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

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or repair the following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I request your kind attention on my below mentioned case and please reply and let me know how can I proceed further so as to approve my application for Refinance : Quote : Since ( around ) 6 or 7 years I have a Mortgage Loan for my Primary home at XXXX, New York with TD Bank and the interest rate is 6.9 % which is very high, hence I try to Refinance the same loan, hence, I submitted application for Refinance the said loan at the same TD Bank, and upon run my credit history by TD Bank they got my highest credit score is XXXX, however, TD Bank declined my refinance application, the reason they said " '' the problem is debt with income ratio '' '' '' ''. 
FYI : as per 2014 my tax return documents my income is {$74000.00} and debt is around {$54000.00} plus I have liquid cash of {$100000.00} in my XXXX Fund Account ( like XXXX ) plus cash value of around {$70000.00} available from my whole Life insurance coverage from XXXX and XXXX XXXX XXXX XXXX which I showed in my application also TD Bank did n't ask me the Tax return documents or any related documentsand without seeing the required documents from my side HOW THEY DECLINED MY REFINANCE APPLICATION? 
From the above, I strongly doubt that the TD Bank declined my application because now I pay interest of 7 % to TD Bank and if they refinance now the rate must have reduced to around 4 % that will be the lose for TD Bank and that may be the reason to decline my application to refinance. FYI : Am a XXXX RETIRED employee with having the income of Pension and XXXX too and so far with very diffcult and without any default I am paying my monthly mortgage payment regularly without interrruption. therefore, please hlep in the subject matter so as to approve my refinance application. 
In view of the above, please let me know how to proceed further so as to get refinance. 
Expecting your valuable advise soonSincereXXXX XXXX
Product: Credit card or prepaid card

I purchased a ticket on XXXX XXXX using Reward Points from my Visa Signature card, issued by XXXX   XXXX  / Bank of American. My travel was interrupted by Hurricane Irma and the final leg of the flight, from XXXX to XXXX, was cancelled. Four of the people I was traveling with request refunds through the credit card with which they had bought their tickets and received a credit on their card within a week. I was told by the travel department of Bank of American ( Signature Rewards ) that since I had used points, rather than paying cash, I would have to contact XXXX directly and have them refund the money to Bank of America, who would then credit me with the appropriate number of points as a refund. I agreed and contacted XXXX. On XX/XX/XXXX. XXXX processed my refund to Bank of America for {$72.00}. ( I have an email to that effect from XXXX. ) Since Bank of America had told me to re-contact them when the refund had been sent, I did so on XX/XX/XXXX. The representative said that she was inputting the necessary information to have my account credited. I waited two weeks, beyond the time the represented said would be necessary, and checked my account. Nothing had been credited. I called XXXX XXXX XXXX Travel again today and was kept on hold for over 30 minutes in an attempt to speak with a supervisor. The rep I was in contract with could do nothing to help me, By the way, here is information from the Travel Center regarding my ticket : Travel Center booking number : XXXX At this point, it seems like even though this is a small amount -- I really do n't know how many points should be credited -- I would like to see a better response from the travel department / rewards program. I suspect the response would be just as bad if a larger amount were involved, and, as a consumer, I really do n't know how to continue to address the issue, short of this type of complaint. My name is XXXX XXXX XXXX and my home phone number is XXXX. Please contact me if you need more information. Thanks you.
Product: Checking or savings account

I opened an account in Chime in XX/XX/XXXX because I was traveling to XXXX, and Chime advertises they dont charge any international fees. My account number is XXXXand the email used to open the account is XXXX. I deposited {$310.00} dollars in the account for traveling expenses. On XX/XX/XXXX I tried to pay for an expense in XXXX and the account was locked. Chime states in their phone application that there is an email to send information to verify my identity and unlock the account. The same day ( XX/XX/XXXX ) I sent the requested information to chime. After multiple calls and escalations ( my mom and and dad called twice, and I called in XX/XX/XXXX and XX/XX/XXXX ) the account continues to be locked andfunds are not available. I received a support ticket # XXXX however when I asked today to the supervisor if the account can be cancelled, so I can receive my funds back, or if there is anything that can be done to access my money. Supervisor states that there is nothing to be done, there is no time to resolution and there is no one that we can call to address the problem only the " backoffice department '' can Unlock the account. I have not been able to access my money, and this company wont respond to the emails I sent. As of today Chime has locked me of accessing my money for 23 days!
Product: Checking or savings account

On Tuesday, XX/XX/XXXX approximately at XXXX I received an email from XXXX XXXX that My XXXX subscription was past due and received a payment. I was under the impression that my daughter used this software. On Wednesday, XX/XX/XXXX I called the number contained in the email which I believe was the contact information for XXXX. The telephone number contained in the email was for XXXX XXXX at XXXX. He responded by providing his employee ID XXXX and stated he was with XXXX. He referred me to the payment department XXXX ( XXXX ). 

