23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The first time this happened was on XX/XX/XXXX and it took until the XXXX to get it resolved. Basically what happens is I buy things on the website what night and a few of my orders got canceled so they tried to refund my money last night and Chime would not take it now this is happened to me once before. Now I had to spend over two hours on the phone the first time with six different people who could barely speak XXXX much less understand it just to be told I need to file a dispute against my own refunds. Yes thats what they made me do. In order for me to get my refund put back on my account I had to file a dispute and it took five days. Well what not refunded me some more of my own money last night it was from an order on XX/XX/XXXX and The order times were XXXX XXXX and XXXX PM and the amount respectively were {$10.00} then {$7.00} then {$9.00} and again what not tried to send it back to me last night when the order got canceled and Chime refused to take it. So I had to do this again where I get on the phone and spend two hours dealing with these people again who have no idea what XXXX actually is and I still get screwed and I have to waitLike five days they do this every time even though Ive told him do not do it they just refused to put me through the supervisors they hang up on me they refuse to do everything I ask they are a horrible company and Im done with them what theyre doing basically is withholding my money until I call in so they can try to ply me with new offers and do a bunch of crap like that and Im sick of it. I want something done about this theres no reason I should have to call and file a dispute on my own money coming back to my account
Product: Mortgage

On or about XX/XX/XXXX, I refinanced my mortgage loan with XXXX XXXX. Under the contract, I was required to provide proof of homeowner 's insurance to XXXX XXXX, which I did ( see Exhibit A attached hereto ). Thereafter, XXXX XXXX  assigned the loan to be serviced by PHH Mortgage Services ( PHH ). On or about XX/XX/XXXX, PHH mailed me a letter indicating that I never provided it with proof of homeowner 's insurance for the period of XX/XX/XXXX, through XX/XX/XXXX, and that they would buy insurance for that period for me if I did not provide proof of insurance for that " lapse period. '' Despite the fact that I provided proof of insurance to PHH 's predecessor, XXXX XXXX, I obliged PHH 's request and sent proof of insurance for the requested period ( see Exhibit A attached hereto ). Nonetheless, PHH billed my escrow account for {$1200.00} for the insurance policy for the " lapse period. '' No such " lapse period '' ever existed. Proof of insurance was provided to XXXX XXXX  ( PHH 's predecessor ) at the time the loan originated as was required under the terms of the loan. PHH nonetheless billed me for the insurance policy and refuses to refund the amount. I re-submitted the proof of insurance, and PHH still has taken no action. 

Additionally, the loan contract with XXXX XXXX, which is now binding on PHH, does not authorize PHH to retroactively purchase allegedly " lapsed '' insurance. ( See Exhibit B - the attached portion of the contract with XXXX. ) The contract does permit XXXX or its successors to purchase hazard insurance prospectively if such policy is in danger of expiring, but that is the only instance in which XXXX or its successors are authorized to buy insurance on behalf of the consumer.
Product: Checking or savings account

Overcharged fees. My business checking went negative for fees and they closed it out without warning. Not cool, not professional, not honest. Bank of America is taking advantage of people
Product: Student loan

In XX/XX/2017, I initiated automatic payments over the phone with a XXXX XXXX representative, XXXX XXXX. I provided my bank account information over the phone to set up the automatic payments. The customer service agent took down and processed the incorrect bank account number when setting up the auto payment. When the payment did not withdraw from my bank account, I contacted XXXX at XXXX XXXX and he clarified that this was an error on his end. He assured me that it would be resolved and it was nothing to be concerned about and it would not be marked as a late payment or a derogatory mark on my payment history and credit. However, it was never corrected. I have made countless calls to XXXX XXXX over the last year and a half and was told by various representative and supervisors that these events never happened, and that I gave the wrong numbers, even though their representative explained to me that it was he who made the clerical error. They will not allow me to speak with XXXX, the account manager who initially worked with me to set up the payments and who made a human error in recording my account information. They told me there is a recording available of our phone conversation which they reviewed, but they will not allow me to hear it nor provide me with any additional documents or recordings to support their claim that it was I who made the mistake. Due to nothing more than an error of a XXXX XXXX representative, the payment was not received and considered late and is still showing as a derogatory mark on my credit, and the only late payment.
Product: Checking or savings account

My account was closed for fraud, I explained to the bank this was not me and i explained that my card was missing and i did not have any knowledge of this. I explained to the bank i had XXXX account for over XXXX years and had anything like this to happen to me. The bank never provided me any documents of this issue. When i reached out to report my card lost. They then explained the account going to be closed without coming up with a solution. Bank of America never once reach out to me. The date this happen between XXXXXXXX XXXXXX/XX/year>. The amount was for {$3500.00}. I also my documents were stolen from me and they explained it was not their problem to help.
Product: Debt collection

