23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Good Evening, I am reaching out to you this evening to file a complaint against Carrington Mortgage XXXX # XXXX. The reason for my complaint is due to clear TRID violations, on top of what I deemed as threats to either close my loan, or not be provided the credits owed to me through my rate lock agreement and good faith cures. I am currently going through a streamline refinance with them since they currently service my loan. The main issue I have is that throughout the process they never disclosed any title fees associated with the loan. They did provide me with a SSPL, but not once did the loan estimates that I received have those fees. Once they disclosed the closing disclosure to me there was over {$1000.00} worth of title fees disclosed. I pushed back asking what valid change they had all of sudden to charge those and without that this was a violation of the regulation. After some back and forth, they agreed it was an issue stating 'system ' problems and worked to provide me an update disclosure. When I received that updated disclosure I noticed that they cure they provided me was not accurate. The cure was almost {$300.00} less than what it should have been per the regulation. I again pushed back stating this was an issue. At one point I was even asked what I thought the cure should be. I was finally provided an updated closing disclosure, but it was followed up with a we need to close 'or else ' scenario. I informed them that less than 24 hours to review the documents was not enough time. The response I received was if we ca n't close this month we can not provide you with the credit for the rate or the lender cure for the fee violation. My rate is locked through XXXX/XXXX/16. To help provide a little background, I am compliance manager at a local mortgage company. I am working to get this resolved, but my concern is how this company is treating other customers. I am lucky enough to know what is right and wrong, but there are others out there that do not. I have copies of all my disclosures as well as email communications with the lender that document these issues. I would be more than happy to provide them if someone were to contact me.
Product: Credit card or prepaid card

I enrolled into Capital One 's payment plan after I had 2 personal losses on the same day on XX/XX/2021. I missed a payment, at no fault to the Bank. I spoke to a representative to inquire if there was anything that they could do to help me get caught up. She waived my late fee, and instructed that I pay {$100.00} now, and {$150.00} by the XX/XX/2021, and to make my regular schedule payment on the account in XXXX. She instructed and it is advertised that if I enrolled in this, that it would not be of any penalty to me. I did everything instructed and I still received a credit reporting of being late 2 payments ( which shows the full balance on my credit reporting ). When I called Capital one, and spoke to 4 reps, I was now informed that I should have paid the {$100.00} and {$150.00} for my account to not be late. The original customer service representative gave me the incorrect amount by {$3.00}, and she misinformed me. After I made the payment in XXXX, I called back they reviewed the acct and waived the late fee, but now, I am at fault. I am understanding that this is my circumstance with my family, and no one should bear the pain. My frustration is the misleading of the payment plan helping the client, when the bank is giving the incorrect amount that need to be paid and no one seems to have documentation of what the rep advised me. A waste of time and a lost of trust to this bank.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX See current reporting statements below on XXXX and TransUnion Reports from XXXX XXXX site. Many inaccuracies reported.. Reports different information to different bureaus. XXXX not available. 

Line of Credit {$8000.00} ... Correct. Incorrect states I owe almost {$18000.00} for excessive interest and fees. How? Account has been closed for years. 

Reports to bureaus 3-4 times XXXX, no report XXXX, or XXXX and now reporting again XXXX. Same company Reports no past due On one bureau shows none due as minimum payment '. The other bureau owes monthly minimum payment {$9900.00}. ( yes, this is not a typo ) Acct open XXXX and Last Payment XXXX ... probably correct. 

-- wife loss job in XXXX ( not her acct ) and I have not worked since XXXX both of us are XXXX, Company has called leaving various voice mails not disclosing they are debt collectior on my wife 's cell voice mail. Last call XXXX left message stating they were XXXX XXXX ( not giving name of their company ) and calling about a claim ( no mention of debt collection on voice mail ). She called back about claim and what was this about. Talked to my wife about my account without my permission. She is not a co-borrower on account. Threaten my wife to seize my XXXX  and wife ; s SS by freezing our bank account so we couldnt pay our bills so they are paid..We dont own home, do not own vehicle. We have no savings, This company Breaks Credit Card State and Federal Laws -EOCA -The Card Act 2009 -Fair Credit Reporting Act Predator Credit Card Lender. Sent revisions to terms and said you automatically agree or pay account off in full.
Product: Credit reporting or other personal consumer reports

Upon checking my credit report, I have found a fraudulent account from XXXX XXXX XXXX opened XX/XX/XXXX with account number XXXX. And Fraudulent 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 XXXXXX/XX/XXXX. Please delete this information from my fraudulent information from my credit report.
Product: Credit reporting or other personal consumer reports

