23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

Greetings, I sent a registered security to Discover financial XXXX XXXX XXXX, for card account # XXXX and card account # XXXX. I was then in phone contact with a correspondence for XXXX XXXX XXXX that goes by the name XXXX XXXX XXXX XXXX told me that I must pay them in US Dollars according to the card member agreement I signed. I asked for written notice on this and received a letter which you can find as exhibit 1a ( attached ). She said in her letter that she could not provide me a signed copy of the agreement. I was also told over the phone that my securities that I had sent in were being sent to the proper department that handles them. These securities were kept and used by Discover. The evidence I have of this is that they were never returned to me nor did any one send written correspondence to let me know I did any thing incorrect other than not pay in US Dollars, which I will add there is no agreement to that. I then sent more letters asking for clarification along with attempting to keep Discover in honor. They refused to answer my questions and respond to my letters appropriately. I have attempted to fix this matter with Discover for many months now and It seems they are going to continue to violate my rights and commit crimes such as securities fraud against me. I have attached to this complaint all of the information and written communication between myself and Discover for your review. I provided Discover with all applicable laws, codes and statutes to keep both myself and Discover within honor. I recently received a letter from discover that is telling me they took steps to block me from discussing this issue any further ( Please see exhibit L attached ). Discover has also began to report negatively on my credit report ruining my name and causing distress and harm to my life. As you will see in exhibits A-L attached I have tried every thing I can to get Discover to act lawfully in This matter. Please help me settle this matter before I have to bring it to legal proceedings. 

As a side note, I have been sending a CC to XXXX XXXX XXXX at Discover Bank, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Also to XXXX XXXX XXXX Discover Financial Services, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX Also to XXXX XXXX XXXX Discover Financial Services, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  I have done every thing I possibly can to resolve this with Discover Financial. They refuse to do business in proper form and honor. 

XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity has been compromised by theft awhile ago, the after effect still has me compromising with the credit agencies. It's my believe the credit reporting agencies should physically verify any information that report and pass that same information by way of physical documentation to the consumer, if not then the accounts should be blocked permanently and instantly. The following inquiries needs to be blocked from my credit report someone obviously used me information. The following inquiries are XXXX   ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ). In addition the following accounts also need to be blocked for the same reason, XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX XXXX   ( XX/XX/XXXX ) ( XX/XX/XXXX )
Product: Credit reporting

One of my addresses is listed at XXXX XXXX XXXX, XXXX XXXX XXXX. Year it is listred for I was XXXX at XXXX XXXX XXXX in XXXX.
Product: Student loan

I applied for the XXXX plan via the XXXX website in early XXXX. The XXXX website says my application has been processed by EdFinancial, but I have received no information regarding my application or its status by EdFinancial. I have called multiple times and left my number for a call back, but EdFinancial does not call back or pick up the phone. Their online chat feature is also unavailable. I am not the only person having this issue. It is unacceptable that we are expected to pay incorrect amounts of money to EdFinancial when they are unwilling to respond to any form of communication. I should not have to pay incorrect amounts solely because they will not answer the phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX. I recently checked my credit report and was able to see a bunch of fraudulent actions taken in my name. I saw numerous fraudulent accounts as well as inquiries on my credit report. This is frustrating because I never attempted to get any lines of credit with these companies, and now this fraud is hurting my credit score. I am very frustrated at the fact that I have tried to resolve this many times. I will place the items I want removed below along with an FTC report and proof of ID.
Product: Payday loan, title loan, or personal loan

I am a XXXX XXXX XXXXXXXX XXXX XXXX  that needs your help against XXXX XXXX XXXXXXXX, who conducted an illegal XXXX interest rate transaction, then sold this illegal transaction to XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, file # XXXX, Who the sold this illegal XXXX  interest rate account to XXXX XXXX XXXX Debt Recovery SolutionsXXXX XXXX XXXX XXXX XXXX, XXXX NY XXXX XXXX XXXX XXXX. 
Several illegal usury lawsuits were filed against many of these payday lenders and others in XXXX  by various state attorney generals. I paid these people $ over {$2600.00} in XXXX  over a {$2600.00} they still say that I owe them {$4300.00} Please Help
Product: Credit card or prepaid card

