23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I, after investigation, found out that the mortgage company, Rocket Mortgage, was charging PMI for the appraisal amount instead of the loan amount. Was supposed to be an equity loan. But later found out that they did as new home purchase. PMI, according to XXXX, loan amount times .055 % XXXX. Using this information, I calculated, using algebra formulas, that they was charging $ XXXX per month ( for appraisal of {$160000.00} ) instead of $ XXXX on the {$120000.00} loan. They also rolled into the loan a {$10000.00} closing fee, when the GOOD FAITH ESTIMATE of {$2000.00}. 
They won't adjust the rate, cancel ( home value exceeds {$220000.00} and only owe {$110000.00}. 
They " cooked " the closing documents and took us, self and wife. I feel cheated, and need help besides hiring an attorney to sue them as last recourse. 
Thank you.
Product: Checking or savings account

A bank that gave me a deposit slip on XX/XX/XXXX confirming receipt of checks and cash totaling {$2300.00}, today notified me that they're debiting my account by {$1400.00}. 

I'm the XXXX of a XXXX XXXX XXXX XXXX XXXX organization that banks with XXXX and as XXXX I regularly make deposits in person at a local USBank branch following events that the organization holds throughout the year. I always keep an XXXX spreadsheet with a breakdown of the deposit that identifies each check being deposited and the number of each kind of cash bill being deposited and I have copies of almost all such deposits going back to XXXX as Ive been XXXX all those years. 

On XX/XX/XXXX, the organization had a luncheon for seniors event where the charge to attend was an even {$20.00} per person. About 125 people attended the luncheon ( we were only charged for XXXX ) and we collected some payments in advance but most people paid at the door. On XX/XX/XXXX, I made an in person deposit at the bank totaling {$2300.00}, consisting of ten checks totaling {$590.00} and cash totaling {$1700.00}. The {$1700.00} cash breakdown was all in bills, XXXX XXXX, XXXX XXXX and XXXX XXXX. I received from the bank teller a stamped deposit slip for {$2300.00}. 

At least 2-3 weeks later, the bank called to tell me that there was a discrepancy in the amount of cash received and especially in the number of XXXX deposited that day. I told them that I was absolutely sure that I deposited XXXX XXXX dollar bills and suggested they check their camera footage. Over the following couple of weeks, they called again 3-4 more times and I even sent them a copy of my spreadsheet showing my deposit breakdown, etc., and pointed out that my file folder date and timestamp on that spreadsheet file was for the day and afternoon before the deposit was made. 

Today they called again and I asked them to send me an email as I was getting frustrated with all the calls. The email today says We will need to debit {$1400.00} from the account ending XXXX since we did not see XXXX bills of XXXX on the date of XX/XX/XXXX. 

That email also raises another issue for the first time : " I dont see any large cash deposit on the account ending XXXX for past few years, so wanted to check why only this time you had large cash deposit. '' She obviously didn't check my XX/XX/XXXX cash deposit totaling {$1500.00} ( which included XXXX XXXX! ), a XX/XX/XXXX cash deposit of {$1100.00}, and another cash deposit for {$1100.00} a month prior on XX/XX/XXXX. That's after just a quick glance through some deposits, but I'm sure they didn't realize that I keep copies of them all! 

I hope you can resolve it before I have to involve an attorney and the media.
Product: Credit card or prepaid card

( DETAILED DOCUMENT UPLOADED ) CFPB COMPLAINT SYNCHRONY XXXX XXXX BACKGROUND : I opened this account to replace carpet in my XXXX XXXX XXXX XXXX home. I made the purchase at XXXX, on XXXX XXXX in XXXX, CA where the salesperson directed me to obtain this account for financing. As it turned out, I am essentially renting this carpet for {$230.00} per month with no balance reduction on my credit account after 18 months of a perfect payment history payments towards 70 % of initial credit line. Something is clearly wrong here. 

I have two other Synchrony retail accounts with similar perfect payment histories and paid-in-full balances : 1 ) Care Credit, 2 ) Amazon Shopping Card. 

