23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

It is not clear to me as why these big banks such as Citi Mortgage will not assist a consumer with homes still upside down. I have been denied XXXX times for a short sale on my home that is clearly upside down by Citi Mortgage 's own XXXX. I am underwater by about {$35000.00} to {$40000.00} and is clearly shown on my financial papers that I can not afford the payment but yet because I refuse to ruin my credit and struggle to continue to make my payments by working XXXX and XXXX jobs just to barely make ends meet and putting myself further in other credit card debt they will not work with us. Since when is it a requirement and or why is XXXX and XXXX and Citi Mortgage allowed to control my credit by forcing me to go delinquent when all the other hard evidence should support them granting me an approval to sell. I have lost XXXX buyers for this home and turned down each time BECAUSE I WAS NOT LATE. I hold a XXXX license and feel it is my obligation to pay my bills on time as to be an example to other homeowners. This is completely reckless and irresponsible of the agencies to allow this and control this to the point of hurting me from obtaining credit in the future by not assisting me. It has been almost 3 years that I have been trying to sell in an already troubling industry and this just confirms that the larger banks and agencies truly DO NOT CARE FOR ANY CONSUMER. I have reached out to the CFPB before on his matter and there was no resolution. Also I find it ludicrous that I can not get pre approved for a short sale knowing ahead of time so I can get a bonafide offer but rather have to be in contract with a prospective buyer, trouble everyone for documentation such as real estate agents, buyers, and escrow companies only to be declined. Where is the protection to the consumer - I see none! Ruin your credit then we will consider helping you is not a motto anyone should be proud of. Our industry of which I have been in for 30 years is a disgrace and see no where that any of the laws and regulations and changes have helped rather make things much more atrocious. I have a XXXX and XXXX both with Citi Mortgage and the XXXX is owned by XXXX XXXX. Very disappointing that as a community of mortgage professionals we refuse to help people until they damage their credit. In the midst of all this I get a letter every month telling me my payment is past due but I seem to be able to make it by the end of month. I truly have a stack of XXXX letters from Citi Mortgage spanning over XXXX inches thick.
Product: Credit card

paid my payment in XXXX for XXXX but paid before generating charged a late fee, called and complained late fee removed paid in XXXX apparently again before due date but will not remove late fee because already had XXXX removed, no one bothered to explain if pay before due date then it would generate a late fee, still confused.
Product: Money transfer, virtual currency, or money service

It's really amazing and serious matter and as such I am sure the CFPB unfailingly takes the path based as " IMPARTIAL '' as it's do not advocate for one side, but for fair process, a transparent ones. Prior to I go further on main & important matter, especially over what sort of " fraudulent practices and games '' done by the U. S. BANK ie misdeeds and misconducts in other words committed Civil and Criminal offenses. Here are a very serious issue to be taken into consideration : U. S. BANK says something very good I QUOTE " '' To comply and meet regulatory guidelines implementation of any olicies or procedures does not occur without the most careful onixeratin. Our policies are designed to protect our customers as well as ourselves from unnecessary losses '' '' UNQUOTE. Moreover U. S. BANK as FUNNY/FRAUD it's says and I QUOTE : we were unable to verify the funds which remained in your account at the time of closure, the funds were withheld, therefore, there are no funds to return to you UNQUOTE this U. S. BANK said n it's letter of XX/XX/year> in light of these FRAUDY statement we must ask U. S. BANK how it's sent to me a " Cashier 's Check of {$1800.00} ''. Yes here is a very very extraordinary & top most important matter as U. S. BANK 'S own Statement of my checking a/c number ending in XXXX SHOWS that {$1800.00} was WITHDRAWNED on XX/XX/year> and AS A FRUAD it's kept this funds under RUG till XX/XX/year>. Too it's a surprising matter how and under what circumstances the Officials of the U. S. BANK weakuped very soon for issuing a Cashier 's Check after the LAPSES of long period means HOW BIG FRAUD it's committed.
Product: Checking or savings account

On XX/XX/2022 I wrote a check to XXXX California XXXX for {$210.00}. 

This check was intercepted from the mail, washed of the XXXX, part of the amount, and the Memo, to read payable to XXXX XXXX XXXX for {$410.00} and a Memo of " happy Birthday. '' The washed check was cashed by JPMorgan Chase Bank on XX/XX/2022. 

