23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a Checking and Saving account with the Chase Bank since last year and I get my pay every week in my checking account. I have submitted the request for home loan with Chase Bank more than 45 days ago and after verifying all the information such as credit score, social security information and other relevant information, Chase Bank issued a Pre Qualification on XX/XX/XXXX. 

Later on for further processing in order to proceed for the closing, I had submitted all the documents such as XXXX, all my legal documents ( Employment Authorization Document-EAD, Document of notice of action XXXX ) issued by USCIS, my Driving license issued by Kentucky, W2 forms of XXXX and XXXX, Tax return statements of XXXX and XXXX, information for the employment verification, bank statements of XXXX XXXX  and Chase bank which showed the funds available for down payment, closing and I have the funds more than the required amount. 

Chase Bank sent me the Closing Disclosures on XX/XX/XXXX and the closing date was scheduled to be on XX/XX/XXXX but it was delayed. 

But now, when almost everything is ready such as Condo inspection completed, the title documents were prepared, Condominium insurance, home appliances warranty and almost everything was prepared and were just for the new closing date. The seller too cooperated for the extension of the closing date. 

I was surprised when I came to know from the Chase Bank that I was not eligible for the loan approval as per the recommendation of the underwriting team. The reason for denying my mortgage loan is that I do not have a Permanent Residence status ( Green Card ) and I have the category of XXXX in my EAD ( Employment Authorization Documents ). I told them that I am in que to get my Green Card and it will take time. 

They would have done this verification for eligibility as the first step in the beginning, prior to issuing the Pre Qualification letter, Conditional approval and the Closing disclosures. They have wasted a lot of my time ( more than 45 days ) giving a false hope of approving the mortgage loan. I have missed other options available for me at that time. I am wondering at their immature system of working. 

I am a legal resident of USA and I have all the legal documents issued by USCIS. I have filed my tax returns for the years XXXX and XXXX and I have submitted all those documents. 

Even though my category in my Employment authorization is XXXX, I am still eligible for the mortgage loan. The Mortgage report says that a foreigner with valid EAD is still eligible for Mortgage ( XXXX XXXX XXXXXXXX ) whereas the decision of the underwriting team of Chase Bank is contradictory. 
I am in stressful situation at this last moment and I have spent money for the Condo inspection ( {$300.00} ), paid the services charges to my realtor company ( {$300.00} ) and even the Chase Bank charged {$500.00} towards the mortgage processing fee.
Product: Checking or savings account

someone used my social security number to open an account at navy federal credit union online
Product: Money transfers

Hello, I 've been XXXX for over 8 years now, XXXX on XXXX and Ebay, and using Paypal to accept payments from my customers domestically and internationally. I have perfect feedback on both sites and many many returning thrilled customers, dedicating my life to making my customers happy. In XXXX after a customer in XXXX had apparently used a stolen credit card for an item they purchased in my XXXX XXXX and then subsequently filed a 'chargeback ' ( to which I immediately gave my okay for the funds to be returned to the rightful credit card holder, even though I believe this customer was using this stolen- or not stolen- card to defraud/steal from me ), I had my Paypal account 'Reviewed '. During this review period Ebay also closed my store because of their rule that all sellers must have a Paypal account in good standing and Paypal is the only method of payment sellers are allowed to use. After about 2-3 weeks of worry, phone calls and much travail I received an email from Paypal stating that they had decided to reinstate my account but that they would now withhold 25 % of all of my incoming funds for a period of 4 months ( a 'rolling reserve ' ) starting immediately ( no warning whatsoever ). They said this is due to a number of reasons, XXXX of which being that my credit score was below XXXX etc., etc. and that I had a high percentage of chargebacks ( I believe I have had less than XXXX in the last 12 months- XXXX of which were no fault of mine whatsoever ), blah blah blah. They are now holding about {$3000.00} of my money as of the date of this writing, and Paypal in the email ( see attachment ) also stated that I am not even allowed to ask them to re-review my account until after XXXX XXXX 2015. I would like Paypal to release my funds immediately, for XXXX thing because they are a Money Transmitter, NOT a bank, and as such should not be legally allowed to withhold money for the length of 4 months, regardless of whether or not it says this is okay somewhere in their giant and ever changing user agreement that they make all users sign, also because this has caused me to now have trouble filling my orders and paying my bills and will ultimately ( and possibly very soon unless I 'm able to get a loan ) make it impossible to stay afloat. Please help. There are also many others out there like myself, I am by far not the only XXXX. Paypal should be stopped from being able to abuse their power anytime they feel like it- at best it 's extremely unfair and at worst, it 's illegal. 
Thank you so much for any help. 
NOTE : I had to choose only XXXX option below, but really it should be both domestic AND international money transfers, as my funds being held are from both types of transfers.
Product: Credit card or prepaid card

