23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

This is a follow up to complaint ID  XXXX  as I was not given an opportunity to respond to Chase 's last response to this complaint. This complaint is regarding a fraudulent appraisal used on a property (  XXXX   XXXX   XXXX ,  XXXX  Ohio  )  that closed in  XXXX  of  XXXX . In Chase 's response to this complaint they stated this loan paid off  XXXX  existing mortgages and I received {$38000.00} at closing and I benefited from this ( see paperwork attached ). The paperwork that accompanied their response were closing documents on a completely unrelated property in a different city that was sold in  XXXX  -  XXXX  years prior to the property listed in the original complaint. How they are connecting these  XXXX  is beyond me and demonstrates  Chase  's lack of due diligence and attention to detail.   XXXX  I have brought this inaccuracy to the attention of the person from  Chase 's Executive office assigned to this issue and they too were confused how their legal team g ot these  XXXX  transactions mixed up with each other and would look into. It has been several weeks since this conversation and my contact at  Chase  is now ignoring my phone calls and has not returned any calls for  weeks .   XXXX  As I understand it, the CFPB was established to help protect consumers from unethical practices of large financial institutions. I do not believe this issue is taken seriously or being handled ethically.
Product: Payday loan, title loan, personal loan, or advance loan

I received an alert on my XXXX XXXX account about my credit score change. After reviewing it I noticed a personal loan was taken out under my name a DIGNIFI. I have been trying to call them on their XXXX number but I I received is a busy signal. I sent them an email explaining the situation and no reply has come forth. 
I want to dispute this transaction since I did not apply for the personal loan myself. Please help me fix and resolve the issue and problem. 
Thank you for your time and consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

FEDERAL LAW REQUIRES THE AGENCIES TO RESPOND WITHIN 30 DAYS, AND THEY HAVE YET TO RESPOND, BECAUSE OF THEIR FAILURE AND ACCORDING TO THE FEDERAL REGULATIONS THE CREDIT REPORTING AEGENCIES SHALL BE INVESTIGATED BY THE Federal Trade Commission ( see 15 USC 41, et seq. ).

Upon multiple notices to the credit agencies, I have stated I am a victim of identity theft, I HAVE SENT DOCUMENTATTION PROVING I AM A VICTIM OF THEFT. I have sent documentation that included an FTC Report as well as a Police Report. The credit agencies have failed to follow FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I HAVE SENT LETTERS TO ALL THREE CREDIT BERUEAS ON THE FOLLOWING DATES XX/XX/2021 & XX/XX/2021 I have also asked that the credit agencies refrain from reporting and block all information resulting from this case pursuant to FCRA 605B ( 15 U.S.C, & 1681 c-2 ) which states that this information must be removed within four business days. I have demanded them to remove the items stated below 1. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX XXXX. Identity Theft XXXX Account Number : XXXX Account Number : XXXX XXXX. Identity Theft XXXX XXXX XXXX XXXX A Account Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent this letter on XX/XX/XXXX to all the 3 Major Credit Bureaus for investigation on inaccurate data on my credit report. I pointed all the incorrect information from Date of Last Activity, High Balance amount, last payment date etc. all different from each credit bureau. This is impacting me greatly because it is keeping me from making major purchases because of the inaccurate information on my credit file XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX To Whom This May Concern After recently reviewing my credit report I noticed several inconsistencies regarding account ( XXXX Acct # XXXX ) on the date of the last activity section. Transunion is reporting a date of last activity XXXX, XXXX is reporting a date of last activity XXXX and XXXX is reporting a date of last activity of XXXX. These accounts appear to be furnished by the same creditor so why is all the provided data different? It is your duty to ensure that all information reported is consistent and most importantly accurate and you have failed to do so. Please DELETE this erroneous item immediately. Below you will find a screenshot of the account. 
XXXX XXXXXXXX XXXX TransUnion XXXX XXXX Account # : XXXX XXXX XXXX Account Type : Credit Line Credit Line Credit Line Account Type - Detail : Line of credit Check credit/Line of credit Line of credit Bureau Code : Joint Joint Joint Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$5000.00} {$5000.00} {$5000.00} No. of Months ( terms ) : 0 0 0 High Credit : {$0.00} {$0.00} {$5000.00} Credit Limit : {$5000.00} {$5000.00} {$0.00} Past Due : {$5000.00} {$5000.00} {$5000.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. Charged off account Line of credit Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX
Product: Mortgage

