23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refnanced on a loan that took more than 3 months to close. My cash back to the borrower has not been received. I have received no fund, my creditors have not received the payouts and there has been no feedback from the settlement company. 
The loan closed on XX/XX/XXXX with LoanDepot.com The Disbursement date was XX/XX/XXXX. 
Load Depot was fully funded on XX/XX/XXXX. ( Interesting that  LoanDepot received their funds on time ) It is XX/XX/XXXX - Past 48 hours and still no funds to me or my creditors. Loan Depot says it is up to the Settlement company to send the money. The settlement company is unresponsive and you can't even leave them a message on their phone. I e-mauiled them with no response. I even sent the CFO of  Loan Depot a XXXX message.
Product: Checking or savings account

On or around XX/XX/2023, I called to report an issue with my business account XXXX XXXX XXXX XXXX that has been ongoing on my account with a feature I have with Chase Bank called Over draft assist. Ultimately the rep stated the fees were to be credited back within a few hours. A few days later I was charged additional overdraft fees due to the agent not crediting the account as stated. I spoke with a supervisor named XXXX and she reversed the additional fees but stated she could not reverse the original fees that was promised. She stated she could submit a complaint and ask for a call review for the call that was originally taken with the first agent to confirm what he said. She stated that someone will call me back with 3-5 business days. I left off the call expecting that. 

Because all the failed promise the account went into a snowball effect causing more overdrafts. 

Now on XX/XX/2023 around XXXX, I still haven't received the call and decided to call. I spoke with a supervisor by the name of XXXX. We spoke about the issue and he stated to me that basically that XXXX noted the account and never placed a request for a call review like she stated she would. Now I'm left off two phone calls expecting a resolution of what the agents stated they were going to do and failed to do.
Product: Credit card or prepaid card

This complaint is in regards to a closed complaint ( XXXX ). The previous complaint is not resolved, Bank of America is supporting fraudulent businesses and putting financial burden on small business. 

While the above mentioned complaint was being investigated, I stopped using my Credit Card. On XX/XX/2018, one merchant who originally charged my account gave me a credit of - {$490.00} while charging {$380.00}. The rep who was working on my original case agreed that these are fraudulent charges and my card has been compromised. To note, after the first fraudulent charges were reported Bank of America replaced my card with a new one that has a new account number. The rep suggested my to call fraud prevention to report these activities. I called the number on the back of my card and reported the transactions in question, the fraud prevention rep was not clear but said these charges were either made by the merchant or bank transferred those charges from old card to new card. I do not have a clear answer on this yet, it has been over 8 days and the charges are still in my account. 
So the questions are, while bank of america replaced old card with new one then how merchant got access to the new card to post those charges? Why bank is transferring charges from old card from new card TWICE? 

Bank of America is not being honest and putting burden on small business.
Product: Mortgage

In XX/XX/2022 we received notice from XXXX XXXX  that out mortgage was being transferred to Mr Cooper. We contacted Mr Cooper in late XXXX since we had not received any paper work from them. We were told that no payment would be due in XXXX. In mid XXXX we received a letter dated XX/XX/2022 welcoming us. On XX/XX/XXXX I received a notice from Mr Cooper that payment was due on XX/XX/XXXX but it was for twice the amount normally due. Since we were told by Mr Cooper that no payment was due in XXXX, we used that money to pay down our credit card. My wife contacted Mr Cooper to resolve and was told that all they could due was a pandemic forbearance but that all the money would still be due on XX/XX/XXXX. I called the next day and spoke to a supervisor. I explained the situation. He admitted to employee incompetence and said he could fix it. He said he could move the payment from XXXX to the end of the loan. Unfortunately that did not happen. Today I called in again and was told moving the XXXX payment to the end of the loan was impossible.
Product: Mortgage

Gateway Mortgage District Manager XXXX XXXX recently listed a house w/ XXXX XXXXr- XXXX XXXX that my wife and I were interested in. We had got our prequalification done months ago so we could move forward w/ an offer as soon as we found a house w/our prequal amount ( {$300000.00} ).  Soon after we submitted our offer XX/XX/2018 our agent called me to inform me there is a note on the internal portion of the MLS listing that requested the buyer to go through Gateway for their prequal. I told my agent that why do they need this if we have already prequalified and she responded that the seller ( Gateway Mortgage ) was just looking to prequal w/ them and to talk to us so we could go forward. My agent also sent me a phone # for a loan officer XXXX XXXX XXXX to give him a call and see what he had to say. I asked our agent does this mean they are taking my offer for their house and she said she would ask ( she texted listing agent and called and got no response ). My wife and I went  ahead and called XXXX. He started the conversation by telling us we could do the prequal over the phone or on line. My wife told him she did not think it was necessary and also did not feel comfortable giving the seller our personal info. At this time XXXX said he would keep it private even though his manager is the seller of the property. When we asked about his relationship w/ XXXX he said they were co-workers. When my wife asked why we would need to redo a prequal XXXX responded that it was to make sure we had qualified for an amount to cover the loan and the seller felt more secure if the loan was a local lended. This is when my wife assured him we were w/ a local lender and that he must empathize w/ us being put in this awkward situation. He said he recognized the lender and said he was just doing what was asked from him from the seller ( his manager. ) and implied that if we did not go ahead and get a prequal letter from his company that the contract may not go through. We ended the call soon after he told us of his weekend availability. Two minutes later we received a text from our agent that our offer was rejected. I asked my agent today XX/XX/XXXX for a copy of the inter MLS portion and she said they removed the mortgage steering language from the listing since Friday.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX {$200.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$1100.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Consumer Loan

