23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Citimortgage will not refinance or reduce our 9.5 % interest rate XXXX mortgage because of a " perfect storm '' of issues including ... .the date we purchased our home/took out loan, the fact that we are " upside down '' in our mortgage and the fact that we remain current on our loan. 

I have tried multiple times to get Citimortgage to refinance or reduce our interest rate to a more reasonable and current interest rate. They continually refuse citing the above reasons. 

We make our payments on time, but the payments go almost exclusively to pay the interest and we get no where on paying off the principal. 

I realize we are their " cash cow '' so they have no desire and do n't meet their " criteria '' to assist us, but the interest rate is grossly unfair and so far off the current rates.
Product: Money transfer, virtual currency, or money service

On XX/XX/2023 four separate transactions in the amount of {$1300.00} were made from my account through XXXX that were not authorized by me. I did not receive a notice of fraud or anything. The only reason this was discovered was because I went on my account to check my bank statement. 

I immediately reported the fraudulent charges to Bank of America on XX/XX/2023 and they stated they would look into it. In early XXXX, the {$1300.00} was credited back to my account. On XX/XX/2023 I received a notice in the mail that they were going to take the money out of my account again because they had decided that this activity was consistent with previous activity on my account, which was not true. I have never made a transaction through XXXX of more than {$100.00} and never to either of the two people that the XXXX transactions were sent to. I called Bank of America to again dispute the charges and they reopened the case for reconsideration and said they would make a decision within 2-30 business days. I called on XX/XX/2023, XX/XX/2023 and XX/XX/2023 and spoke to representatives with B of A. I called again on XX/XX/2023 and still no resolution. 

Bank of America then claimed that a text message was received by me on XX/XX/2023 confirming the XXXX transactions. I submitted my phone/text records that showed I did not receive a text on that date regarding that transaction. In fact, I didn't receive a text from anyone on that date. They then moved the goalposts again and stated that it was consistent with previous activity. 

I, again, disputed the charges and stated that it is not consistent with previous activity. They can not prove how they are coming up with this information and I have shown them that it is not consistent. 

I am a XXXX XXXX XXXX XXXX XXXX that had {$1300.00} stolen through XXXX with Bank of America and they are refusing to return the money. There was a known XXXX issue in XXXX- as seen in numerous news articles at that time. Bank of America has not been responsive - I have reached out to them every time. They have never reached out to me to try to resolve this issue.
Product: Debt collection

I have sent letter of debt validation on XXXX. No response was given.

I have sent multiple request to the credit bureaus for the past 1 year to validate the debt and they have not presented any proof. I am also submitting a complaint on all 3 bureaus as well. 


Dates Submitted : XXXX XXXX XXXX Nothing has been done about this. 

I haven sent another one today XXXX notifying them of the complaint.
Product: Credit card or prepaid card

I applied for credit on XX/XX/2023 and was rejected because one of my credit reports was locked so they defaulted to a credit card company ( XXXX XXXX XXXX XXXX XXXX that charges an annual fee, but they did not tell me about the fee when I signed the credit application. I had to cancel the purchase due to medical reasons and when I did they made it sound like the credit account was also cancelled when I cancelled the purchase. That did not happen! 

Just recently I received a letter from the credit company stating there is a {$59.00} annual fee so I called the credit company and closed the account. 

XXXX & XXXX was not upfront about the annual fee. If they had been, I would not have signed the credit application.
Product: Mortgage