On XX/XX/2022 I reviewed my monthly statement, found the activity, notified JPMorgan Chase, XXXX California XXXX, and the XXXX California Police Department of what happened. The XXXX who came to my home ( XXXX XXXX XXXX XXXX XXXX XXXX  ) completed a report and assigned a casefile number of XXXX. 

Subsequently, in XX/XX/2022 I received notification from the XXXX XXXX ( CA ) District Attorney 's Office that there is a Court CaseNumber of XXXX for XXXX counts against XXXX XXXX XXXX relating to this incident. 

I have been working with the local JPMorgan Chase Bank branch, providing them with updates as I receive them, and the branch manager has also been working to get the {$410.00} reinstated to my account. 

As of my XX/XX/2022 checking statement ( pulled down online today ), the money has not been refunded to my account.
Product: Credit card or prepaid card

I used my Brand Source credit card to make a purchase on XX/XX/19 with a 48 month interest free payment plan. I did not realize that my online account was still set up on auto pay to deduct a {$220.00} payment, due to a previous purchase that had been paid off. I scheduled my calculated monthly payment for the interest free plan which was withdrawn from my account on the requested date, but the auto pay withdrawal also went through. When I contacted Brand Source they stated they would reverse the auto pay payment and refund my bank account for the withdrawn amount, which they did - but when they reversed the payment on the Brand Source account they created a separate Regular purchase, instead of putting the {$220.00} back into the 48 month interest free payment plan. So now my account is showing that I have a 48 month interest free payment plan and a {$220.00} regular purchase which is accumulating close to 30 % interest. I have contacted them multiple times regarding this and no one seems to understand what I am saying. My calculated monthly payment is now higher than planned due to the accruing interest on a regular purchase that I never made. I have already paid {$4.00} in interest due to their error and them not promptly correcting it.
Product: Credit reporting or other personal consumer reports

The accounts listed are attached to an address that was removed from my profile as they are not mines and inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  use XX/XX/XXXX XXXX XXXX XX/XX/XXXX state employees Credit XX/XX/XXXX I would like to be provided proof I consented to this inquiry via FCRA section 609 and 605 as well as the accuracy of this inquiry via FCRA section 623. If you have no proof immediately of any or one, I would like it removed immediately. 

By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.
Product: Checking or savings account

I didnt open this account and the bank doesnt want to work with me at all
Product: Credit reporting, credit repair services, or other personal consumer reports

more like 90 days ftc violations and hippa XXXX XXXX XXXX XXXX XXXX XXXX report number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX/XXXX/XXXX at around XXXX EST I received an alert that my credit had been pulled by One Main Financial. I promptly called XXXX and after not being able to get help the first time, I called a second time. During the second call, I placed a fraud alert on my profile and asked that the inquriy be removed as it was not authorized by me. The representative gave me the phone number XXXX to call One Main. When calling this number it goes to XXXX. The rep for XXXX Services l gave me the number to One Main FinancialXXXX, but when calling this number, they were already closed for the day. When I called XXXX XXXX XXXX back and tried to ask questions, the representative was acting as if I was XXXX in trying to find out XXXX One Main Financial is. She just kept saying over and over that " They are a separate company, you will have to contact them. '' It is ridiculous how much of a run around I received due to an unauthorized hard inquiry being placed on my credit by One Main Financial at XXXX XXXX XXXX, XXXX TX. I did NOT authorize this company to run my credit report for any reason and I would like this inquiry to be removed from my report by One Main Financial and or XXXX.
Product: Student loan

student loan reporting incorrect and inaccurate with all 3 CRA same account information on credit file reporting 34x, agency re-payment program unreasonable monthly payment request are not within my budget and all accounts merge as 1 account not 34 accounts, remove data from file ... agency violated FCRA provisions 605,607, 611 and 623 ( a )
Product: Checking or savings account

