23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a home with XXXX and closed on XX/XX/2011. My mortgage is financed through Bank of America. I have paid an extra {$50.00} every month for the last seven years. I was not initially told about this required payment and every time I call I am told a different date as to when it will stop. Today I was told I signed a disclosure indicating that I would agree to pay this amount for 7 1/2 years. When I asked for a signed copy of the disclosure, I was told their records show that the disclosure does not have my signature on it. I also called Bank of America and was told they too could not find any documents in their records requiring me to pay this fee. I am requesting that the payments stop immediately and I am refunded any and all fees paid to XXXX as this was without my consent.
Product: Credit card

My Wells fargo Credit card account # XXXXXXXX XXXX XXXX XXXX ( Rewards account # XXXX ) had {$1200.00} in reward points, Wells fargo closed my account without any notification, Letter was written on XXXX & posted. I received the letter after the closure of account in XXXX. Now Wells faro denying access to my points or refusing to put those points towards the money I owe them. My online statement still showing the points i have on my account but wells fargo is refusing to give me my points or adjusting towards my account.
Product: Credit reporting or other personal consumer reports

I realized today that XXXX XXXX XXXX. Is on my Equifax credit report. The information reporting is false and XXXX XXXX never sent me anything before I seen it on my credit report today. I received nothing from this agency regarding this alledged debt yet it is on my credit report. 

I never had an account with this company as I am not liable for this debt and I have no contract with this company that has failed to provide the name of the original creditor which is a clear violation of the FCRA and FDCPA at the very start I count several violations already that I would seek monetary damages for the violations committed thus far. 

I am requesting complete validation as I dispute this debt in its entirety and also request a collection contract or a PURCHASE AGREEMENT if you allege to own this alledged debt that I will sware in a court of law does not belong to me. I received no information about this alledged but yet it is on my equifax report. 
Delete this account from my credit report or I will seek legal representation for FCRA and FDCPA violations.
Product: Debt collection

On XX/XX/2022, my employer received a call from XXXX asking for me in relation to a personal debt. The phone number they called from was XXXX and XXXX. The representative told my employer her name was XXXX. 

I can not find any information about this company or the phone numbers. When I try to call them back, I am unable to get through. 

I am not allowed to receive personal phone calls at work and this had XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since I can not get ahold of anyone, I am unable to tell them to stop contacting me or find out information regarding the alleged debt I owe.
Product: Payday loan, title loan, personal loan, or advance loan

In the beginning process of filing for XXXX XXXX XXXX XXXX I reached out to this company as a courtesy to make them aware of the pending XXXX XXXX XXXX filing. In response within days they repossessed the vehicle the company states they advised of the potential repossession however I did not receive any notification. In fact I received a mailed correspondence after the repossession. And the only message I had from their company I returned their call and there was no message of the repossession. I have reached out to the company numerous times in attempt to resolve the outstanding balance. The vehicle is actually my daughters but it is in my name. The company refuses to return calls or emails and when I do call I speak with customer service representatives that just relay the message the company is demanding full payment including ridiculous fees added on top of the principal and agreed upon interest. I made the company aware that I never received a copy of any documents from their office and they continued to just disregard. Today I spoke with an agent and provided the bankruptcy filing number in all other information they requested only to be told there's notes from the supervisor it doesn't matter if there's bankruptcy filed they are moving forward with selling my asset. I have voiced to the numerous representatives I spoke with that I am fully aware of the amount due and intend on paying the correct amount but they are demanding almost double. I have asked to speak with somebody who understands the bankruptcy litigations and that is able to negotiate in the best interests of both the company and myself. I have yet to receive a return call from anybody that can assist. I also tried to explain to the company that if the vehicle is sold correctly the return would be a lot more and it would be unjust for them to sell it for what I owe and again they refused to hear it. Lastly when the repossession was taking place my teenage daughter told the gentleman my mom is at work she asked that you leave the property and deal with her directly regarding the pending bankruptcy the gentleman ignored the demand and basically bullied my daughter and ended up with possession of the vehicle
Product: Checking or savings account

In 2008, I was doing web design. I checked my account balance and it was zero. I found that my XXXX XXXX had been hacked and my funds had been used to purchase multiple copies of XXXX anti-virus protection. I went to my bank as soon as it opened, and sat with an employee who I told I needed my debit card cancelled, my XXXX XXXX disconnected and my account put on credit only status... She assured me these things had been completed. 

I was now receiving payment for my work via an XXXX XXXX. About two weeks later I did a small change for a XXXXXXXX XXXX site. They could not pay me via XXXXXXXX XXXX  so I billed them via my XXXX XXXX.. I checked to see if the payment was there ( Just {$35.00} ), not only was it gone, once again my XXXX account was drained and I was charged {$800.00} in overdraft fees. 

