23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a phone call from someone named XXXX in the escalation department. 

Explained to her the purpose of the home retention department is to keep people in their homes. The purpose of the Homeowner Assistance fund is also to keep people in their homes. She just dismissed my concerns.

And said she still had no information about the Home Assistance Fund at BofA as thats a separate department.

I said that makes no sense. Her response if you feel that way. Saying that she minimize any concerns I had about their processes. And I got the impression everyone at BofA could care less. Theres no sense of urgency. They just there to get a paycheck. 

Why tell a customer if you feel that way. Those are the facts she stated. BofA computers do not share information in regard to status of mortgage assistance. I.e. the Homeowner Assistance Fund. All she can do is send an email.

Conclusion : The system set up by Bank of American for home retention that does not communicate with the department handling the Home owners Assistance program negatively impacts the homeowner. And knowing banks and the hot market perhaps for those homeowners living in XXXX with rising home prices and lots of equity like myself, this is being done to force homeowners to foreclosure. The bank takes it bank and sells at a profit. 

Why would any bank have a policy in place where the left hand that on the surface is saying were here to help you stay in your home but the right hand ( the XXXX ) there to help us get back on track delays, and is not allowed to share any information about the status of pending monies or approvals.
Product: Checking or savings account

I file 2 transactions that I did not make one for {$26.00} on XX/XX/XXXX and one on XX/XX/XXXX the one on XX/XX/XXXX cash app still have not provided any documents after request the response I received back from my last complaint is my response to the company and on XX/XX/XXXX I file another dispute which cash app sent me some type of email saying verify which my identity is already verified so I uploaded my documents and my selfie they told me my identity failed when its the same verification I done before and replied with my dispute denied
Product: Mortgage

An escrow statement is due on my account annually. In XXXX an escrow analysis was done and mailed to me showing an over 3k escrow refund. Every other year the escrow s check was attached to the analysis. This time it was omitted.

I waited a week to see if the check would come. No check ever came. I called the company. New Rez and was told that she was not sure why the check was not included but that she would just direct deposit my escrow payment. She verified my account number she had on file. She told me to give it 2-5 days. A week later nothing had happened. 

I wrote to the secure mailbox on the New Rez site. Almost immediately I got a response saying I needed to request the refund via writing which I immediately did. In the past I heard right back from this mailbox. I am yet to get a response about my escrow overpayment. 

I called New Rez customer service yet again and was told the first agent failed to check a box allowing direct deposit but was promised this rep arranged it but still no direct deposit. 

I feel the company is trying to withhold monies due to me for some reason. I am not sure why I am told so many different things. I just want my overpayment as I have other bills due.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account, XXXX XXXX XXXX Original Creditor : 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 a account without my written instructions
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 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, 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may 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 card

Re : Account # XXXX Dispute of {$310.00} Charged by XXXX XXXX XXXX Dear Synchrony Bank Team, On XX/XX/XXXX, I engaged Honorable Appliance Repair to fix our XXXX XXXX. The technician identified a defective control board and completed the repair under invoice # XXXX for {$400.00}. 

However, the issue with the dishwasher persisted. On XX/XX/XXXX, we contacted XXXX  again to address the recurring problem. The same technician was dispatched and claimed the dishwasher was functioning properly, finding no defects. It is worth noting that the dishwasher, which was only two years old and rarely used ( approximately XXXX times per year ), continued to exhibit issues. 

On XX/XX/XXXX, during a home inspection in preparation for selling our property, the dishwasher was deemed defective. Lacking confidence in XXXXXXXX XXXX XXXX XXXX we hired a different service provider to complete the necessary repairs at a cost of {$440.00}. 

On or around XX/XX/XXXX, I submitted a chargeback request for the {$310.00} repair fee and mailed the dispute acknowledgment form along with supporting documentation to Synchrony Bank. On XX/XX/XXXX, I was informed that the charge was deemed valid and that your team had not received my documentation. 

