23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

PHH Mortgage has deliberately withheld payoff amount for the 2nd time, delaying our ability to get out of their high interest loan and refinance with XXXX XXXX! They did this last year, and we complained then as well. At that time they did finally send payoff amount, but delayed until after 90 days so lender had to deny. 

We have all other documents, loan is ready to process again with XXXXXXXX XXXX, but after formal request legally binding PHH to send payoff within XXXX hours, they have delayed and have not yet sent the payoff. 

We need to get out of this 10.8 % interest mortgage. 

Please help us if you can!!
Product: Credit reporting or other personal consumer reports

reviewed my Consumer Reports and noticed that there was an inaccurate account ( s ) on my credit report XXXX XXXX XXXX. Along with XXXX XXXX and Equifax are reporting these unauthorized inaccurate accounts : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with maximum accuracy. 

I contacted XXXX, Equifax, XXXX and asked for them to investigate & remove the inaccurate account from my consumer report that they are illegally reporting and I requested specifically the alleged original application bearing my signature and they have not been able to provide such proof to me. 

This is a violation of the Fair Credit Reporting Act, and these disputed items may not appear on my credit report if they can't be verified by any evidence or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent an identity theft affidavit with a police report number attached to XXXX XXXX several times and Equifax, XXXX and XXXX and this account still has not been removed from my credit report. This account is illegally on my report and I want it removed immediately!
Product: Student loan

When my loan was serviced by XXXX XXXX, I received bad information on student loan repayment. I was advised to put the loan into forbearance while working at the US Census Bureau as a statistician in Washington DC. My IBR would have been XXXX for that year but the lender recommended forbearance. Those 12 payments never happened at the census bureau and I lost a year of eligibility for PSLF. The year was XX/XX/XXXX to XX/XX/XXXX. The prior tax year I received no income as a graduate student.
Product: Credit reporting or other personal consumer reports

CLOSE ACCOUNT XXXX. XXXX XXXX  OPENED XX/XX/XXXX CLOSED XX/XX/XXXX XXXX. XXXX XXXX XXXX  XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX. XXXX XXXX. XXXX XXXX XXXX ( XXXX ) OPENED XX/XX/XXXX CLOSED FED XXXX, XXXX OPENED XX/XX/XXXX CLOSED XX/XX/XXXX OPENED XXXX XXXX, XXXX CLOSED XX/XX/XXXX THESE WERE OPEN BY FRAUD AND I PAID THEM ON FULL TO BE REMOVED AND THEY ARE STILL SHOWN ON CREDIT REPORTS. THESE BANKS TOLD ME ONCE I PAY THEM IN FULL THEY WILL GET REMOVED I WOULDN'T WANT TO WAIT 7-10 YEARS FOR SOMETHING THAT AINT MINE. I CONTACT XXXX AND THEY TOLD ME TO DO THIS STEPS AND YES IN THE PAST EVERYTHING WAS REPORTED AS FRAUD BUT WAS NEVER REMOVED.
Product: Bank account or service

For graduation I was given a check by my grandfather for {$12000.00}. I deposited the money into my Wells Fargo savings account. Once some of the money had been released into my account I paid off the balance on my Wells Fargo credit card. Eventually the check bounce, turns out my XXXX XXXX XXXX grandfather had mistakenly only put in enough money into his account for XXXX of his graduating grandchildren. My cousin who also graduated college cashed his check first, which resulted in my check bouncing because the money had been taken out of the account. This resulted in my savings account to go negative because I used it to pay off the card with funds that had once been released ( but now taken back because of the check bouncing. Wells Fargo then locked my account even when I put in cash into my checkings account to overturn the negative balance. Between talking to personal bankers in XXXX local branches to explain the situation and talking to the fraud department on the phone to explain the situation they were unable to reverse the hold. They as a result are closing my account, giving me few days notice to pay off the card. I made multiple attempts to pay off the negative balance and the credit card after realizing the check has bounced. There has been XXXX transparency, consistency, and clarity between my personal bankers at local branches and fraud department. The local bankers do n't even know why my account is being closed due to a check bouncing due to insufficient funds. They have left me confused and with little ability to amend the situation. In fact they even cut up my debit card at the branch. I have always been on time with my credit card that I have with Wells Fargo and I have made multiple attempts to make payments on the card. I have not received a hard guarantee that my credit and credit score will not be effected by the result of this bounced check and the ridiculous near immediate closing of my accounts.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits, I was unfairly charged overdraft fees. 

