23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have been trying since XX/XX/XXXX to obtain a loan modification. We were denied the first time ; however, my income further declined in XX/XX/XXXXso i submitted a new request XX/XX/XXXX and finally have rec 'd notice We have had to borrow money to make the mortgage payments in the shortfall months where no rents come in - we can not be delinquent, as that will impact our ability to get student loans for our children in/going to college. the only option they give us is a short sale which tax consequences are going to cost us upwards {$75000.00} - {$100000.00} I do not understand how there was a period of time where many folks just stopped paying their mortgage and could wash their hands of all the debt deficiency but we have tried desperately to be good stewards. The only thing that seems to be acceptable is to stop paying the mortgage so we can meet the " delinquency requirement '' what is it??
Product: Credit reporting

I have paid my intouch account credit card balance of XXXX {$.00} however the credit report XXXX still shows as balance XXXX {$.00} request to help me in clearing this from the reports as it impacts my credit score even though I paid my balance
Product: Credit card

On XXXX/XXXX/2016, I requested a credit limit increase with HHgregg/ Synchrony bank. I spoke with a representative who never informed me by requesting a credit limit increase this would count as a hard- pull on my credit file. Currently I 'm enrolled with FICO credit alert and on XXXX I was alerted to an Hard Inquiry on my credit report, upon further investigation I noticed it was from Synchrony Bank. I called Synchrony bank and spoke with several agents who advised me anytime you request a credit limit increase this is counted as a hard pull on your credit report. I explained to several of the reps I was never given this options when I spoke with the rep who processed my request for a credit limit increase, I then asked were all the calls recorded and was told yes they are. I spoke with the fraud department and spoke with XXXX who advised me they would have o fill out paperwork to have this hard inquiry removed but he would need to transfer me to Customer service???? So I spoke with a rep from customer service who had no Idea what paperwork the prev rep was talking about, I asked for a supervisor and spoke with " XXXX '' from Customer Account Services I explained to her the issues and wanted to have the call reviewed the day I spoke rep on XXXX pertaining to credit Increase just to prove to her I was never advised this would be a hard-pull on my credit file. XXXX advised she was unable to assist me and she would trans me to a XXXX rep. I disconnected the call out of frustration and decided to file a complaint against Synchrony Bank to have this Hard Inquiry removed from my credit file.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. All types of credit cards and loans were applied for in my name without my knowledge. I talked to the credit bureau companies, they told me I needed to file a police report. I want these accounts removed off my credit. I listed the accounts that needs to be removed since I did not apply for these accounts. 
EXPERIAN XXXX. XXXX XXXX XXXX account # XXXX. Fraudulently opened on XX/XX/year> ( Identity Theft ).
Product: Checking or savings account

I opened a checking account with TD Bank in 2020 when they offered a promotion. I deposited {$100.00} as the promotion required. But, then the pandemic occurred and I wasn't able to get service from TD Bank. Each time I called, I was on hold endlessly without anybody picking up. The branches were closed during the pandemic, but the drive thru was open. Since I couldn't reach a service rep, I decided this account wasn't worth the hassle and went thru the drive thru and told them I wanted to close the account and I wanted my {$100.00} back. The teller person said they would close the account and refunded my {$100.00}. I never got to use the account but TD Bank then began charging me fees because the {$100.00} was no longer in the account. 
I have tried to resolve this issue with TD Bank several times but now they give me a recovery company who is trying to recover fees for a checking account I couldn't get service on, never used, and closed, however, they didn't close the account so they could charge me fees. I am not paying for something I didn't get and they were negligent and did not close the account when told to.
Product: Credit reporting or other personal consumer reports

