23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a 15-year fixed rate refinance on my home with Bank of America on XX/XX/17 with a cash out amount to cover bathroom remodeling. I paid BOA over {$500.00} for a home appraisal. At that time my master bathroom was gutted to the studs. Prior to allowing the appraiser ( hired by BOA ) access to my home, I asked her if the unfinished bathroom would be an issue with the loan. She stated no- only if it was an addition to the home, not an interior renovation. One half hour before closing time on Tuesday morning a few weeks later, I got a call from the closer stating there were no closing documents and that closing would not take place. I then called BOA who stated there was a glitch and since my renovations exceeded more than .05 % of the appraised value of the home ( XXXX ) - that the closing could not occur until the bathroom was at least partially completed. BOA had that appraisal for several weeks and no one said anything about my gutted 40 sq. ft. bathroom until the day of the closing. I then incurred heavy credit card debt to finish the bathroom so the loan would go through. BOA wanted to know how the bathroom was paid for- where I got the money from, etc. I cashed in an IRA for XXXX to help defray the costs and ran up my XXXX card, and used my savings to pay for the bathroom at their demand!! They demanded another inspection ( at MY expense ) which was completed. I was promised after the inspection a closing date would be set. There were several other closing dates set, but all were called off. There was a re-evaluation of my debt-to loan ratio and they demanded more and more information on a daily basis. This went on for over 3 months. I have gotten ill twice during the process. My hair fell out in clumps. BOA had me in a Catch-22 situation. I did not have money necessary to complete the renovations, and that is why I applied for the loan. They then balked at processing the loan due to the debt I incurred FOR THEM!! And each day they prolonged it, it is cost ME money due to fees to extend the rate lock. I finally threw in the towel and cried ENOUGH! This is consumer ABUSE!!
Product: Credit card

My son, a XXXX needed immediate dental work. He was in a lot of pain. When I initially took him to the dentist, they intimated they had a payment plan. He has some dental insurance but not enough to cover the cost in its entirety. The dentist offered care credit and said it would cover the cost of the procedure and I wouldnt owe anything for a year. Once I used it to pay for him and I did owe, I made consistent payments but the balance never reduced because they charge security fees totaling {$100.00} a month. Once paid off, you are still paying the fees each month. You will never be debt free with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I learned of the Equifax security breach today, through the news, not through them. I was affected for months and they did not tell me. Something like this has the potential to ruin lives by ruining credit. 

I believe they should be fined and have to pay for any damages to people 's credit. 

There should also be legislation introduced so this does n't happen again.
Product: Money transfer, virtual currency, or money service

My coinbase wallet can't get identification verification and I have several Clear and valid documents to support my identity. It's been in limbo for several weeks and no verification
Product: Debt collection

I was not made aware that I could dispute this transaction because I had no notification of a past due bill or that it affected my credit score until now.Cost {$2500.00} ( estimated ) to XXXX was not made Aware of do. No contact through via email phone or anything
Product: Checking or savings account

In th e past two months I have had several Bank accounts closed because of suspected fraud. The banks in question ( Chase,   XXXX   XXXX   ) clo sed my accounts abruptly and would not provide any additional information except for that my accounts were closed to fraud.
Product: Credit reporting or other personal consumer reports