This appears consistent with recent findings by the cfpb, which identified similar practices by navy federal credit union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are deceptive and unfair.
Product: Credit card or prepaid card

Chase violated its own credit card agreement. The agreement information is located on the statements. All of the balance on this card is under a " My Chase Plan. '' The " My Chase Plan, '' agreement states that no interest will be charged on any portion of the associated plan. The statement, under " How to Avoid Paying Interest Charges, '' states that in any no-interest promotions, " balance '', is not a purchase, it's a balance it does mention purchase subject to an interest-free balance, but then states that the interest charges are not charged on a balance. Per the My Chase Plan agreement, the balance includes the fee associated with the plan. It's 0 % interest but is a fixed fee charged for the plan. The balance also includes late fees as it does state that missed payments can result in late fees. These would be directly related to the balance. I have a strange charge going from {$.00} going up to {$1.00} this month. The balance was {$0.00} when the Chase Plans were created. The balances are subject to the 13.24 % interest are odd low dollar amounts. The only additional charges on the account would be late charges and the plan fees. Per the card agreement on the statement, interest is charged for purchases, cash advances, overdraft advances, and balance transfers. There is no mention of late fees being part of interest rate calculations. I have been late on this card for a few months, due to unfortunately having financial issues due to my XXXX  XXXX. The agreements Chase has do allow for speaking with them for help with financial issues. Which in my opinion, gives you the allowance to set up additional payment options if needed. The agreement specifically states, pay the payment by the due date or we will assess a late fee. I let them assess the late fees. They violated the agreement by charging interest on the My Chase Plan fees, which is not allowed in the My Chase Plan agreement. Also, Chase calls me constantly, I have asked them to stop, but they won't. The one time I asked for help, they told me, and I quote " I'm sorry, I can't help you. '' This was a gentlemen I spoke with. This was a call that I initiated. I called the collections department for this. I was specifically told that.
Product: Student loan

I am a full class member of Sweet v. Cardona, and my XXXX XXXX to XXXX XXXX was approved by the Department of Education on XX/XX/2024. 

Nelnet is my loan servicer, and they have sent correspondence stating I have a payment due on XX/XX/2024. 

None of my loans have been XXXX, and I have not received a refund. 

Forcing Sweet v. Cardona class members back into repayment before their discharges are complete is a violation of the settlement. 

I respectfully request Nelnet to return my loans to XXXX XXXX pursuant to the settlement terms.
Product: Checking or savings account

I opened a small business account with Bank of America in the XXXX  of XXXX and closed that account in the XXXX  of XXXX. There was a refund to that account after it closed. Bank of America sent me a check for the balance but made it out to my now closed business. Bank of America refuses to cash their own check. Bank of America has allowed deposits to this account in my name and my business name, since my name and the name of my now closed business are on the account. I've asked Bank of America to take the check back and reissue a check to me personally. Bank of America has refused to move forward in any way. As far as I'm concerned, this stealing. Any assistance in this matter will be greatly appreciated. 
Thanks
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if there are any accounts that are reporting inaccurately on my credit report they should be removed immediately. 
XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$570.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$980.00} XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX, IL XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Vehicle loan or lease

Due to Covid it was pose to be forgiven and now its showing as a full amount
Product: Credit card or prepaid card

I received a {$100.00} Mastercard gift card in XX/XX/XXXX for the amount of {$100.00}. The card was in its original packaging and had never been opened. The bank issuer of the card is XXXX XXXX XXXX XXXX. When I attempted to use the card at a grocery store it was declined. Upon calling the XXXX Customer Service number on the card I was told the card had been XXXX   out by {$2.00} charges per month commencing one year after the card had been purchased, which was XX/XX/XXXX. The outside packaging does not state these expenses will occur after the first year of card purchase. Rather this information is contained in the " Cardholder Agreement '' document inside the packaging. The printing on the packaging states the card is " valid thru XX/XX/XXXX '' and that it has " no value until paid for and activated at register ''. The outside instructions do not explain the purchase of the card activates the card. " Activating '' the card could be interpreted as when the receiver of the card begins to use it. This again is explained in the " Cardholder Agreement '' inside the sealed gift card package. I attempted to contact XXXX XXXX XXXX XXXX by telephone but could only reach call centers, even when I called the XXXX for XXXX XXXX  XXXX XXXX directly. I then mailed XXXX XXXX XXXX XXXX a registered letter on XX/XX/XXXX to request they reinstate the value of the gift card back to {$100.00}. I never received a response. I included my address, telephone number and email address in my letter. I also left a message with the call center contact person requesting a reinstatement of the card to its original value but did not receive a response.
Product: Mortgage

