23daVinci/CFPB_Complaints huggingface dataset:
Product: Prepaid card

First. let me state that I never wanted this prepaid card. I apparently had a credit at my doctor 's office and that doctor 's practice ( XXXX ) apparently had a deal with BofA to provide refunds by issuing a prepaid card. The card came out of the XXXX unactivated for a long time because I really had no idea what it was. Even the emailed statements ( they must have gotten my email through the doctor 's office ) looked like spam ( labeled " Consumer Refunds and Pmts '' with no mention of either the bank or the doctors - that 's not a link I would click on as it looked like phishing ). 

I did finally figure out it was linked to the doctor and activated the card to pay a co-pay, but there have been issues using the card, so I called to try to cancel it and get the balance back. On the first call, the agent put me on hold for a while, the told me she was transferring me to management. Instead I was disconnected. I called back and the agent was somewhat more helpful ; she also put me on hold for a while, but did come back and appeared to be about to process the closure. She informed me that there would be a {$5.00} fee to send me a check and implied that was the only alternative, even though I asked for others. I protested that I should not have to pay to receive my money on an account I never asked for. She again put me on hold, then came back and confirmed that there would be a {$5.00} fee. I asked to speak to a supervisor and was put on hold for quite a while, with the agent checking in periodically. She finally came back and said all the supervisors were busy and rather than keep my holding, they could call me back. I asked for a call back within an hour. That hour passed, so I called back. I did notice that my balance had been diminished by {$2.00} from my original call. This third agent was at least somewhat helpful in that he told me that there as a {$1.00} fee per call ( the 2nd agent did not tell me this when I told her I would be calling back if I had not heard from them in an hour ) .He also told me that I could close my account without a fee by going to a BofA location. There is not one near me. I again asked to speak to a supervisor to now ask for the {$3.00} call fees to be credited in addition to the {$5.00} check fee. The supervisor, XXXX XXXX, informed me that he had already closed my account with no credits for the fees, claiming that that was what the agent made clear I wanted and that I had agreed to the fees. He said that it could not be undone at this point. I had never agreed to the fees and that was precisely why I asked to speak to a supervisor! He said that he would submit my request to the Debit Card management, and it would be up to them if any of my requests were honored, but because the account was now closed it was out of his hands. 
This is a scam. I should not be paying to get my money on a card that I never wanted. The way the agents handled this guaranteed that they would maximize their fees. This is exactly the type of deceitful and evasive behavior that gives banks a bad name.
Product: Mortgage

I applied for a forbearance under the CARES Act. It was granted. I informed Wells Fargo that our next hearing for family court XXXX and the parties plan to reach a settlement XX/XX/2023. 

I cant even qualify for a loan now because my primary residence is in foreclosure. I have a 5 and 6 year old and work full time. I was willing to resume payments. I did for a period of time but was persuaded to go back on the forbearance at the end of my dissolution process because of increased attorney fees. Now despite me willing to pay they have foreclosed on my home and demanded the entire lump sum payment. I will be automatically excluded for 2 years from any lender due to Wells Fargo initiating the foreclosure process in XX/XX/2023. I was told yesterday that there is nothing they can do for me unless my spouse signs the forbearance to place the payments on the back of the loan which he refuses to do. My former spouse inflicted XXXX XXXX which could have permanently impaired my ability to make an income. I paid for the down payment and all closing costs. Used my SP to buy the home. I solely paid the mortgage for 5 out 6 year marriage. Meanwhile he is working part time and pulling from our retirement without my knowledge resulting in a {$350000.00} loss to our forecasted retirement. I submitted my application but my spouse called and cancelled it over the phone and XXXX removed me from their program. This system in California is broken. I was on FMLA and I have carpal tunnel and other mental health issues due to being locked down with my abuser. Following separation he immediately removed internet which took several months to obtain during COVID. Im approved for compensation for victims as I did everything under the legal system but XXXX XXXX had ZERO consequences for XXXX  XXXX perpetrators. Law enforcement in XXXX XXXX are at a complete loss. I am too. There is no justice for a victim of XXXX XXXX in this county.
Product: Mortgage