XXXX XXXX who provides online, short term loans through their sister company XXXX XXXX continues to falsely report a balance due on an old account. Further, the balance continues to grow even though the account was marked as charge off. I have disputed this account numerous times over the years via the credit bureaus dispute centers. Each time, XXXX failed to properly validate the debt directly with me and overall failed to adequately respond to the disputes time and time again. However, XXXX continues to update the credit bureaus stating the data reported is correct and they continue to report a growing balance on a closed account. An account can not be closed/charged off and continue to grow in balance and report to credit bureaus as if it were an active and open loan. Per FDCPA and FCRA regulations, XXXX have failed to properly respond to disputes and failed to properly and timely validate an allegedly owed debt. Per regulations, the debt must be marked as unenforceable and uncollectible, furthermore any and all collection efforts or attempts must end immediately and the account and data must be removed from the credit bureaus. Failure to not complete these steps is in violation of Federal guidelines. I request that XXXX promptly remove the falsely and unverified data from my credit reports, mark the account within their system as unendurable and uncollectible, and immediately end any/all collection efforts that may be in place. Failure to do so could be construed as fraudulent activity and/or harassment.
Product: Mortgage

Received an offer for a {$200000.00} HELOC from Bank of America through XXXX XXXX : Terms of Offer ( received XX/XX/XXXX ) _______________________ Congratulations You chose to work with XXXX XXXX XXXXcertified successrate Bank Of America ( XXXX ) XXXX XXXX Download VCard. 


Equity {$0.00} Term 30 Rate 4.08 % Fees {$0.00} Rate Type Adjustable Amortization Yes Notes There are zero fees, zero closing costs ( APR is same as note rate ), zero maintenance fees, and zero pre payment penalties. 
_______________________ On XX/XX/XXXX, I spoke with XXXX XXXX - he confirmed all of the above terms, and made no mention of any draw requirements.. Based on my reliance on the offer and his confirmation, I authorized a credit check and gave my SSN. 

My next contact was with XXXX (? ) XXXX on XX/XX/XXXX, the loan processor at XXXX XXXX She stated different terms for the loan - contingent prepayment penalties if the line was closed within 36 months and a requirement for a {$100000.00} draw at closing. My FICO is over 800 so the credit check could not have been the cause of a change in credit terms. 

Based on these completely different terms and the fact that they appeared to have performed a " bait and switch '' to get me to authorize a credit check. I stated that I would not proceed with the loan process, and I wanted to file a complaint. No one has followed up to address my concerns.
Product: Checking or savings account

Hello when I had a Wells Fargo account I was hit with a lot of fees and when I tried to Het some of them dismissed Wells Fargo was not accommodating I ended up leaving and going to chase. Ive since found out about the class action lawsuit and believe Im eligible to be reimbursed some of these fees.
Product: Credit card or prepaid card

I have previously been through two fraud investigations with Citicard and submitted a CFPB complaint in regards to a Citicard credit card, which the company responded they do not believe was fraudulently opened. 

However they have not responded to my claim that the $ 8000+ shopping spree in XXXX of XXXX was fraudulent spending on the card, so I am submitting this complaint to address that specifically. 

I have been living in XXXX since XXXX of XXXX and have not left the state since I moved here. I have already provided Citicard documentation to show this during the investigation they conducted into the credit card account. In XXXX of XXXX when the credit card was used in XXXX XXXX, I was in XXXX. The credit card was used fraudulently without my knowledge, and I only became aware of it after the fact when I received a text message about an unusual spending pattern from Citicard.
Product: Checking or savings account

I made a cash deposit of {$250.00} ( 2 {$100.00} bills and 1 {$50.00} bill ) and the ATM took my money but did not credit it to my account. It gave me a receipt citing an ATM error and asked me to call a 855 number. I called immediately and was told the funds would be in my account after the holiday, on Friday XX/XX/XXXX. It is now XX/XX/XXXX and the funds are still not in my account. I had to make another {$200.00} deposit to cover some of the transactions and avoid overdrafts but over the following weekend, a lot of transactions hit and overdrew the account, since they did not deposit the {$250.00}. I spoke to XXXX at the XXXX Branch, XXXX Branch Manager at the XXXX branch and they refused to give me a provisional credit on my account. The funds are still not there, and the practice that this bank has of taking funds and refusing to give provisional credits while they investigate THEIR own ATMs is the worst disservice to their customers. What if I did n't have any money for food, gas, etc.? The bank is putting people in very precarious situations and it is unacceptable!
Product: Mortgage

XX/XX/2021, the application was submitted to wells Fargo bank, which hold my mortgage for many years. I own this house for 27 years. the application was denied. I was told by a home mortgage consultant that it was denied due to my tax return, the other consultant told me that they take off 30 points from my credit score. then I received a letter that states that : 1. Time since most recent account opening is too short 2. number of banks or national revolving accounts with balances 3. too many accounts with balances 4. Too many accounts recently opened
Product: Credit reporting or other personal consumer reports