I qualified for the Nevada Foreclosure Mediation Program in the XX/XX/2016. Upon receiving the notification I was instructed to work with reps from XXXX, XXXX XXXX XXXX to provide the appropriate documentation to determine Refinancing options for my mediation. Paystubs, Utility Bills, XXXX, Bank Statements, XXXX forms. My mediation was conducted on XX/XX/2016 upon which I was informed that additional information was still necessary for Shellpoint Mortgage to determine possible options for me to consider in lieu of Foreclosure on my property. I have contacted Shellpoint and XXXX, XXXX, XXXX multiple times since my mediation ( email & Phone ) and I have yet to receive a call back or email. It appears that I am being ignored. I contacted the Mediator and he suggested that I seek legal advise to reconcile this scenario. Can you please assist in resolving this issue? I just received mail directly from Shellpoint today stating that " we are unable to offer you a loss mitigation option because you did not provide the docs that were requested ''. I have emails dated in XX/XX/XXXX asking if additional information was needed for their underwriters and have gotten no responses on any of my requests.
Product: Credit reporting or other personal consumer reports

I have an old account showing up on my experian credit report that should have been deleted. It was scheduled to be removed from my report by XX/XX/2024, but Experian has not deleted it.
Product: Mortgage

I have an investment property. Initially the bank said based on the federal requirements I must escrow the taxes and insurance - based on certain requirements. However - last couple of months the same bank has been hounding me to refinance - specifically saying that if I do, buying some points, and go through the entire refinancing process - which is about {$5000.00} in closing costs, PLUS the points I have to pay, they can remove the escrow. 

The interest rate difference is and the cost is burdensome for me. I have satisfied all the rules to remove the escrow requirements. The bank is refusing the remove the escrow requirements siting the law - however - the law doesn't say if you refinance the escrow can be removed. 

When I question it - they are being very vague and in cooperative and have been made to run around in numerous phone calls and email exchanges. 

The bank is being unreasonable in their requirements - without adequately explaining. either they are violating the law - or squeezing the consumers to spend money by selling points. To sell these points for {$1000.00} they are making the consumers spend over {$5000.00} in closing costs
Product: Credit card or prepaid card

I applied and was approved for a credit card with Genesis FS. When I received the card, I decided that I no longer wanted the card and never activated the card. I received a bill for their annual fee ( the reason I didnt want to use it ) and called them. The representative I spoke with told me they werent able to reverse the fee because it was contingent on my applying for the card. I asked her how could they charge me a fee for a card I have never activated nor used. She again told me it was because I applied with her company and was approved for the card. I told her I was going to report this to my states attorney general office. I called the attorney generals office and they referred me to file a complaint with this organization.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently I have 2 charge-offs being reported inaccurately, The original charge off date was XX/XX/XXXX, after multiple attends this matter is stopping me from closing on my home. As both items are older than seven years, I filed a dispute with XXXX and all of the other national credit bureaus to have it removed from my credit reports. 

I received the following response to my dispute however, the information has not been removed. 


Report Number : XXXX Date Generated : XX/XX/XXXX, BANK OF AMERICA Account XXXX, XX/XX/XXXX On Record Until BANK OF AMERICA Account XXXX XX/XX/XXXX On Record Until
Product: Credit reporting or other personal consumer reports