I purchased a home and went to closing on XXXX XXXX, 2016 with Home Point Financial Corporation based out of XXXX, NJ. Communications, processes and overall professionalism have suffered from that point on. My insurance payment, that was collected at closing, was sent to an unknown address, with no policy number associated with it. In turn, my insurance payment was never processed and my home insurance policy was cancelled. Home Point determined it was my responsibility to track down the missing insurance check and have it applied to the correct account. After speaking with several insurance agents and several weeks later, I was able to resolve the issue ; Home Point offered no assistance in this process. I have recently received a correspondence that states : I now owe upwards of {$3500.00} for escrow shortage or padding of the escrow account ( they ca n't explain which XXXX ) ; this would increase my monthly payment by over $ XXXX month. These are not the terms agreed upon, nor is this an industry standard. It appears that this office has yet again not done it 's due diligence in correctly acquiring tax information or providing the buyer with the correct financial terms. Had I been given an accurate financial picture I could have made an informed decision based on the presented terms or gone with a different mortgage provider. I was not given the correct terms, the office personnel, which failed on my behalf are now attempting to leave me holding their mistake. I have only been in the home for 6 months, I have made every payment on time. I can not afford the terms they are trying to lock me into at this point. I understand escrows fluctuate, but what they are doing is unacceptable. They are not providing me substantial evidence on this wild variance in escrow figures/difference. I have not been treated fairly or with respect. I am not sure how many other customers have been treated this poorly and mislead on the terms of their mortgage. It would appear these practices are out right illegal, hence my complaint.
Product: Debt collection

I had found a complaint online, so I called the third-party debt collector on XX/XX/XXXX. I informed him that I never received any information from this agency. Around XX/XX/XXXX I received a notice, saying the third-party debt collector did due diligence on my address, wants to transfer Courts. I have lived at the same address since XXXX and never received any notices from the original creditor or any third-party creditor prior XXXX. A Court Judgement was had without my knowledge of proceeding on XX/XX/XXXX. They are also saying I moved in the past few months to keep a claim. I never received a validation of debt that I asked for, or proof of claim. I received a notice on XX/XX/XXXX saying they sold the debt without any Due process of my rights, to the Law office of XXXX XXXX XXXX, MI XXXX
Product: Debt collection

Sunrise has failed to send me the requested verification of this debt when asked when they called me 3 months ago! I told them I was unaware of the debt and also never lived at the address they reported where service was connected. My address is XXXX XXXX XXXX ... XXXX was NEVER connected HERE as my apartments XXXX XXXX will verify INTERNET is included from XXXX XXXX. They said service was connected at a XXXX address. Instead of sending me whatever documentation they had or closing this account, they instead reported this debt to my credit.
Product: Checking or savings account

Bank of AmericaXXXX XXXX is in violation of " Larceny '', " Breach of Contract '', Negligence of Services '', Corruption, Malicious Acts of Theft located at XXXX XXXX XXXX XXXX XXXX XXXX robbed my account for {$1300.00} after my business debit card got stuck in the A.T.M for 2-3 days at location dated XX/XX/XXXX. I notified them of the error! They lied, using gas- lighting tactics to deprive me of my property from the Larceny since XX/XX/XXXX. My card was operable until I went to that discriminative branch and they stole {$1300.00} from and was told that it would be credited back to my account, which never did. Under CV-012940-21K and Index no.51/22 I seek the payment of default for {$450000.00} to go direct deposit in my XXXX XXXX account immediately!
Product: Credit card or prepaid card

I reached out to the CEO of Nordstrom in reference to late payments on my credit report. Upon receipt of my email, Mr XXXX forwarded my email and documentation to XXXX XXXX for review. I explained my issue to Ms XXXX in writing on XX/XX/XXXX and XX/XX/XXXX and provided documentation. In XX/XX/XXXX, I lost both of my parents and my sister to XXXX, I was diagnosed with XXXX due to these losses, I was a victim of identity theft and I was on the verge of being evicted from my apartment. I was able to pull myself back up as I wanted the best for my 3 children and with the help of my remaining family and get my life back on track. I obtained a new position in XX/XX/XXXX with XXXX XXXX. With this new position, I was able to re-align my goals and finances. I knew that by the end of XX/XX/XXXX I wanted to become a homeowner and revive my credit history. With the identity theft issue, I had to get new bank accounts and cards. With the new position, I was afforded a new bank account with my new employer. It was an exceptionally busy time and my life as I was regaining MY LIFE and balancing a new career and being a single parent of XXXX children, I had not realized that I had missed my credit card payments as the bank account being used was the one I had closed due to identity theft. I was only notified of this issue by the bank and not by Nordstroms as I made purchases during this time.. This is in NO way how I wanted to regain my financial independence and credit worthiness. Once this was noticed, I immediately made a single monthly payment of {$600.00} to pay bring my account current and keep it current. I pay off my balance every month now. A brief look at my account will reveal I have successfully made on time and in full payments since my unfortunate oversight in XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX.Recently, I have embarked on one of my major life goals, that is to purchase a HOME for myself and my children. However, this incident has come back to haunt me as these late payments are hindering my chances with a mortgage. I have worked extremely hard to get back on my feet, become financially stable and regain my credit worthiness. I am literally crying as I write this as I have come so far and I do not want my past indiscretions to hinder what I am working so hard on.

