information in writing and the representative declined to do so ; indicating that there would be a record of the conversation. We then made the regular mortgage payment that was to be due PRIOR to XX/XX/2021. Since then we have received numerous texts and emails indicating that we are behind in our mortgage. We were informed that we somehow missed two payments ( that would have been due during the forbearance period ) and we are gravely concerned with what may happen to our credit. We have had ongoing problems with this company that have not been addressed.
Product: Debt collection

In XX/XX/XXXX, I was called by I.C. System Inc. Regarding an alleged debt for XXXX. I demanded that they validate the debt and requested that they pro idea me with the original purchase agreement to prove they own the debt, their business license to prove they have legal authority to do business in Ohio, and their Ohio debt collector license. 

I was never sent anything in writing regarding the alleged debt, nor was I notified that I could dispute the debt. 

On XX/XX/XXXX, more than 30 days after I demanded validation of debt, I.C. System Inc. reported the collection on my XXXX XXXX file. 

I attempted to contact them at the number provided on my credit report : XXXX, but received an error message.
Product: Credit reporting or other personal consumer reports

I applied for a credit card in XXXX during the time I had a job, in XXXX and XXXX during the XXXX I was in the hospital for for a week and my job laid XXXX  % of the company than I was evicted I have request a hardship forgiveness with capital of those late payments, as a solution I been making on time payments.Im asking for a forgiveness of a dispute so to hard time.
Product: Mortgage

In XX/XX/XXXX, my mortgage was acquired by Carrington Morrgage Services, XXXX, California, from XXXX Mortgages. Since the acquisition, I have had nothing but unanswered problems. Beginning XX/XX/XXXX, my escrow payment was raised from approximately XXXX per month : XXXX of which was/is PMI, to XXXX. Carrington explained that XXXX was to cover a projected escrow shortage and would only continue for 12 months. My home owners insurance was XXXX in XX/XX/XXXX, XXXX in XX/XX/XXXX. My tax was XXXX both years. I had no escrow shortage from the previous year ( XXXX-XXXX ). I requested an escrow analysis to explain how I could be XXXX short on my escrow when total payments from escrow for taxes, PMI, and insurance XX/XX/XXXX-XX/XX/XXXX would be XXXX and my escrow payin was XXXX ( a potential shortage of XXXX ). I received no answer and the woman was very rude. I have now paid XXXX to my escrow account from XX/XX/XXXX-present. Despite the 12 months time line, I am still paying the extra XXXX per month. My taxes, PMI, and insurance this year totaled XXXX. I have called XXXX times and requested a full escrow breakdown. I have yet to receive XXXX. I have absolutely no idea what my additional payments of XXXX have gone towards. In addition to this, Carrington has begun holding an overage payments I make towards principal. They hold it in an " unapploed funds account '' as a " suspense balance ''. Currently, I have XXXX in this account. I have been told they will only move those money if my account is current. Oddly, my account has been current, the funds have not been applied. I assume I am paying interest on my XXXX of principal balance. I exhausted with this company. My minimum payment rose from XXXX to XXXX, and XXXX per month raise is substantial for me as a single mother. I have paid almost XXXX to escrow this calendar year, all that has been paid out of my escrow is XXXX in PMI and insurance, yet my most recent statement shows an escrow balance of XXXX. How?!?! I can not get an answer. My XXXX requests for full escrow breakdown resulted in XXXX rude conversations with XXXX different reasons why I am paying almost XXXX per year to escrow and NO escrow breakdown. A year and a half in, I still have never gotten an escrow breakdown. Nor have I found out when and where my " suspense balance '' is applied. Please help, I beyond frustrated. I can not afford to continue paying XXXX per month on a loan of XXXX with a fixed 6.5 % rate.
Product: Credit card or prepaid card

On XX/XX/2021. A transaction was fraudulently made on my Wells Fargo Account by a scammer. The scammer wire transferred {$14000.00} from my credit cards and my checking account ( all of my money ) from my Wells Fargo. The bank is telling me it's my fault although I called them first to report fraud and close my account. The morning of XX/XX/XXXX, I called the number on the back of my Wells Fargo Credit card to report a charge and they were supposed to close my account. On the same day around noon, the scammer called from the same number and scammed me.. my bank has given up on me and is saying it's my fault. I now have to pay high interest on my card because they will not refund my money back to me. I don't know what to do anymore. Wells Fargo is the worst bank to bank with, they have emotionally damaged me with this experience and I feel very helpless.
Product: Debt collection

I have sent a letter to stop calls and communicate through mail. But everyday I get 2 to 3 calls an hour and if its sent to voicemail they hang up and call right back. They never leave voicemail messages and they alway call from random numbers thats not related to the company or unknown number.
Product: Credit card