I contacted Midland Funding on XXXX/XXXX/2015 to dispute an item they placed on my credit file. I sent them a dispute letter asking them to provide me with information on this debt with my signature agreeing to this debt. XXXX days went by, they sent nothing. According to federal law and the FDCPA they were suppose to remove this item. They did not. Since they did not remove the item within the XXXX days given by federal law, I then sent them a letter on XXXX/XXXX/2015 asking them to cease all communication with myself, XXXX, XXXX, and XXXX. They have failed to do that as well which violates The Fair Debt Collection Practices Act. If they contact myself or ANY of the XXXX Credit Bureaus regarding anything concerning me I will immediately contact CA Attorney General XXXX XXXX directly as well as file a complaint with the XXXX.
Product: Debt collection

I signed up for XXXX XXXX at a second house we bought. I signed up over the phone and I was not told there was an early cancellation fee over the phone. I was unhappy with the service and called to cancel. I was then told there was a cancellation fee but I disputed this because I was not originally told about it. 
The amount owed was sent to XXXX  collections. I filed a dispute it was forgiven. 
Then without my knowing the debt was suddenly owed to IC Systems in the name of XXXX XXXX XXXX. It is the same account but now a new company is trying to claim I owe them the debt. 
I was never notified, they may have mailed things to that house but we sold that house in XX/XX/2019, also the house does not have a mailing address, the only address the company would have had was my home address. they never called or mailed me anything. I only found out about the debt when I tried to refinance my house. 
I paid it to make it go away. I was told I would receive a receipt, I have not. I called back and was told I would receive a receipt by the end of the day. But I still have not. 
I have paid the bill, even though I was not told about this cancellation fee originally and the debt has been given to a new company without me knowing and now I can not get it off my credit report or even proof that it is paid.
Product: Checking or savings account

Initial check fraud on account ending in XXXX beginning on XXXXXX/XX/XXXX. A total of 15 checks came into the account on XX/XX/XXXX and XX/XX/XXXX. Two separate claims. All the fraud check item were retuned and funds given back to me. Good and Thank you. While waiting for the accrued interest to post so I could close the BofA account I made an XXXX XXXX payment but forgot to update the BofA account number. The account had been put on a no debit freeze, so I was told. The XXXX debit came into BofA and it was retuned as I expected once I realized my mistake. I can live with that. According to XXXX they retried the payment because they received the retuned ACH debit back with a return season of NSF. The account was frozen therefore the ACH should have been retuned as Account Frozen, this return code does exist and should have been used. Now XXXX is telling me I am not in good standing because of the NSF item. First, BofA makes the claim process difficult because BofA put it all back off on the account owner to keep calling back getting sent to department that don't even handle fraud. I spent least 15 hours on the phone this time and 40 hours two year ago when I had XXXX and ACH fraud on another BofA account. At the end of the day I am upset with BofA for using the NSF returned reason rather than account frozen.
Product: Credit reporting

Equifax is reporting numerous inquiries on my credit report that were not authorized by me. I had previously disputed these inquiries with Equifax and they continue to remain on my credit profile. I have attached a list of credit inquiries that need to be removed from my credit profile. Here is a summary of those inquiries ... XXXX XX/XX/XXXX. XXXX XXXX XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XX/XX/XXXX. XXXX XX/XX/XXXX. XXXX XXXX XXXX XX/XX/XXXX. XXXX Loans XX/XX/XXXX.
Product: Credit card

I enrolled in a fitness program and made the following charges on my Bank of America ( BOA ) credit card ( # : XXXX ), expecting to receive a {$150.00} annual fitness credit as part of my benefits : XX/XX/year> : Charged {$42.00} + {$8.00} = {$50.00} at XXXX XX/XX/year> : Charged {$50.00} at the same fitness provider On XX/XX/year>, I called BOA customer service regarding the credit. The representative informed me that the {$50.00} credit should be applied by XX/XX/year>, and that any additional charges from the same gym would automatically receive the credit as well. 

However, as of XX/XX/year>, I have not received the total {$100.00} credit that I was promised.
Product: Mortgage

XX/XX/XXXX To whom it may concern, I've been trying to Modify my home loan originally with XXXX XXXX / XXXX XXXX since XX/XX/XXXX. After completing and submitting my application XX/XX/XXXX, I never received a correspondence of denial or approval, and all calls went to voicemail, along with emails going unanswered. 
Pending a foreclosure hearing set for XX/XX/XXXX, I received a letter XX/XX/XXXX from the lender 's attorney stating the property is in foreclosure, and attached a occupied conveyance application for me to fill out. 
On this letter It also said it please contact XXXX XXXX if you have any questions. ( attached ) I immediately telephones XXXX XXXX XX/XX/XXXX, who then told me, they no longer owned my long since XX/XX/XXXX and I never knew. 
After a Web search I discovered the money source owned my loan. I reached out to the money source and told them I was in a process of a modification with loan care to no Avail. 
The money source offered me to apply for a modification with them and I submitted my application XX/XX/XXXX. 
XX/XX/XXXX I received a letter stating that the money source needed a bank statement I see it the money source the bank statement XX/XX/XXXX. 
XXXX The judge extended the foreclosure hearing since I was in the process of a Modification application. 