I went to my bank and inquired how this could happen, considering the precautions I had taken. They asked what I would like them to do for me, I said, I would like you to make it right, it was your fault if my precautions had not been executed. They said " We are sorry XXXX XXXX, there is nothing we can do for you. '' At the time of this fiasco, XXXX was being absorbed by Wells Fargo. 

I lost my apartment, my job, and my web design business. I have been homeless since.
Product: Debt collection

XXXX XXXX XXXX XXXXXXXX  performed a root canal in late XXXX. I do not have a bill from that visit. They agreed to file XXXX insurance claims, then send me a bill showing pmts. and the balance due. The first bill I received only showed a balance forward of {$1600.00} with a note that acct. was 30 days past due, please pay promptly. I sent a {$10.00} check to acknowledge while my income cycle caught up. Next bill, no pmt shown-a repeat of the XXXX bill, only 60 days overdue. ( the check was cashed on XXXX ). I took a check to their office on XX/XX/XXXX. They refused it, saying that they had sent me to collections. I said I had not received notice of this intended action and they claimed to have sent me text messages about it. I don't DO texts! I requested an itemized bill at that time and was refused. I have received a letter from Creditors Financial Services , LLC stating the debt is $ XXXX-not the {$1600.00} billed by dentist and not reflecting the check that was cashed. I have verified that no insurance was filed, either. 
No original amount, no insurance filed, a pmt not credited, and conflicting billing amounts leave me bewildered and beleaguered. 

A letter of intent that is not returned by USPS is a reasonable indication of notice as is a telephone call answered by the customer. An e-mail could be a supported conduit, but is texting now a legally accepted method of notification? It can be sent to a phone that doesn't receive text or to a recipient that doesn't DO text. This is a mess and I need help!
Product: Prepaid card

On XX/XX/XXXX my account was closed. I called and they said they close it because I didnt certify some information. I have had this card for 3 years for my income tax only. I ask them how do I get the money that is on there. They said it will go onto your linked bank in 5 days. I never received my money and no way to open the account back up. On the XX/XX/XXXX I called again and she said it will take 50 days to get my money back. Why should it take so long. Then I received a email on XX/XX/XXXX saying I could reopen my account in 15 days but where is my money?? They responded with your money will be back in your account when you open it back up. I dont want to open the account back up I just want my money
Product: Mortgage

I am in receipt of a notification dated XXXX XXXX, 2015 indicating that the law firm of XXXX XXXX XXXX, XXXX of XXXX, NJ has been retained to initiate a lawsuit to foreclose the mortgage on my property. As per this correspondence, it denotes that the creditor of aforementioned property is XXXX Bank XXXX XXXX and/or XXXX Mortgage Loan Trust. This is not my mortgager ( it was XXXX XXXX XXXX ), it 's now Select Portfolio Services. 

I 've requested that the law firm provide information to validate the creditor and ownership of this mortgage. Neither of these institutions have been a mortgage holder which I am familiar with. I am currently in the process of negotiating a modification of my current mortgage with Select Portfolio Services XXXX Inc., and appealing the preliminary decision. This notice is the first time I 've been advised of these XXXX additional creditors/trustees. I feel like this is an institutional strong-arm tactic to intimidate me into a short-sale of my home in lieu of a modification. 

In addition, the original mortgage for this home was refinanced several times over the past 10 years and initially was $ XXXX. I 've requested with a chronological explanation of the additional {$62.00}, XXXX. This amount appears to be incorrect and/or is underpinned by predatory lending practices from lender to lender. These may be lenders that I am unfamiliar with that appears to be certificate transfers. I would like to see these transfers with dates and explanations. 

Lastly, as you may imagine, I am deeply concerned about these institutional hand-offs from lender to lender and the legalese in this recent correspondence. I have requested a detailed explanation of items # XXXX & XXXX in layman 's terms, as I am unable at this time to afford legal representation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the change. I ask that the items be deleted to correct my report. I reported theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission Identity Theft Affidavit. Please delete these items right away. I am not happy with seeing derogatory marks on my report it isn't fair to me when I didn't make any of the changes.
Product: Credit card

I activated the cashback offers and made purchases of the XXXX XXXX and the XXXX XXXX XXXX  with my credit card. There is supposed to be cashback on both, but despite numerous contacts, it still has not been credited to my account. Instead, I get copied and pasted XXXX  from customer service XXXX. I know how their programs work, I've been participating in them for years and years. I shouldn't have to chase down the cashback every time
Product: Credit reporting or other personal consumer reports