Both responses from Ms . XXXX stated that the information was reporting correctly and that they are obligated to report account behavior accurately. I was requesting a goodwill late removal and I do not believe they fully investigated my hardship and saw that I have shown goodwill measure over the last 6 months, by paying my entire bill as well as paying my account in full each statement period.Attached you will find the identity theft police report, payment history to show I brought account current immediately, statement showing I carry no balances and last letter from Ms . XXXX.
Product: Credit reporting or other personal consumer reports

Experian updated my dispute and claimed they did so by investigating by a furnisher of the accounts below Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX How can this be a proper investigation? this is infact a major violation of 15 USC 1681a. ACCORDING TO THE FCRA, The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

NO REINVESTIGATON WAS DONE, AND IF EXPERIAN FAILS TO COMPLY AND FIX THE MATTER THEY WILL BE HELD LIABLE UNDER 15 USC WITH A CIVIL LIABILITY FOR NONCOMPLIANCE.
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. 
=========================== UNAUTHORIZED INQURIES : XXXX XXXXXXXX XXXX XXXX XX/XX/2022 =============================== 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been receiving constant telephone calls of harassment, profane and abusive language and threats of XXXX from XXXX XXXX and XXXX XXXX XXXX in regards to 3 accounts that are fraudulent, unauthorized, not my accounts and is the result of identity theft. XXXX XXXX  and XXXX XXXX XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The following accounts are fraudulent : XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$210.00}, XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$1800.00}, XXXX XXXX XXXX XXXX, XX/XX/XXXX, {$320.00}. The following credit inquiries are fraudulent, unauthorized and not my credit inquiries : XXXX XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XXXX   XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX, XXXX XXXX XXXX, XX/XX/XXXX and XXXX  XXXX  XXXX, XX/XX/XXXX.
Product: Debt collection

Experian XXXX XXXX XXXX XXXX, TX XXXX This company is reporting a debt collection " XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Acct # XXXX past due balance {$370.00} XXXX XXXX. 

I have sent multiply certified letters to this company requesting a contract with my signature on it relating to this collection or remove it. They have been unsuccessful in supplying with any original documentation of any sort and still the collection remains on my reports as accurate and verified. I have indicated that I do not know this company, I have never done any business with this company.This company does not have a contract with my signature. XXXX did the reinvestigation and removed the collection. I also sent this notification to the above company, No results.
Product: Debt collection

Kansas Counselors continues to show a medical bill on my credit report that is in collections and last reported XX/XX/2016. They have been notified by the courts that this was included in a chapter XXXX Bankruptcy that was confirmed XX/XX/2016. I have made multiple attempts via email to have them remove this from my credit report as a current collection account. This is making my score XXXX points less than the other credit report. They do not respond via phone or email. I have also given them my attorney 's name XXXX XXXX and phone number XXXX. They continue to ignore my complaints. Please help me to get this resolved.
Product: Credit card or prepaid card

In XXXX two purchases were made on my credit card. They were In store purchases at 2 different  stores in my city where I live. Charges total {$630.00}. I disputed the charges as soon as I got an email with a charge on my credit card. My card had a XXXX balance. The dispute was denied because they said it was done in person and it was normal spending habits. We had to do our own research. Pull the receipts from home depot. On the receipts it shows a different drivers license than mine. I submitted the new information showing it wasnt my drivers license. Home depots policy is not to scan license when no credit card is available just to input a social security number. The thief had a fake ID in my name and my social security. License on the receipts do not match my license clearly showing fraud. Home Depot workers informed us they manually type in the drivers license #. They do not verify it it matches on the application. They choose to overlook that and denied it again. This time they said it was authorized by me because signatures matched. It was not me. They have not called. They were suppose to mail us the credit card application. Not sure how they can hold me responsible when I have proof I Didnt do it. License numbers do not match. Home Depots policy is dangerous for consumers who are victims of identity theft. They need to scan license to make sure they are real. If this was done this would of never of happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 1028 No consent to share my information at all!!

