23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My info is as below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Mortgage Company : mr. Cooper CUSTOMER SERVICE : XXXX Loan Number : XXXX While I pay taxes and insurance on my property and there is no escrow account, I went back to XX/XX/year> and there is- {$270.00} posted as Escrow Balance on my statement. Starting from the XXXX statement there is {$22.00} extra that shows under " Escrow Taxes & Insurance '' under the pie chart which increases my regular monthly payment from {$1300.00} to {$1300.00}. I should mention, that I have this on auto-pay with a monthly payment of {$1400.00}. So it does not affect how much I'm paying, but it affects the amount going against the principal. 

Since I don't have any escrow setup as per loan initiation, I'm wondering what is this extra amount and what is the negative Escrow balance. 

This amount has to be applied back to the principal and proper adjustments on interest calculation have to be made.
Product: Debt collection

In reference to dispute number XXXX This company has stated that it has verified the debt that they claim I owe. I am requesting the CFPB to hold this company liable of identity theft if they are not able to produce the following. 

1. A sworn statement by me giving permission for this company to report this alleged debt.

2. A copy of my wet signature showing that I agree.

3. Any letter showing that I have given this company permissible purpose to report this.

If this company can't produce this then they have stolen my identity to create a false debt without consent.
Product: Payday loan, title loan, or personal loan

On XX/XX/19 I walked into allied cash Advance to resolve a charge to my account that I felt wasnt valid. I paid my account off the month prior and thought that was it. I asked the girl to cancel the account, she stated I would have to come in and sign some paperwork to close the account, a couple days passed and I started getting phone calls from them saying I had a payment due, I informed the girl on the phone that I already paid my account in full and she said ok just come in and sign these papers to close the account a few days later I get a call from Collectios saying I owe them XXXX $ from allied cash Advance, keep in mind Ive been stuck in a loop of paying off and getting back for over a year so I definitely have given this company there money back ten times over now they want me to pay a fee and my account was paid in full because they cant close the account unless Im physically there, its a SCAM knowing most people wont  come back to close the account not knowing there going to be charged, I cant believe someone approved of this, its predatory lending at its best, I can understand someone who didnt pay there account but I got chargerd XXXX $ for having a XXXX balance, this is crazy! The company should be shut down, and they charged the XXXX $ without my approval, how much more illegal can they get, shut them down for good
Product: Checking or savings account

On XX/XX/XXXX I authorized a XXXX payment of {$800.00} to XXXX XXXX for purchase of a puppy on her website XXXX XXXX XXXX She received the funds and has never delivered the puppy. I did some investigating and the puppy I was trying to purchase is XXXX  famous. I contacted WellsFargo and they refuse to refund my money. Please help.
Product: Credit reporting or other personal consumer reports

I am writing to request the blocking and deletion of fraudulent accounts and unauthorized inquiries listed on my credit report. I am a victim of identity theft, and these accounts were established without my authorization. Under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am exercising my right to request that these items be permanently removed.

Fraudulent Accounts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I filed a complain previously about this : I purchased a home in XX/XX/2018 through the XXXX  home buying program. I went through all the appointments and classes to make sure that I was ready to purchase a home and that I knew my affordable mortgage amount due. I closed on XX/XX/2018. I was told my mortgage amount would be {$1100.00}. A year alter, I was told by my Mortgage company that my new payment amount would be {$1300.00}. When I closed on the home, the title company told me that I was issued a credit because the sellers paid the property taxes for the home up until the day of closing. A year later, come to find out, they did NOT. Bank of America paid the difference and assessed it onto my mortgage. 

