23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Applied for cash out- refinance loan on XX/XX/21. I wanted to take out approximately {$40000.00} in equity and refinance my current note to a 15 year term. Prior to formal application, I spoke with the loan originator for XXXX XXXX on XX/XX/21, to explain the particulars of the loan request. I have an underage minor listed on my deed. I asked if the XXXX XXXX, if in fact they could complete the transaction with the underage minor on the deed. The loan originator spoke with his XXXX. The XXXX informed the originator that XXXX XXXX could in fact move forward with financing and that XXXX XXXX would be XXXX creative XXXX in completing the transaction with the minor on title. To date, an appraisal was completed on the property on XX/XX/21. On XX/XX/21, I received a text from the loan originator was informed that I would need to remove the minor from title before the loan could proceed to closing. Further as a result of the hard pull of my credit, my current XXXX XXXX has decreased and I now have a poor credit rating. So in addition to false representation of services, I am out an appraisal fee of {$520.00} and a low XXXX XXXX. Finally, I am in a majority minority community the XXXX low balled the value of my property and when I notified XXXX XXXX of such there was no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

This account is inaccurate and incomplete as there is no Name listed for this account and an FCRA violation. Account # XXXX The Last date of Activity, Payment, Account Type - Detail, Account Status, High Credit and Payment History are all inaccurate. Also, please provide Assignment of Debt, Validation of Debt, and Method of Verification. Not to mention you would be in violation of my HIPAA Rights. Please honor all request of documentation.
Product: Checking or savings account

I have recuuring transfers from my checking account going to my savings account on the XXXX of each month. I attempted to change the amount of the treansfer from {$43.00} per month to {$50.00} per month. Since I am complterely XXXX I can not access the bank 's website because it is not ADA compliant. I called the 800 customer service number and was refused service because I could not read the digits on my ATM card and I was told to visit my local branch. 

When I arrived at my local branch, I was verified with my state ID but again was refused service because I was told that company policy does not allow personal bankers or tellers to assis the XXXX because I can not XXXX XXXX their computer screens. 

While I can understand that this policy is in place to avoid bank employees from committing fraud on a customer 's account, there is no policy in place to help the XXXX who can not access the online system or physically see a computer screen. Thus, this policy is a direcr volation of federal law and a violation of the XXXX. While the banker 's at my local branch are friendly and try to help find a solution, I am XXXX and they ) are refused services from upper management because my bank 's policy wiwll not help the handicapped who can not access self-service banking options.
Product: Checking or savings account

XX/XX/XXXX XXXX XXXX XXXX {$100.00}, XX/XX/XXXX XXXX XXXX  {$89.00}, XX/XX/XXXX XXXX  XXXX {$77.00}, XX/XX/XXXX XXXX {$88.00}. These were the four fraudulent transactions on my account. I called twice to file a claim because I had to wait for everything to clear. After filing a dispute as well, they claim to ensure I get my money back and even an advance until they find if it's actually fraudulent or not ( which never happened ). I kept in close contact with them weekly and sometimes twice a week checking up on my money and where it's at. Mind you I do not have a vehicle at the moment its being fixed. Two of the transactions happened in Alabama. I live in Ohio. On XXXX I found out there was a third claim on a bunch of other items I did not claim were fraud, but was told since there was a claim I had to write another email to their dispute documents email otherwise all the claims WILL be denied, so I did. XXXX I contacted them to find there was a third claim made on the four items I know were fraudulent and they told me it had been closed and I won't see any of the {$360.00} and change. I got upset and told them I wasn't happy with their service and had been a loyal customer for over 7 years and this is the first time it has ever happened. I felt I had proved my case since I live in the XXXX, Ohio area and spend money the same day these 4 transactions showed up pending XX/XX/XXXX, 2 transactions were in Alabama, the other two hours away from me in Ohio. Told them once again my vehicle has been getting worked on for months, that's why I've been using XXXX and XXXX daily to get to work. They sent me to the system main menu on the phone multiple times. Yesterday XXXX I got a text message saying I need to call about my account, something was wrong. After calling and over two and a half hours on the phone, I find my account was closed by them for suspicious fraudulent activity, and because of this I WILL not be getting any further help from them on my claim. I had over {$390.00} left in that account and now am afraid they will find a way to keep that too. They claimed they already processed my check and I should get it in 10 business days, but they also said that about crediting my account for the money fraudulently taken, that I felt I proven by looking up each place via account transaction and looking up how many miles they are from me. All four done the same day I spent money here in XXXX, Ohio.
Product: Vehicle loan or lease

The creditor gave me a vehicle loan the car was in a accident it was totaled out they wrote it off as profit loss write off showing a balance of $ 16k+ bad debt on my credit report. However my gap insurance covered the vehicles loss value and the loan was paid in full by XXXX XXXX XXXX XXXX. XXXX  bank will not remove it from my reports help.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please Be Advised I have wrote multiple of letters. The inaccurate accounts remain on my credit report ( US Dept Of ED XXXX in the ( Date Opened, last reported, Date last Active, Date of last payment section. XXXX  is reporting different information than XXXX  is reporting show that there is a late fee which is also incorrect account was never late. These accounts seem to be furnished by the same creditor so why is all provided data different. It is your duty to insure that all information that reported is consistent and most importantly accurate and you have failed to do so please Delete this erroneous item immediately. 

