23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My Fifth Third Bank HELOC had an advance block placed on it XX/XX/XXXX with no explanation given, only {$14000.00} of an available $ XXXX owed, never a late payment and I have verified by 5/3rd XX/XX/XXXX score of XXXX as of XX/XX/XXXX. I was told by my local branch there was nothing they could do to review that block even if it was an error but because my credit was good I could refinance my mortgage to ensure continued access to my home equity if wanted and lock in a low rate as I currently had an ARM. I knew rates were low and likely to start moving up so if I did do that I wanted to get locked in ASAP. I was referred to XXXX loan officer XXXX XXXX NMLS ID : XXXX. I spoke with her on the phone on XX/XX/XXXX and after explaining the situation she told me I would qualify for a cash out refi with my income and credit score. I asked her specifically what rate would I be locking in if I got my app in that same Friday and she told me 2.99 % and even said if I got it in before Monday I'd get the Friday rate. On Mon. XXXX I get my 1st loan estimate and it's for a rate of 3.25 % and it's not locked. I immediately email her to ask why the rate is different from what she quoted me and why it says it's not locked when she specifically said I'd be locking in the Friday rate. After 10 days of trying to get an answer about the difference in rate & lock she finally replies to say the rate is different because it is cash-out even though that was the only type we discussed and the only type I could get as I had a now frozen HELOC to pay off, she says nothing about the lock status. After another 5 days asking if it is at least locked in she lies and says it is locked even though my original loan estimate clearly says it isn't, " Your rate is locked. I am running the numbers to see what makes the most sense with the rate you currently have. '' then she drops the loan amount by $ XXXX from the original $ XXXX I applied for & adds a {$2800.00} ( full point ) fee to lock it in at 3.25 % in a new loan estimate effectively trying to make me pay thousands more to buy down the rate because of the fact that she didn't lock it in to begin with as I specifically requested. I called her out on this on XX/XX/XXXX and she has yet to reply to me.
Product: Checking or savings account

I Opened a claim for 4 transactions made with my debit card Visa ending in XXXX on XX/XX/year>, for merchandize not received. 
I never get any letter or correspondance on my mailing address with the information of the claim, or any update about the case. Also I never received the provitional or final credit for the disputed transactions. 
I sent to the bank a couple of days after the claim was opened the letter explaining the situation and the invoices to support my case ( attached ). 
Claim number : XXXX XXXX XXXX XXXX
Product: Mortgage

I am writing to formally lodge a complaint against XXXX XXXX XXXX XXXX, a loan officer with Revolution Mortgage ( T2 Financial LLC, XXXX XXXX XXXX XXXXXXXX ), regarding his handling of my mortgage application. My assigned loan number : XXXX On XX/XX/year>, I received a welcome letter confirming that I was under contract with Revolution Mortgage. Throughout the process leading up to my scheduled closing on XX/XX/year>, I provided XXXX XXXX with all necessary personal information, including income documents, employment verification, and rental information. An appraisal was completed for the property I intended to purchase, and the title work was finalized by the attorney 's office.

However, two weeks before the scheduled closing, communication from XXXX XXXX and his team ceased entirely. I have made countless attempts to reach out via emails, phone calls, and text messages, seeking updates on my loan status, but to no avail. As of XX/XX/year>, I have not received a loan denial letter, nor have I been able to retrieve my earnest money. 

I feel highly discriminated against due to the lack of communication and support from XXXX XXXX, especially in comparison to how he communicates with others. This failure to keep me informed has caused significant financial and emotional distress. I had made various arrangements in anticipation of moving, including notifying my current landlord of my intended move-out date of XX/XX/year>. My family and I are now at risk of a rent increase or losing our home altogether. 

As a first-time homebuyer, I expected a professional and supportive experience. Instead, XXXX XXXXXXXX XXXX  handling of my application has made this process overwhelmingly stressful and disheartening. 

