23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I am facing a foreclosure sale by my mortgage lender Bank of America. I have gone through major hardship the last few years and was hopeful that they would negotiate with me fairly, but instead they have ignored my repeated requests for assistance. I am a single mother raising XXXX boys and this is a bank that received billions of dollars in bailout money from the government. This is not right. 

I bought my home in XXXX. At the time my husband worked full time and was the primary source of money. I worked several part time jobs. Not long after I bought our house my husband was arrested and went to jail. I suddenly had to not only raise the children but was the sole source of income. I was able to make ends meet for one year, then I lost XXXX of my XXXX part time jobs. My husband was released from jail but was XXXX, and I was in desperate need of help. I fell behind on my mortgage first in XXXX and tried to get Bank of America to work with me but could not make any progress. I did not give up and was able to find new work and somehow balance this with taking care of my boys. I eventually came up with {$17000.00} and paid this money to Bank of America so that I could get back into good standing with them. They gladly accepted this money. I told them that I needed help with my mortgage because there was no husband helping with the bills anymore and that I was barely making ends meet. Since I had paid and gotten caught up Bank of America did not care to help me. 

I ran into more problems with my employment and once again could not afford the payment and fell behind. I applied for a modification from Bank of America but could not make any progress. I called in many times and it seemed like all I did was play phone tag with the people there. They were not serious about helping me and I spent so much time trying to fix this issue but nothing came of it. 

I am very worried because they are now trying to sell my house at auction. I have a good job at the XXXX and they are increasing my hours. I can afford a reasonable payment if Bank of America would give me a chance and be reasonable, but instead they ignore me. When things were tough I did not give up, I got new jobs and worked hard to pay back Bank of America. I told them I needed help but they ignored me. I do not want to lose my home, I have XXXX boys to take care of and I fit into the rules for these government programs. If Bank of America would take the time to review my information they would know this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint against PHH Mortgage and XXXX C/o PHH Mortgage in XX/XX/2019. They responded that they are not the appropriate company to answer the complaint. Stated that the complaint does not belong to them. 
Complaint ID - XXXX. 
Company responded the complaint does not belong to them on XX/XX/2019 The company responded that they are not the appropriate company to address your issue. 
Sent to company on XX/XX/2019 We've sent your complaint to the company, and we will let you know when they respond. 
Their response should include the steps they took, or will take, to address your complaint. 
Companies generally respond in 15 days. In some cases, the company will let you know their response is in progress and provide a final response in 60 days. 
NOTE : They are the correct companies. Phh Mortgage out of XX/XX/XXXX. XXXX, NJ and XXXX c/o PHH Mortgages Services, XX/XX/XXXX XX/XX/XXXXXXXX, XX/XX/XXXX. XXXX, NJ XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate XXXX XXXX : " Your TransUnion credit report contains the following XXXX XXXX. 
DO NOT CONFUSE MY CREDIT FILE WITH PEOPLE OF SIMILAR NAME, ADDRESS OR SSN. VERIFY ALL IDENTIFYING INFORMATION. THESE NEGATIVE ACCOUNTS ARE NOT MY OWN. I DO NOT HAVE A MIDDLE NAME. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX, Account # unknown has violated my rights XXXX XXXX XXXX, Account # unknown has violated my rights US Department of Edu, Account # unknown has violated my rights Inquiries : XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 A. states I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency many make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I sent a letter to Equifax disputing the XXXX XXXX XXXX account as being outdated information, and to date XX/XX/XXXX I have yet to get a response, In accordance with the Fair Credit Reporting Act, Section 605 [ 15 U.S.C.

1681c ] reporting periods only run 7 or 10 years depending on the type of information. In my case, the information in question expired as of XX/XX/XXXX. 
I respectfully ask you to investigate my claim and if you find my claim to be valid then I expect you to immediately remove the outdated items identified in this letter and any additional outdated items that you discover during your investigation.
Product: Vehicle loan or lease