On XX/XX/XXXX, I received a follow-up letter from Synchrony Bank XXXX XXXX earlier chargeback request. The letter invited me to contact your customer care department if I felt the issue had not been appropriately resolved. On XX/XX/XXXX, I called to address the matter. However, on XX/XX/XXXX, I received another letter stating that my chargeback request would not be honored. 

I respectfully contest this decision. My claim is based on the implied warranty of merchantability, which ensures that a repair should restore the product to proper working condition. XXXX XXXXXXXX XXXX failed to deliver a lasting solution, forcing me to seek additional repairs from another provider. 

I kindly request that Synchrony Bank reconsider my chargeback request and support my claim. Attached to this letter, you will find all relevant documentation, including receipts, service records, and correspondence related to this dispute. 

Thank you for your time and understanding. I look forward to your prompt resolution of this matter. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Upon checking my credit report today, I found incorrect accounts that I can not explain. I check my credit report often, but this time, there were unexpected errors. I even tried refreshing the page, assuming it might be a technical glitch, but the inaccuracies were still there. As a result, I am asking for a detailed review of the documents I have provided to resolve this issue permanently.
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. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) 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. The accounts I reported as inaccurate on my credit report are XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX
Product: Credit card or prepaid card

I received another bogus letter from Captial One XXXX XXXX XXXX XXXX XXXX XXXX, Utah XXXX dated XX/XX/XXXX I called XX/XX/XXXX at XXXX the phone number and spoke to a representative named XXXX that could not reference the letter without my full ss # and never asked for the account no. there is no way anyone should give an ignorant person there full ss # or any other personal information, if they don't how to access an account by name or account no. who has to be a fool. 
Dear XXXX XXXX We need to verify some additional information on your account that was opened on XX/XX/XXXX to help keep you account safe and any authorized Users won't be able to make transactions using any credit card issued under the account until you contact us. 
Please call our Fraud Department at XXXX anytime, seven days a week, to verify your information. 
if you have already spoken with us and your case has been resolved, you can ignore this letter and there's no need to call us back. 

Sincerely, Captial One Customer Care Team
Product: Credit card

I am trying to remove my authorization from JPMorgan credit card. I called JPMorgan Chase credit card member services to ask for the removal of my information and authorization from this account but the said to me, I couldn't remove myself from the account. The member services representative said I had to get the card holder to call or get on the app to release my information.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act ( hereafter referred to as " FCRA '' ), Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
Therefore, I am demanding to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
Product: Credit reporting or other personal consumer reports

I acquired my credit report and asked the credit bureaus to check and make sure everything was complete and accurate according to 15 USC 168i ( 5 ) I received the notification that the investigation was completed and notice a lot of things were still the same. XXXX, TransUnion XXXX did not modify or remove inaccurate information from my reports. Personal information such as addresses, account open dates, last active days, balances, dates of last payments and payment history data are not correct which is a violation. I am a XXXX  XXXX  XXXX  of XXXX and this is impacting me from moving forward to buy the car I need to go to work everyday. I attached my credit report and highlighted the inaccuracies they didn't removed
Product: Checking or savings account

Dear Sir/Madam, I am writing to formally file a complaint against Revolut Ltd , a financial services company, regarding the arbitrary closure of my account and their handling of disputed transactions. 
I have been a customer of Revolut Ltd for over two years and have generally had a satisfactory experience with their services. However, recently I have faced issues that put the integrity and reliability of the financial institution into question. 

In XX/XX/2023, I initiated a chargeback request against a company named XXXX, which I believe manipulated trading results to their benefit. I followed the proper procedures and presented sufficient evidence, including screenshots and documentation, to support my claims of unfair trading practices. My request was declined by Revolut Ltd, citing regulations and rules without adequately investigating the matter. 

Soon after this, I discovered that my Revolut account had been permanently closed without any clear explanation. I was merely advised to check their Terms and Conditions under Clause 24, which outlines possible reasons for account termination. However, none of the conditions listed apply to my case. 

The timing and manner of these actions have put me under immense financial and emotional stress. Revolut 's actions appear to be retaliatory following my dispute with XXXX, and I question the ethics behind such abrupt and unsupported decisions. This situation has not only caused me financial loss but also shaken my faith in the financial system that is supposed to be secure, transparent, and customer-friendly. 


