23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We went through the whole process and I got the final approval. However, in the final paperwork I found out that my fees increased by {$2600.00}, and there was no notice or communication from my loan officer. When I finally got hold on my mortgage officer ( on the day I was supposed to sign ), she explained that the change is due to the fact that my property is formally considered a condo, not a townhouse - and it 's my fault that I did not know the difference and mislead them. 
In my case, the lender knew that this was a condo from the appraisal report that came 20 days ago. 
Looking back, I realized that the lender never gave me the actual rate lock document, just the itemized fee worksheet.
Product: Credit reporting or other personal consumer reports

I send dispute letters to XXXX XXXX XXXX to dispute on my credit report not able to workmate get other credit to live they mess up by life
Product: Checking or savings account

I disputed about 13 transactions on my account dating from XX/XX/XXXX through XX/XX/XXXX. For the total amount of {$5100.00}. The reason why i was disputing these charges is because the merchant failed to provide expected services, Services not rendered and inadequate customer service to resolve any issues. I had initially filed my complaint back on XX/XX/XXXX. I had filed a dispute for all those charges. I was told to wait 7 /10 business days. I waited 10 and called and they stated that they were filed wrong and was filed as unauthorized transactions. They stated the merchant proved the transaction was authorized and my dispute was dismissed. I was angry that they did not file the paperwork properly. So I I filed a new dispute and made it clear t them it was for the services and had to wait another 10days. It had seemed that every person who i spoke to during this whole ordeal that i asked names of and phone numbers all had a different story to tell but nobody had the information correct. After almost a month of filing paperwork they are still not providing me with sufficient evidence in regards to my dispute. So after waiting another 10 Days for the outcome of the dispute is was dismissed again. I had asked why and they stated that the merchant provided evidence that the transactions were authorized. I stated again that my dispute was not for unauthorized transactions and my dispute was for unsatisfactory services etc. I spoke to several customer service reps and told them that my dispute is for services and not unauthorized transactions. The last person who I spoke to her name was XXXX and she stated that they handle both types of disputes the same way. I asked her how can they dispute unauthorized transactions and services the same. She could not provide a good enough reason other then my case was dismissed. I asked her why my case is dismissed when Citizens bank failed to dispute the charges properly. I am not disputing these charges for unauthorized but am disputing for services rendered.
Product: Money transfer, virtual currency, or money service

I was shopping on XXXX on XXXX XXXX and came across this XXXX XXXX bag. in the description advertising a XXXX XXXX XXXX XXXX it states, " 100 % authentic. Smoke and pet free home. DO NOT PURCHASE WITHOUT KNOWING FULL DETAILS. Amazing bag, amazing Condition! Same day shipping. Txt for more info XXXX. '' So I reached out to the perpetrator, regarding the bag. I made an offer for {$670.00}. She accepted. I sent her my fund by way of XXXX through Bank of America. I provided her my address. My bag never came. I contacted her and never received a response. However, she would post the same bag and message on XXXX. When my bag did not arrive Saturday, I called my bank XXXX XXXX and notified them. I then filed a police report on XX/XX/XXXX. I received correspondence today XX/XX/XXXX from my bank stating they denied my claim. I would also like to mention that the perpetrator created different usernames daily. In my pictures below you will notice 2 different usernames, but they both are the same person. I am to track this person down by being very specific in my searches. In XXXX  I will search the phone number ( XXXX ) OR I will search " DO NOT PURCHASE WITHOUT KNOWING FULL DETAILS ''
Product: Checking or savings account