I have a BlueBird American Express Prepaid Debit Card. Log-in would not accept a saved username and password on a card I have had for 10 years. We changed the password, used it, and then it locked us out permanently holding my minor child 's money ( MY MONEY ) essentially XXXX. I have tried changing the password, I have tried opening a new account, but it doesn't port the money over. There is no customer service to call because it's automated and it only asks me to activate my card as if it is new and it's over 10 years old. I do not have a 4 digit number to give them to activate it because it is not new, then the automated service simply hangs up on me. There is no chat feature, and there is no email contact. This is not a credit card. I have not defaulted on anything. I need to get into my child 's account. They are keeping me from MY MONEY with absolutely no way to reach them. This is my child 's chore money and her card. Don't they realize this is illegal?
Product: Credit reporting or other personal consumer reports

I dispute the following hard inquiries on my credit report : XX/XX/XXXX XX/XX/scrub> 2024 .Under the Fair Credit Reporting Act ( FCRA ), Section 611 ( 15 U.S.C. 1681 ), unverified inquiries must be removed. Please investigate and remove any unverifiable inquiries.

Idont recognize this Thai should delete in my credit report
Product: Mortgage

Loan Depot Complaint # XXXX-XXXX  XXXX XXXX, SVP of Loan Integrity Thank you for your detailed response to my complaint. There is one large item that is not considered in your letter and that is that " We closed on XX/XX/XXXX and the contract we signed said you would pay XXXX XXXX  on XX/XX/XXXX. '' You actually paid XXXX XXXX on XX/XX/XXXX. This action created a " shortage of {$480.00} ''. XXXX following this discovery made changes to the contract we signed. Please note that XXXX created the problem not me. The subsequent changes placed the excesses of {$1100.00} in flux and then XXXX decided ( not informing me first ) that {$940.00} would be placed against the principle. This then caused my escrow account to be short which will raise my monthly escrow account payment to increase by {$90.00} plus dollars. 

I was the one to initiate the refiguring of my escrow account or I would have been responsible for the difference at the end of the year. I am dependent on you to protect my interests. As a relative novice to the game, this smacks of fraud to me but to you it is business as usual.

Trust is the basis between two parties to a contract. Unfortunately, your actions as a financial entity should be made known to the public for these kinds of activities. It is my credit score that suffered due to your ineptitude. It is up to you to repair the damages. 

Loan Depot and XXXX fully understand what actually happened and its cause. Please correct these errors as soon as possible. This action will prevent me from proceeding with our complaint to the Consumer Financial Protection Bureau.
Product: Mortgage

Shellpoint mortgage took over my loan from XXXX XXXX in XX/XX/2020. Since that time Shellpoint has not made my loan whole since they took over. Payments varied from month to month from $ XXXX XXXX per month. My payment should be XXXX according to my XXXXXXXX XXXX terms with XXXX going towards my principal and interest and {$360.00} going into my escrow account. They continue to put my interest at 5.5 % and the loan modification that was set up by XXXXXXXX XXXX is 2 %. I have a letter stating that Shellpoint checked over the terms of loan from XXXX and said that 2 % is the interest rate on the loan and yet Shellpoint cant get it right since XX/XX/2020 and as of this date XX/XX/2020 they are still charging me 5.5 %. Since XX/XX/2020 they also have been charging extra escrow to my loan and that is due to the fact of the homeowners insurance that they are charging me that they should not be doing. I pay my homeowners insurance every month with my auto insurance. When XXXXXXXX XXXX had my loan it was set up to pay my homeowners on my own so it was not in the terms for Shellpoint to take that out. Currently Shellpoint has {$2000.00} that they sent to XXXX XXXX and in return XXXX XXXX sent it back to Shellpoint. Since i have been making my full payment of XXXX every month, Shellpoint has put money in other places that i have no idea where. On my statements it shows that i only paid {$200.00} and thats it. Where is the other XXXX???? I now have Shellpoint calling 2-3x per day asking me when am i going to pay last months payment when in fact the already have it. They also have sent it to the credit bureau and my credit score has gone down. i have spent my whole life taking pride in my credit score and just like that Shellpoint destroyed that.
Product: Debt collection

XXXX XXXX  trying to hold me liable for a debt that I didnt agree to for pictures never received.
Product: Checking or savings account

