23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Complaint is in regards to Bank of America 's misleading and deceptive loan practices for customers seeking to refinance their home mortgages and pulling a customer 's credit score without authorization. Prior to 'locking-in ' a refinance rate with Bank of America on XX/XX/19, I was assured by a Bank of America Snr . Mortgage Lending Officer that Bank of America would " beat '' another lenders offer and highly encouraged me to seek competing quotes. As an existing Bank of America customer, this was appealing because it ensured I had the option to shop around. Two such quotes I received were more competitive than Bank of America 's. One was granted the exception on XX/XX/19 and even though the same Sr. Mortgage Lending Officer assured me that the second exception would be obtained ( emails attached ) -- it was ultimately " not approved '' on XX/XX/19. This deceptive practice then forces the customer to decide if they pay a higher rate, or waste the time, money, and negative implications to their credit by beginning the process with the other lender. While I believe I was blatantly mislead over the course of my dealing with Bank of America, I no longer trusted them and will now incur the loss of {$1100.00} cost for an appraisal, 3-months lost savings from the better refinance rate, negative impact to my credit due the hard inquiry, and potentially higher refinance rates/costs with the other lender due to dynamic market conditions.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX 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, XXXXXXXX XXXX  actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation
Product: Credit reporting or other personal consumer reports

Company written off credit and did not provide 1099c
Product: Checking or savings account

My debit card was charged 6 times in an interval of 2 days by a company Called XXXX XXXX for around XXXX dollars it was a online charge done in the middle of the night i reported to Citibank on the same day and they hace done nothing about it and they even charged me an overdrawn fee.
Product: Mortgage

This is the second time ( 3rd if you count XXXX XXXX XXXX going into the transfer to Green Tree ) that I have submitted full modification application to either state it was lost or incomplete. The latest and one which generates this complaint comes from Ditech. On XXXX XXXX, XXXX, I received a certified mailing with a letter dated XXXX XXXX, XXXX. Ditech stated they would not be reviewing my application due to my failure to submit the itemized missign docs. This is absolutely untrue. On Juanuar XXXX, XXXX, XXXX Central time, Ditech was sent XXXX doc, a copy of my check stub ( which I sent with the initial package ), copies of my XXXX taxes, and a signed XXXX ( a document I also previously signed ). I have included a fax receipt, the fax took a total of 3:38 seconds to complete teh fax number is XXXX ( as noted on the fax ). I can also obtain independent phone log if Ditech wishes to have additional proof. I am so tired of the runaround from Ditech, it 's obvious they are wanting to foreclose. Ditech also stated, it is my responsibility to call XXXX, my assigned rep. I have advised on countless times, I am hearing impaired, offer alternatives, and seem to be the one making accommodations. Never once have I received any correspondence from XXXX, and I content Ditech is punishing me for having a XXXX. I sending Ditech proof that I submitted the docs, per there portals, and also sending an email, fax, and have uploaded the proof on their website, however previous uploaded docs have disappeared.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have three allegedly open collections accounts on my Experian credit report from XXXX. XXXX, XXXX that I disputed years ago with XXXX and XXXX   that I have been trying to remove from my Experian report. I disputed these accounts with XXXX  and XXXX  that fell off due to not being able to validate the debt. Experian is not letting me dispute these accounts again when I do not know what these accounts are for. I do not remember incurring these charges with the original creditors. I also have an outstanding collection from XXXX XXXX, another I do not know what it is for, on Experian, which has been successfully removed by XXXX  and XXXX  for failure to validate the debt. I would like these taken off my Experian report as they have been deemed invalid by two other bureaus.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Due to the multiple data breaches across the country, including the exposure of personal information such as my Social Security number, unauthorized accounts were opened in my name. As a result, my credit report was negatively impacted, and I was recently denied a mortgage while trying to purchase a home. All unauthorized accounts have been listed in this report for further review and action. 

XXXX XXXX XXXX XXXX XX/XX/year> {$69000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The XXXX credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

Hello its been 6 months to a year and I have not gotten any results back. The only response Ive been getting is that it been verified .I want to know who verified it. By law in 30 days the accounts are suppose to be remove if no verification been provided.
Product: Prepaid card

On XX/XX/XXXX I call Way2GO for a unauthorized transactions that was the year of XXXX, XXXX, and XXXX I know it's been a while for this action due to not having excess to the account or without my knowledge of these transactions happening in those years. Way2GO open up an dispute and ask for me to send an questionnaire of fraud form within 10 days to receive an provisional credit, I sent the forms back and try my best to sent other documents as well, this is so new to me that I had No idea that money was being sent to that account and a card was use I had No known of this action. So now, it's time for a decision to be made for both dispute and waiting on the phone to speak with the dispute team for over XXXX minutes just to get denied for both provisional credit. Way2GO open the dispute, I sent in documents, and in all rights get denied, if they knew they were going to let my dispute sit for 10 days to deny my dispute why would I be told to file a claim and deny the dispute, they stated that this is to far into the years old but if I had known of these unauthorized transactions before now I would have made a claim before now, I had no knowledge of these unauthorized transactions and they knew of this before I know it, the company has excess to that account, I get no communication or anything about funds going into a account. I very upset about this issue. I have informed the company that my name has changed from XXXX XXXX to XXXX XXXX I got married in XXXX so the company can find me using XXXX XXXX my maid name.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern : I am in a house process and I have request to Equifax, even fax proof to remove a collection company reporting on my credit report. Equifax has fail to remove this collection that was paid in full and I need it to stop reporting on my credit, this collection has to ve removed. 