I and my husband each opened a 6-9 month CD on XXXX XXXX, 2017at an HSBC branch bank located at XXXX XXXX XXXX, XXXX XXXX, NY XXXX as part of a promotion. We also opened a checking account and applied for charge cards. Everything went as it was expected to. We presented the teller with our check and received the appropriate paper work for each of the XXXX CD 's, the checking account was opened and the information for the charge cards processed. The checks were cashed. A couple of days later, we were told the bank was closing our accounts and would be mailing back checks in the amounts we deposited. The bank teller ( XXXX XXXX ) read an email which made no sense and would not elaborate on it. Her manager ( XXXX XXXX ) gave no further information but said that the bank had a right to close an account and they did not have to give a reason. My husband called the customer service number, spoke with someone named XXXX who refused to give him any information including any identifying information such as a tag number to further identify her. As we both were DEPOSITING money, have good credit to the best of our knowledge and have never had a problem depositing money or opening accounts, I believe I should be given an explanation. If it is fraud or some other reason, I would like to know it so it will not occur again.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint to all three consumer reporting agencies asking them to validate an account I was not familiar with on my consumer report, XXXX XXXX XXXX XXXX XXXX and XXXX removed this account from my consumer report, Equifax still verifies the account as accurate. I did not ask Equifax to verify this account, I ask them to validate this account. Equifax has not validated this account, and Equifax can't validate this account because this account is a result of fraud. I have submitted a complaint to the identitytheft.gov and I have submitted proper identification to all three consumer reporting agencies. I have attached a copy of this identity theft affidavit to this complaint. According to 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Also 5 U.S. Code 1681s2 ( B ) Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct.
Product: Credit card

I still can't get support from Synchrony. Synchrony doesn't offer to reply to my complaint. I have emailed them numerous times, they refuse to reply. They are not replying to CFPB either.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.
Product: Credit reporting

On XXXX XXXX of 2015 I requested my Equifax credit file frozen. My Confirmation # was XXXX. I was told I would get a PIN # in the mail, but it never came. Without the PIN I had it temporarily unfrozen in XXXX for 10 days for XXXX Bank to look at my Credit without a PIN. I had a score of XXXX. I am looking to refinance a mortgage now, but without the PIN I can not go online to temporarily unfreeze my records. I have tried repeatedly to call Equifax , but I can not speak to a real person and could not get help online either. 
Please contact me by phone/text, email or mail to get my credit records temporarily unfrozen.
Product: Credit card or prepaid card

I am writing to you about a serious issue regarding Bank of America. My wife and I have been dealing with ongoing attacks by Bank of America : For the past year ( since XX/XX/XXXX ) Bank of America has frozen our accounts multiple times with absolutely no prior notice. We find out our card being denied when we are shopping. When we call in, they transfer us multiple times until someone asks us information about our residence, our jobs, and our citizenship. We do not hold dual citizenship. When they ask what is our nationality, of course we identify as XXXX, with our sole citizenship with U.S. ( meaning ethnically we identify as XXXX ) On Thursday XX/XX/XXXX they closed our credit cards with no notice. We called and went into the branch several times and they said they can't provide any information and the only thing they told us is that we are a 'High Risk ' customer ( we have perfect credit scores and have never missed a payment ). Then they proceeded to close our checking, savings [ with no notice in mail until we called in and asked them to send us a written notice! ]. Merrill Edge, a Bank of America company, also closed our Cash Management Account, and our Roth IRA.  Merrill Edge gave us a 1-day notice via a letter before closing our account. We have been bank-less for a few days now, and regardless this has caused a lot of frustrations. 

Can you please assist us in seeing what next steps there are regarding this matter? 

Thank you in advance,
Product: Money transfer, virtual currency, or money service

PayPal credit was not willing to work with me during this pandemic. When they called I was offered no cares act support. My income has decreased significantly directly from the pandemic. I was told I had to pay over {$600.00} to bring my account current. I dont have that now. I just saw they closed my account as well. How can you charge {$150.00} in interest when I dont have the resources to pay. This is ridiculous
Product: Mortgage