I was using Cash app and never could get anyone over the phone when I have the dispute of issues
Product: Mortgage

I have repeatedly advised wellsfargo that they are escrowing for the wrong amount on my homeowners insurance. they are withholding for a {$2200.00} yearly premium and the actually amount which is attached is {$1300.00}. I would like a refund of the overage asap and for them to recalculate my monthly payment based on the correct escrow amount.
Product: Debt collection

On Mon, XX/XX/2019, XXXX called me at XXXX XXXX they did not leave a message. Upon leaving work for the day I decided to call the number back in case it was business. It was a company collecting debt, who did not inform me who they were unless I identified myself, XXXX said she can't tell me who they are and its just a debt! I couldn't get any information but it was a debt, then she hurriedly said LJRoss, unless i verified my DOB I couldn't know anything else., I did and she then proceeded to say that I owed XXXX {$360.00} and how was I paying? I said I wasn't and that I needed some form of letter from XXXX to say I owe you. This is the second time ( this year ) someone has referenced this account without saying I had a right to dispute or even allowed to clear it with XXXX. So they have an account and asking for someone who NEVER has let me know a third party has the account, nor has the responding debt collector acted on me asking for verification to the debt by letter. This LJRoss has not sent me any information in the times I have told them to do so. I cant give you an account number or anything as I do not have anything related to this company.
Product: Checking or savings account

Twice I have deposited checks with a teller in the bank. Each time I was told I would have the money available the next day. The next day I was informed my check would have a 10 day hold. Each deposit- one for {$2100.00} and one for a cashiers check of {$10000.00}, I didnt even get the first {$200.00} available. Why would I need to wait 10 days for a teller deposited cashiers check and not even have the first {$200.00}?
Product: Credit reporting, credit repair services, or other personal consumer reports

Over the last 3 days, Equifax has decided to remove all accounts that I was an authorized user on. I did NOT dispute these accounts and am still a valid user on each of these cards. This intentional action has caused significant harm to my credit score as I attempt to rebuild my credit. These accounts have considerable age and positive payment history that I have been trusted by the card holder to also have access to. I have responsibly used these authorized user accounts and Equifax has no cause to remove these accounts from my report. The accounts are as follows : XXXX ( XXXX, XXXX XXXX XXXX Delaware ( XXXX, and a XXXX credit card ( XXXX ). This action has dropped my average account age to XXXX year and XXXX mos, whereas previously my account average age was well over 6 years. I do n't understand why an organization such as Equifax, which a marred public image due to the recent security breech ( of which my account was one of the records compromised ), could behave in this way. I can only assume that Equifax has malicious intent with these actions.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had two late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late If proof can't be provided, I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Debt collection

I filed for bankruptcy thru my attorney XXXX XXXX on XXXX.2017 and got my discharge ( No : XXXX ) from US Bankruptcy Court XXXX District of Texas on XXXX.2017. I checked my credit report on the XX/XX/XXXX and saw that Fidelity Creditor Services Corporation has filed a a new collection claim under a new
Fidelity Information Corp. All other claims have fallen of except for Fidelity Corp ( for XXXX XXXX XXXX ). When I called Fidelity ( a CA based Corp ) they said they never got my discharge. I know this is a lie and a cheap trick because they are moving the claim from one corporation to the other. And, therefore claiming Fidelity Credit Services never got the discharge! This is a fraudulent activity. My debt to XXXX XXXX XXXX pursued by Fidelity Information , Creditor Services and/or any other subsidiary of Fidelity Information Corp has been erased by the US Bankruptcy Court on the XXXX of XXXX, 2017. And, it should not hit my credit report as a collection that requires attention. Account XXXX : XXXX Fidelity Information Corp. XXXX XXXX XXXX XXXX. XXXX, CA XXXX. Fidelity Creditor Services XXXX XXXX XXXX XXXX, CA XXXX Please, get these unscrupulous people of my back. Sincerely, XXXX XXXX XXXX
Product: Other financial service

