23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I have asked for my repayment plan to be the SAVE plan and requested to be pulled out of forbearance months ago because Im ready to begin payments. Im still in forbearance as of today and will be for another month it says. It takes about a month to receive an email reply. They put me on ICR instead of the save plan. They dont respond. The service is edfinacial.
Product: Credit card or prepaid card

On XX/XX/2022, I received a notification text and email from Barclays ( JetBlue ) credit card about possible fraudulent charges. As soon as I checked and confirmed that the card was not in my possession, I called Barclay 's fraud department and informed them that I did not authorize these charges and that I do not have the card in possession. 
One charge was at XXXX for {$310.00}. The second charge was at XXXX XXXX for {$130.00}. 

They told me everything was taken care of and they'd issue a new card for me. The charge was removed from the statement. In XXXX, these charges reappeared and I received a statement. I sent all the evidence with a narrative but they can not reverse these charges because I did not report them as " stolen ''. At the time, I wasn't sure whether it was stolen or simply lost. Only after the police investigations, it was confirmed that the card was indeed stolen and used by someone else.

Barclays then wanted me to send them a copy of surveillance footage to prove that it wasn't me who actually used the card. It could not be done because it was still in the invest
igation process. Instead, I sent them the actual police report. The investigator even offered to give a verbal or written testimony to prove that these were fraudulent charges but Barclays did not take any further actions.

Their fraud department can not do anything about it and only the managers can reverse the decision. When I asked to speak with the manager, they told me it could not be done.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today, XX/XX/22, Wells Fargo replied to my original complaint and said that I did not pay in full the agreed settlement amount. They said they would not fix anything and I never paid the entire balance. I have proof this was done and they won't answer my calls or emails.
Product: Debt collection

I have twice made the request that Experian provide me with a description of how the reinvestigation was conducted along with the business name, address, and telephone number of the furnisher of information, of a particular account being reported on my credit report. 

Experian repeatedly ignores my inquiry and re-inserts the disputed account on my credit report without providing the required verification supporting records or statements.
Product: Mortgage

I had an insurance claim and Nationstar Mortgage is listed on all of the checks. I had to send the final check for withheld deprecation to them. They have been holding the check for months and they refuse to release it. They tell me something different everytime I call. I was told they would release the funds when the inspection came in at 90 %. The inspection came in at 97 % but they still refuse to release funds. They wanted paid in full receipts for the work and I sent those. They refuse to release my money and they continue to request the same documents over and over again. They are determined to keep my money.
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were 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 issue appears consistent with recent filings by the CFPB which identified simular practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having adequate funds. I believe these practices are despite and fair.
Product: Mortgage

I lost my job and was behind on mortgage payments. I applied for the California Mortgage Relief Program, and was approved. They agreed to pay off my balance and get me through XX/XX/2023. So my first payment due again was XX/XX/2023. They contacted Rocket Mortgage for the pay off amount, and rocket mortgage gave them a balance that was {$180.00} short. When the California Mortgage Relief made the payment to get my account down to a {$0.00}, they didnt send enough because they were given the wrong total. I filed multiple complaints with rocket mortgage to fix the issue so everything was paid down to a {$0.00} balance and I could finally get caught up. I told the California Mortgage Relief Program, and they said all rocket mortgage needed to do was contact them so they could verify and send the remaining balance. Rocket Mortgage just completely refused and then I wasnt able to pay the remaining {$180.00} for XXXX. Not only do I still owe it, but theyve marked my credit report 30 days late. None of this had to even happen. I was approved for this grant and they were willing to pay the remaining to get me through XX/XX/2023, but rocket mortgage refused to call them back and correct the amount owed and there is no valid reason. Im already struggling and this is wrong for Rocket Mortgage to refuse the full grant amount I was awarded. This would not be an issue for California Mortgage Relief to fix, so why is rocket mortgage doing this to me? To tack on more fees back to back?
Product: Money transfer, virtual currency, or money service