on XX/XX/XXXX I attempted to make a purchase from the XXXX XXXX XXXX store in XXXX, Ga. Store # XXXX. The amount was {$740.00}. The check was declined by a company named Certegy. This is the second time that they have declined a check without providing a reason other than " a computer algorithm. '' The first was on XX/XX/XXXX ( complaint # XXXX, filed on XX/XX/XXXX ) and was given the same response. I filed a complaint with this organization as well as the FTC. Certegy also, by their report sent to me, shares this erroneous information with other similar companies-specifically Chex Systems. It is  unacceptable that they will not provide the information to me that if I have detrimental or inaccurate information on file with their company, in order that I make correct any mistakes or to point out inaccurate info to them in order for them to correct it. It is also a defamation of character for them to share inaccurate information regarding me to others, especially after being notified of a dispute. I do not believe that this agency actually looked at my original complaint and simply accepted the " form Letter response that Certegy provided '' and closed the complaint.
Product: Credit card or prepaid card

I have BBVA Visa Card one year and 2 month. and wife have individual card in her name from BBVA VISA card, Bad news, BBVA Visa replaced the card fourth time due to my wife card compromised three time within 14 month period .and my account its issued second time.

BBVA Visa someone inside leakage our information to third party and its charged. 
We live in XXXX XXXX XXXXXXXX and all these fraudulent charges come from southern states of USA where BBVA have more activity. I did filed separate complaint against this bank about that.

When BBVA issued the card last year they also offered 13 month 0 % APR on purchase and in their monthly statement in their second page they do provide information how much i owe on purchase and also showing 0.00 % due to offered and also say interest paid 0.00. They do not provide the information in their statement what date this 0 % APR going to expired date. Like other credit card do saying EXPIRED DATE of 0.00 % APR will expired, BBVA not provide complete information of 0.00 % interest of purchase expired. its make the consumer confusion and consumer think still o.oo % interest. When I received statement on line, I did paid all balance on the account and asked to refund the interest charges {$42.00}. On my phone call, BBVA representative Ms.XXXX did issued the ticket # XXXX on XX/XX/20. and she said it takes few days to see the credit in my account and also back office of BBVA have to approved it. yesterday when I was talking to other representative Mr., XXXX, Customer satisfaction dept, he did mentioned that still back office considered to refund the interest. Today, I received phone call from Ms.XXXX and she said she is higher officer and calling for my complaint on why BBVA blocked three card within 14 month and now i got fourth card. she still do not know why BBVA have this issue and compromised card several time. I want to bring all this information to CFPB to find why this bank BBVA have these issued and not provide complete information in their statement
Product: Mortgage

Since last Friday, XX/XX/XXXX, I have been trying to get a pay off quote from Planet Home Lending to refinance my mortgage with another lender. 

I was divorced on XX/XX/XXXX and my ex-husband 's name and my former married are noted on this account. 

My name was changed on XX/XX/XXXX. Planet Home Lending received my caurrent and valid dl, the divorce decree that also states I was awarded this property and the court order that I must refinance the property under my name and a XXXX they required I fill out and submit. 

Planet Home Lending has not had any problem accepting the monthly mortgage payment for the past 20 months from my checking account that has only my name. 

As of today, XX/XX/XXXX, they have not complied with this request. This has cost me more money for the daily Interest charged on the Principal balance and have delayed the refinancing of this court ordered decree. 

The account # is XXXX. 

Thank you.
Product: Debt collection

In XXXX, I closed my SEARS/CITIBANK NA credit card . With XXXX balance. 

Four years later, I found out through XXXX XXXX XXXX  that the above account was open and late by several payments. 

I immediately contacted SEARS/CITIBANK NA , They explained that the account had been re opened and the owner was a XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I made it clear that I was not that person. I do not have a middle name with an XXXX and have never been to XXXXXXXX XXXX 
The assured me that the account would be closed and I didn't have to do anything else. 
The account was closed by SEARS/CITIBANK Now , four years later, I received a letter from a law firm asking me to pay the delinquent account, Law firm : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I never owed any money to SEARS/CITIBANK . I did not re open the account Any assistance you can provide will be greatly appreciated. 

