23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am current up to the month of XX/XX/XXXX. 
I will pay XX/XX/XXXX in the next 10 days. 
I have late fees that are being added and credit report states very late but increasing payment to get it taken care of but the mortgage balance continues to increase. I will not live long enough to pay this note off. I am not paying XXXX cent on principal. They send someone to evaluate property every 3 months and its a fee, the fees and add ones are out of control. I am not allowed to pay extra on the principal. PHH is a scam and are continually taking advantage of the people that cant afford to fight them. They were busted in the XXXX and they had to pay is {$500.00}. Why wasnt the terms to undo the over charges adjusted and fixed. Why wasnt their errors repaid in full and not just a small amount to several cases. Why was GMAC MORTGAGE allowed to just rename to Ocwen and then when they were busted they changed the name to PHH. Why isnt the Federal Government closing them down and holding these servicing companies accountable? I read an article that the mortgage companies make more on over charges, unreasonable fees that its worth it to them to commit these acts and just pay a fine when they are found out and busted. I would like to see a outside audit company audit several accounts tax and see their computer programs are rigged. 
Please investigate and stop them for the turmoil and stress they are costing the mid to low class who just want to own a home for their family.. 

They refuse to take my ex-husband off the loan and have the divorce degree and a quit claim deed.
Product: Credit card or prepaid card

I contacted American Express to take advantage of their 0 % Balance Transfer offer on their Amex Credit Card. When I signed up for the card, the representative told me that the maximum amount that an individual could balance transfer was {$7500.00}. I asked if this limit could be increased to {$13000.00} because I wanted to balance transfer {$13000.00} from my XXXX Credit Card and he told me no, but that I could apply for a second card and put {$7500.00} on each one. So that is what I did. My second credit card application was declined so I called American Express to find out why. This representative told me that I couldn't apply for the same credit card twice, but that if my wife applied for the credit card, that I could balance transfer {$7500.00} onto my card and she could balance transfer {$7500.00} onto her card. So that is what we did. I applied for the balance transfer and it went through right away. My wife applied for the balance transfer and it was " pending ''. After several days, we called American Express and they cancelled her balance transfer and resubmitted. After a few more days, we called to ask why and nobody could give us a clear answer other than to wait a few more days and to call back if I didn't go through. After several more days, I called in and demanded to speak to a manager. After being told they would have a manager call back, we waited 3 more days ... no call from a Manager. I called back last Friday and demanded to speak to a Manager. They assured me that a Manager would call back by the end of the day. After waiting 6 hours, I called back and refused to get off the line until a Manager answered my call. When he did, he informed me that you couldn't do a balance transfer from the same credit card more than once. This response is completely unacceptable. Now my credit card payment is due, and I'm going to be stuck paying hundreds in Interest charges because they did not allow a balance transfer that I was told by two of their representatives, could happen. On top of it all, their suggestion was to have my wife balance transfer the amount to a different credit card which we reluctantly did in the heat of the moment. 30 minutes later, we called back and told them to cancel that Balance Transfer and that we DID NOT want it to go through. The representative provided us with a confirmation number and assured us that the balance transfer was cancelled. She asked us to call back in 48 hours to confirm. 2 days later, my wife called back and she was instructed to do and they told us that the balance transfer went through. Now my wife has a - {$7500.00}  balance on her XXXX  XXXX XXXX card and a {$10000.00} balance on the American Express card. This is FRAUD and this is complete and total XXXXXXXX XXXX XXXX XXXX.
Product: Mortgage

On XX/XX/XXXX, I applied for a refinance of my current mortgage with NewRez Mortgage. And have still not closed on my refinance. They have consistently been slow to respond to inquiries about their delays, or havent responded at all. 

My projected closure dates have come and gone, without being notified of any delay. 

Further, I have been asked to sign a Uniform Residential Loan Application ( form 1003 ) 3 different times ( XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ), all with variances in the Details of Transaction section on all 3 applications. 
When I refused to sign it the third time, without an explanation of those variances, they have not responded to that email ( XX/XX/XXXX ). And they have also not responded to my subsequent email ( XX/XX/XXXX ).
Product: Checking or savings account

I am currently travelling overseas and Chase has locked online access to my bank accounts. I tried to call Chase to resolve the issue, but they refused to help me and said I need to come into a Chase branch to unlock the accounts. I can not come into a Chase branch, though, because I am out of the country and I will be overseas for at least two months. So I now have no access to my money while overseas and Chase refuses to help!