I bought a vehicle from XXXX XXXX in XXXX va. This dealership was very unprofessional and illegitimate in their business. After being confused about my contract, I went to the dealership for help, and once they caught on to the fact I was asking for to much information. They were pawning me off to several different employees with various different titles, from the sales man XXXX, finance director XXXX, and general manager XXXX. After I was not giving all my documents and was told these documents were not kept in house and were telling I needed to come back another day or wait for a call. So I finally had another person provide me with all my documents they were trying to not release to me. I got out that they charged me for a package I never signed for and wanted, and the double charged me a {$990.00} freight fee. The general manager and salesman said they are allowed to do what they do, they can sell the call whatever price they want to. They can not redo my deal because apparently made multiple payments, and they can give me a credit but wont admit to adding to freight fees but they said they are allowed to sell a car however they want to. That my car was a hot car in demand, which it was not and sold it over sticker price. I believe if they so casual say things like this and act shady and hide your documents, this business should be looked into for fraud. 
I have attached I link to all my documents I shared with my military attorney. a email from him advising legal action under the military lending act for fraudulent business and reference to a attorney handling a similar MLA case but hasnt heard word back. This attorney does work for the cfpb and name is XXXX XXXX
Product: Vehicle loan or lease

Family income changed during the pandemic due to job losses and wasnt able to afford vehicle payments. Before this happened payments were on time.I informed credit acceptance I can not afford vehicle due to this. They refused to let me relinquish it. It took over a year for them to finally repossess it., sold the vehicle and now are attempting to sue me for the remaining balance. I denied this due to me informing them I can not afford. I wasnt the only person that suffered during the pandemic. They are during for XXXX they also offered an settlement amount of XXXX by XX/XX/XXXX but proceeded to serve me papers for court.the documents I was served says I failed to object to the amount owed which is false. They are attempting to push me into a debt I can not afford. I wasnt the only person affected by the pandemic.
Product: Checking or savings account

On XXXX XX/XX/2021 my phone was stolen. I had several fraudulant transactions all of which have been resolved except for the transactions made through my Robinhood account. My XXXX XXXX credit cards were effected along with my XXXX Debt Card. All of which are now resolved. I have sent the company loads of evidence which clearly indicated the transactions are indeed fraud and get the same response over and over. The stress of the situation recently put me in the hospital and I have lost wages due to there negligence and attempting to scramble together evidence to preserve my credit score without having to pay these fraud charges like the company is requesting. I would like the following as resolution. Review the evidence attached and fix the problem. I would like my account with XXXX XXXX  to be closed and no further contact from this business ever again. The service and way they treat people is ridiculous. They also refuse to give me a physical address to send a demand letter to as I'm willing to go as far as presenting my evidence in small claims before a judge to let a true professional decide. I've been a XXXX  for 4 years and never seen a company with such a flawed fraud process.
Product: Credit reporting or other personal consumer reports

I was reviewing my credit report and noticed some inquiries that do not belong to me. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Vehicle loan or lease

I asked Bank of America XXXX XXXX XXXX XXXX XXXX  XXXX of Regulatory Complaints to provide me with the Law that states they can deny me credit.

15 USC 1691 which states ; ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction Please provide me a Law that states I can be denied Credit ......
Product: Credit reporting or other personal consumer reports

This is my 14th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$2000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  {$2000.00}
Product: Mortgage

I requested a payoff from my mortgage lender ( Chase ), after XXXX days they provided the payoff but it indicated the per diem interest date of XX/XX/2015. The XX/XX/2015 payment was made on XX/XX/2015. In an attempt to refinance the loan and because of this the new lender requested a payment history because the XX/XX/2015 implies that the XX/XX/2015 payment had not been made. When I contacted chase they affirmed the XX/XX/2015 payment was made but that the XX/XX/2015 date was correct. A search of the internet indicates the industry standard is that the lender uses your requested payoff date to calculate per diem interest you woe in the time period from your latest monthly payment until the payoff date. In addition, I requested a XXXX month history of payments on XX/XX/2015. I was told that I must have not made a full payment because there was a suspense balance that was not a full payment. I disputed this and advised all payments were made and any suspense funds were payments made by the trustee in my XXXX. I was told that if I paid XXXX they would process the payment that day, and the next day move the suspense balance over to a full payment and send me a new payoff statement indicating an interest due date of XX/XX/2015. The following day I was called by CHase and told they are working on it but because of my complaint to CFPB they would not be able to provide a response as previously stated. They advised they would contact me on the XXXX for a status update. On XX/XX/2015, I received a payoff statement with the same XX/XX/2015 date and have not received the XXXX month history as requested. Because of this I am unable to refinance my loan ( VA streamline ) to a lower interest rate and save over XXXX per month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I obtained my credit report and requested the credit bureaus to verify and ensure the accuracy of all the information in accordance with 15 USC 1681i.

After waiting for a period of more than 30 days, I have yet to receive any response. I have tracking numbers for reference : XXXX, XXXX, and XXXX. It has now been more than 30 days since my initial request. 

Furthermore, I noticed that they have failed to update the current status of the disputed information. 