Attached you will find documents of the account. 

If you find that the information is inaccurate I am asking for the account to be removed from my credit report as soon as possible please. 

Account name XXXX XXXX XXXX XXXX XXXX Credit Bureau XXXX  XXXX  Account XXXXame US Dept ED US Dept ED Account Number XXXX XXXX Date Opened XX/XX/XXXX XX/XX/XXXX Last Reported XX/XX/XXXX XX/XX/XXXX Date Last Active XX/XX/XXXX XX/XX/XXXX Date Last Payment XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are fraudulent accounts inwhich has mentally and emotionally taken affect on me. In addition the 3 major credit reporting agencies are reporting these accounts without physical documentation. I'm now demanding the Method of Verification inwhich was used in the process of the investigative matter of these accounts. I'm demanding the name and title of the investigator. Also what method was used, tlphone, fax, XXXX XXXX, etc. If you nor your companies can provide this information then please remove and block these accounts immediately. 

1 ) XXXX XXXX {$190.00} 2 ) XXXX XXXX XXXX XXXX 3 )  XXXX XXXX 4 ) XXXX
Product: Credit card

I had called the credit card department several times arranging a payment arrangement they advised they can set it up for XXXX they said they deleted all the prior payments but did not infact the debited me on the wrong month to start my payments. I was in good faith they advised as long as. I keep this payment arrangement my account starting in XXXX would not be written off today I got an alert that my account was written off after Navy Federal assured me this would not happen the collections dept advised they put in the notes and I was fine so I trusted them on what they advised this was not the case and now my account had been written off Navy Federal did not send a letter of confirmation every time I would call no one remembers what they said nor are they accurate on assisting what they promised I only want my account to be put in good standing as they advised on several calls that I was ok and not to worry
Product: Credit reporting, credit repair services, or other personal consumer reports

I XXXX XXXX Am a PROTECTED CONSUMER. I know my rights. I notified the credit reporting agencies that these accounts were inaccurate and fraudulent on XX/XX/2021. According to FCRA LAWS, they were supposed to remove these accounts within 4 days of receipt of my official statement, it is now XX/XX/2021 and the accounts are still reporting illegally. I certify that this request to block was made NOT in error, and My request to block information was NOT based on a material misrepresentation, and I DID NOT knowingly obtain or should have known that I obtained possession of goods, services, or moneys as a result of one or more of the transactions that I am seeking to block. Under 15 U.S. Code 1681c2 you must block all fraudulent accounts. Since I attached my form of ID, PROOF OF ADDRESS, & SOCIAL SECURITY CARD, This complaint lists someone that your company should recognize as their customer or their customers authorized representative.
Product: Credit reporting or other personal consumer reports

Ive reviewed my consumer reports and notice that I had two late payments on an account that I was never late for. The consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their abilities with maximum accuracy. I have never been late on payments for the accounts that I have included in this screenshots inside this complaint in on this date of XXXX XXXX and XX/XX/XXXX. Please investigate and provide proof with statements showing that these payments were late. If proof cant be provided I demand that these payments be updated to paid as agreed on time as they should due to the fact I was never late. Thanks! Please see screenshots attached :
Product: Bank account or service

Hi, I was XXXX enough to fall for a scam. I was selling a table on an app called " offer up. '' A girl messaged me that her dad was interested in the table so she asked me to e-mail him XXXX. I emailed XXXX and he said he really wanted the table and he would give me an extra {$50.00} if I took it off the site and I held it until his movers could come get it. He was apparently moving into a new apartment and was away on business so his movers would be taking care of everything. He said he would be mailing a cashiers check to me so once that cleared they would come pick the table up. A few days pass and he emails me that his assistant made a mistake and instead of writing XXXX checks, she put everything in my name. So for my {$150.00} cut he sent a check overnight for {$2600.00} through USPS. I was skeptical when the check came but it was a XXXX check from a constructiion company in XXXX. I googled the company and it is listed as a licensed company so I thought I would help this guy out. I really cant believe I deposited the check ... ..I cant stop re-living that stupidity. Anyway, the check was deposited on a sunday and by tuesday it cleared. " XXXX '' asked that I send the {$2500.00} to the movers Bank of America account. I did this and 15 mins later my account was frozen and negative. This guy is a real piece of works. Once I found out what happened and filed a police report, I decided to mess with him. I emailed him that I never heard from the movers and did he know when they could pick the table up. He just told me this am that there was a problem so I could keep another {$50.00} and to deposit the rest to XXXX in Indiana. Now Im just messing wity this piece if XXXX. How can bank of America not flag this account? I doubt its the first time this happened yet it seems the scammer is protected by bank which only enables them to kerp doing it.
Product: Mortgage