the company itself is XXXX and I need this removed from Equifax. 
please remove this paid collection from my credit report. you are hurting my family to a better possibility of owning our home.
Product: Debt collection

Penn Credit Corporation are attempting to extort and rob me using deceptive, misleading, and abusive practices against me personally, my family, and my household. This is criminal activity at least and unacceptable by every means. This is notice that I do not recognize the Respondent from which the Claimant has received a computer-generated account statement, and I must necessarily dispute, part, or all, of the alleged debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Phoenix Financial is a debt collector that is reporting on my credit report that I owe them medical debt through a hospital that doesn't exist, the present hospital have no record of any outstanding balance on record. The doctor claim that Phoenix Financial is trying to scam me and doesn't have any idea what I'm talking about after contacting every hospital on XX/XX/2019 that this doctor affiliated with. However, doctor XXXX XXXX XXXX stated that this is fraud by this collection agency and I should seek legal action. I try to provide my Insurance information to this company which they inform me that they can accept medical card only credit card. I offer to pay {$99.00} to this company to delete or removed this debt from my report which I have on recording, I never received and email or a tax 1099 but I believe that this company is a scam. I would like a detail investigation in this matter and a lawsuit against this company for falsely obtain information through medical data and scamming innocent families.
Product: Checking or savings account

On XX/XX/2020 I was charged NSF fee even though there was enough money in the bank. On XX/XX/2020 I was again charged NSF fee even though there was enough money in the bank albeit there was a pending charge. On XX/XX/2020 I was again charged NSF fee on that pending item. So was charged twice for the same item. On talking with my bank they said it happened during processing so I would not be able to see where or how I was eligible for the NSF fee. This reeks of dishonesty and is definitely not transparency.
Product: Credit card or prepaid card

I
sent in a payment of {$630.00} to my TD Ameritrade credit card on  XXXX / XXXX /2017. The check cleared on  XXXX / XXXX /2017. The payment never posted to my TD account, so I called card services to explain the issue. They told me to fax   them a copy of the check. I did this, and called them twice or so weekly for a month or two until they told me to send it again. I sent it again, did the same thing for a month or two, then I got a letter telling me to mail in the copy of the check because they " did n't have enough information '' ( even though I provided them with every bit of information they requested from me ). After mailing it in, an calling multiple times per week for a month or so, they finally confirmed that they have the copy of the check.
They say that even though I provided them proof that I payed them, that they can not locate the check, and continuously tell me to call again later/re-send in the copy of the check.
I have provided this company proof that I sent the check to them, and that they cashed it, but they continue to not post the payment to my account, which has been accumulating interest fees and late fees for 7 months now. They tell me that if they mistake s on their end that they will reimburse the fees and fix my credit score, but they have zero effort to do so. It is well past the point of negligence on their part.
Product: Credit card

I have received two credit cards offer from the so-called Experian. On XX/XX/XXXX, at XXXX, XXXX offered the card. And on XXXX, the offer from same email address stated XXXX your {$600.00} balance to a new card. ' I just wonder why so called Experian used its knowledge of my personal information, which was the total amount of my monthly charge, for its credit card offer. From the beginning, this company is supposed to keep the privacy of the client as a credit report company ; if my understanding is correct. Otherwise, I would like to ask you how people can determine one company is reliable, if that company uses the personal information for its own purpose. As a XXXX, it is difficult to understand.
Product: Credit reporting, credit repair services, or other personal consumer reports

there was a credit card in the amount of XXXX $ opened in my name with out my knowledge i disputed that as fraud i provided them with a police report iA FTC REPORT in the lest year they still refuse to remove it without any evidence they are keeping it on the report i provided a latter from the company in which the company states that the account is fraud
Product: Payday loan, title loan, or personal loan

I originally took out a loan with Regional finance located in XXXX, Wisconsin because I was feeling the effects of the corona virus and had a loss of income. This was from a check that was sent to me in the mail without applying. When I was having issues repaying the loan back their only option to assist was for me to take out an additional loan. I spoke with XXXX the manager at that location. I ended up getting a larger loan, which was not in my best interest, but I didnt have any other options. This also allowed me to defer my payment for a couple months. When it came time to make my first payment I did not have enough money because all my other credit cards were also neglected, along with my rent, my car payment, and utilities. I was in constant contact with them regarding them ; I reached out weekly. The loan is at a 50 % + interest rate and the apr is also 50 % + rate. I told them what I could afford and they were not willing to work with me. I eventually spoke to XXXX again and asked if the work with XXXX programs and she said yes. This is a non for profit company ( XXXX XXXX ) approved by the government to assist with lowering the interest rate with lenders. They refused the proposal send from this program and told me they would like to rerun my credit again and approved me for a new loan. They are not willing to assist when the goal for the past 5 months has been to make affordable payments with a reasonable interest rate due to the effects Ive felt with the corona virus. They will also have told me they will no longer contact me because I reached out to a non for profit program ( a 3rd party ) to assist. I feel I am being taken advantage of and my hardship is being used against me for their own profit.
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 ( CRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 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.
Product: Credit reporting

