23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I was notified XX/XX/XXXX about my server loan company Mohela will be notified about the case resolved with sweets vs Cardona This means my student loans will be deleted per my school-involved XXXX XXXX XXXX and that I will no longer have to make payments to the loan server to where my account was transferred from XXXX most recently. Mohela as the new server will remove all debts owed and shown on file to notify all credit bureaus about the news from the case mentioned above to remove such notices and amounts shown on my credit report. Therefore, once the cr bureau is notified my score is to increase as it never did before with the existing student loans on file. I never owed this outrageous amount. Charges in interest by DEPT OF EDU. My father had died as a militant man and I had a parent loan which he paid. Someone changed my student loan to a single loan from a parent loan and I learned that you can not do such a thing to any student. Besides that, the school XXXX convinced me and other students ( while other schools are involved ) that I/we will make over a certain amount like XXXX working in our graduate field. Bigotry was also a part of the school 's lack of integrity and advertising to gain loyalty. Upon my father 's death, he made sure my loans were paid in advance. The school then charged erroneous payments for out-of-state fees and dorm fees, which I was in a state with a driver 's license and address in Georgia where I lived in and out of the dorm but merely, but I was overcharged at XXXX a year for XXXX yrs when my father had paid the bill before me graduating. Nevertheless, I completed the XXXX Borrowers defense application in XX/XX/XXXX ordered by President Biden. This announcement also affected the sweets vs Cardona case win and resolution on XX/XX/XXXX! I also mailed you a letter from dept of Edu! And called you last 2 weeks ago.
Product: Debt collection

Synchrony Bank Bank calls repeatedly daily 7 days a week. 
I have verbally asked them not to contact me via my phone number, nor any other phone number listed, and to not email me as well. 
Today I also sent an email reply to an email they sent to me and asked again. 

Last 3 days of calls from them are as listed : Saturday XX/XX/XXXX called from XXXX XXXX a.m. 
XXXX a.m. 
XXXX p.m. 
XXXX p.m. 
Sunday XX/XX/XXXXXXXX a.m. 
XXXX p.m. 
XXXX p.m. 
MondayXX/XX/XXXX XXXX a.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX p.m., XXXX pm., XXXX p.m. 
In XX/XX/XXXX, I asked them to stop calling me, and emailing me. I have a baby and a full time employer that get very upset when my phone is being called. My employer has given me a verbal warning, and now I have to leave my phone in the car. Even though the [ hone only vibrates at work, it is still distracting to the other employees.
Product: Payday loan, title loan, or personal loan

I was approved for a credit limit of {$3500.00} and I got electronics from the store ( which I found out was over priced ) for {$3400.00}. The product I was given was an open item. A laptop which had someones log in and i could not use it for 2 weeks until I had to fly back to XXXX to exchange it. Costing me 2 weeks back up of work. Later when I was about to make my first payment, instead of the {$200.00} that was agreed i got a bill for almost {$500.00} a month. I called the store and was told there has been a mistake and I will have to call corporate to sort it out. I did and the lady I spoke with at corporate told me to hold of on payment until a new contract is done and sent for me to e-sign. I never received any thing to resign but found out it was reduced to {$12000.00} which was still way more than what I was approved for. My credit report shows that I have a {$17000.00} balance with Conn Credit Corp. Increasing my DTI. I was only approved for {$3500.00} and I did not take products worth that much. I called again and after getting harassing calls from Conns to make payments every 30 to 40 minutes, they reduced it to {$10000.00} without me signing anything. It has been so frustrating and it keeps getting worse. They signed me up for 4 different unsolicited insurance policies that I did not request for. Unemployment, life, home owners and health insurance. I called again and after being transferred so many times I was told I have to go to the store to pick up the new contract which I did not sign for and the bill is still almost {$500.00} per month and I also will have to cancel the unsolicited insurance at the store. <P/>I ran a check at different stores for the prices for the same items I purchased and the original prices they sell them for and made a settlement offer to Conns so I could leave this behind. They declined the offered and have still not resolved the issues till not but but my voicemail gets full everyday because I get a call at least 2 times in one hour. <P/>I am willing to pay in full the real value of these items which is a total of about {$1400.00} and have Conns remove the credit reports on my credit as well as cancel the unsolicited insurance to resolve this issue. <P/>Thank you for your help.
Product: Checking or savings account

Prevalent DAILY Institutional XXXX has reared it's UGLY head once, again on it XXXX XXXX platform!!! XX/XX/19 {$2300.00} in the form a CASHIERS CHECK ( attached ) from the XXXX XXXX XXXX XXXX  XXXX XXXX that I purchased XX/XX/19 was deposited into my checking account. Was sent a insufficient fund notice on XX/XX/19 from B of A stating my account has insufficient funds, and that NONE of my transactions which ALL are/were mortgage payments were declined, and that I also have incurred NSF charges! 