ISSUES : 1. My balance is not reducing from initial credit line of XXXX 2. I have made a total of {$4200.00} in monthly payments since account opening in XX/XX/XXXXwith a credit line of {$6500.00} ; yet balance reported {$6500.00} on XXXX, so no balance reduction recognition in 18 months. 
3. My XX/XX/XXXX minimum payment jumped 100 % to {$530.00}. 
4. I was charged {$1400.00} in usurious interest, retroactively! 
5. My credit line was reduced on a false accusation of late payments to {$6200.00}. 
6. Credit line reduction put me in an over-limit negative status forcing me to make additional payments to get it under the credit line. 
7. My credit line reduction forced my account to 100 % utilization negatively impacting my FICO credit scoring. 


PURCHASES XXXX  : {$3300.00} XX/XX/XXXX XXXX XX/XX/XXXX {$330.00} XXXX {$1700.00} XX/XX/XXXX Total Purchases : {$6000.00} INTEREST CHARGES LUMP SUM HITS {$990.00} XX/XX/XXXX {$420.00} XX/XX/XXXX Total Retroactive Interest Charged : {$1400.00} PAYMENT HISTORY : Total Monthly Payments Made : {$4500.00} or 70 % of credit line repaid yet 100 % of initial credit line and account balance still owed,
Product: Credit reporting or other personal consumer reports

The above noted personal identifiers are the only requisite reported ones that I authorize, please eradicate any allegations of any others that you might have and block any others from being report-ed, or demonstrate to me your regulatory right to retain as mandated by FCRA laws XXXX I DO NOT AUTHORIZE you to retain ANY not MANDATED allegations versus me. ANY INFORMATION you retain or report MUST be mandated, true, correct, complete, timely, proven mine, of my re-sponsibility and otherwise compliant to any and every reporting regulation in my state or federal laws. 
Unauthorized and or possibly Fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegation of Credit inquiries by Original Creditors on my consumer credit reports In the course of recently screening my personal consumer credit report, I observed what obviously appears to be likely some unauthorized and or fraudulent credit inquiries and undoubtedly ones de-ficient of the compliant proven permissible purpose ( to be retained or reported lawfully ) allegedly made by the following Original Creditors : Alleged Creditor # 1 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX XXXX Creditor # 2 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX  XXXX XX/XX/XXXX Alleged Creditor # 3 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXXXX/XX/XXXX Alleged Creditor # 4 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX nAlleged Creditor # 5 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX Alleged Creditor # 6 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XX/XX/XXXX Alleged Creditor # 7 and the ALLEGED date of the NOT PROVEN COMPLIANT inquiry defi-cient of true Permissible Purpose that REQUIRES immediate and permanent deletion : XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting

I the Consumer file this Affidavit and Notice of Complaint with the Consumer Financial Protection Bureau for the matters set-forth herein. After requesting EXPERIAN to remove negative credit reporting activities of XXXX XXXX, the consumer was denied remedy to a complete and accurate investigation in regards to the removal of the items/accounts on his Credit Report. 

There are issues where the credit bureau EXPERIAN has denied the consumer remedy and a review of ALL proof of claims ( documented information provided by XXXX XXXX ) subject to public access. I, the consumer, offer this affidavit to EXPERIAN for the refusal to remove negative items/accounts from the consumer 's credit files, despite the consumer 's request and for failure to verify to the consumer any disclosed information in regards to the accounts being reported.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

I went to a XXXX XXXX and tried to apply for their credit card and when asked for my social security, it showed on their screen someone was already one file with the same social security. And they told me I could get the credit card because someone already had one under my social security.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX XXXX : XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

Received continuous harassing phone calls from XXXX XXXX XXXX for 3 months, leading to my filing CFPB complaint # XXXX in XXXX. 
XXXX 's response to my filed complaint stated that the delinquent CC account number ended in XXXX, with a balance due of {$3800.00}, and was opened by someone with my name and the last 4 of my SSN. They further indicated that a notification letter was sent to me in XXXX, 2019, which I had never received. 
Being concerned about a potential compromise of my accounts by the Equifax breach ( or other? ), I put a freeze on all of my credit bureau accounts to prevent anyone from opening any account in my name. I was very disturbed to discover ( in reviewing my credit report ) that the record shows that XXXX XXXX XXXX had been allowed to access my credit reporting account!! This does explain how they came up with the last 4 of my SSN to use in their official response to my earlier CFPB complaint ( NOTE : My credit report clearly shows NO CC ACCOUNT ending in XXXX! ) This is/was clearly an attempt to SCAM me for a balance due on an account that they know I never had! 
My current follow-up complaint is due to XXXX XXXX XXXX now FALSELY inputting derogatory information into my XXXX credit report. My credit score has been 870+ continuously, until just recently dropping by more than 100 points! I have requested a copy of my XXXX credit report, but this occurred just as I have now received a letter from XXXX XXXX XXXX with their followup documentation justifying (? ) their harassnment. XXXX has included a copy of a letter that Synchrony Bank sent to the CORRECT PERSON (! ) at their CORRECT ADDRESS (! ) regarding THEIR account last XXXX. 
Copies of all will be uploaded with this complaint. Note that the XX/XX/2019 Synchrony Bank letter was sent to a different person with the same name who lives at a different address. I have never lived at any other address in Arkansas than my current address. This is clearly a continuing SCAM attempt to collect money that I DO NOT OWE ( and they know it! ).
Product: Debt collection