I applied online to Consumer RealEstate Financial Co I was instantly prespproved for a {$15000.00} loan I found a home sent all necessary paperwork this company had me send paperwork more than 3 times I had to pay {$570.00} for an appraisal that they picked and had to take a class which I paid {$75.00} they said if I took the class I would get a better interest rate all this went on for months by the end of the 3 month they said I would have to pay my car and a credit card off my realestate agent also had trouble getting someone to call them back about certain questions at the end of the third month the seller was ready to put house back on the market because this fianc was still slacking on the loan my realestate agent told me to submit everything to a local fianc company I did so and closed within 10 days for a fixed lower rate that the other company was gon na do those 3 months were a nightmare I feel that I should be reimbursed the monies for the appraisal ( which the fianc company I was approved ) could not use and reimbursed for the class I had to take. I appreciate help getting my money back XXXX
Product: Debt collection

Around XXXX of XXXX I became aware of repeated charges ( as many as twice a day, in some instances ) from music and arts, I notified my financial institution of these fraudulent charges, which resulted in having my account number changed. I informed music and arts by phone of these fraudulent charges, and when I began receiving invoices by mail I would also write back telling them that this debt does not belong to me that this is not my account. 
XXXX XXXX XXXX XXXX I received a collection notice from kinum ref # XXXX for {$150.00} XXXX
Product: Checking or savings account

On XX/XX/2021 and XX/XX/2021 the IRS deposited my Child Tax Stimulus Credit of {$250.00} into my WELLS FARGO checking account. At the time of the deposit I was told my account was my account was in negative status. My bank statements from these dates do not reflect negative status. Additionally I was in between Unemployment and Social Security direct deposits during both months. 

WELLS FARGO, without my request or permission refunded the negative balance that included overdraft fees for over XXXX total for both months. I had no idea this action was taken and more importantly did not ask for any refund to be credited to my account. In retrospect I would have preferred the account remain in negative status because in XX/XX/2021 and XX/XX/2021 I was receiving bimonthly unemployment compensation benefits. 

In XX/XX/2021 I was informed that my bank account would be charged over {$1000.00} for the month of XX/XX/2021 to allow me to use the monthly child tax credit of $ XXXX for XXXX and XX/XX/2021. I was told that the credits were issued automatically to allow families access to the child tax credit. 

The XX/XX/2021 action has left me without any money to pay for food, electricity or water for my child. The reversal of non requested fees or credits resulted in a {$1000.00} loss, my entire Social Security income deposited on XXXX XX/XX/2021. I have explained my situation to WELLS FARGO. I was told by WELLS FARGO management that there is nothing they can do to help me.
Product: Mortgage

This is a continuation on item XXXX which was closed by cfpb without addressing the complaint about allowing payments to cover the mortgage. Umpqua Bank is servicing the escrow first and not allowing the mortgage to be paid.
Product: Credit card or prepaid card

On XX/XX/2022, a fraudster made three purchases through my XXXX accounts using my CitiBank card for two digital gift cards valued at {$200.00} in total, as well as a capture card valued at {$420.00} on XXXX through a second CitiBank card on which I am an authorized user. Both the gift cards and graphics card were delivered to individuals in XXXX, Florida, yet I live in North Carolina- this confirms that I did not make these purchases. 

I reached out to CitiBank to dispute these charges as fraudulent charges. While they first reversed the charges, they eventually reversed their initial credit and claimed that the initial dispute that I filed mismatched my explanations and had conflicting statements ( this was due to their software not having " fraudulent charge '' or " fraud '' as a possible selection option when making a CitiBank claim ). 

Citibank proceeded to claim " I indicated that [ I ] accept responsibility for this charge '' - I never did, since they were not mine. As a result, they closed the dispute and ruled against me, forcing me to pay for these items without an explanation. After calling the bank, a customer support agent told me I had waived my right to dispute these charges.
Product: Student loan

