23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My name is XXXX XXXX. This is my second complaint regarding Chase Banks loan assumption application process. I am trying to assume my own mothers mortgage. This application has been opened in XXXX XXXX chase banks intent is to keep asking for additional documentation frivolously in order to run out the clock and exhaust my interest in the process. To date, they have needlessly requested additional documents for the fourth time. I had already provided them with all possible documentation during the first three requests. Attached is the fourth document request, that is beyond redundant and necessary. They have all the information already requested. They also have enough financial information to asses and decide on my risk profile to positively underwrite the mortgage assumption yet they are creating this artificial barrier with the intent to deny.

I need your help to have Chase underwriting team to review my application and approve the loan assumption. Otherwise, I demand Chase underwriting team to reach out to me and clearly articulate what documentation they need and how their approval process works. In my conversation with the representative XXXX XXXX ID XXXX on XX/XX/25, when asked if I can speak to the underwriting team, he couldnt connect me stating that Chase Underwriting team doesnt call customers. This is intentionally designed to hide behind some opaque process with lack of transparency and customer care.
Product: Money transfer, virtual currency, or money service

Took my money no live agent to dispute claim $ XXXX
Product: Credit card or prepaid card

I canceled my account with Citibank {$200.00} secured balance and now they keep charging me late fees. 

XX/XX/XXXX LATE FEE- XXXX PAYMENT PAST DUE {$40.00} Date Description Amount XX/XX/XXXX INTEREST CHARGED TO STANDARD ADV {$1.00} XX/XX/XXXX INTEREST CHARGED TO STANDARD PURCH {$2.00} Total fees charged in XXXX Total interest charged in XXXX  Days in billing cycle : PURCHASES Standard Purch 24.74 % ( V ) {$120.00} ( D ) {$2.00} ADVANCES Standard Adv 27.49 % ( V ) {$49.00} ( D ) {$1.00} Customer Service XXXX XXXXXXXX www.citicards.com Total fees charged in this billing period {$40.00} Total interest charged in this billing period {$4.00} {$200.00} {$29.00}
Product: Debt collection

XXXX hired a 3rd Party to get people to switch phone companies. It was a better offer, so i decided to go with the plan.I went into the XXXX store to get the phones activated and the people in the XXXX store told me the 3rd party had done the switch wrong, so they told me they would cancel the first account and create a new one and notify the 3rd party what had been done. Apparently, the 3rd party was never notified so I was being charged on that account as well. This was all done in 2014 and XXXX XXXX is not showing a date of last activity on my credit report.
Product: Credit reporting or other personal consumer reports

Company consistently providing inaccurate information on document that will be attached to claim this company is continuously reporting this account as a charge off which is against the law the date las t active and last payment date is incorrect and this has been charged off it should not be reporting a balance owed
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Credit Bureau : Experian I hope your day is going well, I need your help. I pulled a copy of my credit report and noticed a fraudulent accounts. I am a victim of identity theft, and did not make the charge [ s ] .This  incorrect information on my credit report is causing problems when I try to apply for credit. I did some research on how you handle consumer disputes. I believe you use a system called E-Oscar to handle investigations. Please do not rely or do the investigate using this system because its not 100 % accurate. I really need your help because at this point I dont know where to turn. Please investigate this matter, and get back with me when you are finished. I am writing to dispute the following information on my file. Please update, modify or remove any account that is not reporting with 100 % accuracy. I will be passing this updated response letter over to my attorney for review since I dont know a lot about trying to remove or fix inaccurate information.I noticed that you verified that the items listed in the bankruptcy were correct. My attorney told me to ask you the following questions. ( 1 ). How did you verify these inaccurate accounts? ( 2 ). Did you talk to the court and if you did who did you talk with at the company. ( 3 ). Can you provide me with the contact number and name of the person you talked to? I demand the following accounts be corrected or removed immediately. I noticed problems with the following accounts are fraudulent : XXXX XXXX XXXX XXXX Date opened : XX/XX/2018 Account number : XXXX Balance : {$23000.00} XXXX   XXXX XXXX  XXXX  Date opened : XX/XX/2018 Account number : XXXX Balance Loan Amount : {$14000.00} XXXX XXXX  Date opened : XX/XX/2018 Account number : XXXX Date opened : XX/XX/2018
Product: Bank account or service