I sent {$500.00} to my niece and the cash app said it was not going to be available instantly like it usually is. So we tried to get it refunded so I could send it using another method. We reached out and support told us that they would help us so they called. They told me that in order to get a refund I had to push a green button for the dummy account to refund it. I was questioning and asking many questions but he convinced me so when he sent it I pushed the button. Well, it ended up stealing {$1400.00} dollars from my account. He sent two more transactions and tried to pressure me further. I hung up and realized it was a scam. I immediately called my bank to try to stop it but they said it was too late. I filed a complaint with them and they did not help because they said it was the cash app fault. I also recontacted customer support and they said they would investigate and it would take 45 days. However, after a few more emails I didnt get any resolution. I have proof as the two additional attempts from this scammer in my account. I am so upset. They do not even have a phone number to contact. This all took place on XX/XX/2019. I have had {$1400.00} stolen by a fraudulent scammer
Product: Mortgage

Escrow accoun t ( property taxes and homeowners insurance ) continues to grow at an alarming rate. Lender insists on an absurd two m onth PREPAYMENT plus it then has the nerve to assess interest on the inflated escrow balance that it itself has manufactured.     In  one  month mortgage has gone up from {$5200.00} to {$6000.00}
Product: Mortgage

My payments are and have not been applied correctly to my loan. My balance on the loan of my mortgage is incorrect as well as my escrow account. Never notified of changes made to account, when there is shortage in escrow I am not made aware of it until I look at my statement to find out what this amount is on my statement. My balance is rising because they are adding {$200.00} and {$300.00} hundreds of dollars concerning as payments whic my escrow ich is causing my mortgage to rise without my knowledge, and trying to say my taxes are rising which i don't on the statement any changes. Taxes coming and I don't know for what because they don't say on statement whether it's hazard, flood etc. I just need help and I have talked to lots of people at US Bank with no resolution, and hud counselors never have any answers.
Product: Credit card or prepaid card

I am a victim of identity theft. I lost my bag and now I am receiving a bank statement I did not make. Someone who has taken my things took advantage of and made this fraudulent account under my name. The fraud was opened on XX/XX/2017 with an amount of {$560.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Car Loan with XXXX XXXX car financing. I never missed a payment and I recently paid the loan off after 5 years. A great accomplishment. XXXX XXXX Credit Bureau called it a closed account. As if it was a credit card and not a Car Loan and dropped my score drastically.I believe that they are quick to throw numbers around when people lives are determined by a decent Credit Score. I am ashamed of XXXX XXXX and how flip they were in ruining my score when it was not a closed credit card but a Closed Auto Loan which should have boosted my credit score way up.
Product: Mortgage

On XX/XX/XXXX at approx XXXX XXXX I received a voicemail from XXXX from phone # XXXX. She said she was calling on behalf of Rushmore Loans and asked to patch me through to a loan officer to discuss lowering my mortgage payment. I was transferred to XXXX who went over my options. My complaint is that XXXX was very aggressive in trying to get me to submit an application so he could run my credit. 

If Rushmore listens to the recording they will hear me say no less than 5 times that I have to speak to my husband first. He challenged me and wanted to know why I had to speak to him. I told him that we both have XXXX Fico scores and we don't just run our credit. XXXX insulted me by saying XXXX FICO  scores don't exist and continued to talk over me even after I told him that I was a retired banking professional and I spoke his language. 

I am REALLY concerned that the average consumer would just give into XXXX aggressive unprofessional behavior and submit an application when they really don't want to. As a retired banking professional I know that what XXXX is doing is not in the best interest of ANY consumer.
Product: Credit reporting or other personal consumer reports

I am filing this complaint against Bank of America for the unauthorized disclosure of my personal financial information from one account to XXXX XXXX XXXX XXXX XXXX. This disclosure included 13 specific transactions and the status of my account, shared without my explicit consent or prior notification. This action constitutes a breach of my privacy rights as protected under the Privacy Act of 1974 and the Gramm-Leach-Bliley Act ( 15 U.S. Code 6801 ) . I wish to formally opt out of all credit reporting activities conducted by Bank of America and seek immediate resolution to this matter. I also demand compensation for the damages incurred due to this breach. Enclosed are relevant documents supporting my claim. I expect Bank of America to conduct a comprehensive investigation into this incident and take necessary corrective actions to ensure such violations are not repeated.
Product: Checking or savings account