While on the phone with him I went into my TD bank account via my computer and attempted to make payment. XXXX instructed me in error I made a double payment to XXXX for {$100.00} ( XXXX {$100.00} ). He told me that he was going to credit me {$100.00} but that I needed to enter the amount. At that point my computer started to scroll and it appeared as if there was an additional {$10000.00} in my bank account. When the scrolling stopped I saw that the TD Bank account ( which is my checking account ) had an additional {$10000.00}. I saw this amount thinking I was actually in my bank account not actually logging in myself to my account. I did not open up a separate session and log in the TD Bank account to verify. 


At this point XXXX told me I have {$10000.00} of XXXX money and that he was unable to reverse the transition. The only way it could be rectified would be to actually go to the bank and withdraw the {$10000.00}. If I didnt do this there would be legal action and my bank accounts would be frozen. This transaction needed to take place today and before XXXX. The only way would be to redraw the money as any other way would involve paying taxes on the money that was being taken out. I was instructed to tell the teller at the bank that the withdrawal was for personal use and home renovations. I was then instructed to go to specific ATMs that deal with XXXX. After a few attempts with various ATMs I was not able to make the deposits as instructed. I was in conversation this whole time with XXXX instructing me which ATM machines to try. I used XXXX different ATM Machines ( XXXX transactions at the ATM located in XXXX XXXX New Jersey - XXXX XXXX XXXX and XXXX transaction located in an ATM in XXXX New Jersey XXXX XXXX XXXX ) On Thursday, XX/XX/XXXX I checked my account and discovered the {$10000.00} was never actually deposited into the account and I was out the {$10000.00}. That morning I reached back out to XXXX to see what was going on with the money. I was than instructed when XXXX in front of my computer as I was at work at the time to sign in to the computer, call him again and he would instruct me on the next steps to remedy the situation. The plan would be to have XXXX / XXXX deposit {$13000.00} in my TD bank account and we would attempt to perform the same type of transactions with me now withdrawing {$3000.00} from the bank and making deposits with the same ATM machines. The {$3000.00} amount is coincidentally the balance that I had left in my account after the withdrawal of the {$10000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX accordance with the Fair Credit Reporting act, XXXXXXXX XXXX XXXX  Account # 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: Credit reporting or other personal consumer reports

XXXX continues to report incorrect information on my consumer report. My name is XXXX XXXX there should be no other name on consumer report if there it is incorrect and considered identity theft as the name is not mine. My address is XXXX XXXX XXXX XXXX Ga XXXX there should be no other address listed if it is it is not mine and causing me significant harm due to being incorrect and the information not matching what is indeed true.
Product: Credit card or prepaid card

I have a Bank of America prepaid debit card from the California EDD. I have been attempting to withdraw funds for my XXXX rent, however Bank of America has closed my card and frozen my account without giving any reason. I have been on hold for hours. I was told by one representative that EDD had shut down all cards and was redirected to contact EDD. After speaking with other people experiencing the same issue it appears that BOFA has frozen the accounts on their own and is offering no information or solutions to the general public.
Product: Debt collection

This company continues to call my phone about a debt I have no idea about - I have tried to get the information on the account several times and the agents are rude and hangs up on me.
Product: Credit card or prepaid card

I use Bank America payment process to pay off deft every month and the month of XXXX they did not process my payment which result in a late fee and penalty and interest charge which I had to stop using their online site to iniate payment from another source. Refund my late fee and interest charge for they look at the past two years and see that I always make payment and it their system that fail.
Product: Money transfer, virtual currency, or money service

I attempted to withdraw funds from my Wealthfront account via a wire transfer for {$500.00} on XX/XX/year>. However, the funds were sent to the wrong bank account. The receiving bank, XXXX XXXXXXXX XXXX, confirmed they rejected the transfer and returned the funds to Wealthfront. Despite this confirmation, the funds have not been credited back to my Wealthfront account, and it has been two weeks.