This past XXXX I received calls from someone claiming to be from CitiBank " Corporate Office '' and asking me for very detailed information about my accounts and if I did not provide it they would close my accounts. This number was not listed as CitiBank and seemed very suspicious. I called the customer service line for my credit card, the agent stated no information was required. To double check, I contacted Citibank XXXX office, inquiry XXXX. I received a letter dated XX/XX/2020 from Citibank Executive Response stating Citibank has not attempted to contact me to verify information and I should contact customer service as my account information may be compromised. 
On XX/XX/XXXX, All of my Citibank personal and business credit cards were closed without warning. 
Customer service states I did not respond to requests for information so all of my accounts were closed. 
I did not respond because Citibank told me this request for information was fraudulent and did not come from Citibank. 
I have been a Citibank customer for 20+ years with a perfect history, I have a high credit score and a perfect payment history with all of my accounts.

I can not believe Citibank would do this in the middle of the pandemic crisis the world is facing right now. 
I followed Citibank 's advice not to respond to the suspicious phone calls, I would provide any information required had Citibank told me the request was legitimate. 
I request my accounts be re-opened, I have been a loyal Citibank banking, mortgage, and credit card customer for many years.
Product: Credit reporting or other personal consumer reports

15 USC 6802 '' refers to a section of the United States Code, Title 15 ( Commerce and Trade ), which outlines the obligations a financial institution has regarding the disclosure of a consumer 's " nonpublic personal information, '' essentially dictating when and how a financial institution can share personal details about a customer with third parties, often referred to as part of the XXXX XXXX XXXX XXXX XXXX  privacy regulations ; it requires providing notice to consumers about how their information may be shared and giving them the opportunity to " opt out '' of certain types of information sharing with non-affiliated third parties. This company has never sent me the required disclosures nor an option to opt out. Lvnv funding keeps sharing my personal information and is reporting false information to the Credit Reporting Agencies. These accounts needs to be deleted.

LVNV FUNDING IS REPORTING A XXXX BALANCE TO XXXX AND XXXX LVNV FUNDING IS REPORTING XXXX BALANCES ON XXXX XXXX XXXX AND XXXX I AM DISPUTING THESE ALLEGED ACCOUNTS
Product: Credit card

There is an account that myself and my boyfriend opened in XXXX of 2009. We financed furniture and the limit on this revolving account was {$4200.00}. We paid on the account for 3 years paying {$220.00} faithfully every month. When I recently pulled a copy of my credit report, I noticed this account was still reporting a balance of {$8700.00} and was stating that it was charged off. It was actually reporting XXXX different ways amongst the bureaus and this rose suspicions. Just the simple math of {$220.00} X XXXX payments comes to a total of {$8200.00} that was paid for this {$4200.00} in furniture. I 'm having a really hard time understanding how the balance can is now {$8700.00} and no one knows how because they ca n't produce a paper trail. 
When I called Synchrony Bank to request billing statements so that I could review these crazy numbers that where being given as debt owed, I was told that they do n't have any of those records because all they did was buy out GE Money and they were n't given those records. This did n't sound right to me at all so I started doing some digging. When I researched GE Money and Synchrony Bank I realized they had been sued for adding an insurance balance protection plan and I know I was never offered anything of this nature when we had a hardship. I found also that the amount they were charging was 2 % of the principal balance and not knowing whether or not we signed up for this or if we where charged for this and not offered during the time of need is my reason for requesting billing statements and a copy of the signed contract. 
Originally, when I spoke to Synchrony Bank, I was willing to settle the account but again, the numbers did n't add up and to thing that I had already paid double what I borrowed and was possibly charged for something that I was totally unaware of but not able to utilize was very suspicious so I called and canceled the settlement offer agreed upon until documentation could be produced to verify the amount owed more than just someone telling me that is what I owed. 2 % of the balance is {$170.00}. If I was being charged for this insurance that I was unable to utilize, that would explain the balance being so high. That is the only thing that would be of any sort of explanation as to why I owe anything more for this furniture. I am requesting copies of billing statements so that I can better understand why the balance is what it is. I would also like a copy of the signed contract from XXXX XXXX which was done in store.
Product: Debt collection