Account opened Date ; XXXX Amount owed ; {$64.00}. Im not liable for this debt with XXXX XXXX XXXX. I do not have a contract with Credit Collection Service.They have not provided me with original contract as I requested.
Product: Payday loan, title loan, personal loan, or advance loan

I recently updated my cell phone number and cell phone carrier. I have been attempting to update this information since May to no avail. I have called the company 4 times. I have confirmed my new number XXXX times. Each time I was told that I would be receiving a verification link to send proof of identity. Started this process XX/XX/XXXX. Had to escalate twice to finally get a link sent to me today XX/XX/XXXX. As of XX/XX/XXXX, I'm still locked out and have no way to settle my debt. I am told that verification will take another XXXX to 5 days. Once again I started this process XX/XX/XXXX. I was offered the option to settle the account over the phone, but I was also informed that I would not receive any information regarding the status of the account until the verification was settled. I would never advise a client to make a payment they can not verify. Without access to my account, I am also unable to stop automatic withdrawals from my bank account. In summation, I have no way to settle my debt, stop withdrawals, update my information, or close my account. 
Legal action is my next move. 
Resolution : Unlock my account so that I can pay my bill and close it. 
I will never use this service again.
Product: Credit card or prepaid card

I tried to get money from the ATM and couldnt. Then I checked my email and it said that my card was closed due to an violation that I know nothing of. I have money still on that card and I cant reach them by phone.
Product: Credit card or prepaid card

On XX/XX/2019, I placed an online order -Order Number XXXX for {$820.00} with XXXX XXXX. The order was charged to my XXXX XXXX credit card, sponsored by Comenity Bank. The order was for 2 items - a Picture ( XXXX + XXXX oversized shipping charge ) and a Candle holder. I received the Candle holder. The items were shipped separately, and noted in the shipping information for the picture it said shipper would contact me for delivery. I was never contacted. After waiting a few weeks, I reached out to XXXX XXXX customer service and was told that the customer service person would investigate and call me back. I heard nothing back. I made multiple attempts to contact XXXX XXXX again by phone, and also by email through the XXXX XXXX Website. Additionally I contacted the XXXX XXXX store located at XXXX XXXX and spoke with the Manager multiple  times, who reached out to the Area Manager, who unfortunately said they could not help me since this was not a store purchase. 
When I received my credit card statement and it included the charge for the picture, I contacted Comenity Bank and placed this into dispute. The agent I initially spoke with miscategorized the complaint, and I received a letter from Comenity Bank. I immediately spoke to a Comenity Bank supervisor who placed this back in dispute. This was in early XXXX. Comenity bank also had me submit a written dispute through their website portal. Today I received notice that Comenity bank has taken this matter out of dispute - DUE TO THE FACT THEY WERE UNABLE TO GET A RESPONSE OF ANY KIND FROM XXXX XXXX- and charged me back the {$670.00} dollars to my account. If I am unable to get a response from XXXX XXXX and take the steps to resolve it, and the Credit Card Company is unable to get any response - HOW CAN I BE HELD RESPONSIBLE FOR THIS CHARGE? It is unimaginable that XXXX XXXX has no obligation to respond to either the consumer or the credit card company, yet I am obligated to pay for something I did not receive. 

It is unthinkable. I spoke at length with Comenity bank today - and they said they can not do a thing about it, and they recognize my frustration, but basically, its my tough luck. What would stop any retailer from arbitrarily billing whatever they want on a consumers card if they do not have an obligation to prove that merchandise was shipped and received by the consumer. 

I can not escalate my claim any further - at Comenity bank and can not get in touch with XXXX XXXX, although I've left another message for them. So I'm left with no alternative but to file a complaint through CFPB. 