XXXX XXXX is reporting a 30 day late payment on all 3 credit bureaus from XXXX XXXX XXXX I've originally reported this as incorrect and Experian deleted the 30 day late payment for several months. Just recently they have reported that same 30 day late payment again when it was removed from the first time I disputed this. I have summitted several disputes to have this corrected and nothing is being done about this. As a result of this I can not refinance my home or can not get another auto loan due to this 30 day late payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not reliable for this debt with XXXX XXXX XXXX XXXX acct # XXXX, I do not have a contract with XXXX XXXX XXXX XXXX they did not provide me with the original contract as I requested.In accordance with the fair credit reporting act.The list of account has violated my federally protected consumer rights to privacy and confidentiality under 15 u.s.c 1681.I told the Experian to reinvestigate this account however they stated everything was complete and accurate but how is that possible if the open account date, dates of last activity and much more is incorrect to 15usc1681 : ( 5 ) they are supposed to modify accounts that isnt reporting correctly.15usc1681 section 602A.States I have the rights to privacy.15usc1681 section 604A.section 2, it also states a consumer reporting agency can not furnish a account with out my written instructions.15usc1681c. ( 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.15usc1681s-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 accurate also they are not in compliance with metro2 reporting I have evidence to prove my case.
Product: Credit card

Take a look at the attached documents. I am urging the bureau to commence an investigation into these accounts, as I have a flawless record of on-time payments, yet they are incorrectly reporting me as late.
Product: Checking or savings account

I TRIED TO OPEN A CHECKING ACCOUNT WITH NAVY FEDERAL CREDIT UNION, ONLY TO BE TOLD THAT I ALREADY HAD A ACCOUNT WITH THEM, AND IT WAS OVERDRAWN I DISPUTED IT 4 TIMES AND ALL FOUR TIMES THEY STATED THAT THE ACCOUNT BELONGS TO ME EVEN AFTER SUBMITTING A POLICE REPORT AND STATEMENT THAT IT WAS A CARE GIVER THAT DID THIS TO ME AND BECAUSE SHE USED MY PHONE NUMBER I AM RESPONSIBLE AND THATS NOT FAIR WHAT SO EVER. I HAVE TRIED TO CONTACT THEM BUT THEY KEEP TELLING ME THEIR DECSION IS FINAL, AND I NEED TO PAY IT IN ORDER TO HAVE A RELATIONSHIP BUT WHY SHOULD I PAY SOMETHING THAT ISNT MINES?
Product: Credit card or prepaid card

I have been in contact with Citi Bank for several weeks now on a purchase that was made on my Citi Platinum select card in the amount of XXXX USD in the country of XXXX in XXXX of 2020. I have filed for fraud, was called and gave all necessary information. 

I was assured by Citi Bank that this would be reversed in my favor. I received a new card as well. Then, I received a letter in the mail stating that Citi bank had to resolve the case in favor of the merchants because I failed to provide enough information. No one reached out to me from Citi Bank for information. I reached out multiple times during the week every single week that the dispute was open to check on the status, only being told to 'not worry. ' Now, my new card is getting fraudulent charges from the same country. I am drowning in credit card debt because Citi has refused to take my case seriously.
Product: Debt collection

I have a judgement against me that was opened while I was in a different state because my daughter was XXXX  XXXX  for several weeks ; Thereafter, was admitted in a XXXX  program for a week. When I returned back to Arizona, the paperwork was sitting at my door. Which lead me to contact the collector ( Resurgent ) to settle on all accounts and was told I can not because the debt was sent to there lawyer. I settled what was opened and thereafter contacted the lawyer to settle the account, i was told I had to pay the account in full which was {$1400.00}. I said i can pay half as a settlement and agree to delete from credit report. there response was no, we need the entire amount. A little after that, I was goin over my paystub and I was being garnished 10 % of my pay, with no notice. Afte reaching out to the courts, I was told by a clerk, the judgement is non-existent. Please help either settle or delete due to false and different amounts requested.. See attachments for receipts and court documents left at my door.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report on. I saw some hard inquiries that did not have permissible purpose. I have also attached evidence : [ XXXX XXXX XXXX XXXX XXXX XXXX  : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXXXXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXXXXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXXXXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b [ XXXX XXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b XXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX ] : This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Money transfer, virtual currency, or money service

I have been using the XXXX XXXX for years and I connected one of my PNC accounts back then. Now when I am trying to change my account number, it says PNC does not participate in this function. It doesn't really make sense since I currently use my PNC account. A friend of mine was trying to join XXXX and use his PNC account but he got the same message. 

I don't understand why they won't allow XXXX to connect? It's a secure app. I have been using it for years and never had an issue.
Product: Debt collection

I 've already spoken to them once on my cell phone, now they are calling repeatedly on my work phone which is a privately owned business. If they keep calling, I will be fired! I 've told him not to call anymore!