On XX/XX/XXXX, I submitted a complaint to the CFPB against JP Morgan Chase Bank. JP Morgan Chase Bank agreed to reimburse me for the vacant property fees only! I spoke to Mrs. XXXX XXXX ( phonetic ) of Chase Home Executive Branch on or about XX/XX/XXXX. They REFUSE to reimburse me for the paid back taxes even though they were/are required to do so and they refuse to reimburse me for the court appearances and parking that I had to pay out of my pocket because Chase neglected the property and allowed it to become blighted. Chase only agreed to reimburse me {$2000.00} upon receipt of a signed release and settlement agreement. I received the release and settlement agreement and the XXXX form on or about XX/XX/XXXX. I signed and had the document notarized as they requested and I completed XXXX form and Chase Bank received the documents on XX/XX/XXXX via express mail. Chase Bank DID NOT send me the check or call me as MRs. XXXX stated on the phone. There was a message stating that the calls with Chase Bank was recorded, please have Mrs. XXXX provide the CFPB with a copy of the taped telephone conversation. I can not force Chase Bank to do the right thing and reimburse me for the back taxes that they intentionally neglected to pay and my expenses for going court, parking and the city of XXXX with regards to the vacant property fees. Chase Bank/Chase Home Finance intentionally drove me into bankruptcy and only you ( CFPB ) can order them to reimburse me because they know and are fully aware that they owe me the money after I clearly showed what they did to me. I am requesting the CFPB immediate assistance.I am still requesting full reimbursement for the taxes paid to the property, even though Chase Bank ALLEGES that they released the lien to the property on or about XX/XX/XXXX, I did not receive notification until on or about XX/XX/XXXX. This still DOES NOT absolve Chase Bank from paying the taxes that they were legally responsible for paying. I should be reimburse for the taxes that I paid up until Chase Bank/Chase Home Finance was legally REQUIRED to do so.I am requesting that the CFPB Order Chase Bank to reimburse me for the vacant property fees and the taxes I paid on property when Chase Bank was legally responsible & required to do so. More importantly, please have JP Morgan Chase Bank explain why I have not received my check or even a telephone call as Mrs. XXXX stated they would do. They received the requested documents on XX/XX/XXXX via express mail. What's their excuse now? J.P Morgan Chase and it's subsidiaries, XXXX XXXX XXXX XXXX and XXXX, recently admitted their guilt in rigging delinquent property tax liens in 33 states. This may explain why they failed to pay the taxes on XXXX XXXX XXXX XXXX in XXXX, Nj because they were using their subsidiaries to purchase the tax lien and make huge profits once the property sold. They know that they are not going to be prosecuted for harming the citizens, but wait until they and the people who are protecting them stand before XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had late payments on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX Balance : {$8900.00}
Product: Credit reporting or other personal consumer reports

Experian-has been investigating several disputes formally submitted as of XX/XX/year> without resolution to most, company charges XXXX monthly but over XXXX  account with multiple charges. 

Equifax reports has not been able to access or update as of XX/XX/year>. No results status of disputes
Product: Money transfer, virtual currency, or money service

I sent money to someone on cash app it took the money from my cash app went to send it but put the money on hold and had it pending for 5 days couldnt talk to anyone until Monday morning they said they would cancel the funds and put them back they canceled it but never put the funds back in my account talked to someone again they got very disrespectful told me they didnt see the transaction told me no money was taken when it was cause I have screens shoots of everything
Product: Mortgage

We have contacted the lender several times to refinance this balloon mortgage. We have never made a late payment. The interest rate is over 12 % and unreasonable. This is a XXXX mortgage, without help from the Lender, we have no chance of paying off the loan or keeping our home. 

We have been denied help from anyone at the company and told not their problem.
Product: Debt collection

SYNCB/Home Design is engaging and identity theft by unlawfully sharing my nonpublic personal information with third parties without my consent.
Product: Credit reporting or other personal consumer reports

This XXXX XXXX Account XXXX was not properly verified according to 15 U.S.C 1681i ( a ) ( 6 ) ( B ) ( iii ), which is violation of my consumer rights and the FCRA. I have uploaded another COMPLAINT, and a copy of my inaccurate Transunion credit report highlighting the account. This account is also not in compliance with IRS regulations 1099-C ( CANCELATION of DEBT ) FORM.
Product: Credit card or prepaid card

I had a promotional offer that expired on XX/XX/2023 which was only used for my daughter braces. I contacted them on XX/XX/2023 to pay off the original balance of about {$1600.00}. I can not afford to pay estimate {$1900.00} in interest. at a rate of 29.9 %. 
ACCOUNT # XXXX. 
Synchrony /Care credit Thank you.
Product: Bank account or service