Hello To Whom It May Concern, On XX/XX/2018, I was at the Chase ATM in XXXX, IL. I made a deposit of {$410.00} into the ATM as the deposit was processing a spinning circle appeared on the screen. I called the customer service representative to be advised of the next steps that needed to be taken. They ask me what was the last digits on the ATM card I replied to the representative and told them I don't know because the card was in the machine and I will need to remove the card. I remove the card the ATM rebooted and the funds did not appear in my account. I re-entered my card to check the balance and funds wasn't on there. The Representative then requested me to give the increments of the cash that was placed in the ATM 2- {$100.00}, 1- {$50.00}, 7- {$20.00}, 1- {$10.00}, and 10- {$1.00} bills. I asked if I needed to make a police report and they told me no. I went to the branch and also went back and forward with the claims department for 14 days to find out today on XX/XX/18 that I will need a police report to have them review the cameras at the ATM because of the system isn't showing any missing deposits and the claim was closed. I went to the police station to file a report the officer stated it's not a crime no need to file a report. I'm all out of answers and keep hitting dead ends. This is my last result hopefully this would make them look at the tape from the ATM. I filed a previous report here and seen that it had the wrong date. So this is my second complaint about the same issues that occurred on XX/XX/18 around XXXX.
Product: Debt collection

I received a revival of Judgement, from XXXX XXXX XXXX XXXX, XX/XX/XXXX, for a judgement XXXX for {$1200.00}. XXXX XXXX XXXX XXXX XXXX, filed the complaint pursuant of Judgement for $ XXXXthe second page, asked about my vehicles, a strange woman showed up at my XXXX residence XX/XX/XXXX at XXXX XXXX asking about my vehicle that is parked in her yard. 
This XXXX XXXX is threatening to take and sell my vehicles for some debt revival
Product: Credit reporting or other personal consumer reports

They re opened a closed account with XXXX just because I am currently disputing the charge off with all the credit bureaus yet they dont provide information and information is missing, they have had many errors and I ask for this account to immediately be taken off my credit report. The account was closed and all of a sudden its open again. These are methods that are against the law.
Product: Mortgage

This is regarding a Chase mortgage originated in XX/XX/2016 for a residential rental investment property. 

I have reviewed every disclosure and document from my loan origination and find absolutely no mention of the PMI LTV requirement of 65 % to eliminate PMI. Everything I see suggests 80 % LTV or at least 78 % LTV. I have reached 80 % LTV and expect to be able to remove PMI. After reading the comments here, it seems this so-called requirement is often not disclosed, not understood by investment borrowers, not mentioned as different for investment properties, and arbitrarily varies across a very wide range of LTV % requirements. 

If this LTV % requirement for cancelling PMI does vary, how and why does it vary, who decides the requirement, when is it decided, where can I see this decision was made, is it fixed or flexible, and where is it disclosed to me so that I understand what financial burden I have agreed to? Chase has not been able to provide any documentation supporting the 65 % LTV requirement and has referred me to " the investor '' XXXX XXXX, whom also seemingly can not.
Product: Checking or savings account

I currently have an account with Wells Fargo and have banked with them for over 25 years. Recently we noticed that a {$14.00} charge had been occuring in the account for access to XXXX XXXX  for the last 24+ months. After going into the branch and making multiple calls over several months I was able to connect with the correct department to have the charge stopped and they refunded the charged fees. This happened XXXX weeks ago. 

Yesterday I received a letter stating they had enrolled me again with XXXX and Bill Pay access which I did not request. Today there are two fees in my account again for {$14.00} each. Per Wells Fargo Website they do not charge access for using XXXX. We have never used bill pay or XXXX. Looking on line there are other consumers that have had the same issue. It seems they are counting on consumers not noticing a {$14.00} fee so they can pad their revenue similar to their previous issues with opening unwanted bank accounts.
Product: Student loan

Since the winter of XXXX, I've been trying to re-apply for the " Rate Reduction Program '' that I was on from XXXX. When I initially inquired further about this process, I was told that it was available as an option to me given that it's the only solution that is affordable for me, and keeps my Sallie Mae monthly payments consistent and in good status. 

With that, I chose to put forbearances on my account ( which ended up being another issue they had to fix after I filed a CFPB complaint this summer because they kept telling me I was " approved '' but it wasn't being properly reflected in my account ). 

Now, I am back trying to figure out how to make my monthly payments affordable and the only options offered to me have been interest only payments that very slightly reduce my bill ( from {$520.00} to {$480.00} ) AND keep me in a delinquent status or pay the full monthly fee for three months to show good faith and go from there. 

Neither of these options make sense of me, my credit score, my financials, and Sallie Mae 's ability to get paid. These are not solutions, they are only mere alternatives to keep my interest rates high while Sallie Mae gets a payout. 