They followed up with a BOGUS call back number. I have called the number 15 times, left numerous voicemails, and can't get a call back. 
They are croooks!
Product: Checking or savings account

On XX/XX/2023 at XXXX I was able to log into my chime account to pay my car insurance. By XXXX on XX/XX/2023 my account was locked/suspended. I have talked to atleast 6 customer service reps between XXXX who keep having automated emails sent to me. They are asking for me to send bank statements for a card that I do not own. They say it was linked to my account and made a deposit, however, I have never added any card to my account and I never received any deposit in my account, other than my paycheck from my job. I went through my emails today, XX/XX/2023 and see that on XX/XX/2023 it says my address was changed. I did not change my address. I told them I think someone is accessing or scamming my account and they still will not help me. They will not send me my money and refuse to help me.
Product: Mortgage

Wells Fargo sent my loan to an attorney for Foreclosure without properly assisting me with payment options. I have been trying to get help through the XXXX XXXX XXXX XXXX. I applied in XXXX, and have not heard from them yet. I was able to make a mortgage payment in XXXX. Every time I talk to Wells Fargo, everything falls on deaf ears.
Product: Mortgage

I paid my mortgage for the month of XXXX. There were issues with paying over the phone. I mailed in my money order XX/XX/XXXX. I still haven't received the money order back. I have never ever been late on any of my mortgages or credit cards. I was excited about Ditech. However, I see I'm overpaying. I have XXXX children at home and a XXXX in the hospital XXXX XXXX XXXX XXXX. This company hasn't even tried to help us lower our mortgage payment. Now they reported we are 30 days late. I strongly believe they reported this late payment to prevent us from refinancing with a new company. My mother and I have never ever missed one payment with any company. My mother had a credit score of XXXX and now it's XXXX. This is such a horrible experience. Even though my money order hasn't been returned. We still paid XXXX mortgage for the second time XX/XX/XXXX. We scheduled another payment for XXXX in hope the money order would return in time. This negative credit report in inaccurate. Also, the company sent us foreclosure documents already instead of asking us what happened. This is very traumatic. Why would we receive foreclosure assistance? Lastly, my kids told me someone from Ditech left a note on the door to call them. This is very invasive. I am very nervous about the mortgage company coming to my home.
Product: Debt collection

In XX/XX/XXXX XXXX XXXX XXXX XXXX was hacked in which thousands of DoD employees information was stolen, I am one of those victims. I and my wife were both formally notified by the XXXX of the incident and given identity protection for two years. Beginning in XXXX through now my wife and I have both been the victim of several credit theft with several attempts at withdrawing money from our savings account and attempting to open new credit cards through our bank, XXXX. Around XXXX XXXX I received a bill from Barclay Bank Delaware claiming I open an account and now I owe them {$690.00}. I called their customer service several times and all they could tell me is I owe them money for an unknown purchase. I never requested a XXXX credit card ; I never received a XXXX credit card or monthly bill. 

XXXX is now harassing me with constant demand letters from debt collectors such as XXXX XXXX services, XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. I have responded to each demand letter and all that Barclays does is utilize a different collection agency. 

I'm also receiving debt demand letters for an induvial who I don't know and does not live at my address.
Product: Credit card or prepaid card

APPLICATION ID : XXXX On XX/XX/2022 I initiated a consumer credit transaction with my SSN also referenced by congress as a credit card, pursuant 15 USC 1602 ( l ) The term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit. '' The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open ended credit. As a consumer, natural person, and original creditor I have an open-ended credit plan, it is unlawful to deny me of my own credit. I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non-compliance pursuant 15 USC 1681o , 15 USC 1640, 15 USC 1691e . 
Further more, pursuant 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination. 
Pursuant 12 USC 1431 Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original creditor anything. 

I have attached links to congressional law for reference. 
https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX https : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX
Product: Credit card

I am writing to file a formal complaint concerning deceptive marketing practices that I believe may have violated Section 5 of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) by Best Buy, a prominent consumer electronics retailer. 

On XX/XX/2020, I visited a local Best Buy store located at XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, CA XXXX. During this visit, I made a substantial purchase exceeding {$1000.00} and opted for a financing option offered by Best Buy through their credit card program. The offer presented to me was a 0 % Annual Percentage Rate ( APR ) financing plan over a 24-month period. I was told that the {$1000.00} would be evenly divided into monthly payments over the course of 24 months.

Regrettably, I later discovered that the payments were not arranged as initially described. Instead of the expected 24-month installment plan, the payments were set to " MINIMUM DUE, '' which caused the 0 % APR to expire, leading to a significant accumulation of interest charges over nearly two and a half years. 