I have documentation that shows that US Bank would not charge a Returned Item Fee nor an Overdraft Fee on my account ( Number XXXX ). When a withdrawal or other debit came in and there were non-sufficient funds, the payment was returned, without charging any fees, unless the resulting overdraft amount was negligible ( This occurred seven times between XX/XX/XXXX and XX/XX/XXXX on the old account as shown by notices received in the mail attached herein ). 
On XX/XX/XXXX, I opened a new account at US Bank ( XXXX XXXX ). On XX/XX/XXXX, an overdraft fee was charged, and a few days later two other payments were returned, one other was returned and more fees were added. The Bank has failed to provide satisfactorily explanation of this change in policy. At the time of opening the new account, I was not given any notice or warning that new rules would apply. The Bank keeps adding extended overdraft fees. 
In my perception, the bank should have not honored any payments that were underfunded nor charged any fees for overdraft nor returned items because US Bank created a reasonable expectation through consistent behavior upon which reliance was reasonable. The Bank should bring the account to XXXX balance at its own expense. Further, the bank should refrain form a threatened charge off or any other report that will harm my credit history.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. 

XXXX Account Number : XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is an identity theft victim. His information was used without his consent to apply for credit cards and communication accounts ; these applications resulted in fraudulent inquiries that are now listed on his credit reports. After efforts were made to notify official each of the account providers of the fraudulent applications the account providers still list the fraudulent information on the credit reports despite the issue being related to identity theft. One of the bank already provided a clearance letter confirming the issue was fraudulent and confirming they would remove the data however the information is still being reported to the XXXX credit report ; this is a violation of FCRA.
Product: Debt collection

Winn Law group placed a levy on our bank account, returned the money when they found it was n't us but have not responded to our many attempts to get all the incurred fee 's ( {$300.00} ) - when we contacted BBB they said to have us call them - they never answer or return calls. after looking into them- there are several complaints about this company yet they 're still in business.. Somebody can just drain your funds, and have no recourse for their error is unbelievable?
Product: Checking or savings account

On XXXX 2017 i received in mail at my mothers address banking check information of account through TD bank i did not open an account onlune wuth TD Bank received checks also linked to this account, i called them immediately out of concern and was advised the account would be closed if i did not open the account, i was transferred tp a fraud department whom advised me this would be taken care of no monies were put in the account but i advised them the person still have my social security number and name to use my information to open online i was advised they would send me something in writing i have not heard anything other than continue to receive statements about this account i am getting very frustrated because of this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters twice in two months via priority mail in regards to these accounts on my consumer report, my efforts are continuously ignored.

Also, as a part of this complaint, I would like to include that between XX/XX/2022 and XX/XX/2022 credit reporting agency XXXX has been constantly removing and re-inserting an account from XXXXXXXX XXXX on and off my consumer report. In my previous complaint of the company response from XXXX, it clearly states XXXX XXXX has been deleted from this credit file. 

Per fcra guidelines, the consumer reporting agencies must notify me within 5 days of any reinsertion. 

XXXX, I never received any written or notification statement from you all advising me that you are re-inserting this account which means you have violated my rights and I am demanding that you remove it off my credit report now because you all did not follow proper guidelines. Also, I need for you all to provide me with every piece of information on how you came up to this assumption that this account should be reporting on my consumer report.
Product: Credit reporting or other personal consumer reports

Please take a look at the attached letters and ID docs for verification that it is XXXX XXXX XXXX filling this complaint. The stuff on my credit report is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been on the matching payment plan with the XXXX XXXX XXXX company also know as XXXX XXXX and have been paying the amount of {$80.00} for over a year and they matched me in XXXX and reported me as being XXXX days late now they did the same thing on XXXX XXXX reported me as being late on experian. When in fact my account is not late I have been paying as agreed and everytime I call their customer service department you get the run around, I explain to several reps this is damaging my credit report with experian. I need this incorrect reporting to stop.
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelless handling of disputes, particularly in the light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transaction was unfeasible. The CFPBs 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: Credit card or prepaid card

I have contacted Capital One and I am having issues making and getting credit for payments. On XXXX occasions Capital One has stated that my payment did not go through when in fact I have read my baking information XXXX times. My bank had indicated that my payment did go through last month, which is the month of XXXX. 
I recently contacted customer service and tried to make a payment with my XXXX card. 
Customer service is providing me with a hard time trying to take my payment and will not wave late fees due to their error that I would need to speak with a supervisor. 
I have to waited hours on end to speak with a supervisor with the reason being that both hurricane XXXX and XXXX has impacted Capital One 's business. 
If this is the case, then my late charges should be waved, if Capital one is making errors due to this impact, and is short staffed.
Product: Debt collection