I kindly request your office 's assistance in facilitating communication with XXXX XXXX and resolving this matter promptly. Thank you for your attention to this serious issue. I look forward to your response.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX provided me with a letter dated XX/XX/2018 stating the following : Please be assured, we updated the credit reporting agencies to report the credit limit as ( XXXX ). Please allow the credit reporting agencies approximately ( 30 days ) to update their records. ( See attachment. ) As of XX/XX/2018, more than ( 30 days ), the credit bureaus have not updated their records. Per the Fair Credit Reporting Act, the account must now be deleted from all credit bureaus.
Product: Checking or savings account

I sent money to a merchant through cash app from charm debit card. The money was refunded and the amount of {$1.00}, XXXX in increments of XXXX XXXX and XXXX increments. I received all of my refund except for XXXX even though time agents have told me exactly what happened time will not give me resolution on this matter.
Product: Credit reporting or other personal consumer reports

I am writing to notify you that I am a victim of a data breach, and I am requesting the immediate blocking and deletion of fraudulent accounts and inquiries listed below. These accounts were opened and inquiries made without my knowledge or authorization, and I am asserting my rights under 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX  XXXX XXXX - XX/XX/XXXX - {$00.00} XXXX XXXX XXXX - XXXX - XX/XX/XXXX - {$00.00} XXXX  - XXXX - XX/XX/XXXX - {$00.00} Fraudulent Inquiries : XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXXXXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX
Product: Debt collection

I have received 11 calls from this company without call back availablility to those numbers. The circumstances of this debt have never been discussed in person. They have repeatedly harassed me via phone.
Product: Mortgage

My escrow changed which caused the increase in monthly payment. I lost my job in XXXX due to the pandemic, was out of work for 10 months, and just started working in XXXX. I have been trying to catch up on debt as well as catch up on the mortgage account. Fay Servicing was accepting my previous monthly payment amount each month even though the payments were short {$150.00}. Every month the payment would be split between 2 months, paying the remainder balance of previous month and crediting the current month. This continued until XX/XX/XXXX where my XXXX payment was held in a escrow account and not applied to XXXX and XXXX balances. 

Fay Servicing accepted my XXXX and XXXX payments but never informed me that they would not accept or apply the funds to my account. Each of my statements from Fay Servicing state " Partial Payments are not applied to your mortgage, but instead are held in a sperate unapplied account. If you pay the balance of a partial payment, the unapplied funds will then be added to your mortgage. '' I was never notified that Fay Servicing would refuse partial payments, my payment would not be credited/applied, or that they would not accept partial payments. Like I said Fay Servicing was accepting the short payments prior to XX/XX/XXXX. 

Fay Servicing waited until the end of XXXX to serve me with a 45 day letter. Then when I contacted them I either couldnt get through, got hung up on, or no returned communication ( phone or email ). I was ready to make a {$1000.00} payment on XX/XX/XXXX but Fay servicing just returned my XXXX Bank check stating my property is in the foreclosure status and they can not accept any payments unless it is the full balance. Fay Servicing would have had {$3300.00} applied to the account with all the payments since XXXX. I do not even know where the XXXX payment has went because Fay servicing has not applied it to my account but I have documentation proving it was sent. 

Attached you will find my documentation and supporting evidence that my account was only delinquent 30 days with a {$630.00} balance if my payments were applied accordingly. I was never giving the appropriate time to rectify this situation and now Fay servicing wants roughly {$2500.00} in XXXX XXXX fees which I need to pay with the past due balance to remove my loan from foreclosure. This is a scam, rip off, and they are taking advantage of the situation. 

Please help me rectify this situation. I do not want to file bankruptcy and reaffirm my home ( which would be cheaper than {$6000.00} ) but if I have to and have no choice I will. 

Payment History : XXXX Payment - paid remainder of XXXX XXXX {$92.00} ) and left XXXX with a {$270.00} balance XXXX Payment - paid remainder of XXXX XXXX {$270.00} ) and left XXXX with a {$450.00} balance XXXX Payment - paid remainder of XXXX XXXX {$450.00} ) and left XXXX with a {$630.00} balance Currently owe = {$630.00} which is only for the end of XXXX and {$1500.00} to become current in XXXX. 

Like I mentioned I was willing to pay {$1000.00} on XX/XX/XXXX but wasnt given that opportunity. That would have brought the balance to {$580.00} by the end of XXXX.
Product: Debt collection

Dear Sir/Madam, I am writing to bring to your attention an issue I have encountered with XXXX XXXX XXXX  and Resurgent Receivables, LLC, and to seek your assistance in resolving it. 

I received communication from XXXX XXXXXXXX XXXX regarding a debt that was charged off on XX/XX/year>, and subsequently transferred to Resurgent Receivables, LLC. Despite my attempts to address the matter with both companies, I have been unsuccessful in having the account removed from my credit report. 

I respectfully request your intervention to facilitate the removal of this account from my credit report. 