Citibank ran a promotion XX/XX/XXXX where customers who open a checking account with at least {$15000.00} and keep a balance of {$10000.00} for the next 30 days will receive a {$400.00} bonus offer. I have met the requirements of this offer and have been repeatedly promised by Citibank that the bonus is on its away. Despite opening internal case resolutions, I still have not seen the amount deposited and I have been getting the run around.
Product: Mortgage

Hello. Due to the coronavirus pandemic, my fiance lost his job on XX/XX/2020. We have a mortgage together with Caliber Home Loans. We called to find out whether we can defer at least a payment or two and were told that the only program they have available is forbearance. We can forbear our payments for up to three months, but at the end of that period, all payments " missed '' would be immediately due. How is that supposed to help anyone at this time????? I just looked on their XXXX page and that is the same complaint everyone is having. I provided other consumers with the link to this complaint page and was removed from the Caliber Home Loan page. 

In addition, we had work done due to a mold issue, and they had to co-sign on the check provided to us by the insurance company to give to the construction workers. We have never been late, ever, on our mortgage, and nothing is due to them at this time ( until XX/XX/XXXX for next mortgage payment ) yet according to what I just saw online today, they are only signing off on half of the funds.
Product: Money transfer, virtual currency, or money service

Between XXXX and XX/XX/XXXX, I sent over {$320000.00} USD in ACH payments through PingPong to a supplier XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The supplier failed to provide the agreed-upon services, admitted in writing to serious fulfillment issues, and used fake tracking numbers to misrepresent shipments. 

From late XXXX through XXXX XXXX, I made repeated attempts to contact PingPong to open a dispute. I sent multiple emails, submitted documentation, and tried contacting them through live chat and the phone numbers listed on their websitenone of which worked. I received no response for over two months. 

Only after opening a dispute with XXXX did I receive a brief two-sentence reply from PingPongnot through any of the email threads I previously usedstating that the supplier confirmed they provided services. It was clear they never reviewed any of the evidence I submitted. 

PingPongs failure to provide support or investigate this case properly has left me without any path to recover my funds through their platform, despite clear evidence of fraudulent and deceptive practices by the supplier. 

I am requesting immediate regulatory review and action to hold PingPong accountable and help facilitate the recovery of these funds.
Product: Credit reporting or other personal consumer reports

XXXX - XXXX XXXX XXXXXXXX - XXXX XXXX - XXXX I am submitting a formal dispute regarding late payment entries reported within the past two years on my credit file. These late payments resulted from unauthorized interference with my financial accounts due to a cybersecurity breach on my mobile device. As they are not a reflection of my financial behavior, I am requesting their immediate removal.

Issue Summary : I unknowingly downloaded a VPN application on my mobile device. This VPN, intended for privacy protection, contained security vulnerabilities that allowed unauthorized users to access my device. As a result : Unknown third parties gained access to my financial login credentials.

My automatic payment settings were altered without my knowledge.

This interference led to the late payments that are now inaccurately reflected on my credit report.

FCRA & Federal Violations Committed : Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting inaccurate or unverifiable data. Since these late payments resulted from unauthorized external interference, they are inaccurate and must be removed immediately.

Additionally, under FCRA 1681i, I have the right to dispute any information that can not be fully substantiated. The late payments in question do not meet verification requirements due to the nature of the incident.

Furthermore, the Electronic Fund Transfer Act ( EFTA ) 15 U.S.C. 1693g ( a ) states that consumers can not be held liable for unauthorized electronic transactions. Since my account settings were tampered with, these late payments were not my responsibility and should not be attributed to me.

Requested Resolution : I am requesting the following actions : Immediate removal of all late payments from the past two years that were impacted by this unauthorized interference.

A written confirmation verifying that these late payments have been removed.

A compliance review to ensure that my account information is reported accurately in accordance with federal regulations.

If action is not taken to resolve this matter, I will have no choice but to pursue small claims court proceedings to ensure that my rights under FCRA and EFTA are upheld. However, I trust that in good faith, you will follow the law regardless, and I hope this will be resolved amicably.