Please help me, this is unfair and unreasonable. If I don't pay, this will be a blemish on my CREDIT REPORT, and to be strong armed into paying {$670.00} for merchandise I never received is just unreasonable. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

For the last several months I have requested a mortgage assistance package from Bank of America. Each time I request a package, the representative promises to mail it. Each time it never arrives. I do receive from Bank of America collection notices and other bills, but is n't if funny - the XXXX thing they will not send me is a mortgage assistance package. I am behind on my mortgage payment. By their actions, Bank of America prefers to profit from foreclosure instead of offering mortgage assistance.
Product: Credit reporting or other personal consumer reports

I am writing to dispute and request the correction of inaccurate information on my credit report. Upon reviewing my credit report, I have identified have an accounts that are reporting late payments inaccurately. I have contacted the company associated with these accounts, and they have confirmed that the late payments was errors and have agreed to update my accounts and remove the late payments Below are the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXd XXXX XXXX. 

I would like to bring to your attention that other credit bureaus have already corrected these accounts on their end. Therefore, I kindly request that you update my credit report to reflect these corrections. I understand that you are required to conduct a reasonable investigation into disputed items. I request that you investigate these accounts promptly and make the necessary corrections.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX states that " A consumer may exercise the right to opt out at any time.

I am officially opting out of your reporting services. Unless I personally authorize specific information to be furnished, I exercise my federally protected right to opt out of any and all future reporting!
Product: Credit card or prepaid card

I paid a balance due of {$340.00} to XXXX for a deferred interest promotion that was expiring XX/XX/XXXX. The check was mailed onXX/XX/XXXX and I notified the representative that the payment was in the mail via check. She told me they would allocate the payment to my account and allow up to 30 days until my check arrived.

My checked was mailed -XX/XX/XXXX and XXXX  did not post my payment until XX/XX/XXXX after the next interest period causing me interest fees.

When I spoke with the representativeXX/XX/XXXX after having received my new bill today XX/XX/XXXX my payment had still not been applied to the promotional amount. I had to request the allocation of the payment once again to the promotional balance expired XX/XX/XXXX. She allocated the payment to alleviate the interest charges but had I not phoned them it would have never been allocated and my deferred interest payment fees would have ensued. I was told it would be applied in 24-48 hours but not be allocated for 1 or 2 billing cycles ... .to my account. The total of {$59.00} deferred interest fees will be credit back to my account. I have 2 concerns : 1. How many customers have mailed payments for their deferred interest timelines and were not credited back their interest charges. Did all of the customers have to call again and request their payment to be allocated? I had already called and made conversation the amount being sent and what it was to be allocated for the first time, why was it not applied? 3. Why will it take 1-2 billing cycles for my credit to post to my account ... for more interest to be earned by XXXX a million customers ....?

2. Why did it take 25 days for my payment to post to my account ... could there be additional interest charges being gained by XXXX ... .to hold the payment? I was told it would show as a credit in 24-48 hours but why up to 2 billing cycles to show on my statement. Please investigate the XXXX   store card.

I
Product: Checking or savings account

XXXX tried to charged me multiples times large amount of money from my saving account and I never authorized XXXX  to charged me any money from my saving account. and because I don't have enough funds when they tried to charge me from my saving account so Citi bank charged me 4 times of return check fee. 3 times of {$34.00} and one time of {$68.00} and Citi charged me {$170.00} total of return check fee but they only agreed to gave me two times of {$34.00} back which its {$68.00} and they aren't willing to give me rest of {$100.00} back and I am not happy about it, since it's unauthorized transaction in my account cause saving account charged me the return check fee and since it's unauthorized why am i responsibility to pay for the overdraft fee charge from my account?
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is reporting not only as OPEN, but also shows a past due balance of {$9000.00}. According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. 

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

These items have been paid in full and are reporting to my credit report when they are supposed to be permanently deleted and removed from my credit report. 

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX. ) XXXX XXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX XXXX  # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXXXXXX XXXX XXXX ACCT # XXXX XXXX. ) XXXX XXXX ACCT # XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect to include their verbal agreement to remove these items. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

To whom it may concern : I wrote Calvary a letter in regards to this debt that does not belong to me for {$4200.00}. They have not responded back to me I need for this to be removed from my credit report. Please see attached documents