One representative at Chase said she would try to call me right back, but she did not call and when I tried to call Chase back, I received a recorded message saying they are closed for the day!
Product: Credit reporting, credit repair services, or other personal consumer reports

The bureaus have had more than enough time and chances to comply with the law. So due to repeated and blatant disregard for the law, I have already filed complaints against your company and my attorney will be, within the next fifteen ( 15 ) days, filing a civil suit against them and for the maximum in punitive damages and fines allowable by law if this account is still unresolved. 

Please remove XXXX XXXX Account Number : XXXX, XXXX  Account Number : XXXX, XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX  XXXX  ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX, XXXX XXXX ( Original Creditor XXXX  XXXX Account Number : XXXX, XXXX  XXXX  ( Original Creditor XXXX ) Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX,
Product: Money transfer, virtual currency, or money service

I am filing a compliant against cash app ( Block , Inc . ) do to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulations E. These actions have caused significant inconvenience and financial loss and I seek appropriate redress for these violations
Product: Student loan

Receive continues calls from Professional Bureau Collections of Maryland. I told them I could pay off the debt in XXXX because I was XXXX from the XXXX. They keep checking how much I have on my credit cards and telling me to barrow money. Today at XXXX and XX/XX/XXXX I informed them that I could pay it off in XXXX once I receive my final check. I am constantly being harassed by them and I have not refused to pay at all.
Product: Credit card or prepaid card

I have gone back & forth request a supervisor and these XXXX just give me generic robotic answers and keep giving me the runaround. 1. I have repeatedly told them I CAN NOT log into this website on a desktop. When I login via mobile I get an error message and have to go back. 2. I have asked them for the full web address that I should be using to manage my credit card as sometimes companies move to a different website or merge, but dont give me any answers.
Product: Money transfer, virtual currency, or money service

MY CAR WAS STOLEN WITH ALL OF MY PERSONAL ITEMS INSIDE, MY PHONE, MY DEBIT CARDS, MY DRIVERS LICENSE, IMPORTANT PAPERWORK. A POLICE REPORT WAS FILED WHICH I OFFERED TO THE COMPANY ON MORE THAN ONE OCCASION. THE THIEF ACCESSED MY PHONE WHICH WAS A NEW PHONE SO THERE WAS NO LOCK FEATURE ENABLED ON THE PHONE, BUT DID HAVE MY PIN SET UP ON MY ACCOUNT. OBVIOUSLY THE THIEF WAS ABLE TO FIGURE OUT MY PIN NUMBER SINCE HE HAD ALL MY PERSONAL INFORMATION, THEN HE TRANSFERED MY MONEY TO HIMSELF. 1 TRANSACTION FOR {$4.00} AND 1 TRANSACTION FOR {$730.00}. THE COMPANY SAYS THAT SINCE MY PIN WAS USED MY DISPUTE WAS DENIED AND SINCE I KEPT DISPUTING THE FACT THAT I WAS IN THE RIGHT THEY CLOSED MY ACCOUNT. THEY ALSO STILL HAVE MY FEW CENTS THAT WAS IN MY ACCOUNT AND THEY HAD THE MONEY THAT WAS IN MY KIDS ACCOUNTS. PLEASE HELP ME
Product: Vehicle loan or lease

XX/XX/2020 COVID-19 request skip payment ; which I got that was great but I purchased truck XXXX XX/XX/2020 shouldnt have gotten TD customer service tells me after like I should feel lucky no just 1st banking mistake 2nd issue called bank seeking another skip, but wasnt necessary upon getting bill I didnt owe for that month a miracle nope a billing mistake a payment from dealership do to their mistakes now Ive been billed as though I missed a payment and no correspondence by letter of mistake or corrected through contact I am currently 2 months due which looks like 3 please correct entirely late fees credit reporting payment history entire correction any fees or interest added. All documents with amounts are attached. After dealing with your customer service and your resolution department I was left feeling on multiple occasions like youre allowed to back office bill me and that you can do whatever you want and it has negatively affected me so Im hoping that through this channel I will get the appropriate correction Ill be bringing my bill current and I can just move forward.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020, I tried to transfer an amount of USD to my bank account from my PayPal account, and the transaction amount returned to my PayPal account About two days later, I received notification that my transfer had been denied, and my bank account deleted from PayPal. No explanation as to why. Moreover, I have used this bank account before for identical transactions without a problem. 

I contacted the customer service shortly after ( I can not remember the exact date ), where I had online contact with a PayPal customer service assistant, XXXX XXXX, who eventually told me my bank account had been blacklisted by PayPal 's security unit. Again, no explanation as to why. My request for further contact with and action from the assistant has been ignored. 