No where on the attached deposit receipt does it state that my deposited funds were going to be held up until XX/XX/19, as stated on my account statement. In fact the deposit receipt cleary is stating that credit pending posts on XX/XX/19! 

Again, this is B of A laying down the XXXX  XXXX institutional XXXX that they, and the predatory lending institutions in this country are founded on ...
Product: Mortgage

8 years overpaying escrow first Ocwen then PHH know XXXX XXXX.Making payments {$720.00} month escrow. Taxes {$3000.00} Insurance {$3500.00} a year total {$6600.00} actual .I been paying $ XXXX.Overpaying {$2100.00} a year for total {$17000.00} not including compound interest.
Product: Credit card

My husband and I went to Macy 's to buy bedding on XX/XX/2016 : a duvet, duvet lining and matching pillows. At the time of purchase the sales clerk suggested we apply for a Macy 's credit card to receive an additional 5 % off. We applied right then and there at the sales counter. We were denied, so we paid for the bedding with our personal credit card. PROBLEM- we received a Macy 's credit card in the mail account number - XXXX with a statement showing a charge for the bedding. Incidentally, we never signed anything for a Macy 's credit card. We called Macy 's - ( have been calling for several months now ) explaining the situation to a 'supervisor '. We mailed copies of our credit card statement verifying that this was paid for with our own credit card. Every time we call, we get the same line : " We understand, we will take care of this ''. Up to this month there has not been a minimum due because we were 'in dispute '. This last statement, not only was the charge not taken off of the Macy 's card, a minimum payment is due. My husband is very worried about our credit so he went ahead and paid the Macy 's charge of {$550.00}. on XX/XX/2016. So we have paid doubled for this bedding. They wore us down and they won. Can you help us get our money back from Macy 's?
Product: Credit reporting or other personal consumer reports

: Request for Credit Information Correction - Compliance with 15 U.S. Code 1666b and Other FCRA Provisions I am writing to you as the holder of account number XXXX for my credit card, to report an issue negatively impacting my credit report. This issue appears to be in violation of the provisions of 15 U.S. Code 1666b and other relevant sections of the Fair Credit Reporting Act ( FCRA ). 
According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. 
This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments. 
Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files.
Product: Mortgage

I have an FHA XXXX loan with XXXX  which is being serviced through Guaranteed Rate. 

Due to either negligence ( or outright fraud ) by the HUD consultant assigned to my project by Guaranteed Rate, the bank approved and allowed release of approximately {$63000.00} of my project escrow funds to the contractor which he then took and did not use on my project. The funds were released for project funding categories that the HUD consultant said work was completed, or that materials were ordered, where this was not the case. The HUD consultant also signed off on work where the contractor has caused damage to the structure of the house that now needs repair and for work that was done incorrectly and has to be redone and repaired. This has left my escrow account with inadequate funding to complete the needed renovations and repairs for my project. 

Thus far, Guaranteed Rate has told me I was just have to try and complete my renovation with the remaining project funds which is unacceptable. My house is just sitting now in danger of vandalism ( you name it XXXX and my project has lingered now for over a year ( closed on XX/XX/XXXX ). Ive been paying the mortgage now for over a year for a house I cant live in which is emotionally and financially draining. 