I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data.Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX as evidence supporting my identity theft claim. As per 15 U.S.C. 1681e-2, upon submission of an identity theft report by a consumer, credit reporting agencies obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for vour reference. Mv credit report contains fraudulent ACCOUNTS and INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certfied mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS and INOUIRIES from my credit report. ACCOUNTS : XXXX XXXX Account Number : XXXX XXXXXXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX
Product: Bank account or service

At extremely XXXX, I required to XXXX file XXXX charging complaint against Bank of America that they made extremely neglected against XXXX XXXX XXXX in their bank records included employees do not like me and my appearances so they did not let me know about a refund check in leading increased complaints with Bank of America will be continually increase suicide lead to XXXX XXXX XXXX. At extremely, I was not happy with Bank of America account that they did not tell me about how long do I join with Bank of America because of that I can not remember and I did not understand that BOA mailed me XXXX packaging included documents as please take enclosed document to authorized person who understand reading more than mine at this requests. I was not happy with Bank of America at formal request. I knew that Bank of America employees still refused released printed rent checks with sad icons in their banking computer with my bank account. They acted in XXXX that they afraid released my rent paid check with sad icons forwarded to Speaker XXXX XXXX and XXXX. Senators, plus YOUR HEADQUARTERS ADDRESS IN NORTH CAROLINA MUST YOUR RESPONSIBILITY FORWARD TO YOUR STATE XXXX. SENATORS ABOUT MY PRINTED PAID RENT CHECKS WITH SAD ICONS AT FOLLOWING REQUESTS. It was not resolved problem will be remaining stay extremely complaints. see next page:
Product: Consumer Loan

Capitol One 360 keeps changing what I owe on my loan and they also changed my mailing address on there website. They changed it to a P.O. box I know longer use and I never even told them I had it. It shows on my credit report that I have on and thats it. Im still at the same address as the one from when I purchased the vehicle so its a little scary that my address just changes like that. The credit bureaus are reporting a different amount than I owe and Im getting notices that my car loan increased.
Product: Mortgage

Today  XXXX   XXXX ,2017, I attempted to call the customer service line listed on my bill in order to pay my mortgage over the phone. What I got instead was some sort of scam with regard to a free gift requesting credit card information. Repeatedly I asked to be put throug h to SPS S ervicing located in  XXXX   XXXX   XXXX , Utah. I was told this was a marketing tool used to advertise for the company, and despite my objection due to a waste of my time. The perso n (   XXXX   ) p robably not his real name, continued to ask questions. When he got to the portion about me submitting money for the free gift I was due and I said no repeatedly. He hung up and aft er 15 r eturn calls was not able to get Customer Service in order to pay my  XXXX  Mortgage. This is more than just shady dealings. This is mis-representation, false advertising, and poor customer service. While I do agree that business has a right to advertising, this is not the way to do it. I feel that I have no way to contact the company that has the most important purchase made by me.     Please Help  XXXX   XXXX   XXXX .
Product: Credit reporting or other personal consumer reports

I reviewed a copy of my credit report and noticed inaccurate reporting and accounts. This involved the following : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company Name : XXXX XXXX Account Number : XXXX Briefly explain your complaint : I am disputing an account on my Equifax credit report with the following details : Creditor : XXXX XXXX Account Number : XXXX I was listed as an authorized user on this account, and it is not mine. Despite my efforts to resolve the issue with both Equifax and the creditor, the incorrect information persists on my credit report. This inaccuracy is negatively impacting my credit score, and I am seeking assistance in having it promptly removed.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. These are the accounts that are inaccurate XXXX XXXX XXXXXXXX XXXX, US department of EDU, and XXXX XXXX.
Product: Checking or savings account

Discover bank reordered my transactions to decline a bill pay transaction with XXXX XXXX XXXX. This has caused me to be charged return payment fees and late fees from XXXX XXXX XXXX.
Product: Debt collection