This discrepancy arose from what I believe was inadequate clarification and transparency in the marketing of Best Buy 's credit card offer. Unlike previous experiences with other retailers, I was not given clear and accurate information regarding the terms and conditions of the financing arrangement. 

I have attempted to address this matter through Best Buy 's customer service, particularly their credit card department. Unfortunately, my efforts have been stymied. I received a whole bunch of gibberish from their executive team. 

I hereby request the following actions be taken : An investigation into Best Buy 's marketing practices related to their credit card offers, particularly the clarity of terms and conditions provided to customers. 

A remedy for my specific situation, which entails a full refund of all fees and interest charges incurred on my Best Buy credit card account in relation to this purchase. 

I trust that the Federal Trade Commission will treat this complaint with the seriousness it deserves and take appropriate actions to ensure that consumers are not misled by deceptive marketing practices. I anticipate your response within a reasonable timeframe. 

Thank you for your immediate attention to this matter.
Product: Credit card

On XX/XX/XXXX, I mistakenly made an over payment of {$6500.00} to Kohls CapitalOne Credit Card. My bill was for {$66.00} and I sent them {$6600.00}. 

After speaking several times with XXXX  XXXX XXXX, including XX/XX/XXXX when I realized the mistake, I was told since there wasn't enough cash in the account not to worry about. XXXX would deny it and not pay. Also, told that this would not happen more than twice. Well it happened 3 times and XXXX sent it out even though cash not there in account. The bank took it from daughter 's household account that I happened to be linked with. So I obviously had to repay her that money. 

I have spoken with Kohls CapitalOne Credit Card Co. 7 times since XX/XX/XXXX. Twice told not to worry they would try more than 2 times and if cash wasn't there, I had nothing to worry about. 

Since late XXXX, I have spoken to XXXX people who have told me that check is on the way and should arrive in XXXX business days. First time they said it didn't go out as they had stated because it went to their Fraud Department and opened a case. I wasn't contacted by anyone. 

When I called to say " where is the check '', I was told Fraud Department opened case but it had been cleared and I would see check in 7-10 business days. After not getting it, I called yet again and was told again it was going out and would be here in 10-15 business days. It did not arrive after 20 days. 

Now I just got off the phone again and have been told another 10-15 business days which means probably in XXXX. Maybe!!! I doubt it. 

There is no satisfaction when I call. I can't get past a XXXX XXXX XXXX XXXX. No managers available, no names or contacts of anyone above them. 
Don't have ability to overnight a check. Yet I can receive XXXX statements from their company in this time frame with no problems. These statements show that adjustment was made on XX/XX/XXXX but I still don't have a resolution to getting a check in timely manner. 

I would appreciate any help or guidance you can give me on this. I don't know where to go or who to turn too. This money is all we have. Only {$400.00} left in our bank account. How do I pay bills and buy food??? 

Please let me know what to do. 
Thank you.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX XXXX XXXXXXXX ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, an auto loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a personal loan account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$1000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

On XX/XX/2023 I used my XXXXXXXX XXXX XXXX card to pay off my Bank of America Travel Rewards card. XXXX sent it to the wrong account number. I have contacted both banks at least 9 times. They are both aware of the error but will not correct it. I am being charged for the same amount by both banks. XXXX claims they have notified Bank of America about the mistake. Bank of America says XXXX has not contacted them. I gave Bank of America the wrong account number that it was sent to but they say they cant look it up. It is 2 digits off in the third set of numbers from my account number. I cant keep making payments to both cards for the same amount. Please help me. Im retired and on a fixed income. Thank you for your time.
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to the COVID-19 I have reached out to Nelnet student loan service to ask whats options I had in a assistance with financial stress. I was given the option to place my loan in forbearance for 90 days, which I opted to do. The company did not let me know that they would be placing a note on each credit reporting agency under their debt the consumer has been affected by a natural disaster in which has dropped my score by about 20 points on each. I asked to have this removed to no avail due to the negative effect is has had on my credit score.
Product: Credit card or prepaid card