( XXXX ) " was a charge-off '' is incorrect, this account was " settled ' and it was paid in full for delete on XXXX, XXXX, XXXX ( XXXX ) was in delinquent status from XX/XX/XXXX to XX/XX/XXXX after 90 days deliquency started from XXXX, XXXX and XX/XX/XXXX. It was in deliquency payment program from XX/XX/XXXX through XXXX, therefore is NOT current. The record showed " current '' was in " deliquent status payment program '' in XXXX XXXX collection department and should be reported as " delinquent '' or " collection '' status
Product: Debt collection

In XX/XX/2016 my husband and I were closing on a home equity line of credit with our credit union. They mentioned that there was a negative item on our credit report and that it appeared to be a medical billing. I asked for a copy of the credit report ( s ), they were unwilling to provide a copy but did say that the collection agency was Advantage Financial. 

During the closing, the credit union loan officer said she might try to contact the collection people to see what she could find out. I told her that I would get in touch with the collection agency myself. 

I was quite surprised when the credit union later advised that they had contacted the collection agency and had forwarded money out of my Heloc account to pay off XXXX items in collections -- XXXX for my husband and XXXX for me. I immediately contacted the credit union and told them they had no verbal or written authorization from me to make that payment and to reverse it, which they did. 

I would like an explanation from Advantage Financial as to : All information disclosed to the loan officer at my credit union ( for example, were the names of the creditors released? ). 
How did the loan officer find out about a collection item for me that does not appear on mine or my husband 's credit report? 
How did the credit union find out the exact amounts due including current interest amounts? 
What authorization did the credit union provided to Advantage Financial for them to disclose my personal information?
Product: Credit card or prepaid card

XX/XX/2021 it started with amazon not refundin a return they recieved on XX/XX/XXXX so XX/XX/XXXX i filed a dispute synchrony bank wasnt doin anythign to try and resolve this onei sent in all my proof they didnt even review it after over 3 months they sidede with amazon until i got nasty but i was fortnuate to find a honest employee who looked it over then i was told id see the credit in 7 days nope more like 30 some days XX/XX/XXXX theres a XXXX charge on my card i was transferred to fraud dept they cancel the card isssued a new also issues XXXX credit XXXX they put the XXXX charge back on tryied sayin i file dispute wrong claiming i filed it as unrecognized wrong so fraud again another new card no credit for XXXX i called 2 weeks later i was told there were no open disputes of any kind so again i had to get nasty, im tried of being lied to i want the XXXX credited back to my account also they have told credit bureaus that i dont agree with their decsision and thats also hurting my credit ive tried many many times to resolve this i get no where ive got many emaisl from amazon and they being nasty over the first dipute i filed sayin they will make me wait longer for refund and i will regret it at first i really felt synchronoy was on my side but no i dont knw what to think my messages in my online acct have been deleted by an employee ive been hung upo on by several employessi been with amazon over 10 years no problemsuntil this year synchronoy liek i said i have no idea what to think iv been good payer never late always pay more than minum and yet this is how i get treated they claim its mistakes on their end but first time i was told it takes 90 days ok they made mistake i had to refile same dispute they say itlltake 90 dasys, no it shouldnt their mistake they can fix itless time than that and now im haviing to record and take photos wehen im in webstie viewin messages just in casae they are deleted againalso i wana just make note of this, because i kinda feel since amazon was revengful when i filed a dispute just in case sycnhrony gets mad about me filin this with you and the fact i been readin up on some bad customer service when a customer has a complint seems businesses are not reverrting to messin up peoples credit to closing accounts that are in good standin and have been in goos standing, so in case i become a victim to revenge due to me filing this i want it noted, if my credit is harmed due to this then im sayin it now i will take offense to it and will pursuethat as well but hopefully you guys can take over for me resolcve this with out any further issues, or reatailiations.i ve tried to get them to resolve this over and over and im gettin no where. thank you
Product: Payday loan, title loan, or personal loan

I tried to purchase an XXXX XXXX XXXX today through XXXX the only way to purchase now is through a loan with citizens one. That alone is unfair to consumers, however in my case it was stared on the XXXX website that the loan application would not go through unless there was stock available. My loan application was approved and the website advised I had 10 minutes reserved to checkout. I went straight to the checkout and when I selected the confirm order the website advised the item was out of stock. I have received a confirmation from citizens one that the loan was opened. The loan never should have been opened given the disclosures. I have contacted citizens one and spoke to 3 individuals in the care center including one supervisor and none of them could provide me the address to dispute credit reporting information directly with their bank. They could only escalate my case and offer a callback in 3-4 business days.
Product: Credit reporting or other personal consumer reports

It appears that my credit file with you has been compromised. I was going through my records & noticed many files which do not belong to me. I found that under section 605b of the FCRA you are required by law to remove & delete any items which are found to be opened due to identity theft. The disputed items do not belong to me are listed below. 
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 XX/XX/XXXX
Product: Checking or savings account

I am a 17 year Chase bank customer. 
OnXX/XX/XXXXat XXXX XXXX I attempted using a Chase ATM at their XXXX XXXX XXXX XXXX XXXX NY branch ( XXXX ). 