I have submitted multiple Disputes regarding charges resulted from Identity Theft. Duty To Conduct Reasonable Investigation of Dispute For disputes I filed directly with American Express, Regulation V requires furnishers to conduct a reasonable investigation with respect to the disputed information and review all relevant information provided by the consumer with the dispute notice. American Express violated these provisions when American Express failed to investigate disputes submitted by myself. American Express responded by Mailing a Generic Letter from the XXXX XXXX XXXX XXXX ( Attached ) Dispute Reference Number : XXXX Dispute Reference Number : XXXX Letter stated " the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. We have been unable to contact you. Therefore, we are closing your fraud claim until we receive sufficient information. '' XXXX : the information we received from you dos not contain sufficient information for us to conduct a reasonable review of your claim. This is a lie. American Express received the following : 1-Official Dispute Letter with My Name, Birth Date, SSN, Copy of ID, Letter from DOJ-BOP, Copy of the FTC Identity Theft Report . American Express received all information required per CFPB : ( d ) Direct dispute notice contents. A dispute notice must include : ( 1 ) Sufficient information to identify the account or other relationship that is in dispute, such as an account number and the name, address, and telephone number of the consumer, if applicable ; ( 2 ) The specific information that the consumer is disputing and an explanation of the basis for the dispute; and ( 3 ) All supporting documentation or other information reasonably required by the furnisher to substantiate the basis of the dispute. This documentation may include, for example : a copy of the relevant portion of the consumer report that contains the allegedly inaccurate information ; a police report ; a fraud or identity theft affidavit ; a court order ; or account statements. 2nd : American Express Stated : We have been unable to contact you. that is another lie, because they sent that letter to inform me that they were not able to contact me, well, me receiving the letter and calling them back is an evidence that they are able to contact me. 3rd : I Called American Express Global Fraud Protection Service 4 times and provided them with the reference Number [ Dispute Reference Number : XXXX  ], the agent told me that they don't know what that number is! I recorded the phone call and can transcribe it. 4th : American Express Stated " Therefore, we are closing your fraud claim until we receive sufficient information. '' That is an intentional violation by American Express of FCRA, and shows gross negligence
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 hard inquiries were made without my authorization by XXXX, JPMCB XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX. The only credit check I authorized was for XXXX XXXX. I specifically told the dealer not to 'shotgun ' my credit check to other lenders. They were 'shotgunned ' without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts appear on my credit report, and I don't own them, it's hurting me. 

US DEPT ED Account Number : XXXX This is not mine. 

5. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

6. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

7. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

8. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

9. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

10. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

11. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

12. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

13. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

14. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

15. Identity Theft DEPTEDNELNET Account Number : XXXX This is not mine. 

16. Identity Theft US DEPT ED Account Number : XXXX This is not mine. 

17. Identity Theft DEPTEDNELNET Account XXXX : XXXX This is not mine.
Product: Money transfer, virtual currency, or money service

Back on XXXX XXXX, XXXX, I purchased a money order for XXXX and cents at a store XXXX XXXX in XXXX XXXX WA XXXX When I paid in full cash, they gave me two money order. One was for {$500.00} even and a second for XXXXwith cents. I immediately, noticed that the money order for {$500.00} paper felt different ( thinner ) than the other with the amount of 290.with cents. I did n't say anything to them and left the store. like about two weeks later, my land lord where I live sent me a notification stating that the money order for {$500.00} according to his bank ( XXXX ) did not go through. My first reaction was to go back to the store but the cashier said that they could n't do anything about it and to contact the Western Union customer services. So I did, and Western Union representative suggested me to complete the receipt of the lost money order and that it was going to take up to 30 days to get a response. About 3 weeks later, Western Union sent me a letter with two copys of same money order 's tracking number stating, that the money order was attempted to cash two times. First money order copy that Western Union sent me back was not endorsed and was cashed on XXXX/XXXX/XXXX and paid to an unknown receiver. The second one, was completed by me endorsed to XXXX XXXX XXXX XXXX which was my landlord and was returned on XXXX/XXXX/XXXX. In the letter, there was no information whatsoever of the name of the person or company who cashed the money order. So I called back again to Western Union without any responses from their end to help me identify the person who cashed my money order instead, they would keep on saying " a letter has been sent to you back on XXXX explaining you what happened to your money order. '' Or " you have to check with your landlord and his bank ( XXXX ) and have then call us '' which I did. But they ( XXXX ) also said that they never cashed the money order. With the help of a low income legal law services, my situation was escalated to a case. The person who was helping me was able to identify that the money order that was paid was actually deposited through a phone app. Last thing I heard from this office was that my money order was probably deposited in a XXXX in XXXX. Since then, No one has helped me to identify who cashed my money order. Like never in my life I have felt so hopeless in a situation like this. I have copys of money order and the letter that Western Union sent me upon requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I was notified by XXXX XXXX XXXX that my quote was {$400.00} higher as a result of reporting from LexisNexis. I contacted LexisNexis through their online portal on XX/XX/2021 to request a copy of my report. Their response indicated that they had no report under my name and that if I felt that that information was incorrect, I should provide proof of my reason. I forward the email from XXXX to LexisNexis on XX/XX/2021 to the address they provided in XXXX, XXXX By XX/XX/2021 I had not received a response and wrote to them once again. As of today, XX/XX/2021, I still have not received any response. After three inquiries dating back to XXXX, I feel they have chosen not to respond. I would appreciate any help you can provide as this matter clearly is affecting my credit. The LexisNexis Dispute Case # is XXXX. Thank you in advance for any help you may be able to provide. 
Sincerely XXXX XXXX
Product: Credit reporting