Thank you for your attention to this matter. I hope for a swift resolution with your assistance. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I have been dealing with a series of complications related to my business checking account. My debit card was locked due to technical issues, which prevented me from using it to complete an important business purchase. I contacted support for assistance, but they were unable to unlock the card. In order to proceed with the purchase, I transferred {$150.00} of the necessary funds to another account which included a {$15.00} dollars fee charged by XXXX on XX/XX/XXXX. 

Unfortunately, the wire transfer was made using an incorrect routing number, XXXX, directing the funds to JP Morgan Chase instead of the intended account. The transfer was initiated on XX/XX/XXXX, but neither JP Morgan Chase nor XXXX has been able to assist in resolving the issue. JP Morgan Chase has provided minimal information regarding the status of the transfer and has been unable to clarify how or when the funds will be returned. 

XXXX has confirmed that the wire transfer appears to have been completed on their end, but they have informed me that they can not reverse the transfer. Despite having the confirmation and tracking information for the wire, both banks have been unhelpful, leaving me in a situation where the funds have not been returned to my XXXX checking account. As of now, I am still waiting for guidance on how to recover the funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, and Transunion credit agencies have refused to remove accounts on my credit report related to fraud and I have sent them proof on several occasions & they still refuse to help me. It has been a couple of months and they still not removing this information from my credit report.
Product: Debt collection

1. Receivables Management ( I have attached the document to the complaint ) - I demanded to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the account listed. Their failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. I demanded the following account be verified or removed immediately. 

This showing up on XXXX, XXXX, and XXXX. 

Thank you for assistance on correcting this matter for me. 

XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX bank Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX Acct # XXXX XXXX XXXX  Acct # 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
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed I had a fraudulent account on my report. Please remove this fraudulent account from my report because it is hindering me from obtaining credit. I don't recognize this account. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am currently in the process of looking to buy a home through the VA. I was curious about how loan rates, interest, and amounts would impact the monthly repayment cost. I was trying to find an online calculating tool to see what my estimate would be if I changed some of the variables. 

I was referred to Rocket Mortgage and explained this to the representative. I elaborated that I already had a pre-approval through the VA and was simply looking for a calculative tool. I provided some basic personal information and was informed that an inquiry would be conducted in order to get the most accurate numbers. I asked if it would be a soft or hard inquiry, as I did not want it to negatively impact my credit score. 

I was assured it would only be a soft inquiry, and I consented. It was not. It was a hard inquiry, and I immediately saw it on my credit report. I was not trying to get a loan through Rocket Mortgage, as I already have one through the VA. This occurred on XX/XX/2024.
Product: Credit card

On XX/XX/XXXX, I purchased a Samsung Smart TV from Best Buy, with a Best Buy credit card, for {$2100.00}, 24 mos interest free financing. Regular monthly payments were automatically deducted from my XXXX checking account. I had paid {$1200.00} when I first became aware, in the XXXX, that Citibank was charging me interest from XX/XX/XXXX, retroactive to the date of purchase, XX/XX/XXXX!! I was not receiving paper statements from BestBuy or Citibank and was n't opening any email communications because payments were being made automatically. 
My phone & mail attempts to settle w/Best Buy were to no avail. On XX/XX/XXXX, I nevertheless paid by phone an additional {$1200.00}, so I have now paid {$2400.00} ; but according to Best Buy I still owe {$1800.00}. 
In XX/XX/XXXX, I filed a complaint with the XXXX Dept of Consumer Affairs ( Case No XXXX ). Not until XX/XX/XXXX was I notified that Consumer Affairs does n't handle complaints against financial institutions ( i.e., Citibank )!! 
I believe BestBuy 's policy is unfair & usurious, designed to take advantage of unwitting customers. I recall reading in the XXXX that other complaints and perhaps a class action suit has been brought against electronic companies for these kinds of practices. A copy of the Best Buy receipt is attached. XXXX Consumer Affairs recommended that Id submit complaints to the FTC ( which I did, but it turns out FTC does not handle individual complaints! ) Thank you for your assistance.
Product: Credit card or prepaid card

I paid off my Capital One credit card balance on XX/XX/XXXX. On XX/XX/XXXX they charged me {$94.00} with a description of finance charge/ interest when I had a XXXX  balance.
Product: Credit reporting or other personal consumer reports

An account was opened in my name back in XXXX  with XXXX XXXX. Someone has charged this card and has now ruined my financial reputation. I do not know how or when. However I contacted XXXX XXXX made them aware and requested fraud kit after they said they would mail it and ask if i permitted I agreed. I received it and sent it back. XXXX XXXX is still reporting the data XXXX has ceased reporting it and removed it but its still reporting on Transunion and XXXX. Please help I am about to be homeless as my lease ends in XXXX and as I am applying for a mortgage this is hindering me, and ruining my financial reputation. 