I attempted to deposit both checks and cash. 
1 check was {$660.00}, one was {$35.00} and the cash was XXXX ( XXXX XXXX XXXX ). 
The machine had a failure - the screen said " We 're sorry. there is a technical problem ... '' and printed a receipt saying, " This device has experienced a technical problem. '' ( I signed the 2 checks at the table by the ATM 's - so this should also be on camera. Unfortunately I stopped writing the bank account number on the back of my checks since with the ATM stamping its not really necessary ). 

As it was just before the branch opened, 1 Chase representative was there. He said that it was best to call the number on the receipt ( XXXX ) which I did. I gave them all of the information and they opened a claim XXXX One day i receive email and email from Chase to contact them which I did. They said they did n't find anything and that I should have the " makers '' write new checks and cancel the old ones ( and Chase would somehow compensate for the stop check fees ). Before reaching the makers, i got an email from Chase ( 1 day after speaking with a rep ) that my claim was closed - and the credit they issued me was being reversed - meaning I 'm out {$840.00}. 

I called back up - got transferred to a supervisor and started from scratch.. The supervisor seemed surprised that I had a receipt - and asked that I fax it and they would reopen the claim. I did that (XX/XX/XXXX ) and never heard from the - and got no email that they claim was reopened. I called back todayXX/XX/XXXXand they told me they did reopen but did n't find anything. 

I 'm at a loss - clearly something went wrong. I 've never made up such a claim before. They have cameras. They are refusing to do anything else. 

The maker of the largest check unfortunately did n't keep a record of their check number but generously wrote me a new check - but they are concerned what will happen if the original ( signed ) check is cashed. The remaining XXXX I 'm out right now.
Product: Debt collection

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter. 

Since this company 's repeated failures would indicate an inability to provide me with validation as in accordance to the FDCPA, I demand that they cease all collection activities, close this account, and cease any and all reporting to all credit bureaus. I demand an immediate deletion to all credit reporting agencies. I demand that this be acknowledged and provided to me in writing for my personal and legal review as well as for my records. 

I began to review my credit earlier this year and noticed several inaccuracies. Out of an abundance of concern, I requested that VALIDATION in accordance to the Fair Debt Collection Practices Act be provided to me timely for my personal and legal review. However, after two separate requests made timely for this, the company has failed to provide me with this validation. 

The company not only denies me of my rights as a consumer under this act, they also continue to employ illegal practices, reporting tactics to bureaus, and harassment methods via phone and letter.
Product: Credit card or prepaid card

I XXXX XXXX XXXX XXXX XXXX They use a prepaid debit card through Comdata XXXX The Fee schedule included with the card under the 'Get money ' heading states that a bank teller withdrawal with the mastercard network is a {$0.00} no fee transaction. 
My bank XXXX XXXX XXXX attempted this for the amount on my card of {$350.00} and was declined. 
I contacted Comdata customer service on XX/XX/2023 and spoke with a representative. They told me that XXXX chose to not allow that function. A withdrawal at an 'XXXX  XXXX network ATM would be the lowest fee transaction. 
I asked for a supervisor to clarify this for me. 
The second person I spoke with also claimed that XXXX has denied that transaction option and there is no way to withdraw my money without a fee. 
I asked for another supervisor or their legal department to clarify this statement. 
Then I was put on hold for 30 minutes, at which point I chose to disconnect.