The US Treasury Department states I owe XXXX for a money order that was returned to the Post Office in XXXX 2016. The Post Master XXXX XXXX is in possession of this money order. I am being charged XXXX in fees plus the money order XXXX total XXXX. I have complained to the US Department of Treasury as well as disputed with the collection company. I have proof this money order was returned. Please delete from my credit report.
Product: Money transfer, virtual currency, or money service

I am filing this complaint against cash app for allowing several different companies to withdraw money from my card without having my permission. I have filed a complaint to cash app and received no help getting my money back. These are all of the Unaproved transactions.
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: Debt collection

Weltman, Weinberg , & Reis co LPA, XXXX XXXX XXXX, XXXX, OH XXXX Bothering friends and family. XXXX XXXX stop!
Product: Checking or savings account

My direct deposit from my employer that was set to be deposited and available on XXXX XXXX, 2025 has not been posted to my account. My employer has done their part to ensure I would be paid but Capital One has not released my funds and has not told customers why or when we can expect these funds to be available. This is unacceptable that they are keeping customers in the dark about why we have not received any updates on our funds.
Product: Credit card or prepaid card

Booked a trip using my miles+cash on XX/XX/2020, from XXXX to XXXX to XXXX. Trip ID XXXX. Ref. No. XXXX. Agency Ref. No XXXX. Since the trip has been canceled. I used 110K miles plus {$230.00} on my Capitalone credit card. It is impossible to speak someone from their travel agency. I was on hold more than 2 hours. Impossible. All I want is my miles and cash back. I am a XXXX  years old senior. Finally, this morning talked to someone, she told me they can only give me a credit for this trip, a supervisor was going to call me in 5 days. I want my miles and money back. Appreciate your help. Thank you very much.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a Bank of America customer, one day my credit card would not work and I went online and couldnt even log into my credit card account. Confused me called Bank of America and they told me someone stole my credit card info and they needed to close the account and couldnt go over details. Ive PAID EVERYTHING TO BANK OF AMERICA HAVE BEEN BACK AND FORTH WITH THEM and now Im seeing a delinquent account with a balance when I owe this bank/Creditor {$0.00}. I can not stand this bank for how unfairly they have treated me. I thought everything was solved I owe nothing to them and they told me I was all good to go on the phone now I have a balance and it says my balance went up in XXXX when Ive been done with them since late XXXX early XXXX??? FRAUD
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX my car was in an accident and the car was totaled out on XX/XX/XXXX and the leasing company XXXX XXXX was paid XX/XX/XXXX. The company Is stilling reporting the account open and said they are not closing the account because {$500.00} deductible for the insurance. The company is not reporting accurate info on my credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the TransUnion and XXXX Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them.Here is the account needs to correct. 
XXXX XXXX XXXX XXXX Balance Owed : {$680.00}
Product: Mortgage

How can Quicken Loans own an Appraisal company who is always selected to do their appraisals?
Product: Credit card or prepaid card

I was going through severe financial difficulty due to a divorce and job loss. I went to my local Wells Fargo Branch to get a debt consolidation loan. The clerk that helped me told me to get a credit card instead. I told them I would not qualify for a credit card due to my income and debt situation. I really wanted a debt consolidation loan. Instead, the person helping me filled out the credit card application with a fraudulent income. An amount far higher than my actual income. They told me to pay my bills with the credit card and then we could get a debt consolidation in the future. I used the card and went back a few months later and they declined me for a debt consolidation loan. Later, I couldn't pay for my credit card ( that I shouldn't have been given ) and defaulted. Wells Fargo got a judgment for the balance. Later, when Wells Fargo was national news for opening fake accounts, Wells Fargo contacting me AND PAID ME {$4000.00}!!!! I thanked them and did not join the class action lawsuit! They said the were just trying to make things right. Now, 4 years later, they are trying to Garnish {$54000.00} from my account. XXXX XXXX, the wells Fargo attorneys say I owe {$27000.00}. 

In summary, Wells Fargo opened a fraudulent account, paid me {$4000.00} to apologize so I wouldn't join the class action lawsuit. Now, years after the dust has settled, they have frozen my bank account stealing {$20000.00} already and trying to get {$54000.00} when their own attorneys say I owe {$27000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to XXXX  my ongoing concern about incorrect late payment entries on my credit report. Despite multiple requests for resolution, this matter remains unaddressed. It is essential to emphasize that these late payment entries are inaccurately documented, and I have provided substantial evidence verifying my consistent and timely payments to XXXX XXXX XXXX, XXXX XXXX XXXX & XXXX XXXX / XXXX XXXX. Despite my prior efforts to rectify this issue and the supporting documentation I have submitted, the erroneous late payment entries persist on my credit report. I kindly request that you take the necessary actions to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.