Experian 's actions are impeding my ability to purchase my first home. This situation is extremely frustrating as I am endeavoring to provide a suitable residence for my family. Regrettably, Experian is not fulfilling its obligations as stipulated by the law.
Product: Checking or savings account

I borrowed {$65.00} from my nephew and he sent the funds to my Venmo account. So I logged into Venmo and tried to transfer the funds to my debit card and I was alerted my account was frozen. So I contacted them on XX/XX/XXXX via Email, Phone and chat via the app and gotten no response, So then I messaged Venmo Support on XXXX and still no response. So I contacted a live agent again XX/XX/XXXX and they informed me I would receive a email on how to unlock my account and I still have not received it. This is not the first time I had issues with this company, Back in XXXX of XXXX I ran into this same problem however I was able to resolve it that day. Also keep in mind during each email and chat session I provided my state issued driver license. Venmo is a Paypal company which I have had an active paypal account for over 10 years. 

I just want my money released, so I can close this account and move on with my life. 
I borrowed this money for my medical condition and I have to suffer and wait to fill my prescription because this company is playing games.
Product: Money transfer, virtual currency, or money service

Coinbase has updated their platform several times over the last few years. Their " gdax '' trading platform changed to " pro.coinbase.com '' which is now " advanced coinbase '' and their coinbase.com platform has significantly changed too. They shut off access to the old sites. 

Crucially, they did either correctly or completely transfer transaction records between their sites. Now, when I ask for a complete transaction record on coinbase.com, the reported transactions do not add up. There is at least one missing cryptocurrency purchase transaction, or alternatively, there is a missing {$2000.00} from my account. There is even a " transfer '' in the transaction history that says " transfer from _____ '' with nothing after the from. Furthermore, asking for " all transactions, all currencies, all time '' reports from one part of their platform vs another, yields completely different results. What a mess. 

I've uploaded XXXX reports, both of which purport to be " all transactions all time, '' XXXX from coinbase.com and XXXX from advanced coinbase. Neither shows transactions that correlate with the XXXX balance in my account ( XXXX ) The reports not only do not add up, but they make no sense. When I try to navigate their " help '' section, the links take you on a journey which is a loop right back to the same initial " help '' section, never offering an option to email support. The only option appears to be a chatbot, or waiting endlessly ( many hours now, tried several times ) for an agent to show up in a chat session. Even if an agent eventually shows up, there is no guarantee I'll be at my computer, and their chat app does not send out notifications. 

In other words, there appears to be no way to actually speak to someone to resolve the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting Act the list of accounts I have below have also been attached in my letters and FTC Report, have violated privacy federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Information here : XXXX XXXX XXXX XX/XX/XXXX Possible financial XX/XX/XXXX 15 USC 1681 section 602 A states I have a right to privacy. 
15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish any account without my written instructions.

15 USC 1681c ( a ) ( 5 ) states no consumer reporting agency may report any items of information or adverse items other than criminal convictions record which predates the report by more than 7 years.