I disputed an item that was falsely added by this creditor. On my credit file they claimed i owed {$120.00}. On XX/XX/18 I sent my first letter, this letter was received by them via certified mail on XX/XX/18, After 30 days passed, this company didn't respond to my first letter or did I receive any viable document bearing my signature. I sent them a 2nd letter on XX/XX/18 continuing to dispute the derogatory item on my credit profile, this letter was received via certified mail by them on XX/XX/2018, this company responsed to my 2nd letter with a document that looks like a bill, and no other document was provided bearing my signature stating I have a contractual agreement with them. They continue to report this false item on my credit profile to all 3 bureaus. As per FTC opinion letter from Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. This company continue to break the law by falsely reporting derogatory item on my credit profile. This is illegal and unethical.
Product: Debt collection

I received a notice for XXXX XXXX XXXX XXXX ( 2nd violation ) the 2nd one was inadvertently on the 1st ones account number.

when notified that 2nd wasn't paid I contacted the reporter and supposedly had it all straightened out.

the fine was transferred from 1st to 2nd XXXX however there was late fees incured re spoke to to the people that were collecting for the fine was directed to another govt agency who informed me by email that it was fixed. 

Then I got a notice for PAM a collection agency that they had added more cost on top of the now ( I was told fixed account ) I have spent more than 3 hours on hold listening to their hold music and have not been able to tell them that there info is wrong. 

PAM professional account management XXXX XXXX XXXX NY XXXX www.pamcollections.com ( no way to contact them thru here either ) XXXX my account # XXXX and zip code XXXX ( they ask for it in the ID process. ) the letter is dated XX/XX/2024 XXXX XXXX XXXX XXXX but when you call them they refer you to XXXX which is where I got the email from saying my account was clear
Product: Credit reporting

I have no knowledge of this account and it does not belong to me. This is a XXXX report on my credit report.
Product: Student loan

Servicer is reporting 14 loans as delinquent, and this is NOT true.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

On XX/XX/2022, around XXXX XXXX, I transferred money from my JPM Bank account to my XXXX  XXXX XXXX account. Noticing I didn't receive a notification of transaction, I contacted JPM Bank to see what had happened. Then the JPM Banking representative confirmed it has been moved to an account on a number I no longer had but it was mine prior. On XX/XX/2022 I changed my phone number and I changed it to my account on both parties, however, JPM Bank did not update my information and sent the money to the wrong party. After this incident I had multiple contacts with a lot of JPM Bank representatives, including a supervisor, that refused to help me further in investigating and they stated that it was my fault for making the transaction. I was left with no answer. I called several times and all of the calls were terminated on me. Again, I was left with no answer or help. When receiving a letter from JPM Banking, I got proof from the bank stating it was sent to my bank account on XXXX  XXXX XXXX but my bank statement says otherwise, since I never received the transaction. Furthermore, my case was open and closed several times. On XX/XX/2022, a JPM Bank representative stated that he would re-open my claim and I would be able to fax documents, one stating that I have received a letter from JPM Banking of the claim and another one that would prove that the phone number the money has been sent to was mine. On XX/XX/2022, while trying to fax the documents, another JPM Banking representative refused to get the fax documents and stated my claim was closed, again. I have had enough patience regarding this matter. For almost a month I have been trying to dispute and fix this matter and I still do not get an answer nor do I get the claim open with any further information or proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I need my credit report to be accurate and up to date. I found a few things that are not correct on my file. My name is XXXX XXXX XXXX please remove any other variation of my name. My current and only employer is XXXX please remove all others. My current and only address is XXXX XXXX XXXX, XXXX, PA XXXX. This is the second time I have requested the deletion of these numbers the are not mines. 
( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( 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: Checking or savings account