I received haf funds XX/XX/XXXX. XXXX/shell point has doubly applied these funds on my regular monthly payments which includes insurance and escrow and as a separate fee for past due escrow as well that would be covered by the regular monthly payments applied. They charged me over XXXX XXXX in servicing fees during my forbearance and charged late fees. 
Before going into forbearance I was in a modification. I made the three necessary payments XXXX XXXX and XXXX plus made XXXX 's payments before requesting forbearance in XXXX of XXXX. XXXX  pulled the modification out from under me even though I was current and in covid forbearance and charged me for more than the amount I would have owed if I had not complied. Haf funds were to be applied as though normal monthly payments were paid on time. The credit bureau was not to be given report of missed payments however I was removed from my modification and overcharged, I had twelve months of missed payments to the credit bureau, I was over charged for the amount I would have owed had I not complied with my modification, my monthly payments were applied in full with haf funds but late fees and servicing fees in ridiculous amounts were charged and a separate amount of over {$14000.00} was taken for escrow and insurance even though it was included in the monthly payment. I had reported them immediately to the department of financial institutions in XXXX WI in XXXX and the woman on my case XXXX XXXX is still awaiting paperwork from XXXX  now shell point. In order to buy time I submitted a request for modification on XXXX XXXX XXXX, i picked up the certified loss mitigation package at the post office on XX/XX/XXXX. On XX/XX/XXXX I sent out the loss mitigation package and hardship letter. On XX/XX/XXXX I received a stand alone partial claim offer dated XX/XX/XXXX and XXXX days later a loss mitigation package dated XXXX XXXX  appeared in my mailbox with absolutely no postmark whatsoever. They are trying to justify the stand alone partial claim offered by making it look like I applied for modification on XXXX XXXX  however I have all documents necessary to prove that I did not request on that date but I did on XXXX XXXX  and I have the certified envelope I received from the post office. They said I applied XXXX XXXX  yet on XX/XX/XXXX reported late payment to the credit bureau. Also with haf fund rewards applied as though all payments were made on time and since I have been making on time regular payments for five years and nine months I find it impossible to see how anyone can believe that I have paid no more than 2 % of my mortgage and my current balance is less than a XXXX dollars below my original loan balance.
Product: Credit reporting

The Credit Reporting company continues to refuse to correct my credit report by ignoring the specifics of my complaint. The have not, even after reinvestigation, deleted the negative report of 90 days late payment. They keep referring to XXXX different accounts numbers and do not address the 90 days late payment, that appears on account # XXXX Department of Education/XXXX. Even after conclusive evidence from documentation send to them. That account was Pay in Full on XX/XX/2015. My credit report shows the same account 90 days late payment on XX/XX/2015. Their own credit report shows that specific account " OK '' on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX while on XX/XX/XXXX appears 90 days late. How could that be possible? Other Credit reporting Company have make the right correction. Equifax ignores it or flat out refuses to do so. They have not shown any proof of an investigation or how they arrive at that conclusion. In direct violation of U.S. Code 1681i - 611 ( a ) ( 1 ) ( A ) ; ( 4 ) ( 5 ) ( A ) ; ( 6 ) ( A ), ( B ) ( i ) ( ii ) ( iii ) ( iv ) ( v ) ; ( 7 ), ( 8 ) ( A ) ( B ) ( C ) ; ( 8 ) ( b ) ( c ) ( d )
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CGPB 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 transactions are 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.
Product: Credit reporting or other personal consumer reports

Since XX/XX/2024 I have been enrolled in a payment plan with US Bank for my HELOC account, I was told all I had to do was to call and make payments over the phone. Every month since then I have been calling US Bank to make my payment but this month, I found out that US bank has been reporting my account as delinquent. I called US Bank customer service regarding this matter ; they said that when you are in a payment plan you don't generate delinquent payments. I recently got a letter from the bank saying that they won't fix anything, and by the way, no one knows anything about my payment plan, but they were taking my payments every month.
Product: Credit card

Called Northlane.comseveral times same recording at different numbers, no option to speak to someone.The card is a debit card/ credit issued by XXXX for XXXX for a credit from XXXXCalled XXXX got connected to Northlane but was conveniently disconnected.The reviews on their website r all the same cant contact the company n get get their money.Card was issued by XXXX XXXX  its valid thru XX/XX/24 card # is XXXX XXXX XXXX XXXX XXXX acct # was XXXXnorthlane.comXXXX Tried using the card several times as credit/debit DECLINED!!!!!!
Product: Checking or savings account