Account receivable is account set up by girl I dated an she used my social because she said she didnt have the deposit this was after the fact!!! XXXX XXXX XXXX said it was a mistake if I would dispute it they would fix it an take care of it as son as they got it!!! XXXX XXXX sails I owe them XXXX something dollars am they never bought the loan from approved auto so therefore they have no reason to be on my credit report at all long story short I been working hard to try have some credit to have something an the only loan I have has been in good standing on time every month an it doesnt even show on there for most part. XXXX XXXX hit my credit 9 times in less 2 month on debt XXXX dollars that was a XXXX XXXX XXXXlaim so therefore please please I have done the footwork of call after call over this because this is my life. I expect someone to fix my credit give back my points that belong to me so I can live my life
Product: Credit reporting, credit repair services, or other personal consumer reports

I am rewriting to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to provide proof of reinvestigation in response to my dispute. On XX/XX/2023, I submitted a dispute to your company regarding XXXX XXXX  with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX, XXXX XXXX with account number XXXX and XXXX XXXX with account number XXXX. As part of my dispute, I requested that you reinvestigate the information and provide me with proof of the reinvestigation, as required by the Fair Credit Reporting Act ( FCRA ). However, despite multiple requests for proof of reinvestigation, I have yet to receive any documentation from your company showing that you have completed a reinvestigation of the disputed information. This failure to provide proof of reinvestigation is a violation of my rights under the FCRA and has caused me significant harm and financial loss. I am requesting that you immediately provide me with proof of reinvestigation for the disputed information, as required by law. Additionally, I request that you remove any inaccurate or incomplete information from my credit report and take any other necessary steps to ensure that my credit report is accurate and complete. If I do not receive a satisfactory response to this complaint, I will be forced to pursue legal action to protect my rights under the FCRA. Thank you for your attention to this matter. Attached here is the Identity Theft report filled.
Product: Student loan

I took a student loan in 1998 for $ XXXX, stayed on time and made Ibr payments for 26 years, loan was transfered from XXXX to Mohela a couple months ago and they aren't counting any of my payments, I should qualify for forgiveness, and they show only {$120.00} of the total owed is interest, but says I owe $ XXXX, that is $ XXXX in interest, and say I've made zero payments. Customer service says I should consolidate online and that I don't qualify for ibr repayments.
Product: Credit card

I received a credit alert on my credit notifying me XX/XX/. I logged in to all three credit bureaus and saw that Capital One is reporting a credit card in the amount of {$19000.00} on XX/XX/XXXX  on my credit report. I got Capital One 's contact number and called them to let them know I never gave them at capital one company permission to report a credit card on my personal credit. They never had my permission to do so. They said i can make a complaint. I told them to remove it from my personal credit immediately and get it removed from all three credit bureaus ( XXXX, XXXX and XXXX ). They told me to call your company CFPB to make a complaint.
Product: Debt collection

This is XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. The 3 Credit Bureaus are reporting inaccurate information on XXXX ( Original Creditor : 10 XXXX XXXX XXXX XXXX ). Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Checking or savings account

I have contacted Whitney Bank about the error they have in their system after Whitney Bank made threats to me in regards to charging my account for a check they may not have been cleared from the official creditor. I deposited a check into my account and the statement came back as if the deposit was initiated from Whitney Bank. The error was on their system because there is nothing wrong with the device that was used to deposit this check because I use the mobile check deposit frequent. I have never had this issue before with mobile deposits. Whitney Bank completely ignored the issue. They could not provide the correct copy of the initial deposit of the check. They couldn't apologize for the threats they made and falsified this entire interaction. The check deposit was originally issued from another MAJOR Financial Institution, Therefore I should have never received email threats from Whitney Bank to apply charges to my personal account because the check may not have cleared. They should have just been honest and said they didn't have the amount of funds to cash the check. The letters clearly show my name was not spelled correctly.
Product: Checking or savings account

My account continues to stay in the negative. I deposited money into my account over a year ago and some was taken out for a past account without my knowledge