I opened a new account and it was immediately locked. I tried calling a few times, after 45 mins on hold one time I was told there was a security issue with my phone ( not sure what this means ) and that I needed to go to a branch. I took an afternoon off work and went to a branch, waited for an hour and after showing several forms of ID was told my account was unlocked. I tried to access and it's still locked. I can't spend any more time on this and just want to close the account and get my initial deposit back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have examined my finances and developed a careful budget that includes my payment with the creditors I asked for a loan. I want to maintain a good relationship and a good credit score that's why I keep track of my bills. But seeing this is unfair.. I am requesting that you step up and remove the late payments reported on the accounts because it is completely INACCURATE AND INCOMPLETE in reporting, therefore it must be deleted asap XXXX XXXX XXXX  XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account that is not mine I have not applied for this or know where it came from. Please help me out I have tried to go to the bureaus regarding this and no help. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Reason : This is not my account
Product: Credit reporting

equifax has not responded to any of my documentation and disputes relatinf to old files medical collections that are not mine
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, In 2013, I moved from Wisconsin to XXXX XXXX after finishing my University. I obtained my SSN while working on campus as an XXXX XXXXXXXX in WI. 

Currently, I am in the process of applying for the Maryland bar exam and they requested that I submit my current credit report. I was unable to request my free credit report on the website since I am residing abroad and have no current address in the US. Is there any way I can receive my current credit report?
Product: Money transfer, virtual currency, or money service

I called Citi bank and advised them that I made two payments in XX/XX/2020. I learned that I was being scammed and I requested to have the bank transfers reversed and put the money back into my account. I also gave them my report number of XXXX with the Federal Trade Commission. 

I paid {$9000.00} on XXXX2020 and I also paid {$4800.00} on XXXX2020. I spoke with XXXX at XXXX. A week later she told me that they had sent an inquiry to XXXX XXXX, but there was no reply yet. I also filed with ic3.gov ( FBI ). 

Why can't Citi just pull back the transfers for both of my payments now that I had reported the scam?
Product: Credit reporting, credit repair services, or other personal consumer reports

To  XXXX , Equifax and  XXXX  I sent a certified letter asking ton only report my current information but my report is still showing inaccuracies! Please read this carefully this time.     Please remove everything EXCEPT Current addr :  XXXX   XXXX   XXXX  #  XXXX   XXXX   XXXX , CA, XXXX  Current # :  XXXX  Current job :   XXXX   XXXX   XXXX   XXXX   .    (  These are the only things that should be reported at this time ).     Anything else on my report as far as addr, phone number or employer should be DELETED., This is my second request and first request was sent certified so I know it 's been received it just was n't done.
Product: Credit reporting, credit repair services, 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 U.S.C 1681 XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX XXXXXXXX : XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX : # XXXX has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 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 adverse item of information, other than records of convictions of crime 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: Mortgage

1 year ago we requested to have PMI removed from our mortgage payment through Chase bank. We made significant improvements to home over the past 3 years to satisfy the XXXX % LTV required by Chase. Chase bank outsources the appraisal through a third party called XXXX XXXX. XXXX XXXX then assigns a local appraiser to do full appraisal. The appraisal came back with no increase from purchase price and with many disrespectful and unprofessional opinions form the appraiser. Thus I was not granted the request to remove PMI and Chase was not willing to listen to my dispute. The appraiser was completely out of line and unprofessional in his description of my property and made assumptions that without my consent. I have everything documented from the original request to final addendum made to my appraisal. I would like to know if this is something I could bring to an attorney for review because I would gladly take the time and effort to do so. After reviewing my documents I hope you agree with my statement and believe I have serious case against Chase and XXXX XXXX. Thank you for your time!
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account XXXX XXXX XXXXXXXX XXXX - XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions
Product: Credit card