On XX/XX/2020, I tried to transfer the amount to my wife 's bank account ( same bank ), which has likewise been denied. After the denial of my first transfer, I contacted my bank to enquire about possible reasons. They professed ignorance as to the reason for denial. The bank confirmed that all my information was correct with no irregularities.
Product: Checking or savings account

woke today see my account was negative {$1000.00}. I called the bank imagine that there is an error where it was duplicated A charge. They mentioned that I can use my card without any fees ( They think that they are doing a favor by doing that while they are the one who made the mistakes and prevent the rest from getting to our money ). I use the card at a grocery store and still got declined. When I call to complain they hung up on me and just said to wait until XXXX XXXX. On Friday I usually do all of my grocery shopping and that's when I get most of the stuff for my family. When we make mistakes we get charged fees when they make mistakes we're supposed to shut up and take it. I thought this is America.
Product: Debt collection

I consumer XXXX XXXX XXXX XXXX have had my federally protected consumer rights violated pursuant to 15 usc 1692 multiple times. MRS BPO, L.L.C. mailed me a letter trying to collect on an alleged debt. This letter contained violations of 15 usc 1692 f ( 8 ), there can be no symbols on the outside or inside the mails in the attempt of collection of any debts, 15 usc 1692 e ( 2 ) ( a ) How can MRS BPO, L.L.C., allege I the consumer owes a debt, but the debt is shown in the positive balance? If the balance was owed in a bank account, it would be shown in the negative. This amount is shown positively. How can a person pay on a positive amount? This amount appears as if it were owed to me ; numerous violations of 15 usc 1692 e ( 10 ), violations of 15 usc 1692 c ( b ) MRS BPO, L.L.C. can not communicate with anyone other than the consumer, an attorney or CRA if permitted by law. However, the debt collector, MRS BPO, L.L.C. has communicated with the all caps name principal obligor, XXXX XXXX XXXX XXXX } and has always referred to my principal obligor and not myself the agent, natural person, and consumer in fact ; violation of 15 usc 1692 b ( 2 ), any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt, violations of 15 usc 1692 d ( 1 ) and violations of 15 usc 1692 d ( 2 ).
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I reviewed my Experian credit report and found inaccurate information for two XXXX  XXXX XXXX XXXX ( # XXXX and # XXXX ). These accounts were updated the same day with inconsistent balances and dates : Account # XXXX : Balance of {$4400.00} with a balance date of XX/XX/XXXX. 
Account # XXXX : Balance of {$4900.00} with a balance date of XX/XX/XXXX. 
Both accounts are reported as " over the credit limit '' despite being previously transferred to collections. 

I have filed multiple disputes directly with Experian, requesting documentation from XXXX  XXXX XXXX to verify these balances and a detailed explanation of their verification process. Experian has failed to provide this information, violating FCRA 611 ( a ) ( 1 ) and 611 ( a ) ( 2 ). 

Additionally, Experian appears to rely on automated systems, such as e-OSCAR, without conducting a proper manual review, perpetuating inaccuracies. I have also filed formal complaints with the FTC regarding Experians negligence. 

This ongoing reporting has caused harm to my credit profile and restricted my ability to access credit on favorable terms. I am requesting that Experian delete these accounts immediately if they can not verify the information.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions 15k have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

CFPB, After logging on, and looking at my Credit Report I was shocked to see these Unauthorized Inquiries. Please see below Unauthorized Inquiries, from the Merchants XXXX XXXX XXXX - XXXX, XXXX, XXXX XXXXXXXX XXXX  - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus on XX/XX/XXXX, to update this suspicious information. I think you have not validated these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT #, and I'm including it again. 
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: Checking or savings account

Wells Fargo overdraft fees were excessive and abused common practice stating a one day grace period. Balance inquiries went to far when checks where pending longer than the reasonable amount off time statements failed to represent wire transfer to creditors causing accounts to go into collections, statements showed overdraft fees were applied to items returned unpaid when they where charged or I would have to rely on statements inconclusive after the fact, account was in exclusively narrated to hide the mistakes making the account hard to understand the balance from month to month over the entire year as I waited months being transfered to corporate to bank.at one point being told in an interview that I should bank somewhere else and that I wouldn't ever get my money back Wells Fargo had an answer for everything wrong when they where in the wrong. I have been brushed off with my creditors XXXX notices to have collections come after me. Wells Fargo is a bully and falls short of the practices I banked with them to begin with. I have enough of the record to prove the duplications overdraft fees inquiries and the account closed stoping direct deposits to other accounts being held up this compliant deserves to be on one of the worst experiences I ever had to in counter about {$4000.00} worth if that even touches the time spent and financial ruin.
Product: Debt collection

XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX {$1000.00} RESURGENT/LVNV FUNDING XX/XX/XXXX {$690.00} I have taken several actions to address and remove a mistake on my credit report. First, I reviewed my credit report and identified an error concerning an incorrect payment history. I gathered all necessary documentation, including payment receipts and account statements, to support my claim. I then contacted the credit bureau, XXXX, and submitted a formal dispute through their online portal on XX/XX/XXXX. Additionally, I contacted the creditor directly to request a correction of the information and ensure they notify the credit bureaus. I followed up with both the credit bureau and the creditor regularly to check on the status of my dispute. On XX/XX/XXXX, I received confirmation from XXXX that the error had been corrected and my credit report updated. I continue to monitor my credit report regularly to ensure its accuracy and prevent future discrepancies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to both XXXX and XXXX ; I have also filed something with CFPB recently. I'd like to add to this : The account 's original Creditor is XXXX and this shows on Equifax as XXXX, and this shows on XXXX  as XXXX XXXX  - they both have the same account no. XXXX. However, the date of this account shows Opened as XX/XX/19 on both Equifax and XXXX  -- but shows as reported to the Credit Bureau of Equifax on XX/XX/19 and XXXX on XX/XX/19. According the Fair Credit Reporting act, it is illegal to report inaccurate data -- I certainly did not open any XXXX acccounts on XX/XX/19 - for I was in the process of moving to Texas and I have XXXX  not XXXX. This is not my account.
Product: Credit reporting or other personal consumer reports

Im reaching out to dispute several incorrect details on my Experian credit report that could seriously harm my credit. My correct legal name is XXXX XXXX XXXX, but Experian lists several incorrect variations, including XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX. The report includes incorrect addresses, such as XXXX XXXXXXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ 0XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX  , and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX The correct address should be XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX My employer should be listed as XXXX XXXX XXXX only, with " self-employed '' removed, and I request the removal of any phone numbers on the report. These mistakes have caused me considerable stress and concern, as they damage my financial reputation and raise worries about identity theft. These errors could negatively affect my credit, and I believe they violate the Fair Credit Reporting Act, which requires that credit reports be accurate. I'm requesting that these issues be corrected immediately to ensure my personal information is accurate and up to date, and that an investigation is conducted to determine if fraud is involved.
Product: Debt collection

Consumer Adjustment Company , XXXX illegally re-aged an old debt that is past the statue of limitations and has failed to provide paperwork to validate the alleged account and/or debt.
Product: Credit card or prepaid card

Re : Capital One Case : XXXX I sent Capital One a letter dated XX/XX/2018 ( Exhibit A ) which reads as follows : I received your letter of explanation dated XX/XX/2018 ( Exhibit B ), for which I thank you. I believe Capital One has made an error on my account, and I would like to get it corrected. I tried calling you, however, without an extension [ for XXXX XXXX XXXX. ] no one was able to locate you. 
Your letter of XX/XX/XXXX states the following : When you reported fraud to us on XX/XX/18, I immediately credited youre account for the charges listed below ( XX/XX/18 XXXX XXXX {$910.00} and XXXX ). On XX/XX/18, the merchant credited your account for the same charges. That means your account was charged fraudulently only once, but credited twice. We need to correct this by canceling out the duplicate credits by reapplying the below charges to your account. 
I acknowledge that credits were applied on XX/XX/XXXX in the above amounts. HOWEVER, MY [ XX/XX/XXXX ] STATEMENT DOES NOT SHOW ANY SECOND CREDIT FROM THE MERCHANT ON XX/XX/XXXX. So, in fact, my account was charged fraudulently once, and credited once. 
Then on my XX/XX/XXXX statement, you charged me again by 2 entries dated XX/XX/XXXX ADJ-XXXX  XXXX - {$67.00} AND {$910.00}. These entries are debits to my account and show that you have debited me twice when I was only credited once. 
The XX/XX/XXXX Statement shows correctly on XX/XX/XXXX, a charge for {$2300.00} and a corresponding credit for the same amount. You have not charged any other amounts in XX/XX/XXXX. That is how the {$67.00} and the {$910.00} should be treated. 
Please credit me back the {$910.00} and the {$67.00}, as you have charged me again for the fraudulent charges. 
I have called and called and only received a letter from XXXX XXXX dated XX/XX/2018. You a holding up my credit in the amount of {$970.00} by not responding to my letter, for six months now.
Product: Student loan

I was unable to make payments on my {$16000.00} private loan through Chase for several months. They are refusing to allow me an affordable payment plan. I am now in a financial position to make meager payments but because my loan is in default, they are demanding full payment or " deal with the consequences ''. They will not inform me of such consequences, refuse to set up a payment plan, and are threatening to go after my consigner. I am petrified of the repercussions I could face as a result of a private loan default.