On XX/XX/2021, I received an email alert from Chase stating that there was an ongoing wire transfer of {$8700.00} debited from the account that afternoon. Knowing this was NOT me, as the wire transfer was to a stranger in a completely different state, I immediately called to report fraud. The employee at Chase said my mother, with who I share the Chase account, confirmed the transaction. We then went on a joint call and confirmed that neither of us confirmed this transaction. Chase proceeded to tell us that we have to wait up to 10 business days to receive an affidavit, sign, and return it, and 5 days later an investigation will begin for the fraudulent transaction. The pending wire transfer is not being stopped, the money is not being put back into my account, as well as freezing my account until the investigation is over, in about two weeks. This is my primary source of funds. Not only have I lost {$8700.00} by someone easily logging in to the account, but now I have no access to my funds. The security at Chase did not protect my account or my joint account with my mother. A stranger easily logged in and took money, and Chase is not doing anything immediately to fix the situation.
Product: Vehicle loan or lease

I had a vehicle loan with Ally Financial on my XXXX XXXX XXXX, started in XX/XX/XXXX. On XX/XX/XXXX, the loan was paid when I refinanced with a new bank. I was entitled to a gap insurance refund from Ally Financial. I made the request on XX/XX/XXXX to XXXX ( point of sale ). I never heard anything from Ally, so I contacted again XX/XX/XXXX. XXXX confirmed that Ally received the {$410.00} on XX/XX/XXXX. Ally advised on XX/XX/XXXX that the funds would be released in 30 days. I still never received anything from them. I contacted them back in the beginning of XXXX and was told that the check had been approved for release on XX/XX/XXXX but had not been mailed. I was advised the check was being mailed that day. I received the check on XX/XX/XXXX ( check # XXXX ) in the amount of {$410.00}, and deposited it via mobile deposit into my XXXX  XXXX XXXX checking account. On XX/XX/XXXX I received a notice from my bank that the check was returned and that I would be assessed a {$12.00} return check fee. I contacted Ally again XX/XX/XXXX and was told the representative I had spoken with had put a stop payment on the check and requested a replacement ( I was told multiple times a new check would NOT be reissued ). I asked about the status of the replacement check and was told they could not tell me. Each time you call, it is atleast 30 minutes to an hour to reach someone and you must contact them during business hours, which is when I am also working. I just want the money that is already mutually agreed is owed to me.
Product: Debt collection

A disputed medical bill from u of u was given to express recovery services. We explained that it was, and still is disputed to express recovery. We explained there are inaccurate charges and credits and will not pay more until it gets straightened out. They did nothing to straighten it out, threatened us with extra fees, and just filed a legal suit against us. First of all they put this on our credit report and did not mark it as a disputed issue as they are required. Second, they have ignored the judge XXXX XXXX XXXX 's instructions to not charge interest or fees and are still pursuing the inflated amount from us. We have sent them a check but they wo n't cash it. They have do not conduct business to obtain accurate payments on bills. They will not research issues to be accurate. They will not follow the judges direction. They report to credit agencies unlawfully by not explaining the issue is disputed. I also noticed they deceitfully collect collection information at the courthouse without explaining what any why it is going on. Their employees are allowing themselves to be misrepresented as officers of the court in order to get descriptions of assets so they can collect against them. Those people called into court assume the people in the courthouse telling them to fill out paperwork are court officers. That is a deceptive business practice.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting inquiries that is over 2 years old which should have been deleted
Product: Mortgage

I have been trying to reach out to them for awhile regarding many things. They are impossible to get ahold of. They don't pick up the phone and they don't respond to emails. They even went above and beyond to hide their email and phone number. 

The company 's name is Roundpoint Mortgage Servicing LLC.
Product: Credit reporting or other personal consumer reports

Please delete these unauthorized inquires from my credit report. Transunion, XXXX, and XXXX are all reporting unauthorized inquires which has damage my credit report. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting XXXX XXXX XXXX :, XXXX OF XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX : # 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 instructions15 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 . 16815-2 ( 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.I want the CFPB to publish this description on consumerfinance.gov so that others can learn from my experience. The CFPB will take steps to remove my personal information from this description but someone may still be able to identify me. Learn how it works. I consent to publishing this description after the CFPB has taken these steps.Publishing this description will not affecthow the Cre hardes four companUBSCRIB