1. This means I can not get my money without a fee.

2. The fee schedule with my card ( And any other users with the same card ) is false. 

I then contacted XXXX XXXX XXXX XXXX XXXX as the 'existing " XXXX  option did not allow me to contact a representative. 
The rep was nice, and told me that information is available from the card issuer. 
I explained what the card issuer told me, and he offered to submit a case with the corporate office for XXXX. 
As of this writing I have not received any more communication from XXXX.
Product: Vehicle loan or lease

When I got the truck off the car lot its was running fine then when I went to pick my kids up from school and started smoke and I had find someone take the truck over where he at and so I call the tower truck man come pick it up and he gave back next day and the air went out and the truck then its raining in there and the truck from the top so o ask him can I get XXXX row for me and my kids got XXXX kids so he gave me A XXXX seat and told me try to wait until XXXX so I try them i after I got XXXX tickets I call him told him dont want do truck no more cause I have got a tick and there so the bank man call me and say why wouldve he give u a big truck for kids and I took the truck and drop back off at his lot and its was pay update so the man at bank XXXX the truck to someone else and tell me that I have to pay for something didnt work for me at all after someone else got truck Im Not about to pay for no truck that I dont have and what he sold for cause I told him what was wrong with truck I think its was lemonade cause i away couldnt go home to XXXX XXXX  the truck will get hot fast and my kid always sweating In theres. He just wrong for charging me XXXX XXXXXXXX dollars and he sold the truck then put its on credit. That not rite all how someone gone pay for a trust that they ant got and I made the payment when I had the truck even know I drop off early month and I still pay the truck theyl so I stop pay for it Cause thats just wrong making someone pay for a something they Ant got and I just draw XXXX so how can I pay for something when my check XXXX XXXX even no i dont have incomes like that no more cause my kids income have dropped
Product: Checking or savings account

Money was stolen from my chime account through cashapp while in the hospital my identity and card was took over they emptied my account and Chime allowed it instead of blocking my card when I make a paper myself they stop the card on important payments so why would they allow so many cashapps to come off my card in difficult people names and not stop not one transaction then after getting out this hospital since XX/XX/XXXX I come back to a empty account and rent due I called chime to file a dispute they told me 10days there is no way I can wait 10 days for there negligence I contacted cashapp they told me have my institution get in contact with them and they will refund my funds immediately but I still have no money on my account and if my rent is not paid for last month ago this month they are evicting me and my family chime saw these fraudulent transactions and did not stop my card it's so many different names on these transactions and they allowed them even my XXXX cousins who doesn't know what a cashapp is I need my money refunded immediately to my account because I can't be sick like this on the street I don't file any disputes with chime maybe 1 dispute so If I'm filing this dispute it's serious I don't wan na sue chime but if I'm kicked out my apartment behind them not monitoring my account I have no choose I'm in bad shape and I can't be in the street behind negligent and fraud cashapp refund immediately so I need my funds immediately by Tomorrow if not I have no choice but to sue immediately because if they don't refund my money by tomorrow imma have to file a suit to get back in my house immediately that was me and a family member settlement they allowed to get took its so many transactions that's not my name or my family members name thats on the check and I will upload the pictures and how many transactions they allowed to come off this card they stop all my legitimate transactions but don't stop these fraudulent charges
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a capital one card in XX/XX/XXXX of this year. Right after a XXXX XXXX XXXX account showed up on my Credit Report that says I am negative XXXX. This is so wrong I never opened a card in XX/XX/2017. I have disputed this information and reported it to the credit bureaus with no answers. I can't get a mortgage right now due to this inaccurate information. If It was mine I would pay for it!!! I never opened an account at that time!! 


XXXX XXXX XXXX XXXX CAPITAL ONE BANK USA N.A. 

XX/XX/2017 {$2500.00} {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX
Product: Credit card or prepaid card

Hi, I applied for the American Express XXXX XXXX XXXX card on XXXX XXXX 2017 and got a same day approval. I was expecting to have some expenses and the promotional offer was good ( XXXX Membership Rewards points after $ XXXX spent in 3 months ). 
After I received the physical card few days later, I called AMEX customer service to confirm my sign up bonus and I was told that it does not show up in my account that it was offered for my account. Investigation was opened after a few calls. I made subsequent calls and initiate online chats every week or two to follow up with the issue and finally I was told that the investigation was closed and they could not offer the bonus term to me. The reasons given was different by various customer service representatives and after escalating the issue they forwarded my call towards what sound like customer service manager and I was told that because the sign up is through a third party website ( some blogs hyperlink to american express sign up page and forms ). Even though that there are evidences that signup bonus was offered through third party during that time from various websites, they can not help on providing the bonus offer. I did not have any screen capture for my applications but few friends of mine already got their bonus points after satisfying the sign-up bonus terms while I 'm left with no choice to even make things correct. 

The offer was no longer active since late XXXX. 
Card # XXXX Name : XXXX XXXX XXXX
Product: Debt collection

I am not liable for this debt with XXXX XXXX XXXX XXXX. I do not have a contract with SOUTHERN CREDIT RECOVERY, they did not provide me with the original contract as i requested.