Thank you for your attention to this matter. I look forward to your swift action. 

Sincerely,
Product: Student loan

I've messaged Mohela on 3 different occasions requesting a confirmation response. I'm hoping to direct my extra payments to my principal. I've been trying to do this since student loan payments began in XXXX since then I've been waiting for them to respond with no luck, all the while I'm being punished by my interest that continues to accrue. 

I messaged them in the beginning of XXXX, end of XXXX, and again this week. 

I attempted to call them by phone earlier this week and waited for over 2 hours without anyone picking up.
Product: Vehicle loan or lease

It ( credit report ) says : XXXX XXXX XXXX Last reported XX/XX/XXXX {$13000.00} Open balance 14 SANTANDER Original creditor XXXX   Opened XX/XX/XXXX ( 3 yrs, 2 mos ) ( not true ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original creditor name 14 SANTANDER
Product: Debt collection

Received letter from Nationwide Credit , Inc. dated XX/XX/2020 alleging I owe {$690.00} to creditor XXXX XXXX and merchant/account type XXXX XXXX. This is not my debt. I have notified Nationwide Credit , Inc. this is not my debt and requested they mail me documents supporting this claim and to stop all all communication with me. I have also asked them to record that I dispute having any obligation for this debt.
Product: Credit card or prepaid card

Hello. I applied online for the Chase XXXX XXXX credit card on XX/XX/XXXX, at XXXX XXXX. central time. XX/XX/XXXX was the last day for a particular promotion attached to this credit card. The terms of the promotional offer were to receive XXXX XXXX points after completing $ XXXX in spend in first three months, as well as DOUBLE ELITE NIGHT CREDITS thru XX/XX/XXXX. This is the part of the offer they are telling me I will not be receiving. This is the most important part of the promotion, as I am trying to maintain my globalist status with hyatt for XXXX and I absolutely planned on taking advantage of the double elite night credits to achieve this. 

I did not receive immediate approval for the credit card. On XX/XX/XXXX I called the Chase reconsideration phone line, and was approved. This is obviously within the 30 day period that I initially applied. I have been advised by a lawyer that they must honor the offer I originally applied under, if approved within 30 days. 

So, this is my complaint. While on the phone with chase representative on XX/XX/XXXX, immediately after being told I was approved, I asked for confirmation about the promotional offer I would be receiving. I was told that the offer I will receive will be the offer that is available as of the date of my approval, NOT the date of my application. This is my main complaint today. The offer available on XX/XX/XXXX did not include the double elite night credits. 

Can you help me with this issue? Thank you very much. XXXX XXXX
Product: Money transfer, virtual currency, or money service

Someone messaged my sister in law to buy my computer. Eventually they began to email and text me and the emails provided included XXXX and XXXX  XXXX XXXX images and an initial email that looked legitimate. I have never used XXXX on such a level and so the scammer had stated about a business account versus personal and it needing to be upgraded. They have assured me that would send additional money to cover my loss and so I sent money to them as a refund but never received the initial credit. I received another email stating to do the same but double the amount and from there knew something was wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

There has been several inquiries that I did not authorize. 
XXXX XXXX XXXXXX/XX/XXXX US Small Business Admin XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX I would like these removed from my credit report as I did not authorize these inquiries.
Product: Mortgage

XXXX XXXX XXXX formerly known as XXXX XXXX XXXX ( XXXX  ), among other names. They were suppose to be helping me from being foreclosure on, by buying my home and selling it back to me. But this was all a scam in the name of XXXX XXXX XXXX, which I had never heard of and wasn't told about. I'm XXXX years old and this is the worse predatory lending scheme that I have ever seen. Nevertheless, they brought my home, that I've lived in all my life and sold it back to me at a rate of 6.375 %. I was told that I could refinance later for a better rate. Well, a few months ago, I attempted to refinance to get a lower rate. But to my surprise I found out that I had to pay XXXX XXXX XXXX $ XXXX in order to refinance my home. They had also put a lien on my property that I wasn't even aware of. I was being held hostage. The longer I stay with them, the more I'll have to pay. They were stealing the equity in my home and I didn't even know it. I have enclosed a copy of my Notice of change Circumstances from XXXX XXXX XXXX, the company that I refinance with. Please help put a stop to this type of Mortgage lending greed by XXXX XXXX XXXX aka XXXX XXXX XXXX, the wolves in sheep clothing.
Product: Debt collection