Please confirm resolution of this dispute at your earliest convenience.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries on my transunion credit report that I didnt apply to. 

XXXX XXXX XXXXXX/XX/2024 XXXX XX/XX/2024
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$7700.00}, {$4100.00}, {$19000.00}, {$6400.00}, {$37000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7700.00} -This is not my account. 

2. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4100.00} -This is not my account. 

3. XX/XX/XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$19000.00} -This is not my account. 

4. XX/XX/XXXXXXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$6400.00} -This is not my account. 

5. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$37000.00} -This is not my account.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still items that need to be addressed again and corrected immediately. The three credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate items in my report : 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, credit repair services, or other personal consumer reports

Under the Fair Credit Reporting Act, 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( a ). XXXX XXXX account number : XXXX. I demand you remove these entries immediately. According to the Fair Credit Reporting Act you are illegally reporting this account. Once the debt is charged off it becomes income to the consumer which is illegal to be reported. 
I will be filing a complaint with the Consumer Financial Protections Bureau., ( 1. ) ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( 2. ) Topic No. 431 Canceled Debt Is It Taxable or Not? 
After a debt is canceled, the creditor may send you a Form 1099-C, Cancellation of Debt showing the amount of cancellation of debt and the date of cancellation, among other things. If you received a Form 1099-C showing incorrect information, contact the creditor to make corrections. For example, if the creditor is continuing to try to collect the debt after sending you a Form 1099-C, the creditor may not have canceled the debt and, as a result, you may not have income from a canceled debt. You should verify with the creditor your specific situation. Your responsibility to report the taxable amount of canceled debt as income on your tax return for the year when the cancellation occurs doesn't change whether or not you receive a correct Form 1099-C. 

The IRS considers this income and should not be reported
Product: Debt collection

Debt collector left messages for me and my sister this morning. Although I have an XXXX area code, I am currently residing in California and received the call at XXXX. The message simply stated they were trying to contact my mother, with no indication that they were a debt collection agency. My mother is currently suffering from an incurable illness, and both me and my sister immediately assumed this was a health issue with the vagueness and urgent tone of the message.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
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, credit repair services, or other personal consumer reports

Hello, I am filing this complaint against Synchrony Bank regarding the following accounts I have with this business. 

1. XXXX XXXX- {$3200.00} credit limit reinstated and corrected utilization for Credit report 2. XXXX XXXX- {$1000.00} credit issued to balance owed for interest and transactions per Customer service and correction to utilization for Credit report 3. XXXX  {$3500.00} Credit limit reinstated and corrected utilization for Credit report 4. XXXX XXXX XXXX - {$4500.00} refund check
Product: Credit card or prepaid card

XXXX advertises on their website that there is special financing with a XXXX credit card. I applied, was approved. Attempted to buy a lawn mower on the same XXXX website advertising special financing with the XXXX card and you can not even use the XXXX card on their website. When I called XXXX customer service they informed me that something happened about a week ago and now people can not use XXXX card on their website. They have known this for a week, but people like me, are allowing a hard credit pull to be done because we apply for the card and then can not even use it. I asked customer service to connect me to anyone who can take my order over the phone and they informed that they can not accept the XXXX card even with a customer service agent. Now I am left with a hard credit pull, a useless {$22000.00} credit limit. When I contacted TD Bank who is the bank the card is actually backed by, they were unaware that XXXX was having issues. 

It is unacceptable that XXXX has known about this for over a week and are still advertising this on their website and allowing customers like me to have their credit report pulled!
Product: Mortgage

I received an escrow disclosure statement from my mortgage company, Cornerstone Lending, letting me know that my escrow account is in arrears by {$8000.00}, giving me XXXX options to resolve the issue, 1 is to pay the {$8000.00} in full or spread over 12 months thus making my new monthly payment {$2700.00} beginning XXXX/XXXX/16. This is the first time I 've heard of my escrow shortage and I have less than a month to start paying this new amount since I do n't have $ XXXX I can just pay in 1 lump sum. I do n't have the ability to make a XXXX dollar payment for the next 12 months either. Talk about payment shock! I 've tried to communicate with the mortgage company to come to a solution to this but have n't had any luck. They have not given me any other options. I am afraid I will lose my home since I am not able to pay what/how they want me to pay. I am a single mom & only have XXXX income. I am already just barely making ends meet. I feel I was not made aware of what my true obligations would be when my loan originated, I feel it was so that I 'd be able to qualify to get the loan. I am at a loss and do n't know what else to do to resolve this issue. I am being set up for failure right from the start with the XXXX options they have given me.
Product: Checking or savings account