XXXX XXXX XXXX= follow up call with XXXX XXXX ext. XXXX, says I should hear something by Monday XXXX. Told him I was having issues with account manager, he said he would email supervisor. 

XXXX XXXX XXXX. = follow up voicemail to XXXX Re : not hearing nothing since Monday XXXX. 

XXXX XXXX XXXX =Still waiting on response from XXXX or a electronic correspondence to confirm my submission from XXXX will complete my application. 

XX/XX/XXXX Called T.M.S to follow up on application. 
Told by rep ( XXXX XXXX ) all documents had been received and to leave a message for XXXX. 

XX/XX/XXXX missed call from XXXX XXXX XXXX 

XX/XX/XXXX called XXXX back XXXX XXXX 
Held for 15 minutes, than sent to XXXX 's Voicemail. 
Left voicemail. 


XX/XX/XXXX called again to speak with XXXX Sent to voicemail. 

XXXX No returned call, no follow up documents on application status. 
XXXX I discovered TMS told their attorney they were waiting for documentation from me and I had till the end of the day to submit it. Documents I had and still have no idea about as of this letter. 
XXXX No returned phone call or answered phone call with TMS. Also no corresponding letter stating missing documents or of approval or denial.
Product: Debt collection

XXXX, XXXX and demand for TILA disclosures regarding {$0.00} payments received from me and " servicing advances '' paid to undisclosed to me parties from unknown to me funds. 
I received XX/XX/XXXX " billing statement '' evidencing that here are XXXX payments are made during my bankruptcy- even though XX/XX/XXXX " billing statement '' showed {$17000.00}. Please explain where all my payments disappeared. 
On XX/XX/XXXX lawyer XXXX told XXXX XXXX that PennyMac Loan Services , LLC is my ONLY Creditor who is allegedly " servicing themselves ''. See Transcript, page XXXX attached. 
According to " Financials '' provided to me by XXXX XXXX XXXX XXXX XXXX [ whose artificial intelligence responds complaints addressed to faux company PennyMac Loan Services , LLC ] here are hundreds thousands in " servicing advances '' paid to unknown to me parties from undisclosed to me funds I demand to explain where {$17000.00} disappeared and why here is {$0.00} paid from my funds Please disclose who is entitled to receive and who actually received these Servicing Advances -for example, {$7700.00} paid XXXX times in XX/XX/XXXX and thousands each month in prior months Please provide direct contact information for the accountant/bookkeeper of the Creditor who has personal knowledge about all these fees and charges as well as how much was received from me during my bankruptcy ; by whom and on whose account receivable my payments were deposited
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting Act, Health companies have violated my rights. 
15 USC 1681 Section 602 states I have the right to privacy, 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Debt collection

On a recorded conversation, both on there end and mine, Midland Funding agreed if I paid this debt they would remove from my credit report. This card was obtained fraudulently but I went ahead and paid the account as I am trying to clean up my credit report and was assured they would agree to remove this account. Like I said was a recorded conversation.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against XXXX, Equifax, and XXXX for violations of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), as well as breach of contract and deceptive practices. Despite having accounts with these credit bureaus and being promised daily updates to my credit reports and scores, my reports have been deliberately hindered for over 30 days. The bureaus have allowed inaccurate, outdated, and derogatory informationsuch as collections, fraudulent statements, and erroneous payment historiesto remain on my credit reports, which has severely damaged my creditworthiness. Despite multiple formal disputes, the bureaus have failed to correct or update this harmful information, in violation of the FCRA. 

Furthermore, my formal requests for verbal and written communication regarding these disputes have been ignored. Instead, I have been met with malicious tactics intended to delay compliance and avoid accountability. This stalling appears to be an effort to negate their responsibility under the FCRA and FDCPA. I have attempted to resolve these issues in good faith, including proposing arbitration as outlined in my contracts with the credit bureaus. However, their refusal to engage in meaningful communication has left me with no choice but to pursue litigation if this matter is not resolved as required by law. 