XXXX XXXX XXXX XXXX. This Student Loan was discharged XX/XX/2016 by the SSA due to my permanent XXXX. I am currently receiving XXXX payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts do not belong to me. Please remove the negative items as soon as possible, because they are hurting my credit. 

XXXX XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX  XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX XXXX. Identity Theft ALLY FINCL Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

I had a prepaid card with Cash App ( XXXX bank ) for which I had to dispute a purchase because of goods not being as described. This is a legitimate reason to dispute a purchase, but Cash App referred to it as a violation and deactivated the card, making it impossible to use the money loaded onto it.
Product: Credit card

On XXXX, 2023 I, through my banks bill pay, accidentally made a payment to a closed Chase bank account. it should have gone to my XXXXAmazon Chase card. I have made repeated attempts to have this money refunded and they give me a run around. it has now been almost 4 months and they have refused to give the money back. XXXX XXXX XXXX XXXX ( my bank ) and their bill pay service have tried to assist with this, but I have yet to get the money back. I am a XXXX citizen on a fixed income and this is causing me a financial burden and stress causing health problems. I would like a solution to this problem. Neither bank appears to know what they are doing. I can't believe these people are in control of the little money I have!
Product: Credit reporting, credit repair services, or other personal consumer reports

This issue has been going on and on and on with this bank and I can never get anyone to help me. I have NEVER been late however THEIR system is so laggy and after I make the payment it doesn't process it until AFTER the due date. I MAKE the payment on time and the system posts it seemingly whenever they feel like it. 

I have ALL the proof in the world, I have conf # 's and print outs showing it was BEFORE my due date, I have made payments with reps on the phone to prevent this. 

They are completely destroying my credit with this, what I Can only describe as a scam, I have shown them all this proof they completely ignore it. 

Its either human error or the payment system but either way this issue is not on MY end, I'm making my payments on time as you can see from my proof ( and this is just one of many )
Product: Credit card or prepaid card

They have declined to put me under the SCRA law. All of my other credit cards did not hesitate to give me this right as a servicemember to be charged less than 6 % interest. My complaint is that JPMORGAN Chase only seeks financial gain without even trying to help their service members. I am XXXX XXXX and I requesting to have a low percent rate from Chase, as required by law. With numerous attempts to get a lower interest rate, Chase continues to decline my right. This is my last resort before I take them to court with other servicemembers and we will all seek our benefits and rights. They keep charging me stacked on interest even if I don't use my credit card! This is highly illegal. Chase is doing a lot of things not the legal way.
Product: Debt collection

XXXX XXXX informed me ICS states I owe XXXX as of XX/XX/2019.I know XXXX XXXX XXXX XXXX . Trailor park used my information to get XXXX XXXX, without my knowledge.I rented a eoom from him. His exwife told me the bill was in my name. I dont owe this.He did thid without my knowledge.
Product: Debt collection

I received information from you attempting to collect the Above Listed alleged debt. Your initial communication to me of this alleged debt was within 30 days ago. Please be further advised, I dispute the validity of this alleged debt in it entirety. Be further advised that I request the name and address of the original creditor along with an agreement with my original WET signature binding me to this alleged debt.You are illegally attempting to collect an alleged debt and money at that I do not owe. As per the law seized in desist all collection activities including credit reporting agencys Please comply. 





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Product: Checking or savings account

I received an email on XX/XX/21 stating possible fraudulent activity on my Visa debit card. 
I called the # provided and was told that World Remit had taken on XXXX taken {$240.00} & {$160.00} from my account on XX/XX/21. I checked my account and found another {$19.00} was taken on XX/XX/21. I went to my bank ( XXXX ) that morning and changed my ATM card #. I was then told to call customer service to get my money back. I called this morning and was told that this would take up to 10 days if it was found to be fraudulent. 
The fact that I received the fraud activity email immediately, why was the withdrawal allowed? Why isn't there a verification required as with XXXX? 
I've noticed that other states have World Remit listed for complaints
Product: Credit reporting or other personal consumer reports

This is my second-time requesting that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I opened up a CitiGold checking account back in XXXX 2016 using a promotion that would give me XXXX ThankYou points once I have made XXXX bill payment for XXXX consecutive months. I completed that requirement in XXXX 2016 and had n't seen my points posted yet. I called several times since XXXX 2016 and the rep confirmed that I would see my points within 60 days after completing the requirement. It has been 5 months and I still have not received my points.