XXXX seller fraudulently misrepresented what he was selling and advertised XXXX folding table as XXXX when indeed it is XXXX. That is fraud and false advertising. I tried getting XXXX involved but there is no phone number or chat or email I could find to reach them. I was instructed to go on www.ebay/help on XX/XX/year> help and communicate with the seller by doing a google search for instructions of what to do. Seller was very ignorant and said he doesn't accept returns and XXXX would not step in, but claims they have a money back guarantee. I entered initial claim with XXXX on XXXX XXXX when I realized I was scammed and I also told them I entered a claim with UPS. a couple days went by and when I realized that what I had in my possession was it, I called and told UPS to cancel the claim as well as XXXX and told them ( intial claim with Chase Bank was entered on XX/XX/year>- same day I contacted XXXX XXXX, the table arrived but it's the wrong size. They cancelled initial claim around XX/XX/year> and removed temporary credit and set up new claim. they did no investigation, says they spoke with XXXX seller, did not keep me posted, and then I get notice that my claim was denied and temporary credit reversed. When I got the letter, I called them immediately and told them I have pictures of the table, the legs don't extend and clearly it says on the table XXXX! I was spoken to very nasty and hung up on by a claims rep around XX/XX/XXXX when I got the letter and when I called back, they had closed so I didn't get an answer. I called back a few times and no one in Customer Service helped me in the following days as I reported the claims rep blatantly denied me and was viciously arrogant. They did no investigation and they practices are disgustingly lazy. They never asked me for photos of table or anything. I got bounced around a lot, no one could provide an email to send pictures and I called them late night on XX/XX/year> around XXXX and was on the line with a customer service rep and she entered all the notes before getting me to a claims rep, in which he said the back office has compelling evidence and claim was denied a XXXX time and I asked him if I could email him the pics and that I found a chase website a few days ago in which I shared the photos, which he say they never got when I asked several reps for an email, which they did not provide. He tells me they don't have an email, I have been hung up on, disrespected and neglected by many chase customer service and claims rep often including tonight XX/XX/year>! They still refuse to refund me XXXX after I was frauded and scammed by XXXX seller who refuses to refund me and his profile says no returns. XXXX has not stepped in and done anything. Chase Bank has violated FDIC Laws and Rules and is in violation of my rights.
Product: Credit card or prepaid card

I opened a store card through Synchrony Bank in late XXXX of 2019. The application said that my first payment was not due until XXXX of 2019. I attempted to make a payment but it would not allow me to. I called customer service after the first month and was told they have no record of my account. I continued to call and try to make payments but could not. I was then marked with a late payment in XXXX of 2019. It was only then that I was able to call and have them pull up my account. They would not cooperate with me or remove the late payment. 

I escalated the issue to upper management and was told that the late payment would be removed. It has been almost 2 years. I try to call but I get hung up on or can't connect at all.
Product: Debt collection

DATE : XX/XX/XXXX NAME : XXXX XXXX XXXX ADDRESS : XXXX XXXX XXXX XXXX CA XXXX XXXX : XX/XX/XXXX XXXX : XXXX ( PORTFOLIO RECOVERY XXXX XXXX XXXX, XXXX VA XXXX ) IMPROPER USE OF MY CREDIT REPORT In accordance with the Fair Credit Reporting Act this creditor has violated my Rights! Under Act 15 U.S.C. 1681 section 602 says " 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 refurnish an account without mv written instructions ''. Under 15 U.S.C 1666 B " A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose. Please remove collection or update the following accounts and paid, never late. 
ACCOUNT : XXXX ORIGINAL CREDITOR XXXX XXXX Please move forward with the above request. Failure to remove I will sanction legal action for remedy and for each violation not limited to but including reporting information without my consent, invading my privacy, and defamation of character under permissible purpose ( 15 usc 1681 )
Product: Credit card or prepaid card

XX/XX/XXXX and XXXX, 2019. My credit card number was used fraudulently to make {$2100.00} in purchases. According to Chase, the purchaser had a chip card at point of sale. My family had possession of all of my cards. Chase contacted me twice and both times I told them that the charges listed were not mine except for the XXXX charge. They refunded the charges on my account. Then two months later they sent a letter stating that I benefitted from some of these charges and rebilled {$1700.00} to my account. They stated the investigation was complete. They never questioned me in the investigation. We can prove that none of us who carry one of the cards was in the geographic location where the purchases were made. There are even correct charges made on both of those days by me which show that I was not in XXXX XXXX. They also claim that I notified them that one of the XXXX purchases was mine which I did not do and the charge was not mine. 
Chase did not include me in their investigation. I can prove that none of my family was in the location the charges were made. I consider Chase to be acting in bad faith.