Having filed with the FTC identity theft reports XXXX and XXXX ( current ), as well as concurrent complaints with CFPB, as to the account XXXX XXXX XXXX XXXX - account number XXXX as a fraud occurring from identity theft as not " authorized by me '', I am reasserting under FCRA 605B ( 15 U.S.C. 1681c-2 ), as well as " Notice to Furnishers of Information : Obligations of Furnishers Under the FCRA that the fraud filed complaint under, and reported, through both the FTC and CFPB was a fraud through identity theft not as the applicant and credit holder of the account ; but a fraud committed as the holder of the account and credit " not authorized by me ''. The tires were never received, taken, or mounted and were not to be charged to my credit account. I went back, in person, twice, and both times, I was told " it was being handled '' by management. I was never charged or paid anything, and I never authorized the charging of my credit account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon checking my most recent credit report, I noticed that you are continuously reporting an account with incorrect erroneous information. This is a massive violation to the Fair Credit Reporting Act. I have already addressed Experian with regards to this issue and I have not received any response from them until this date. Listed Below is the account in question : XXXX XXXX XXXX {$0.00}
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, around XXXX XXXX a wrongful XXXX transaction was made by mistake. It was notified to Discover bank immediately within 10 minutes in the hope that the transaction would not go to the first-time recipient yet. Discover bank 's customer service did not transfer me to their Dispute team and said that they couldn't do anything to help, they did not mention Regulation E to resolve this situation. Until XXXX, after researching by myself, I found out about Regulation E and called back, after I mentioned specialty about Regulation E, they gave me the phone number of their dispute team, but their dispute team is closed 30 minutes ago. I called back to Discover bank dispute team in the morning, they told me to call XXXX. I called XXXX, and a XXXX representative said they can help me but they need Discover bank to work with them since I did the transaction via Discover app, XXXX is unable to reserve the fund because they have no access to Discover bank data. I was stuck in between because Discover and XXXX did not work together to resolve my problem.
Product: Mortgage

Roundpointcontinue to contact us and failing to provide evidence and proof of steps taken showing how they calculated the amounts. I have documentation from assessor office of XXXX XXXX XXXX. Concerning property XXXX XXXX XXXX XXXX Louisiana XXXX qualify for special assessment, we also have documentation from fema confirming flood insurance is n't a requirement so it 's a little disturbing as to way this company is reporting incorrect information and another thing roundpoint states roundpoint paid XXXX county incorrect. This company is out just to capitalize of my husband and I and to manipulate the system for its own gain we are feed up. We are requesting that CFPB take corrective action thi matter have gone on a lil too long and a resolution is demand.
Product: Mortgage

On XX/XX/XXXX I submitted to Carrington a written request for a full disclosure as to the categories and dollar amounts for each category that were included into making up the {$41000.00} referenced in my Loan Modification Agreement. This was the amount added to our outstanding principal balance. Our principal balance was {$14000.00} ; the current balance is now {$180000.00}. I am not satisfied with the information that Carrington provided in their response dated XX/XX/XXXX. They provided me with TOTAL dollar figures for the interest and escrow balances. I want more specifics such as beginning and ending dates that comprised the {$29000.00} for accrued interest on the delinquent payments ; and what payments were made from the escrow charged in the amount of {$11000.00}. They did n't break down what was paid for insurance, taxes, etc. from the escrow account. They did n't provide me with any dates for any of the escrow payments. I feel they are being evasive as to what comprised the {$41000.00} added to our principal balance.
Product: Debt collection

Torres Credit Services continually calls my phone without leaving a message. I do not know what this is pertaining to.
Product: Mortgage

WE TOTALY AGREE AND WE ENTIRELY IDENTIFY OURSELF WITH THE Prepared Remarks of CFPB Director XXXX XXXX on the XXXX XXXX XXXX XXXX XXXX. XX/XX/XXXX BECAUSE THATS EXACTLY WHAT HAPPENED TO THIS LOAN MODIFICATION. 
IT WAS STUCK IN THE FINANCIAL CAOS OF XXXX. 
SEE ATTACHED Document. 


OUR ACCOUNT OF EVENTS : WE PURCHASED THIS PROPERTY IN XXXX FOR {$420000.00} WITH A LOAN FROM XXXX, THE BIGGEST LENDER IN THE COUNTRY AT THE TIME. 
IN XXXX XXXX COLLAPSED AND XXXX  XXXX XXXX INHERITED MILLIONS OF XXXX LOANS. 
IN XXXX WE LOST OUR EMPLOYMENT AND WE DEFAULTED ON OUR OBLIGATIONS. 
WE HIRED THE " LEGAL HELP GROUP '' WHO PROMISSED TO SAVE OUR HOME AND DELIVER A LOAN MODIFICATION. 
WE SPENT 2 YEARS FAXING UPDATED FINANCIAL INFORMATION BUT NOTHING WAS DONE BY THE LEGAL HELP GROUP. 
WE THEN APPLIED DIRECTLY TO XXXX  XXXX XXXX. 
TWO YEARS PASSED XXXX  XXXX XXXX FAILED TO DELIVER. 
THE LOAN WAS TRANSFERRED TO SHELLPOINT MTG. 
SHELLPOINT MODIFIED THE LOAN SIX MONTH LATER, WHICH WE ACCEPTED IN PRINCIPLE BUT WE NEVER RECEIVED THE TERMS OF THE LOAN FOR OUR REVIEW.