I have contacted Wealthfront multiple times to resolve this issue, but I have not received any response or update from them. This lack of communication has caused significant concern and inconvenience as I am unable to access my funds. I am seeking assistance from the CFPB to expedite the resolution of this matter and ensure the funds are returned to my Wealthfront account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with Equifax which was 700+ was reduced to XXXX without an explanation. In reviewing my account the only thing that stands out is an unsubstantiated, derogatory comment in reference to XXXX XXXX. The XXXX XXXX account was paid in full. A review of other credit bureaus shows nothing derogatory from or about XXXX XXXX, only Equifax has the negative comment and reduced score. 

When I first reviewed my account and noticed the reduction, there was no explanation. Two weeks later, I reviewed my account again, and this time Equifax had entered the derogatory comment about XXXX XXXX. I believe they went fishing for an explanation for the reduction in my credit score.
Product: Credit reporting or other personal consumer reports

When the SEC seeks civil penalties against a defendant for securities fraud, the Seventh Amendment entitles the defendant to a jury trial. 
SXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) 28 U.S. Code 1691 - Seal and teste of process All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. 

( XX/XX/XXXX, XXXX. XXXX, XXXX XXXX. XXXX. ) XXXX never served by Clerks and writs never signed.
Product: Student loan

My original lender was XXXX XXXX XXXX ; this loan was considered a private loan that my parents took out to pay for my college education. XXXX XXXX XXXX had switched servicers to XXXX XXXX. The original promissory note I have, shows my father as applicant # 1/borrower, my mother as applicant # 2/co-borrower, and myself as student. This loan originated in XX/XX/XXXX. My father and I share the same name and I feel that has added confusion. My father always made the payments on this loan, as well as, collected tax documents and deductions on this loan, as the borrower. In XX/XX/XXXX, my father passed away from XXXX. My mother contacted XXXX and she was told about loan forgiveness. She submitted my fathers death certificate and she waited 32 days for an answer. Unfortunately, they did not approve the loan for forgiveness. Instead, XXXX has switched me, from student, to borrower and my mother stays as co-borrower. How did I go from being a student on a promissory note, to now the sole borrower? I have called XXXX, and it has been unsuccessful. I have requested documents including the denial letter stating why the loan wasnt forgiven as a result of my father 's death, the promissory note they have on file, as well as the loan terms indicating that I am now legally responsible for this loan. I have had no success in retrieving these documents. I have been told that I am not entitled to these documents from XXXX and to contact XXXX XXXX XXXX for the promissory note. I was told by a XXXX representative that the promissory note they have on file is not legible and she couldnt confirm who was supposed to be borrower/co-borrower. I have contacted XXXX XXXX XXXX, for a copy of the promissory note, by email. I was told by XXXX XXXX XXXX that they do not have the promissory note and to refer to XXXX copy. I have responded to their initial email, requesting more information and they have not responded. There is no contact information for XXXX XXXX XXXX, just an email address. I am doubtful of the information I have been given. I feel I should be entitled to a copy of the denial letter, as well as a legible copy of the promissory note. I would also like to see a copy of the loan terms indicating how I went from being a student, to now the main borrower. I want documentation, and feel it is my consumer right, to have proof that XXXX has that ability to change borrowers and to choose who is made responsible. Though Im hopeful for your timely response and subsequent resolution of my issues, Im fully aware of the 'not-so-positive ' reviews/feedback given to XXXX XXXX and, therefore, will be prepared to submit additional complaints to the XXXX XXXX XXXX , and the Ohio Attorney General.
Product: Mortgage

My equity line of 10 years was due to expire in XXXX. I attempted to refinance it but Citizens bank denied me credit based on my reduced income due to Covid loss of business. With no option my payment was doubled. Citizens claims to have sent me mortgage statements each month with the amount due but I have received none. I paid the bill via my online banking app and placed recurring payments via Auto pay. When I noticed I was double paying I called the Citizens Mortgage department. They said they were pulling from my account via what they called Autopay. I agreed I'd cancel my autopay and they would debit my account for the payment. They did not and I recieved a {$20.00} service fee. I called again, set up auto debit through the mortgage department and agreed I'd cancel Autopay through my on line bill pay. Again, it did not happen and I recieved a {$20.00} service fee that they now refuse to waive because company policy allows for only one credit ( even though they made the mistake ). They have two seperate Autopay services. Mortgage Autopay pulls the money from your account and Online Autopay sends money from my account. I want them to debit my account and return the {$20.00} service fee. The supervior XXXX XXXX XXXX  that I spoke with Monday morning XX/XX/XXXX refused to refund the charge and refused to provide me with an escalation path. This issue remains unresolved.
Product: Credit reporting or other personal consumer reports

I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response. Below are the details of my complaint : 1. Charged-Off Account or Collection Account Creditor/Collection Agency Name : XXXX Account Number : XXXX Issue : This account was charged off/placed in collections without proper notification or validation of the debt. 