I filed a complaint with HUD earlier this year in XXXX and they have completed their review and came to the conclusion that the bank is fully responsible for both the mishandling of the escrow funds as well as the HUD consultant. I got a response from HUD on XX/XX/XXXX that stated they were sending a directive to XXXX telling them they are responsible for the mishandling of the escrow funds ( and the consultant ) and that they need to determine to next steps and to comply immediately. Ive not heard anything or been offered any assistance and resolution as of today from the bank or Guaranteed Rate regarding this directive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : ***** XXXX Contact : ( XXXX ) XXXX XXXX Disputing Inaccuracies on My Credit Report TransUnion XXXX XXXX XXXX XXXX XXXX IL XXXX or XXXX XXXX XXXX XXXX XXXX PA XXXX Original Creditor : XXXX  XXXX Account Number : XXXX Address : XXXX XXXX XXXX FL XXXX, XXXX XXXX CA XXXX Phone Number : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from XXXX XXXXXXXX Account Number : XXXX. This Collection account is reporting not only as Open on all accounts but also shows a past due balance of [ {$260.00} ]. 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. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. I am requesting that your company provide me with debt validation be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). Please provide a breakdown of fees, including any collection costs. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA. 


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

Someone else is using my XXXX XXXX XXXX XXXX XXXX to their purposes on the PayPal platform. 
I received a collection letter and a XXXX stating about business that has been done using my XXXX, this is something that I never did!!! 

PayPay allows someone else to use my company information to their needs without my k knowledge until today and this causing me a lot of frustration and time consuming. 

Please see attached doc with the collection letter and the XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have had 4 unauthorized hard inquiries on my XXXX  Credit report in the last 9 months, from synb/paypal. The dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I contacted pay pal and synchrony bank, after the first two, and they said they would remove them. They did not. Then they went on and inquired two more times. This is unauthorized. I have not requested any credit from this company in the last 3 yrs. Please do something about this.
Product: Debt collection

Procollect , Inc keeps calling my home harassing me about some debt that is not even on my name, they are trying to collect from someone that I have never heard on my life and the only way according to one of their reps, Mrs. XXXX is by giving them my personal information.
Product: Credit card

In XXXX XXXX I received a credit on my account. The company immediately paid off my card, without my knowledge or any communication. I have called 6 times, many more hours spent than that. A check was cut and mailed to me for {$2900.00} on XX/XX/XXXX. I have never received this check. They insisted they would cancel that check and send me a replacement. Never came, I was told they " called it back '' after preparing the check to pay off new charges that are not due until XX/XX/XXXX. I have demanded they give me the full XXXX as promised. They say they will only give me XXXX. My payment is not due yet, they keep stealing my money and refuse to give me my qualified refund. The original amount of the refund was XXXX but they kept taking away from that. Don't I have the right to pay my bill when it's due? Why do they keep taking my much needed money. Why can I not carry a balance on this account. Why can't I receive MY money. They are keeping it just to earn themselves more money in interest. I have had this card for 1 year and every month there is a problem. By the time I finally get out of the enormous amounts of questions, I am angry already. I want my money!!!
Product: Debt collection

I had fallen behind in payments. To help me out XXXX XXXX sent me an Exclusive Offer where it agreed in exchange for a {$10.00} payment to readjust my payments to {$57.00}. Since then, the company has contacted me to collect at least {$150.00} over that amount, In XX/XX/XXXX, I spoke with a representative who tried to collect nearly {$250.00}. I asked why the amount was so high and the representative let me know that it was trying to collect {$150.00} plus additional fees ). I asked about the Exclusive Offer and the representative let me know that the  company received it. for a Supervisor to call me back to make sure that my payments were adjusted and to explain to me why fees were added on after our agreement? To this day, I have not received a call back from a Supervisor. 

Yesterday, I received an email from XXXX XXXX about some other offer to reduce the total amount owed. Today, I spoke with an XXXX XXXX representative named XXXX who told me that I had to pay well over the amount of {$57.00} and that my account is in collections. I let XXXX know that we had an agreement that XXXX XXXX never followed through with and it illegally has sent my account to collections. I let XXXX know that I would be contacting the CFPB to file a complaint. 