I am demanding immediate correction of all inaccuracies, as well as fair compensation for the harm caused, calculated based on each infractions duration and severity. Additionally, I seek damages for the emotional distress and financial injury resulting from their negligence and refusal to act. If these issues are not addressed promptly, I will have no option but to pursue legal action to protect my rights.
Product: Credit card

On XX/XX/2023 I initiated a dispute with Citibank regarding a defective item purchased from a merchant on XX/XX/2023 for {$1200.00}. I attempted to return the unit multiple times to the merchant who would not supply the necessary address/authorization ( XXXX ), despite acknowledging that the unit was defective and being within their stated return policy. 

In a letter dated XX/XX/2023 Citibank stated that I must provide by XX/XX/2023 either ( 1 ) evidence that I have returned the unit to the merchant or ( 2 ) a letter showing that merchant refused to accept the return. I replied on XX/XX/2023, along with extensive documentation showing ( 2 ) that I had asked the merchant XXXX times ( XXXX via email, XXXX via phone ) to return the unit which the merchant did not provide the necessary details in response to to any of those XXXX requests. Citibank customer service confirmed receipt of these documents. 

In a letter dated XX/XX/2023 Citibank stated that by XX/XX/2023 I must provide either ( XXXX ) evidence that I have returned the unit to the merchant or ( XXXX ) a letter showing that the merchant refused the return. I replied on XX/XX/2023 with a letter describing the merchant 's refusal to accept the return, referencing the previously-sent evidence. Customer service confirmed receipt of this documentation. 

In a letter dated XX/XX/2023 Citibank stated that I did not provide valid proof of returning the unit to the merchant and the dispute was closed. I responded on XX/XX/2023 that I have sent documentation on XXXX prior occasions, showing the merchant 's refusal to accept the return. I included a summary of my interactions with the merchant supporting this claim, and appealed the decision. Customer service confirmed receipt of this documentation. 

In a letter dated XX/XX/2023, Citibank stated that the matter was closed although XXXX be able to help if I could provide documentation that the merchant agreed to a credit. On XX/XX/2023 I forwarded an email to Citibank from the merchant agreeing to credit my account, but the dispute remained closed. On XX/XX/2023 I sent additional emails from the merchant showing that they withdrew their objection to my dispute after reviewing the same documentation sent to Citibank, but the dispute remains unresolved by Citibank. I also noted that I had provided the requested information XXXX times and that I have not received a reason and documentation for the denial of my dispute as required under the Fair Credit Billing Act, and reiterated my request to appeal the decision. 

Based on Citibank 's multiple letters asking for proof of returning the merchandise, it appears that either no investigation was conducted, or the documentation ( which clearly shows the merchandise could not be returned ) was not read or considered as part of the investigation. In addition, no explanation or documentation has been provided for the denial. I believe these XXXX issues show that Citibank is not meeting their obligations under the Fair Credit Billing Act. 

The case is currently pending as of XX/XX/2023.
Product: Debt collection

cease and desist dispute letter was sent XX/XX/29 no resolution ACCORDING TO 15 USC 1692C YOU HAVE VIOLATED MY RIGHTS BY INLAWFUL COMMUNICATIONS PLEASE REMOVE THIS COLLECTION OFF OF MY CREDIT REPORT
Product: Checking or savings account

On XX/XX/XXXX my debit card and drivers license were stolen. I canceled my debit card and filed a police report about the situation. I also reported this to SunTrust customer service. On XX/XX/XXXX, someone went into the SunTrust branch in XXXX Florida and used the teller connect system. They used my lost ID and my canceled debit card to withdraw {$900.00} from my account. A fraud complaint was filed on XX/XX/XXXX. As of today, XX/XX/XXXX, Suntrust has not come to a resolution. Ive called the fraud department every day and no one will give me an update on the case or give me my stolen money back. Customer care refuses to tell me any information.
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. 

List of Unauthorized Inquiries : 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I received my VISA bill from Bank of America Due date was XX/XX/2019 I realized there is a late payment charges from previous month, because I always pay my bills prior to due date. 
I called customer service I told them that I never received any bills from you. I paid them my bill for previous and recent month by phone on XX/XX/2019 And bank refunded the late fee charges to my account. 
I received a cancellation letter from bank. I called several time. I could not get any reasonable answer from bank. 
I am retired XXXX financially I am doing very good, my house is paid off. 
I am very upset about their decision, that does not make sense to me. 
I do have other credit cart for past almost fourth Years that I never had any issues with any of them.
Product: Credit reporting or other personal consumer reports

I do not have any existing financial relationship or accounts with this company. I am considering financial options and exploring opportunities. 

Account name : PROFESSIONAL DEBT MEDIATION
Product: Credit card or prepaid card

I received multiple offers to apply for a Chase XXXX business card from Chase but when I applied in my business name i was declined based on my business being newnbut i was sent out these promotional offers asking my business I received to hard inquires because this im asking the inquiries be removed from my XXXX credit profile JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX JPMCB CARD Bank Credit Cards Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXXXXXX XXXX