CASHCALL responded to my complaint stating that they have not called me. This was not even the complaint. Instead of answering the complaint they tried to dodge issue and divert attention. Also trying to place blame elsewhere without looking at the evidence in front of them. They then admitted the amount owed was was XXXX. On the XXXX loan. We all know that CashCall has been under the gun for shady loans. Then tried to respond by saying XXXX took over the loan. Well XXXX is a shell company of CashCALL but they are trying to avoid blame. XXXX was also under fire for harassment and then they had to refund. XXXX I said I would take the different offers to pay off and they never responded when I would accept. It was a game and lies. HERE is the issue and I am not going to take answers that make zero sense from Cash Call. Fine CASH CALL you state balance was XXXX. CASH CALL then you falsely claimed XXXX. Which is a blatant lie, false according even to CASH CALL CASHCALL I am going to assume that you did not look at the evidence or clearly read what I written all the way. I did not claim you were calling me during Chapter XXXX. What I am claiming is the lies about what was owed. So in 5 months a loan accrued XXXX in interest on XXXX loan. OK I will also be sending this appropriate FTC and AG. 2nd response states XXXX XXXX is who I have this with. Well that is not true. CASHCALL Claimed XXXX to the BK court which is false as they already admitted XXXX But this is what they do lie. Regardless I have the proof. I also have copies of the checks and where they were sent. TO CASHCALL in XXXX. Just in that is the discrepancy of XXXX that CASHCALL has 14 days to return or will be taken to court over and and interest on XXXX over 6 years at the rate that will be XXXX which is what my attorney will be going for along with attorney fees. Attached proves Cash Call was paid not XXXX. XXXX did not claim with BK court, Cashcall did. CashCall may call me to verify where to send refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Cbna inquiry date XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Cbna inquiry date. XX/XX/XXXX Received these unauthorized inquiries on my account.sent a letter to the company to reslove the issue and have these taken off my credit report.i have not recieved a response and now km moving forward to have them removed from my credit file.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, you are required to eliminate incorrect accounts from my credit file. Can you check the documents? Some accounts have inaccuracies in the reporting, including amounts and dates.
Product: Bank account or service

On XXXX XXXX, 2015 I called into Bank of America to stop a payment on a check that I had written because I did not have the funds in my account to cover the check. The check was created using the Bill Pay system and had not yet arrived to the merchant. The rep I spoke with entered some information and said it was done. 10 days later on XXXX XXXX, 2015 I checked my online bank account and noticed I was overdrawn XXXX because Bank of America decided to not stop the check and then charged me XXXX in overdraft fees. As the time as progress Bank of America is still charging me overdraft fees even though I made a deposit of XXXX to cover my fees. After making a deposit my account was XXXX. The very next day on XXXX XXXX, 2015 I was charged another XXXX because my account was overdrawn XXXX.
Product: Credit card or prepaid card

Around XX/XX/2018, I applied for a XXXX XXXX XXXX Credit card at the XXXX XXXX XXXX 's location. The card was approved. 

About a week later I received a letter from XXXX 's communicating congratulations for opening a XXXX XXXX XXXX XXXX. ( See attached letter ). 

However, I was stunned to learn that XXXX 's also applied for me to get a XXXX XXXX XXXX XXXX XXXX without my approval. 

This practice should not be permitted and I believe it's is not legal. As a result, my credit is damaged for being declined for a credit card I did not apply for.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received a copy of my ( Experian, XXXX, XXXX ) credit report, and I noticed some late payments along with their account numbers that was reporting inaccurate/incorrect information. 
XXXX XXXX XXXX XXXX Account numbeXXXX SOC SEC ADMIN OFFICE O Account XXXX U S DEPT OF ED/XXXX Account XXXX DEPT OF ED/XXXX Account XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX Inquired on XX/XX/XXXX The company 's are in clear violation of the law, Under 15 USC 1681b - permissible purpose of consumer reports, and 609 ( a ) ( 1 ) ( a ).
Product: Credit card