15 USC 1681s-2 ( A ) ( 1 ) states 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
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX : purchase XXXX XXXX XXXX from XXXX. Trade in XXXX XXXX XXXX financed thru Chase Bank. {$7800.00} in negative equity to be rolled over. Purchase pre-financed through XXXX. 
XX/XX/XXXX : XXXX authorized up to {$30000.00} for purchase based on my credit, payment history and XXXX. 
*According to XXXX XXXXXXXX XXXX XXXX XXXX, there is a XXXX day return policy. 
XX/XX/XXXX : Letter stamped with date of XX/XX/XXXX for payoff of XXXX XXXX received from Chase Bank. 
*As per written XXXX XXXX, the XXXX XXXX payoff to Chase Bank was sent too soon. 
XX/XX/XXXX : XXXX informed me that while eligible for funding, the value of the new vehicle was not enough to cover negative equity of the trade in. I immediately made contact with XXXX and offered to still purchase the XXXX XXXX XXXX without a trade in. However, I was instructed by XXXX to return the XXXX XXXX. 
XX/XX/XXXX : I received a letter from Chase Bank informing me that a request had been made to return the payoff funds received from XXXX. I was unaware that XXXX had paid the XXXX XXXX XXXX off prior to receiving the letter as the purchase of the XXXX XXXX XXXX had yet to be completed. As per the letter from Chase Bank. The XXXX XXXX XXXX was paid off and the account closed as of XX/XX/XXXX. 
XX/XX/XXXX : I was informed by XXXX that I could not return the XXXX XXXX XXXX until Chase Bank returned the funding for the XXXX XXXX XXXX. 
XX/XX/XXXX : I received an email from XXXX representative, XXXX Washington that Chase Bank was ready to return the funding to XXXX for the XXXX XXXX XXXX. 
XX/XX/XXXX : Chase Bank returned funding for XXXX XXXX XXXX to XXXX and I was allowed to take back ownership of the vehicle. 
XX/XX/XXXX : I received letter from Chase Bank via XXXX Overnight delivery stating that Chase Bank required back-pay from me for the time period that XXXX owned and possessed the XXXX XXXX XXXX XXXX The letter was stamped XX/XX/XXXX. 
XX/XX/XXXX : I received another letter from Chase Bank via XXXX Overnight delivery stating that Chase Bank required back-pay from me for the time period that XXXX owned and possessed the XXXX XXXX XXXX XXXX The letter was stamped XX/XX/XXXX. 
XX/XX/XXXX : I followed up with Chase Bank customer service via telephone as I still did not have online access to the account. I attempted to negotiate a payment plan for the back-pay but was informed that the loan had been charged off due to non payment and my credit score dropped over XXXX points. 
From XX/XX/XXXX thru XX/XX/XXXX, XXXX had physical possession of the XXXX XXXX XXXX as well as the title. How am I responsible for the funds during this period? If I am still legally responsible, how am I negligent and deserving of this negative hit against my credit? 
Chase Bank has since informed me that they will reverse the charge off if I submit all back-pay funds in a lump sum. However, they will not give me any type of written guarantee that they will take the necessary steps to correct this mistake.
Product: Checking or savings account

I want for reimbursement for overdraft fees for the past 36 months
Product: Student loan

spoke with a representative who no matter the times i declined to reconsolidate a loan of XXXX yrs due to i am physically unable to work anymore and i am retired. i am not able to pay anything on this loan. my health for the last XXXX yrs has been a challenge. the conversation frustrated me aand i am already depressed from having to had retire XXXX from the XXXX XXXX. employed over XXXX yrs. not what i expected at all. Navient.
Product: Credit card or prepaid card

I wanted to close my AAdvantage Aviator red master ( through Barcays company ). I called XX/XX/XXXX. I said I want to close my card, and could I have the balanace so I can pay it all off. I was told my balance was {$110.00}. I was told I had to call a different number to close the account, and I would need my checking account routing number so I could send in the payment ASAP. I went home ( I called from work ) I called back with my check routing number, I gave it and gave permission to send {$110.00} in to company. I then closed my card that same night. The amount was withdrawn from my checking XX/XX/XXXX. I got a letter in the mail, about a week or week & half later ( dated XX/XX/XXXX ) saying " as requested we closed your AAdvantage aviator red world master cardXX/XX/XXXX account. The balance on your account as of XX/XX/XXXX is {$210.00}. '' I was shocked. I called customer service ans spoke to 2 different people. One explained when I called on XX/XX/XXXX I was only given the XX/XX/XXXX balance. I asked " why would you only give me XX/XX/XXXX  balance when I was trying to close my card. I explained it was their mistake, and they said no it wasn't their fault and I only asked for XX/XX/XXXX balance ... .which I know isn't true. Nothing got resolved from that phone call. I then sent in a payment of XXXX for the remainder of the XXXX. It was withdrawn XX/XX/XXXX. So i thought I was done and paid my balance. Since then I have gotten 2 more bills for late fees that have incurred since my first XX/XX/XXXX attempt to close this account. I get phone calls from them sometimes 2x a day asking me to call them about my balance. My XX/XX/XXXX statement was for {$110.00} with a {$41.00} interest/late fee. I got a bill XX/XX/XXXX for {$150.00} with a {$39.00} late interest fee. my XX/XX/XXXX statement was {$44.00} where I had a {$1.00} interest charge but no late fee. I did just get an XX/XX/XXXX statement for {$73.00} with {$28.00} late/interest fees. I feel if I called XX/XX/XXXX, and they had given me my entire amount THEN, I would have paid off the balance in FULL, and not have gotten all of these late fees.
Product: Money transfer, virtual currency, or money service

I'm concerned about Zelle 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Although I've used Zelle numerous times, when it has come to disputing an unauthorized charge, they failed to investigate my claim. They informed me that recovering the money was impossible and that tracking the transaction was unfeasible. The CFPB 's findings indicate that Zelle has allowed repeated offenders to exploit the system and hasn't cared about their customers.