THIS IS WHY WE HAVE REQUESTED A VALIDATION AND VERIFICATION OF THE ENTIRE HISTORY OF THIS LOAN WHICH WAS DISTORTED DURING THE FINANCIAL CRYSIS OF XXXX. 
THIS HOME WAS MEANT TO CARRY US THRU THE RETIREMENT YEARS INSTEAD THE TOTAL AMOUNT DUE IS NOW AT A WOPPING {$800000.00} WE NEED ALL THE HELP WE CAN GET FROM CFPB, SHELLPOINT AND XXXX  XXXX XXXX TO GENERATE A LOAN MODIFICATION THAT CAN TAKE INTO ACCOUNT THE UNFORTUNATE EVENYS OF XXXX AND XXXX AND DELIVER A MODIFIED LOAN WITH A TOTAL AMOUNT DUE NOT GREATER THEN {$150.00}, CALCULATED BY XXXX. ( SEE XXXX ESTIMATE ).
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019 I received notification of a new credit inquiry on my Equifax report. My credit report had been pulled in XXXX, Texas at a car dealer. I live in Arizona and I am not looking to buy a car. I have not visited a car dealer in Arizona or Texas. I tried to file a dispute and the website directed me to contact the company in the inquiry which is XXXX Of XXXX. I contacted them the same day with no response. The following morning, XX/XX/XXXX, there was a new inquiry again from XXXX of Texas. I called them again and their reply was that if I did not provide them my ss # they could not tell me who pulled it. I did not provide them my social since they had pulled my credit twice without consent, I was worried that they would do it again. I asked if there was any other way they could help me and they asked if it was for a new or used car. How am I supposed to know what they pulled it for if it was not requested OR authorized by me? I finally successfully filed a dispute through Equifax but it came back as " factual data '' and stayed on my report. I called XXXX of XXXX once again only to be told not to worry about it. They said " someone with a similar name '' was buying a car and that is why it showed on my report! So there are still two unauthorized inquiries from XXXX of XXXX on my Equifax report.
Product: Credit reporting or other personal consumer reports

I am writing to contest and to dispute the inaccurate reporting of accounts on my credit report. Upon contacting the respective companies, it was confirmed that an error occurred. Furthermore, assurances were provided over the phone that the accounts would be promptly updated. Your bureau is legally obligated to conduct a reasonable investigation of disputes. This investigation must be prompt and must include a review of all relevant information submitted by the consumer, such as myself. XXXX and XXXX have already corrected the inaccuracy of the accounts from my report and so I request that you take immediate action to update this erroneous accounts. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Vehicle loan or lease

I filed bk XXXX  XXXX and the case was discharge. I called PNC on XX/XX/2024 when I found out that even after discharge the payment are not being reported to the credit agency. The representative informed me to write a letter, send it certified mail to their credit bureau investigation which I did asking them to report the status and payments history on the auto loan with account number XXXX to the credit bureau agencies. They replied back to me on XX/XX/2024 that they elected not to report accounts that had a bankruptcy filing. Before, during and after bankruptcy the payments all always being made on time. The Reaffirmation agreement was certified by a bankruptcy attorney and a judge. As a result Im still responsable for the debt and since Im continue in contract, reporting to the credit bureau agencies should be continue.
Product: Credit reporting or other personal consumer reports