I submitted a dispute to American Express in the amount of {$5000.00} for a charge that was not authorized. The first response back to me from American Express ruled in favor of the merchant ststing that they provided proof that I made this transaction This merchant had submitted handwritten falsified information to AMEX including forged signatures and adding my name to invoicing. I was able to obtain the original paperwork that was submitted to American Express and to my attorney. The documents submitted showed that all correspondance and billing from this merchant in the past was never handwritten and printed from a computer system. I have made transactions with this merchant in the past where I was present, but that was not the case here and AMEX 's policies clearly state " American Express Cards are non-transferable, so they ca n't be borrowed or loaned " I had authorized a transaction on XXXX/XXXX/2016 in the amount of {$4600.00} to help my partner and I was present every time there has been a transaction. There was a warranty of XXXX or XXXX miles with that transaction and the reason that the car ended up back at this merchant was due to their equipment failure that should have been covered under the warranty. There is paperwork attached stating that {$0.00} balance was owed and then when the vehicle was being picked up the merchant tried to bill {$13000.00} without consent before the vehicle was completed which is illegal in the state of Florida. It states directly on all of their paperwork that customers must receive a written estimate if the final bill exceeds {$100.00} and estimates were not provided until the day that the vehicle was complete and ready for pick up ( merchant attached forged copies and you will notice that the date on those copies is the date of the alleged transaction ) I refused to pay and the merchant locked me out of the store, so I did not make this transaction. After resubmitting all of the proof ( documents ) to American Express they are still tying to make me pay for something I did not purchase.
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting NEGATIVE and INVALID information on my credit report and is severely affecting my credit scorXXXX. The account information that this company is providing can not be proven because they do not have the original signed document saying that I owe them a debt which is A direct violation of my CIVIL RIGHTS according to the FCRA section 609. This company must remove their account from my credit reports immediately and permanently. A DELETION OF THIS ACCOUNT FROM MY CREDIT REPORT IS A FAIR RESOLUTION. Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that does not indicate or prove : 1. I had this service. 
2. What services I am being charged for. 
3. What the cost of each service I am being charged for. 

A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report. 

I will proceed with legal action as prescribed by law against the above-named original creditor/collection agency. Should this item not be deleted within the required time allowed by law I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good afternoon, I am having a hard time with Experian report I have all the other Credit Bureau removed things that don't belong to me I sent all the document requested from me since XX/XX/2018 still not been sold. XXXX not sending me report back about investigation when I send several request I am attached the result from XXXX that XXXX collection was removed from my report and Experian and XXXX need to update my file. I am writing each of them with the same attachment I am sending you now.
Product: Checking or savings account

I have been having several issues with this bank since suntrust bought it. I have been charged just in the last month over XXXX dollars in XXXX fees. I have a secured credit card and an overdraft protection on this account and they charge me overdraft fees and then credit my deposits this bank is horrible.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act 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 I also have some inquiries on my credit report that I didn't authorized. 

Equifax Inquiries : XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

Regarding Paypal , Inc . 

On XX/XX/2017, two colleagues transferred funds to me to pay for a gift for our boss. One person had an XXXX name, the other an XXXX ( XXXX ) name and the funds were for a XXXX gift. The company processed and disbursed the funds from the XXXX co-worker but confiscated the funds from the Christian-named coworker. 

The company website states that " pending '' funds will be available in 21 days. I waited this time but nothing happened. I began calling, but none of the representatives were able to help and/or were instructed not to help. I continued calling, but nothing. 

The company has clearly violated my rights by choosing ethnicities from which to confiscate funds. In addition, they have borrowed from me without authorization. 

I would like a full explanation of what happened and why they refused to resolve this transaction in a timely manner. Also, they should make me whole for the confiscation and unauthrized borrowing of my funds and the banking problems this resulted in. 

The company should be more transparent they at times they borrow funds from your account for lengthy periods of time without your authorization. 

Lastly, the company should be more clear on their website and materials as to which races and ethnicities they apply different standards to. Please make public how the treatment is different for people based on their name and perceived religion and background.
Product: Credit reporting or other personal consumer reports

A company called " Rise '' has been reporting an alleged " charge-off '' on my consumer report and it is inaccurate. Pursuant to IRS topic number 453 titled " BAD DEBT DEDUCTION '' says that bad non-business debt must be WORTHLESS to be a deductible. Obviously Rise has benefited from this alleged debt by writing it off as a tax dedcuction. Which makes it income for me. The Consumer reporting agencies does not report income so how is it that Rise is reporting an alleged charge off? 

As a Financial Institution defined under 15 USC 6827 they have a duty to provide 3 disclosures to me which are : 1 ) Such disclosure that clearly and conspicuously detailing that such information may be reported to a third party 2 ) A disclosure giving me the opportunity to direct that such information can not be disclosed to a third party. 

3 ) A disclosure giving me the explanation of how I can exercise that nondisclosure right. 

Rise does not have this information therefore they have no right to report any information about to any third party. I never gave permission to disclose such information.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit the FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information that is being posted to my report. 
Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Debt collection

Back in XXXX, I bought a house and was getting furnitures for it. I made some orders through wayfair, some items didn't arrive and the ones that arrived, didn't match the website photos. When I reached out that I didn't expect these items to look different, I initiated a return. I was informed I would get something in the mail like a card to process my refund. I didn't receive any further notices until I started receiving notices for owing debt to Citi Bank on Wayfair behalf. I returned items that came and will attach the shipping labels as well. Since XXXX, this citi bank charge is affecting my credit history and I would it resolved please.