some one stole my identity and opened a credit card in my name at floor and decor retailer. Once i found out about this issue, i filed a police report and notied the retailer, who opened a investigation. The investigation came back that i was not responsible for the charges and i was sent a letter stating as such. 
The retailer 's parent company keeps contacting me in regrds to the account, sometimes even twice a day. I have spoken with your representatives and informed them that this was a fraudulent account, and that I was told I am not responsible for the fraudulent account, as a result of the investigation comneity performed. I went on to explain that I was sent a letter from comenity verifying this. The rep named XXXX, at phone extension XXXX, option XXXX, proceeded to call me twice in one day. XXXX was very rude and confrontational, and accused me of committing theft and committing fraud. XXXX stated there is not any record of any letter on file and proceeded to inform me that she was going to report this to the credit bureaus if I dont make a payment today. 

Comenity bank even contacted me by phone, on Sunday XX/XX/XXXX at XXXX XXXX. This is a form of harassment, because I have told your reps over the phone on the recorded line, that community bank does not have any approval to contact me by phone at any of my listed phone numbers, or by email.
Product: Checking or savings account

Hello my name is XXXX XXXX I am a member of chime who locked my account for almost four weeks now without a word to me Ive called got nothing they never call me text me email me nothing and I have a lot of money in my account
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loans were consolidated in XXXX to XXXX XXXX XXXX XXXX. They have reported 3 months of late payments that were not late payments. I am attaching the forbearance letter. Also, the amount of the loan is incorrect. I joined the XXXX XXXX XXXX on XX/XX/XXXX. I was XXXX XXXX from that date until XX/XX/XXXX attending boot camp my trade school. I switched to the XXXX XXXX on XX/XX/XXXX. XXXX XXXX and XXXX did not make sure my loans were all below 6 % as per the Servicemen 's Civil Relief Act. therefore, my consolidated loans need to be re-calculated correctly. I told XXXX XXXX and they sent me a letter stating that I did not meet the requirements because of the dates of the loan. that is incorrect due to the fact that I received the loans before my XXXX XXXX military service. My student loans started XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and two loans on XX/XX/XXXX, The loans were on forbearance. I have been disputing with Transunion, XXXX, and XXXX  since XX/XX/XXXX, and they all have come back and said that information has been verified each time I dispute it.
Product: Checking or savings account

In XXXX 2017, Capital One unilaterally placed a hold on my checking account due to a suspected security issue. They did not contact me to tell me that they had done this or to resolve the potential security problem. During the time that my account was suspended, I continued to write checks from it because I had no way of knowing that anything was wrong. As a result, 5 checks that I wrote during this period bounced and I incurred a total of {$170.00} of returned-check fees. When I received notice of returned check fees, I called Capital One to find out what was going on, and that was when I was informed for the first time about the account suspension. We resolved the security issue ( it turns out there was n't one ) and they reinstated my account. But Capital One refuses to reimburse me the {$170.00} even though I only incurred these fees because of their actions and their failure to communicate those actions to me. There were more than enough funds in my account to liquidate these checks if Capital One had not frozen my account, and I would not have written checks on the account if Capital One had told me there was an issue with the account.
Product: Credit reporting or other personal consumer reports

I WANT ALL INFORMATION AND ACCOUNT REMOVED ASAP AND $ XXXX in lost wages!! I AM NO LONGER RESPONSIBLE FOR THIS ACCOUNT, I HAVE BEEN UNEMPLOYED FOR ALMOST XXXX YEARS, NO CAR, NO HOME  OR RESOURCES AND UPLIFT HAS CAUSED ME HOMELESSNESS, NO CAR, NO RESOURCES AND NO EMPLOYMENT, ETC. THEY HAVE BEEN WARNED!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX 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: Debt collection

I switched XXXX to another company and contacted XXXX to cancel my service. They were supposed to send me a return label to send the modem back to them, and never sent the return label. I never heard anything else after that from them and then got turned into collections without a chance to send the modem back or a chance to make things right. After this got turned into collections, the notice I got for it, did not include what company the collection was for, and turned into a lot of digging to even find out. I could have paid it XXXX sent it back, but was not even given an opportunity. Now it is in collections and I have only received XXXX letter about it.