I need to get my interest rate and/or monthly payments reduced to be more aligned with what I was paying on their " Rate Reduction Program ''. On XX/XX/XXXX, my account manager and the various reps that I've spoken to have told me that they see that I SHOULD still qualify but for some reason the system is listing me as ineligible. My account manager XXXX XXXX informed me that he had no idea why and there isn't a way for him to see the reason for that. He mentioned that Sallie Mae has undergone significant changes this year so that could be the reason why -- but this is still super unacceptable to me. 

The max monthly payment that I can currently afford is $ XXXX/month. I need actual solutions from Sallie Mae and less of this unclear back and forth that makes me feel as though they are XXXX  with my account in an attempt to keep their business as profitable as it can be. 

This coupled with the miscommunication delivered in regard to my continuous need to apply for a forbearance on my account, has put me in a position where I feel like this company either is failing to implement new protocols and communicate them to consumers OR this is all a part of their plan to increase profits during the hardship that has been the Covid-19 pandemic. All at the expense and via the manipulation of the consumers wellbeing and shady business practices.
Product: Debt collection

I looked at my credit report. There is one account placed with collection agency. I did not own this account. This seems to be Identity theft. Following is information about account RECEIVABLES PERFORMANCE # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX WA XXXX PLACED FOR COLLECTION XXXX BALANCE- {$1000.00} ORIGNAL CREDITOR- XXXX This account does not belongs to me. It looks someone fraudulently open this account on my name. I already contacted the Credit companies and requested them to remove this account from my credit file..
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking of the erroneous information which is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX Balance : - 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 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 According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

I have disputed accounts # XXXX, XXXX with Credit Bureau Services on XXXX/XXXX/2016 and sent my dispute certified mail requesting validation of this debt. Credit Bureau Services failed to provide me with a copy of any viable evidence, bearing my signature. A second certified letter was sent XXXX/XXXX/2016 and I have not heard back from Credit Bureau Services, They are now out of compliance with the FRCA. I 'm sure we would both like to handle this outside of court, so all I ask is that you remove this listing from all the credit bureaus. If you refuse, I will take legal action.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive had multiple new account inquiries trying to open a credit line : XXXX XXXX AMEX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/2022 American Express I did not inquire about anyone looking into my credit nor apply for any credit card recently.
Product: Credit card or prepaid card

Hello, I opened a credit card from chase ( XXXX CREDIT CARD ) One of the perks of the credit card is to obtain ( XXXX-miles ) with everyday purchases. They had an offer of spending {$5000.00} in 3 months you get XXXX miles. After a few months, my points never arrived in my account. After several calls to obtain my miles they refuse to validate my offer and benefits. Chase open an XXXX XXXX card number on my behalf. That's the only way you can have access to the miles. I did not get any instructions or access to my account and miles. I called XXXX more times than I could count to see if I could get access to it. The number doesn't exist and Chase tells me it does. Back and forward the situation goes nowhere. I requested a voucher for my points since they cant do anything to get my offer or benefits. And the answer was no. I dont have an email or phone number to contact the department I can reach to help with my inquiry. Customer service did not help at all. They want me to call XXXX and do all the work. On top of all when you are in your chase account the part of redeeming your rewards takes you nowhere. Without the XXXX XXXX  number, you cant do anything. I have proof of EVERYTHING. Again, they dont want to validate my offer or benefits after several calls. With zero options for getting my miles. Thank you.
Product: Checking or savings account

My LLC has a checking account with People 's United Bank. We started with XXXXXX/XX/XXXX and then they were bought out and accounts transferred. 
This past year we have been charged account analysis fees monthly for XX/XX/XXXX/mo. It took calling the bank to learn it was because we had two two users on the account. However, the customer service folks could not tell me how to remove a user and thus get rid of the fee. I had to be transferred to the eTresury specialist. After waiting on hold over 30 minutes on two separate occasions, I did get through today after 40 minutes on hold. 
The representative told me I had to email the department to ask a user to be removed, but when I was unhappy with that action, I was transferred again to XX/XX/XXXX- who showed me on the site how to remove a user in a matter of a minute. 
I do not think I should have been charged for this fee over the last year having tried to get through to the bank to remove the user. It was easy to do once showed, but even 2 levels of their own Customer Service folks did NOT know how to do it. 
The bank needs to be better staffed to handle calls, the training needs to improve so folks know how to use their own system, and customers should not be charged fees they can not address easily or even understand as to why they are being charged.