My wife and I always accepted there calls. we ask them not to call a certain number due to my parents are sick XXXX.They still call. I spoke with XXXX XXXX she said she was a manager i explain to her that I was n't working I was trying to get my paper work in from the doctor so I can return back to work that I will send a payment in soon as I start receiving my pay check. XXXX XXXX made a statement saying do n't you need to go and aply for food stamps. I think that is very unprofessional. I ca n't help I had XXXX I was paying on time never missed a payment.
Product: Credit card or prepaid card

I have two credit cards, one from XX/XX/XXXX and one from XX/XX/XXXX. They both stopped working a few days ago and I looked at my accounts and saw my authorized user had overcharged. I assumed this was the problem and told him to pay off his charges. He paid them off yesterday and then informed me today he received a letter informing him of the closures. I called today and found out that indeed both cards had been closed and the only reason they could give was that it was based on a past closure. I do not have a past closure so I am assuming my authorized user is the culprit here. I do not understand though how this would affect the other card that he is not connected with at all. And if he was the one they were closing it over why not just remove him from my account instead of closing all my cards? These are Chase cards.
Product: Student loan

Back in 2009 I had a student loan that was issued before the federal aid was able to be applied. When the federal aid was applied, the loan was refunded back to Conduent but my federal student aid account still shows an outstanding balance for the original loan. When Ive spoken to their loan service rep, they said that the loan was refunded and that I dont owe anything and would send the corrected information to NLDS to reflect that I dont have a balance but they never did.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed the inaccurate negative mark on my Experian credit report which Experian did not look at all of my supporting documents showing that the balance was paid in full. I sent in numerous documents that showed tenant total balance is XXXX  and they still reported the account as accurate. I also sent in emails from the Tennessee Housing Development Agency coordinators stating that I do not owe this debt but it was still reported. I need for Experian to look over all of my documents that I had sent to them XX/XX/2018 by U.S. postal service mail. I have disputed with all three major reporting agencies. XXXX  has updated my dispute to reflect this account is closed and is no longer reported through XXXX. I am still waiting for XXXX to complete their investigation at which time if my documents are not correctly investigated, XXXX  will be reported as well. I have several emails from my THDA   Section 8 housing coordinators stating that this debt is fraudulent and I should not pay it because there was no verification of money owed. It also states that if this is reported on my credit that I should pursue criminal charges against the property manager of XXXX XXXX. which I have in pending status Thank you.
Product: Money transfer, virtual currency, or money service

I would want to formally voice my concerns about Zelle 's dispute resolution process, especially in view of the recent CFPB action that brought to light serious problems with the platform. Despite my repeated use of Zelle and my reporting of inconsistencies, neither Zelle nor my banking institution sufficiently looked into my claims. They told me that it was impossible to track these transactions and to reclaim lost money.According to the CFPB 's findings, Zelle has not only failed to safeguard customers but has also let repeat criminals to take advantage of the system, making users susceptible to fraud. The absence of transparency and accountability is intolerable and poses major risks to the safety of customers.
Product: Debt collection

Account was open as a result of fraud. 
under the Fair Debt Collection Practices Act this disputed item may not appear on my credit report if it can not be supported bv any evidence.15 USC 1692 ( g )
Product: Credit reporting or other personal consumer reports

opt out letter sent to company, rescinding/revoking their ability to report on my consumer report on XX/XX/ receved by company on XX/XX/, 27 days later they have not complied they were given 10days whiach would have been XX/XX/ certified mail # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion has not properly investigated the items below. I am requesting they be removed from my report pending a thorough review. 

ACCOUNTS XXXX XXXX not mine XXXX XXXX XXXX not mine XXXX XXXX not mine