Wells Fargo now has an overdraft policy where if your account drops below XXXX dollars, you have until the end of the same business day to deposit money to bring the account into thr positive without incurring overdraft fees. I received an email from Wells Fargo yesterday stating that my account had reaached XXXX dollars. I immediately transferred the balance ( plus {$6.00} ), from my joint account ( which is attached to that one ). Today I was notified that I had three overdraft charges because the funds hadnt posted yet. This seems like a manipulation of when specific transactions post, since there is no reason it should not have posted by now when the other transactions have. At {$35.00} each, the overdraft fees overdrafted my account again! I spoke with two customer service representatives at Wells Fargo- one who wasnt even aware of the grace period where you can deposit money into your account before the end of the business day. She offered me, at best, a courtesy of 50 % off of each overdraft fee, which she assured was the best they can do. I barely said I guess ... and then once she transferred me to a higher-up, he made it sound as though he could have had the fees reversed, but they were locked now because she put the 50 % courtesy on them. What courtesy is it to pay {$53.00} for overdrafts that I covered??? I thought Wells Fargo was sued over flaky overdraft tricks like this. Im a XXXX XXXX, and at certain times in the month my account balance is close to {$0.00}, but I am always cautious and transfer money into it immediately when I see its low. I believe Wells Fargo intentionally pushed through those three transactions before my deposits so that they could charge me three times. They should make this right and completely reverse the fees instead of pretending theyre doing me a courtesy by charging me for fake overdrafts.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act : 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 XXXXXXXX, 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
Product: Checking or savings account

I opened a mortgage account with SunTrust 11 years ago and at that time a checking account was required in order for the monthly mortgage payments to be drawn. No other activity was done on this checking account other than the monthly mortgage payments. In XX/XX/2022 a {$25.00} maintenance fee was deducted each month. I didn't notice this until XX/XX/2022 and by that time {$100.00} had been deducted. I called Truist and learned the checking accounts are no longer required for mortgages and that a {$25000.00} balance is required in order to avoid the {$25.00} maintenance fee. None of this had been communicated to me. I immediately closed the checking account and a {$25.00} refund was issued but I am seeking a full refund of the remaining {$75.00}. I have letters at the time of the merger that stated nothing will change ; I phoned the bank at the time of the merger and was told nothing would change and no action was needed on the part of the customer. An inquiry with Truist was escalated for research on XX/XX/2022 but no response has been received. I've spent hours on the phone attempting to resolve to no avail.
Product: Credit reporting or other personal consumer reports

I DID NOT CONSENT TIO, AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING ACCOUNTS.
Product: Checking or savings account

ordered a XXXX return pallet it never came made a complaint thru the bank and they said they spoke with the company and they gave them a tracking number but I ordered a large pallet their discription of the package was light it was supposed to be a whole pallet of XXXX electronic returns. I feel like if I make a complaint with my bank about fraudulent practices the company should not be able to make up false documents I was looking for pallet that never came I am home all the time
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to make a dispute/access my credit report via straight from the Equifax website as well as over the phone on several occasions. When calling/accessing online I am asked to answer security questions, and when doing so ( on both telephone and online ) there is an incorrect error ( message or automative response ) that is without a doubt incorrect on THEIR behalf. I am unable to even SPEAK with someone from the Equifax department, or chat online, about disputing a FRAUDULANT item on my credit report because I am unable to get past this " fraud alert security screening '' process. This is ridiculous. I am trying to repair my credit score, which is exhausting enough, but when I do so, and I am unable to repair it because the credit bureau has the incorrect information makes the situation seem hopeless. Obviously, I have n't given up yet if I am submitting this complaint with you guys in hope that this problem is resolved.