YOUR COMPLAINT XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : This demand is a formal notification pursuant to my documented call and the direction of Shellpoint, division of XXXX XXXX  this loan to notify the lender as to the predatory lending, imposed on this lending terms that were unfair and abusive. Also, the lender failed to disclose information or disclosed false information, high interest rates or fees and risk based pricing. The above loan terms and conditions are in dispute for the following : The above loan commenced on or about XX/XX/XXXX. The interest rate was initially set at 6.375 % on the good faith estimate, which is attached for your perusal ( hereinafter as Exhibit A ). This rate was rescinded because the property was determined to be a condotel. Since this property was deemed a condotel, this rate increased to 7.3750 %. We have recently discovered and ascertained information that our property should not have been recognized as a condotel as our XXXX maintains the allowable percentage to not be considered a condotel ( hereinafter attached as Exhibit B ). Since conception of the loan, we faithfully paid the amount each and every month. Due to the most recent occurrences of the hurricane Helene and Milton that hit XXXX, we have become XXXX of those being faced with catastrophic damages to our dwelling. We are hopeful that the insurance will make us whole as we request for the deferment at least for XXXX months. We are demanding the lender adjust the rate to where it should have been as quoted on the good faith estimate ( see Exhibit A ) back to the date of commencement of the loan which is on or about XX/XX/XXXX. Further, please see Exhibit C response from trust company advising Shellpoint is holds the loan which they only service the loan. This information is in accurate. This matter is of urgency, as such we are requesting an immediate reply on or before XX/XX/XXXX before pursuing CFPB and filing an injunction. Thank you for your consideration and your prompt attention is required. Sincerely, 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
Product: Debt collection

After I received medical care through XXXX XXXX  XXXX XXXX during a previous emergency room visit, through no fault of my own, provider did not submit bill to insurance company correctly or in a timely manner resulting in their claim being denied for timely filing. Provider then falsely turned debt over to collection agency, XXXX  XXXX XXXX, and both provider and collections agency still reporting debt on my credit report even after they have been notified that I am NOT financially responsible for the bill per the providers agreement with the insurance provider. Both provider and collections agency have been provided copies of claim status from insurance agency indicating I have zero responsibility for bill and yet refuse to remove from credit report. This has negatively impacted my credit and has cost me greatly in terms of loans and rates which I can not get due to their false and misleading reporting of the false debt.
Product: Mortgage

On XXXX the add an escrow advance to my mortgage for XXXX which raise my payment from XXXX to XXXX. Im service member which made entitle to get 4 % home owner tax exempt. Which the revived the paperwork as proof and refund for XXXX of over pay taxes for XXXX and beginning from XXXX which the received on XX/XX/XXXX they are giving the round about this matter are trying to make me pay XXXX until XXXX which is putting in finacial hardship. Im not suppose topay that amount when that should be covered by XXXX XXXX. Also I was told that refund was suppose to come to me but they are keeping it and claimed that I still have to pay. Not only that I submit a forbidsnce and since XXXX that was suppose to 30 days nothing hasnt happen yet. Every time I called they keep for hour or so to tell me that underwriter hasnt make a desicion yet on that. I need them to actually stop abusing the system and provide some clarity fix my mortgage payment way should be and the all this extra money I have been paying I need explanation as well.
Product: Prepaid card