I am so disappointed because this was an issue I assumed was resolved over a year ago.
Product: Debt collection

I am in the process of purchasing a home. I had my credit pulled and was surprised to see a collection from Convergent which dropped my score significantly. I have received no phone calls or contact via US Mail to confirm this collection is mine. Due to this I did not & have not obtained the full statutory period in which to dispute the validity of this debt in question as I did not receive an initial notification regarding the debt. I would like this collection removed from my credit due to erroneous collection practices.
Product: Credit card or prepaid card

My Citibank credit card company notified me that a charge was made in Florida at XXXX 's for {$920.00} and asked if I had made the purchase. I said no ( I ordered nothing at XXXX 's or anywhere else in Florida ). Citibank then credited my account for the fraudulent amount. In XXXX, however, they charged my account again for double the {$920.00} charge. They said that I had been credited twice, once by them and once by XXXX. Since they cancelled the previous account and sent me a new card, I saw no evidence of this double debit. However, even if I had been credited twice, since I never made the fraudulent charge, I should not have to pay twice. One credit I could understand paying for but, since I never made the charge, not both.
Product: Credit card

PAY PAL Mastercard requested XX/XX/2024 in which i never applied for no credit card by PAY PAL I don't use XXXX XXXX XXXX as an address for credit due to its a JOB location by me been a travel nurse.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate information that appears on my credit report. After reviewing my report, I noticed several errors that have negatively impacted my credit score. I believe these inaccuracies are not a true reflection of my credit history, and I request that they be investigated and removed as soon as possible. 

The items in dispute are as follows : collection/charge off XXXX XXXX XX/XX/XXXX {$330.00} XXXX XXXX CALIFORNIA XXXX XX/XX/XXXX {$900.00} XXXX XXXX XX/XX/XXXX {$690.00} XXXX 'S XXXX XXXX XX/XX/XXXX {$490.00} XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX personal information Also Known As : XXXX XXXX Also Known As : XXXX XXXX Also Known As : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX : XXXX XXXX : XXXX XXXX XXXX : XXXX XXXX  XXXX : XXXX XXXX XXXX Previous Address ( es ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXXXXXX, CA XXXX XX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX CT  XXXX XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX CT XXXX XXXX, CA XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, CA XXXX
Product: Debt collection

Repeatedly told them to NOT call me at my jobI still get calls at work. They also repeatedly call me every day, 3-5 times per day!
Product: Credit reporting, credit repair services, or other personal consumer reports

WENT TO CARLOT THEY SAID THEY WOULD RUN MY CREDIT WITH ONE BANK AND THEY RAN IT ALOT OF TIMES. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 USC 1681. 

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 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 XXXXXXXX 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 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 reporting

I disputed a medical account on my Experian credit report XXXX/XXXX/XXXX and the account came by verified and I sent a certified letter on XX/XX/XXXX asking for verification of who they spoke with and methods used to verified and I received a credit report today stating the information is verified and remains unchanged. They did not provide me with who they spoke with or methods of verification. I contacted the hospital and I have receipt of the bill being paid and that it is not in collections. the credit reporting agency did not verify the information because the balance was paid to the hospital and the account is not in collections. if they verified the information they would not that it is incorrect and remove the collection agency from my report
Product: Credit card

I am writing to lodge a formal complaint against Bank of America regarding their failure to provide me with a physical address to submit my opt-out notice from sharing my personal non-public information with non-affiliates, as stipulated by the U.S. Privacy Act. 

On XXXX, I spent over two hours on the phone with Bank of America 's customer service. During this time, I was repeatedly given the run-around and transferred 20 times. Despite my persistent efforts, I was not provided with a physical address to submit my opt-out notice. At the end of this frustrating ordeal, I was informed that they do not have an actual address for this purpose, which is both unacceptable and in violation of my rights under the U.S. Privacy Act. 

This lack of transparency and cooperation from Bank of America is deeply concerning and has caused me significant frustration and inconvenience.