HELLO, MY NAME IS XXXX XXXX AND I AM A VICTIM OF ID THEFT. SOMEONE USED MY PERSONAL INFORMATION TO OPEN THE FOLLOWING ACCOUNTS IN MY NAME : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX } # XXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OPENED : XX/XX/XXXX XXXX. XXXX XXXXXXXX XXXX XXXXXXXX # XXXX XXXX XXXX. XXXX
Product: Mortgage

Our loan was assumed by Bayview Loan Servicing in XXXX XXXX. We had previously been serviced by XXXX. We filed Chapter XXXX bankruptcy in XXXX and made every monthly loan payment. We paid the courts our monthly payment for 60 months, they in turn paid the loan servicing company every penny they requested. When our loan was sold to Bayview they began sending paperwork about refinancing. The final court payment had been paid to XXXX in XXXX, just before the transfer. Once our chapter XXXX was paid in full Bayview notified the court and us that we were {$20000.00} behind in payments. I have called, sent filing documents, data from the courts about payments to the loan servicing companies and finally this past Spring 60 months of bank statements showing a payment made to a servicing company. They do not respond, they do not ever answer the phone and if they do call you back it 's always during the work day. I originally told them I am willing to discuss refinancing once we discuss why they think we owe them $ XXXX when it has already been paid. At this time I want this settled so that I can refinance or sell this home to get the mortgage out of their hands. Additionally, I am trying to make sense of the escrow monies they are collecting - they appear to be collecting more than required.
Product: Credit reporting or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These accounts may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following accounts are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

Im continuously dissed XXXX the fraudulent inquiries listed on my check systems report. Representatives that check systems do not investigate my concerns and they do semi letters back saying that my disputes are frivolous which is very insulting. These inquiries listed on my check. System report are not authorized by me, never have I ever tried to obtain or open accounts with these companies nor did I give anybody permission! These companies are in another state besides Florida and I do not qualify for the guidelines to open accounts with them so that shows that these werent done by me also addresses listed on these inquiries do not match any place I lived But yet check systems refuses to remove them. Ive contacted the companies individually requested that these inquiries being removed.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit that highlights significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, both my financial institution and Zelle failed to adequately investigate my claim. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. 

The CFPB 's findings indicate that Zelle has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Checking or savings account

On approximately XXXX or XX/XX/XXXX of XXXX, I called Bank of America to report fraudulent transactions on my minor child 's bank account that included fake checks and withdrawals from branch locations in California, we live in XXXX. I was told that the transactions would be reported as fraudulent and I placed a hold on the account in question and ordered a new debit card for my primary account. I was under the impression that I performed all of my due diligence as a consumer, and a law-abiding customer with the same bank account for over 19 years. 

On XX/XX/XXXX I attempted to log into my online banking account and was not granted access ; I called Bank of America to be informed that they without notice decided to close my primary bank account and that I wouldn't have access to my funds until the process completed, up to XXXX business days. This left me scrambling to pay bills, and feed my daughter not having any access to my funds. 

After numerous calls to corporate and a visit to my local branch, I still don't have access to my money and there is no information as when I will receive the funds. I have deposited my payroll checks into this account since XXXX and there is ZERO empathy, consideration or recourse for their hasty decision to close my account. In addition to telling me that I won't be able to access any Bank of America products in the future. 

Bank of America has notoriously been unfriendly to communities, however the holding of my cash feels predatory considering funds are insured AND this activity is to no fault of my own. I am working hard to manage my finances and pay bills on time and Bank of America is preventing me from doing so by holding my cash XXXX.
Product: Student loan

I have tried having them work with my payments to be postponed since I am currently unemployed taking care of my XXXX child, no type of assistance has been offered. They have reversed payments on my account without notice or my consent. They have done adjustments to my account that I do n't know why they were done. They are charging such a high interest on my line and it 's set as a variable interest instead of fixed. I have tried releasing my cosigner and have releasing my cosigner and have been told no paper work or incomplete paper work was received so my application has not been accepted.
Product: Student loan

Applied for PSLF and was denied. No credits even though I made 10 years of payments. I am just finding out my payments did not qualify yet I was not informed about that when I started.
Product: Credit card or prepaid card

Synchrony Bank XX/XX/XXXX : after not receiving a notice for payment, i made the payment and asked to be put on autopay. 