In XXXX I open a dispute for some charges from XXXX XXXX XXXX for ( XXXX XXXX ) that appeared on my credit card. I do not know who that is. I opened a dispute for XXXX amounts of {$100.00} + ( not sure of amount ) and never heard a response from Macy CC. Never got a letter or resolution in to the investigation. On XX/XX/year>, I got a call that I had been late on my payment. I was stunned. I explained to the women that I did not have any late payments or charges by that fact. I had just paid the card off on XX/XX/year> of XXXX and that there was a dispute open. She informed me that there were not those charges but XXXX other charges had come in. I told her that those were not my charges, yet again and she told me that I needed to open a dispute. I did so now the total was {$420.00}. I have not had no letter or response to those XXXX open disputes. I keep getting harassing calls that I need to give payments and that late charges have occurred. Every 3 days I get a phone call and have to repeat the same story to them. Today I called to get information on if there had been a resolution, I was transferred XXXX time to different departments, to end back at customer service. XXXX was the last person I spoke with. She informed me that in fact there was no dispute opened or action taken on my account. To find this out was highly infuriating. I explained to her that I wanted this taken care of as now it was affecting my credit score. She informed me she was going to reverse the late charges and reopen an investigation on these charges. I explained to her that I did not make those charges and that the name did not match mine for those charges to be charged to me. Please assist with this since I have been dealing with this for several month and feel unheard and harassed by Macy 's CC debt department. I am unsatisfied on how they have handled this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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: Credit reporting, credit repair services, or other personal consumer reports

I am a consumer as identified in FDCPA 15 USC 1692a ( 3 ) and I have a right to privacy pursuant to 15 USC 1681 ( a ) ( 4 ) According to 15 USC 1666b it is a billing error I did not receive a statement 21 days before the late payment error. The finance charge included, there should be no late payments pursuant 15 USC 1605 ( a ) due to finance charge bring sum of all charges so I can not be penalized for something that is already paid in full.15 USC 1681e ( b ) which states a company must report maximum possible accuracy Erroneous RESULT OF The Equifax Data Breach Direct Violation 15 USC 1681 Reporting incorrectly. PAYMENT HISTORY INCORRECT across all 3 Bureaus XXXX XXXX and Equifax, I called this to attention and Equifax changed it but I request it to be delete because I did not give them permission to report this on my profile, I will pursue further law suit actions15 USC 1611 - violation ( criminal liability ) of the company if they do not give you two copies of recession notice of right to rescind on the loan 15 USC 1635b - company did not give me right to rescission, I shall receive all money involved.

15 USC 1640 ( 2 ) ( A ) ( i ) - civil liability failure to provide right to rescission results in double amount of finance charge and {$1000.00} for each violation found in connection with the transaction 15 USC 1666b ( 4 ) ( 5 ) - company failure to provide statement within 21 days is a violation, please remove late payment ; statement shows positive balance instead of negative which is a billing error and therefore no payment was due ( how can I pay on a positive balance )
Product: Checking or savings account

On XX/XX/2021, I filed complaints against both Capital One Banking ( Complaint # XXXX ) and XXXX XXXX XXXX Bank XXXX XXXX # XXXX ) regarding a clearly altered check that was initially accepted by Capital One Bank which XXXX XXXX XXXX by XXXX Bank. I have attached a copy of the full complaint form for Capital One ; the same complaint message was filed for XXXX Bank. On XX/XX/2021, I received a phone call from XXXX Banks Executive Offices wherein the complaint was reviewed with the representative essentially agreeing that this is a matter between XXXX and Capital One Bank. It is a problem within the banking system and not with anything I had done. The representative advised me that she would have to discuss further with XXXX Banks Fraud Operations with its Customer Complaints and that I would receive a response within 3 days. No such response was received and a follow-up call by me went ignored. XXXX XXXX Bank responded via letter on XX/XX/XXXX, a full two weeks after the complaint was filed, that they need an affidavit form from XXXX, one which I had provided on two previous occasions. There has been no contact by either XXXX or Capital One in the past three months. As a brief summary, this involved a {$2500.00} check I had made payable to XXXX, a well-known and well-supported XXXX based organization that provides extensive assistance to XXXX and XXXX XXXX children and adults. The payee was clearly altered to XXXX XXXX. Despite an arrest of an individual having been made for stealing mail from the local post office and altering numerous checks, there has been no follow-up on the part of either bank. As a result of both banks choosing to ignore me, a forty-year customer of XXXX with significant holdings, I have decided to pursue two paths. I will begin transfer of my funds from XXXX to XXXX XXXX XXXX. I will also contact the local affiliate of one of the national news networks that runs features on resolving citizen problems. Given the high visibility of XXXX in the XXXX area, there is a reasonable likelihood that the network will pick up on this instance of two major financial institutions effectively punishing a most worthwhile organization. Since neither XXXX nor Capital One appears concerned about resolving the problem with me, perhaps being confronted by reporters for a major news station will elevate the matter.