I am an IL XXXX XXXX of 21  years, with a student loan that I believe was consolidated by Navient, My loan is through Navient, that's who I make payments to monthly. I XXXX in an underprivileged XXXX XXXX XXXX. XXXX XXXX XXXX in XXXX, IL  ( 7  years as of XX/XX/2020 ). Navient is fraudulent because they offer XXXX  forgiveness and then they reject XXXX  applications. I met all the criteria to receive XXXX  forgiveness. As I mentioned, I XXXX  in an underprivileged XXXX XXXX XXXX that is 100 % free lunch for all students. I am also a specialized XXXX  certified in XXXX XXXX. That is also the criteria to qualify for XXXX  loan forgiveness. I have applied several different times with my district HR Administration signatures and sent the application to Navient and I waited for months only to get rejected. XXXX  loan forgiveness states that it will forgive alone when it's {$17000.00} or less or up to {$17000.00}. They make it impossible once you apply to ever get loan forgiveness, it is fraud. Advertising XXXX  loan forgiveness and then making it impossible to receive it. My loan is just a little bit over {$15000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

See attached!! Despite my

previous 2 written requests, the unverified items listed below remain on my credit report in violation of Federal Law. You stated in your responses to my 2 previous dispute letters to you that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of the documents that you used to verify the disputed accounts is evidence that you can not, and did not verify any of the disputed accounts as you stated in writing that you did. Your failure to delete the disputed accounts that you can not verify after two written requests is also evidence of your willful disregard of Federal Law. When we go to litigation, through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you dont have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and the Court will order you to delete them. I have thoroughly reviewed the Metro 2 Credit Reporting Guidelines, and it is evident that the aforementioned items do not adhere to these guidelines. As such, I request that you investigate these inaccuracies and take immediate action to delete them from my credit file.
Product: Credit card or prepaid card

I received a letter from JPMorgan Chase bank in the mail on the XXXX of XXXX, 2020, stating that I changed my address. It also disclosed that I had opened two cards with them, a credit and debit card. The address change was to somewhere in Arizona, and after calling Chase Bank 's customer service, they disclosed the full new fraudulent address. After looking this address up in XXXX, it took me to a house in XXXX, Arizona. This is not my address, and I have never opened an account with Chase Bank.
Product: Credit card

Chime closed my account out of no where so when I contacted them they told me send proof it was me so I did several times then was told check works be mailed its been over 99 days still no check
Product: Money transfer, virtual currency, or money service

Paided using paypal was told my payment was invalid by the merchant and had to use my credit card to complete the transaction paypal refused to refund me my money even after i send proof showing i was forced to pay with my credit card and the merchant agreed to refund me i am still waiting on my refund and paypal denied my case two times
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX XXXX and I am submitting this complaint myself and there is no third party involved. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below is the inquiry that is reporting on my Credit Report : XXXX XXXX XXXX XXXX-Date of Inquiry XX/XX/2020
Product: Debt collection

I am not sure how they received my work telephone number  but Navient has now called me 3 times on our main business telephone number at my employer. They  were told that I did not want them to call me at work but they continued to call.
Product: Credit reporting, credit repair services, or other personal consumer reports

TRANSUNION is posting inaccurate information on my consumer report which is causing harm to my personal life. TRANSUNION is furnishing a consumer report that claims I have a Student Loan account ending in XXXX from " Dept of ED/XXXX '' that is " 120 days past due '' yet it also claims to have a balance of {$0.00}. This information is from an account that was opened over 12 years ago, in XX/XX/2011. This report is inaccurate and needs to be removed from all consumer reports regarding my person furnished by TRANSUNION. I have tried disputing with the company through XXXX and had no success. I have also already filed a complaint here with the CFPB and yet TRANSUNION continues to violate my rights as a consumer by publishing my personal information against my consent. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Reporting this transaction is resulting in TRANSUNION violating my federally protected consumer rights. To add to this, I did NOT give TRANSUNION written instruction/permission to furnish these inaccurate accounts on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that TRANSUNION has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination. These accounts need to be completely removed from all reports. I am not asking for TRANSUNION to conduct a fraudulent investigation to verify any account. I am telling TRANSUNION that they do not have my consent to publish this information on my personal credit report. Further use of this information will directly result in TRANSUNION committing Identity theft against me and will be punishable by law. Even here on the CFPB website it clearly states that " Stealing your identity could mean using personal information without your permission ''.

Clearly TRANSUNION is in violation of the law.