This company, in XX/XX/XXXX, received my payment to readjust my payments and it never followed the agreement it led me to believe we had.
Product: Checking or savings account

XXXX sent notice that my account will be closed on XX/XX/XXXX. The email states that account closures can take up to XXXX business days. Account has cash value of approximately {$34000.00} and XXXX states funds will be returned back to originating bank account. This complaint is being filed on XX/XX/XXXX which is business day XXXX from notice of account closure. 
Follow-up with customer service states on XX/XX/XXXX " At this time, XXXX is working directly with your bank to return deposited funds to their originating source ''. There have been no updates on status of funds nor confirmation of funds withdrawal to bank since then. Any additional followups with XXXX, they tell me to refer to that XX/XX/XXXX support ticket. XXXX has closed account and is locking funds balance with no clear status updates on fund withdrawal other than essentially saying " we are working on it ''.
Product: Mortgage

XX/XX/XXXX & XX/XX/XXXX First notices from the local school district tax office and county tax office that our XXXX real estate/school taxes were not paid. This was news to us since we put money into an escrow account to pay them and then send them the bill in the summer. We did not have any issues from XXXX but our mortgage loan servicer has changed numerous times. 

XX/XX/XXXX First contacted the school district tax office to inquire about our notices. First contacted the mortgage company to inquire about the tax notice from the school district. Company began " investigation '' into locating a check sent from our escrow account for the incorrect amount of {$1700.00} to an outdated tax address. Company told us they needed to wait to cut a new check until the old one was found. We gave the company the new tax address and new total amount due as of as of XX/XX/XXXX for {$2200.00}. 

XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Now-delinquent XXXX real estate tax bill for {$3500.00} ( interest and fees accrued ) gets transferred to XXXX County Tax Claim Bureau who sends us a bill. We call the company and attempt to send them the bill via secure online email form. 

XX/XX/XXXX Notice of Return and Claim sent to us for {$3600.00} in unpaid XXXX real estate taxes. Company has us overnight mail copies of all tax correspondence to their office. Letter included listing all actions taken up to this point with correct tax address and recent bill amount. Phone call reveals that our escrow funds are being used to pay a bill with an incorrect Parcel Number. 

XX/XX/XXXX We received an email that we had an escrow dispersal for the same incorrect amount of {$1700.00} that was made last year. 

XX/XX/XXXX Tax sale canceled per court order but bill now {$3700.00} and still unpaid. Call to the company requires us to get on the phone on the other line to the XXXX County Tax Claim Bureau to figure out the total owed and where to send it. 

XX/XX/XXXX We received a check for over {$740.00} labeled " disbursement clearing '' ( I guess the extra money they were charging us for escrow this year ). 

XX/XX/XXXX I looked up my property on the Tax Claim Bureau website and see that the XXXX taxes are still unpaid despite many phone calls, emails and letters to the company. In the meantime, we received a notice that XXXX taxes are also now unpaid for the amount of {$2200.00}. 

Even during Covid, we did not stop paying our mortgage and therefore putting money in the escrow accounts needed to pay these bills. There is absolutely no reason these bills should not have been paid in full and on time. We have given the company all the information they needed and more to correct their errors and we are still receiving notices that nothing has been fixed. We really do not want to lose our home to a company that can not communicate with their customers or fix their mistakes.
Product: Debt collection

I made a XXXX XXXX XXXX XXXX  online purchase using XXXX. I returned the order and XXXX continues to try and collect for the balance of the order, even after I informed them of the return. Just today, XXXX had a debt collector to contact me requesting payment of the balance.
Product: Checking or savings account

My account started having unauthorized transactions and even someone tried to deposit random large amounts of money on it which caused wells fargo to close my account. Then they changed the password so i cant even access my account. I never got real help either.
Product: Money transfer, virtual currency, or money service

My wife received settlement from XXXX XXXX company in the amount of {$9000.00} She opted to have the funds sent through PayPal for the so called quick and convenient service. She received the money uploaded her debit card information, she tried to cash out the money but was only allowed to send {$500.00}. So she called PayPal numerous times and got messages stating due to high call volume no-one maybe be able to answer the call and then the call drops. She finally got a representative explained her issue and the representative restored her account. My wife then sent {$5000.00} to my PayPal account then she sent {$3500.00}. I received the money and tried to cash it down to my XXXX XXXX account and when I did that I immediately received an email from PayPal stating that my account was shut down and closed and that I could look at my account but was unable to claim my money or perform any transactions and that they would be holding my money for 180 days/6 months. This is unacceptable, we are in a pandemic and my family needs all of the money that we can get to survive. I currently have an eviction and my family will be forced out of our home. I as well as XXXXXXXX XXXX opted to use this service as a way to get the money to us quickly to help us resolve our financial woes, but now we are face wit PayPal stealing our money.