Respectfully, XXXX XXXX
Product: Debt collection

I sent a letter to have LVNV Funding LLC to have them Verify my debt In XXXX XXXX XXXX with my signature of where i signed, payment history, etc. All they sent me was a letter to settle the debt. Also, LVNV funding LLC is not licensed to collect debt in the State of XXXX.
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an XXXX XXXX XXXX. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
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

On XX/XX/XXXX, I opened a complaint with CFPB about Equifax reporting fraudulent accounts and fraudulent charges on my credit report and Equifax responded with the following information on XX/XX/XXXX : " Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you XXXX call XXXX ( XXXX ) or you XXXX visit www.myequifax.com. With myEquifax, you can create an account to manage your security freeze, add or remove fraud alerts, and initiate credit file disputes. Additionally you can access free Equifax credit reports and other products. You XXXX also obtain a free copy of your credit report on annualcreditreport.com ''. 

I also received the dispute investigations by Equifax by mail, dated XX/XX/XXXX, which are attached, and clearly shows they did not do what they said they would do. They did remove XXXX and XXXXXXXX XXXX but did not remove XXXX XXXX XXXX and XXXX XXXX XXXX. They stated on the CFPB complaint the following about these XXXX accounts : " NON REPORTING DISPUTES Trade : XXXX XXXX XXXX THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE. Trade : XXXX XXXX XXXX XXXX  THE DISPUTED ITEM IS NOT CURRENTLY REPORTING ON THE EQUIFAX XXXX FILE ''. 

They claim that the XXXX XXXX XXXX and XXXX XXXX XXXX accounts are non reporting, but still are. So this was a lie by Equifax and both accounts are still being reported as of XX/XX/XXXX per my equifax credit report account.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to fix this issue and they keep charging me interest. I was charged {$900.00} of interest and now {$76.00} each month of interest thereafter. 

They are still charging interest on the same item. This is extremely predatory
Product: Credit reporting or other personal consumer reports

On or about XX/XX/2024 i sent Equifax a Dispute letter asking them to investigate these charge off accounts that were closed and dismissed! They continued to verify the accounts when in fact they are unverifiable and inaccurate! A consumer reporting company may not provide a consumer report under FCRA section 15 USC 1681b ( a ) ( 3 ) Permissible Purposes for Furnishing.
Product: Money transfer, virtual currency, or money service

It is concerning when Zelle fails to properly handle disputes or conduct a thorough investigation into claims, as it undermines trust in the system. Zelle is designed to be a fast and efficient way to send money, but when issues arise, the inability to resolve disputes or investigate fraudulent transactions leaves consumers vulnerable to financial loss. Without adequate protection or timely resolution, users may feel that their funds are at risk, especially since Zelle transactions are often irreversible. The lack of transparency or proper investigation in these cases only adds to the frustration and concern, highlighting the need for better support and accountability from both Zelle and participating banks.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate information on my credit report concerning my account with XXXX XXXX, ending in XXXX. Experian and XXXX report indicates that the payment for the month of XXXX is 30 days late, which is incorrect. I have substantial evidence to support my claim and rectify this issue. 

The payment for XX/XX/2024 was due on the XXXX and was, in fact, made on XXXX. Furthermore, my XXXX payment was made on XX/XX/2024, and my XXXX payment on XX/XX/2024. 

XXXX and XXXX are reporting on time, why is XXXX reported late when all payments are due on the XXXX of each month. 

I have attached emails, payment confirmations, and bank statements highlighting each transaction for your review. These documents clearly demonstrate that all payments were made on time. 

Moreover, I received a notification that the funds were returned due to an alleged error on XXXX 's part. Upon verification with XXXX XXXX, my bank, it was confirmed that no payment request from XXXX had been received. I promptly notified XXXX of their error, providing screenshots of the available funds as evidence. Despite these actions, my credit report now reflects a 30-day delinquency for XX/XX/2024. I submitted the payment within 30 days and XXXX never retrieved the payment until I responded to the email. For there the payment was processed a day later. 

I kindly request that Experian thoroughly investigate this matter and promptly remove the erroneous late payment from my credit report. The adverse impact on my credit score necessitates an urgent resolution of this issue. 

Thank you for your attention to this matter. Enclosed are the necessary documents to support my dispute. I trust in your ability to address this situation promptly and accurately.
Product: Credit reporting 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. 


I told Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXXe # XXXX, XXXX XXXXXXXX # XXXX, XXXX # XXXX, XXXX  XXXX # XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX # XXXX and XXXX XXXX  # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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.