I have paid this debt in full to XXXX XXXX XXXX even though it was not owed. This property team is a third-party company hired by my property manager. The property manager and the property team were in a legal dispute for years. I was caught in a little dispute and that was apply to my credit even though I did not owe this money.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX  accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 7 and 8 of the attached credit report. ) These accounts report a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. These accounts are currently coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.
Product: Debt collection

I received a call from a local number XXXX, so I answered and a gentlemen explained that this was a collection attempt on a credit card that they were hired to collect on, I explained that I am not able to make a payment arrangement and that I am currently staying with a friend temporarily, and he said that he will let the rep know that originally called and the next time they contact me it will be through a lawsuit.
Product: Student loan

I have been trying to receive help with my student loan payments. The company, Navient, will not respond to my requests for help with anything other than, " Call us. '' They will provide me no options and no information, not even my current loan payment amount. They changed my payment amount without me knowing about it, and now they're reporting me late on my credit report despite me providing them with payments every month for almost 10 years. 

I requested help via email and via their online form on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( 3 times ), XX/XX/XXXX, XX/XX/XXXX ( 3 times XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ( twice ), XX/XX/XXXX, XX/XX/XXXX ( twice ). That is 28 times I have contacted them and asked for help and they have not responded with anything else other than " call us. '' I have made offers to fix my payments, I have made requests for the correct payment amount, I have made requests for forbearance. I have explained that I can not speak with them on the phone each time. I have continued to make regular payments to them every single month since XXXX. However, their only response has been " call us. '' They refuse to provide me any information at all via email or postal mail. I have responded each and every time they call and leave me a voice mail or they send me an email. I have repeatedly made offers with specific amounts in them to get this account current and I receive no response at all from this company. I can not call them, and they will not deal with me in any other way, so I have no recourse whatsoever. 

I even offered to completely get my account up to date if the company would simply tell me what my monthly payment amount would be. You might have guessed by now, their only response was, " Call us. ''
Product: Money transfer, virtual currency, or money service

Got a text message saying someone tried to access large amount of money from my account and to message back confirming or denying this. I denied and they responded that a professional will call to help settle it. Got a call from Bank of America and the man said i would have to XXXX  the money in accounts to a special code that would then cancel the transaction and return money in 10-15 minutes. I first did just {$100.00} as thought they just needed some money to cancel transaction but then said needed full amount so transferred it. This drained my entire bank account. I called bank 2 hours later during my break at work to report I was scammed and gave them the number the scammer said was the XXXX  code. Got email 2 weeks later informing people of this exact scam and what to look for. Finally got email week ago saying they couldn't do anything and they only had email for money from debit card in claim, but not my saving account either. 

XX/XX/XXXX debit amount transferred {$100.00} XX/XX/XXXX debit amount transferred {$460.00} XX/XX/XXXX saving account amount transferred {$1100.00}
Product: Credit reporting or other personal consumer reports

I'm submitting this complaint in response to a notification on my credit report. The files reported are inaccurate and erroneous and are leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 

XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance Owed : {$920.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance Owed : {$1000.00} XXXX XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$2300.00}.
Product: Vehicle loan or lease

Hello I buys a car Hyundai XXXX XXXX XXXX in XX/XX/XXXX, the firsts year no have any problem with the bank Hyundai financial in the past months of XXXX received a letter what my car was repossessed because no made my payment and I call solicit returned my payment, this is stupid answer, call for solution to this problem, your answer is I need pay again all this money or my car are reported I send copy of all my payment when I call for make my payment in the month of XXXX my account is negative for {$4600.00}, call again send copy all payment with copy of your email with confirmation of received payment, answer is you no pay your car last XX/XX/XXXX my car is reposis, my question is where is may car or my money? never the bank accept my paper only say you no pay is it everything, I pay every months my car, now no have car no have money and no have answer and solution to my problem or the bank can do this? Only like my car back or my money and clear my credit
Product: Checking or savings account

After being a customer for nearly 10 years with Bank of America and having multiple personal and business accounts in great standing, I received notice on the XX/XX/XXXX from BOA that all  my accounts will be terminated and that I have 21 days to withdraw funds. Shocked and thinking that it was some type of error, I went to my banker at our local branch and he said that he has no info and has no clue why I am being treated this way. I want to know why??? This does not seem fair or legal to me at all, please help!