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information 18 U.S. Code 894 - Collection of extensions of credit by extortionate means 15 U.S. Code 1681o - Civil liability for negligent noncompliance 15 U.S. Code 1681n - Civil liability for willful noncompliance 15 U.S. Code 1681b - Permissible purposes of consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the process of reviewing my consumer reports and noticed many inquiries not authorized or do not recognize. 
This includes : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX 15 U.S. Code 1681e - Compliance procedures states : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
Please investigate and provide proof that the consumer reporting agencies were in compliance with this matter. Please delete for the consumer report for violating compliance procedures. 
Thank you in handling this matter.
Product: Credit card

Over time I noticed interest being charged when there should not have been. They have been uncooperative. I would like them to inform me on how to pay the account in XXXX or XXXX payments and limit this interest charge.
Product: Student loan

My loan was serviced by FedLoan Servicing XXXX XX/XX/2022 I requested a refund of my student loan payments made during the pandemic totaling {$10000.00}. 
I was told the request was successful and I would receive the funds in 6-12 weeks. 
On XX/XX/2022 I called to check on the refund because I hadn't received any information or money. 
I was told by FedLoan Servicing that the money was already transferred to me in XXXX. But I haven't actually received any money. No one will tell me where it was sent.
Product: Consumer Loan

The company Called rise. They sent me a pre-approved letter for a personal loan of {$1000.00}. I get these letters all the time. But this time I got one when I really needed the loan and thought I would accept it. Because it would get me caught up on my bills this month. So I went to the web-site created the account. And applied how ever their web site changed my addressed state to Utah. And would n't let me change it. In the end the turned me down because of the Utah state that their website would n't let me change. They ran my credit. Yet again. The back of the letter says " pre-selected means we have reviewed your credit history and have selected you to guarantee an offer not to exceed the amount indicated on your letter. '' My letter they are offering me {$1000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to bring specific inconsistencies in my credit report to your attention, specifically pertaining to billing errors as outlined in 15 U.S. Code 1666 ( b ) under the billing error category : ( 4 ) The creditor 's failure to accurately reflect a payment made by the obligor or a credit issued to the obligor on a statement.

( 5 ) A computation error or similar accounting error made by the creditor on a statement. 
It is my knowledge that the creditor failed to furnish me with a statement 21 days prior, which ought to render any ramifications of late payments regarding the linked accounts. I am in pursuit of concrete evidence from the creditor 's bank records that will support the assertion that I failed to make a payment, resulting in an erroneous designation as late-a sign of an invoicing error-therefore. 
I humbly request that the subsequent entries be promptly updated on my consumer report to reflect their current status as follows : " paid as agreed '' : for account XXXX account number XXXX Date : XX/XX/2023, XXXX account number XXXX Date : XX/XX/2023
Product: Credit card or prepaid card

I am continually getting calls from Discover to get me on a card. They're no good and I hang up on them and I block the number the calls are on but they call again from other numbers. I want the entire Discover Bank and Discover card company blocked from my number
Product: Mortgage

My loan was recently paid off. However the mortgage lender did not refund all the monies in escrow. They held back {$1800.00} with no reasons cited. I was current on my home insurance and property taxes were paid during closing of the loan.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ) that you the Experian credit reporting agency XXXX XXXX credit reporting agency and the XXXX reporting agency block information appearing on my consumer report that is the result of fraud and identity theft within 4 days of you receiving this complaint. This fraudulent, inaccurate and false information consist of XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( {$47000.00} ) XXXX XXXX ( {$45000.00} ) XXXX XXXX  XXXX ( {$10000.00} ) XXXX ( {$17000.00} ) XXXX XXXX XXXXXXXX ( {$11000.00} ) XXXX XXXX XXXXXXXX ( {$17000.00} ) XXXX XXXX  ( {$3100.00} ) XXXX XXXX ( {$7200.00} ) XXXX ( {$10000.00} XXXX XXXX XXXX ( {$5000.00} XXXX XXXX ( {$990.00} ) XXXX XXXX ( {$3600.00} ) XXXX XXXX ( {$330.00} ) These accounts have resulted in several fraudulent collections appearing on my consumer XXXX credit reports maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts collections or hard inquires as reported. The aforementioned accounts collections and hard inquires appearing on my consumer report maintained by you were not opened made or initiated by me all the aforementioned accounts collections and hard inquiries are the result of identity theft and fraud. I have attached a cop of FTC Identity Theft 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