My autopay should be approximately XXXX. I have always paid XXXX -- XXXX dollars more each month for over 24 months. 

On XX/XX/XXXX Synchrony Bank withdrew {$3800.00} dollars from my bank account and closed the account. That had paid it in full. We had a balance just over {$1000.00}. The bank has an account that paid {$2700.00}. That account charges fees and interest. 

I called my bank to have them cancel the incorrect withdrawal. Because it was Synchrony, they could not do that. They suggested I contact Synchrony. At first I could not log in because my account was closed. I found a way around that. After much searching, I found a number to call. 

Call 1 : The person I reached told me it would be 7 - 10 business days to return our money. 

I went to their XXXX  site and saw where people were leaving comments about the same or similar thing happening to them. I left a message on there. 

A person called me and told me she would try to expedite the return because we had {$36.00} to last us in to XXXX. She said that it was a " SYSTEM ISSUE '' and we should get our money back in 14 days. She gave me a phone number with extension and her hours. Repeated calls have not been returned. 

I have had about 6 messages under their HELP section. The responses I have gotten back are almost form letters. They say it will be 7 - 10 days, and the latest ones say it will take at least 2 to 3 weeks. One said the account is closed, so they will have to send us a paper check. 

I have sent information on this to XXXX XXXX XXXX XXXX XXXX XXXX I learned that they only contact the company and let the company handle it. 

The Synchrony card we have was for our XXXX heatpump. I understand this company owns over XXXX cards such as XXXX, QVC, Lowes, and the topper is Amazon. 

The financial devestation I have experienced has created problems with me mentally as well. Soon the electric company will turn off lights, and the phone company will shut off the phone. We traveled XXXX miles round trip to turn in out cable equipment to stop that autodraft. Our car gets XXXX mpg, gas is about {$3.00} a gallon. If you do the math, and take it out of our XXXX remaining dollars, you get the idea. 

I now know we are not alone. Please get them to handle this quicker. Fine them, suspend them, I do not know ; but action need to happen. 

Synchrony has major problems and has about ruined my family, my credit and since I can not get life saving medicine, they may have killed me. 

I have copies of the messages, my payment history etc but can not attach them currently.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE SENT THE DISPUTE LETTERS ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, AND XX/XX/XXXX,. TO DATE I HAVE NOT RECEIVED ANY INVESTIGATIVE RESULTS REPORTS. THERE ARE SIX 30 DAY VIOLATIONS IN DIRECT VIOLATION OF THE FCRA ( FAIR CREDIT REPORTING ACT ). PLEASE DELETE AND AMEND ACCOUNTS AS REQUESTED BELOW. 

THERE IS VERY SUSPICIOUS BEHAVIOR GOING ON WITH YOUR INVESTIGATVE PROCESS AS XXXX  AND XXXX HAVE COME BACK WITH INVESTIGATIVE RESULTS WHEREBY THEYVE DELETED THE BELOW ACCOUNTS THAT YOU STILL SHOW ON MY CREDIT FILE. I AM SURE YOU DO NOT WANT YOUR INVESTIGATIVE PROCESS EXAMINED IN COURT IN DISCOVERY SO PLEASE DELETE AND THE AMEND THE BELOW ACCOUNTS WHERE APPLICABLE. 

SHEETS FROM XXXX  REPORTS FROM XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX. THE SHEETS SHOWING THE DELETIONS PROCEED EACH OF THE INITIAL PAGE OF EACH DATED REPORT.
Product: Checking or savings account

On XX/XX/year> a scammer used my cashapp to purchase XXXXXXXX XXXX  gift codes costing up to XXXX dollars. Cashapp has continuously put me around the ringer, doing the same thing over and over again hoping I give up. Upon looking this up on the internet for help with my problem I see there is a lawsuit on going for my exact problems and hundreds plus of post having the same issues. Please help get my money back I literally couldn't eat some days because of this.