I requested validation of the debt per my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), but the creditor/collection agency failed to provide sufficient documentation. 

The reported balance and payment history contain inaccuracies that I have disputed with the credit bureaus, yet the creditor refuses to correct or remove the erroneous data. 

The account was sold to a third-party collector, yet it remains listed under the original creditor, creating duplicate reporting and unfair harm to my credit profile. 

I am requesting the immediate deletion of this inaccurate and unverifiable account from my credit report or proper documentation proving its validity. 

2. Unauthorized/Incorrect Hard Inquiry Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Company That Performed Inquiry : XXXX XXXX Date of Inquiry : XX/XX/year> Issue : I did not authorize this company to pull my credit. 

No written consent or permissible purpose exists for this hard inquiry, which is a violation of the FCRA ( 15 U.S.C. 1681b ).

Despite my dispute, the credit bureaus and the creditor have refused to remove the unauthorized inquiry. 

I am requesting the immediate removal of this hard inquiry from my credit report, as it was made without my authorization.
Product: Credit card

I applied for a capital one venture card through a promotion that stated if approved for card, receive {$250.00} travel credit + XXXX bonus miles if you spending {$4000.00} in the first XXXX months. Was approved for card and card was sent to me. Travel credit was not applied to my account so I contacted capital one. They told me that I was approved for the card but not that portion of the promotion but could not elaborate on why. I stated this was misleading advertising as I applied for the card at this time specifically for the promotion and if I was not approved then it should have declined me for the card completely. They said most customers arent worried about receiving the advertised promotion and are just happy they got the credit card. I escalated it as far as I could stating this was misleading advertising and bait and switch scenario where Ive now been essentially tricked into opening a new line of credit with them without receiving the adverse promotion that are subject to card approval. No where does it specify that you should could be declined for portions of the promotion and no where does it give you the option to decline opening the line of credit if you are not approved for the advertised promotions. The employee I spoke to told me that I could not escalate the matter further as we werent going to agree on it and that he understands how this could be misleading but said that he could do nothing for me.
Product: Credit reporting or other personal consumer reports

Year XXXX XXXXXXXX I called them to have them correct the reporting they said they couldnt do anything. I told them the representatives told when setup agreement that they would make any late payment report as on time. They said they couldnt do anything once the agreement was met.
Product: Mortgage

Short summary : Wells Fargo did not prepay my property tax for no reason when they willingly prepaid another customer 's property tax Details : My complaints are about Wells Fargo 's practice on customer 's mortgage escrow account. I sent an online message to Wells Fargo ( WF ) on XX/XX/XXXX to ask if they can prepay my property tax that is due in XX/XX/XXXX. This was after the tax reform bill was passed. The response I received said WF could n't honor my request because the escrow funds will be disbursed earlier than anticipated. Hence I prepaid the tax bill with my own funds. Later on XX/XX/XXXX when I was talking to a friend who also has a mortgage with WF, I found out that his property tax bill was prepaid by WF. He told me that WF was even willing to lend money to prepay the tax bill as there was not enough funds in the escrow account. I requested an explanation to WF but they have not provided me any so far. I have been nothing but a great customer. I have not had any complaint before, and my payments are always on time. Only reason I have had my mortgage with WF is because it was sold to them by the local lender that I originally obtained it from. WF should not be allowed to buy mortgage from other lenders without customers consent.
Product: Credit card or prepaid card

Navy Federal Credit Union allowed for a credit card to be opened in my name fraudulently. I have contacted Navy Federal Credit Union,  XXXX ,  XXXX , and   XXXX   and made them aware that this account was opened in my name fraudulently and I have not been assisted. I was the victim of identity theft and I have over the past several years had accounts opened in my name fraudulently using my correct personal information, and this account is one of them. I have written to Navy Federal Credit Union about this matter, but they continue to hold me liable for an account that was opened in my name fraudulently. I have received no assistance at all from NFCU in getting the account closed out of my name and off of my credit reports. When I have tried to call in about the accounts I have received no assistance at all. The partial account number is  XXXX   XXXX / XXXX /2017 credit limit {$24000.00} is what shows on my credit report. This is not my account and is fraudulent.