Nationwide bi-weekly administration has been sending me things in the mail for the last 2+ years advertising a program they have to pay off your home mortgage in 21 years instead of 30 by them taking half of your monthly payment out every 2 weeks and paying it to the bank so you make an extra payment every year. I agreed to this program and in exchange they charged me half of my first years extra payment as their fee. After a year my mortgage was transfered to a new lender and they said in order to set it up again they would have to charge me again. So reluctantly I paid them again approximately a year ago. I received a phone call yesterday from the company that has my home loan, XXXX, stating that they have n't received a payment since XXXX XXXX and that I now have a late fee on my account. I immediately called nationwide bi-weekly administration to discuss the issue. They informed me that they are having issues with banks and that they are no longer able to withdraw money to make the payments for their customers. I said that 's fine, refund me the money I 'll do it myself ( I learned I can do it through my bank for free with no hassle at all ) to which the supervisor I was speaking to responded " it is our business policy that we will not refund the initial set up fee I 'm sorry '' I said that 's fine, but we both entered into a contract correct? I 'm fine paying that fee as long as you guys do your part of taking care of my mortgage parents. Of which you are not completing. So in turn voids the contract since the goods/services that I am paying for are not being completed. All she continued to say was " I 'm sorry but it is our business policy to not refund the initial fee ''
Product: Credit reporting, credit repair services, or other personal consumer reports

1. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account. 

XXXX. XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account.
Product: Vehicle loan or lease

I called this compa

ny Bmw financial services llc to Lower my monthly payment and renegotiate the payment plan, but its all show and no play. i told the agent that I am facing hardship due to coronavirus and all they did is send me this deferment plan of two months charging me a finance charge of {$130.00} over the age of the loan. this is a greedy and a third class company who has written on their website that they are going to help its customers but in realty doing nothing and just providing fake public empathy. I received two emails from BMW showing their fake empathy towards me that they are with the people in this testing time of Corona virus and epidemic but it is all false, they are just greedy about making money
and all their statements are false. So please don't get carried away by their spineless snarky statements.
Product: Credit card or prepaid card

On XX/XX/2020 I made a dispute online with Chase. The dispute was for an airline ticket purchased on XX/XX/2020 with XXXX in the amount of {$2100.00}. The airline canceled my flights and refused to issue a refund. On XX/XX/2020 I received a letter in the mail from Chase Cardmember Serives saying my dispute was resolved and they would rebill my account for the full amount of {$2100.00}. They did not provide any other explanations. I called chase on XX/XX/2020 and a representative told me my case was closed because XXXX XXXX provided the terms and conditions to my flight and they had no obligation to issue a refund. I explained to the Chase rep that those terms and conditions are in violation of the United States of America Department of Transportation 's rules and regulation. They issued an Enforcement Notice on XX/XX/2020 Regarding Refunds by Carriers because so many airlines were violating US Laws. Denying refund requests and limiting passengers to vouchers or credits for future travel breaches the companies contracts of carriage. The U.S. Department of Transportation clearly states that U.S. and foreign airlines remain obligated to provide a prompt refund to passengers for flights to, within, or from the United States when the carrier cancels the passengers scheduled flight and the passenger chooses not to accept the alternative offered by the carrier.
Product: Checking or savings account

I bought some money orders that I no longer needed. I mobile deposited them into my Citi checking account a week after I purchased them. Citi put my account on hold for XXXX business days to make sure the money orders cleared. I called back on the XXXX business day and they said they were closing my account and would not tell me why. They said that they funds from the money orders had cleared and posted to my account. I also called XXXX XXXX to track the money orders and all of them said they had been cashed in the days that I deposited them into my account. So I dont understand why my account is closed and I they wont give me access to my funds. I called a Citi bank branch and they said there was nothing they can do.
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts are not mine I have no knowledge of tgrm
Product: Mortgage

My wife and I have completed successfully XXXX trial loan modifications with Wells Fargo/ASC on loan number XXXX an Investment property. 
We also completed XXXX trial payments on another Separate Wells Fargo loan number XXXX. Wells Fargo said they would not modify these loans if the liens were not addressed. 
These liens which the Wells Fargo Home Preservation specialists provided us with were cleared. 
In XXXX 2015 Wells Fargo modified loan number XXXX, but they have refused to modify this loan number XXXX. They want us to pay off the second lienholder or have them subordinate the lien. 
The second lienholder has modified their loan twice but Wells Fargo said they will not modify the loan. Our even speak to the Second lienholder who agreed to work with me if Wells Fargo contacts them. I have no single point of contact at Wells Fargo, I keep getting letters but when I call in to Wells Fargo I am transferred from person to persons who keeps telling me to send in documents or call back when I get my second lienholder to subordinate the loan.
Product: Credit card

A hold was placed on my debit card without any warning from citibank. I called to request the hold be removed and they said they called my number and left a voicemail with a reference number to verify my account. I did not receive the voicemail and asked for them to call again. They put me on hold and claimed that they called my number but I received no call. The agent then promptly hung up after saying that my card would be locked until I had a number that they could reach to verify me.
Product: Debt collection

Received a letter on XX/XX/XXXX from American Coradius International LLC claiming I owe XXXX, XXXX {$9400.00}. This is not my account and XXXX shows a XXXX balance for my account.