I XXXX XXXX had State Of Maryland XXXX send over my back payments to Bank Of America XXXX XXXX. The Bank Of America XXXX XXXX XXXX. Did not send me my money to my address on a debit card, because I was evicted from the address since XX/XX/year>. Bank Of America verified this claim and paid a partial amount that XXXX Of Maryland had given them in a whole under XXXX account number ending in XXXX for Claim XXXX amount XXXX was a part of XXXX other claims that they botch together and not approved release. As they approved release of funds from the same account. They then implied they issued funds on different cards after confirmation with me I never received the first card. They held onto XXXX claim for XXXX account XXXX and XXXX account XXXX XXXX account XXXX They gave me XXXX after they botch XXXX to another account that is from same account ending in XXXX account number with prepaid service. Which they have not paid me XXXX claim number XXXX and also amount for XXXX was also XXXX together and not paid. The Bank Of America has been Filed previously sued like this in the past and was fine for fraud intentions after not finding. Please contact Bank Of America at XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX is current address. They have sent and I received partial payment from my claim after they separate the same claim number after they approved release of part and not whole amount from account ending in XXXX
Product: Money transfer, virtual currency, or money service

Coinbase are not releasing my {$590.00} which was more than 1 year I tried to get my money but they keep not releasing my money
Product: Checking or savings account

I had received a new bank account offer from Citi Bank in mail, directly addressed to me, around mid of 2019. 

One of the offers required me to open a checking and savings account package, deposit {$15000.00} in the savings account within 30 calendar days of account opening and keep it there for 60 consecutive days, and complete one qualifying deposit to the checking account for two consecutive months. I have Upon completing the required conditions, I was to supposed be paid a {$500.00} bonus by Citi Bank. 

I applied for the account online on XX/XX/2019. Upon submitting the application, received an email confirmation saying that it is under process and the bank will get back to confirm within 5 business days. Copy of email is attached. 

I received an email on XX/XX/XXXX saying that my account is now open and I can go ahead an deposit funds into my account. Copy of email is attached. 

I set up the required direct deposit soon after and deposited the {$15000.00} in my account on XXXX XXXX which got credited into my account on XXXX XXXX. Copy of bank statement attached. 

After that, I waited until XXXX of XXXX for my bonus. Upon noticing that I have not been paid the bonus yet, I called up the bank thrice. I was told that I will NOT BE PAID THE BONUS. The reason given was that PER THE BANK, THE {$15000.00} DEPOSIT WAS MADE AFTER 30 DAYS AS THEY CALCULATE 30 DAYS FROM THE DATE THE ACCOUNT APPLICATION WAS SUBMITTED AND NOT THE DATE WHEN ACCOUNT WAS OPENED. 

I believe I fulfilled all the conditions and the bank never provided any such special clarifications about the account opening date in their terms and conditions or fine print. 

Upon doing an internet search, I found many forums where people have mentioned one or the other strange reason for which Citi Bank had denied bonuses to people. 

They had my money for 5 months, and still have. There is some opportunity cost of the money which is the reason why I took the offer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am providing information that the State Bankruptcy Court does not report to any of the 3 Credit Bureaus. However, XXXX, XXXX  and Experian all are reporting these State Bankruptcy Court proceedings, on all 3 of my credit reports. I am requesting that these State Bankruptcy Court Reportings be IMMEDIATELY REMOVED, from my XXXX, XXXX  and Experian Credit Reports.
Product: Credit reporting or other personal consumer reports

During a recent investigation into my credit report I was overwhelmed with XXXX  at what I saw. There were numerous inconsistencies that were being reported on my credit report and I am incredibly distraught at the fact that the agencies have not taken the time to make sure that their reporting are accurate and valid. This failure to comply with their own standards has left me in a really tough spot and I need this fixed
Product: Credit card

I Ms XXXX XXXX finally received a document from JP Chase Bank regarding why my request was denied for a Vista debit card I never had an account with JP Chase Bank on this document it mentioned my son XXXX XXXX my was disable I was his payee plus XXXX XXXX passed away in XXXX of 2020 this matter needs to be investigated I was assigned to a case number ( XXXX ) don't know if you need this case number have any questions please feel free to contact me thank you XXXX XXXX XXXX also I receive social security retirement benefits
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been applying for new homes and getting denied because of my consumer report. Im being denied, not because income or background. I make good money. My report is pretty clean. The only thing I can think of prohibiting me from being approved is the inaccurate information reporting on my consumer report. I have already sent letters to dispute this information. This info is not showing on my XXXX report. However, 3 Derogatory Remarks on XXXX and one on Experian. While 0 on XXXX further proving this information inaccurate.
Product: Credit reporting or other personal consumer reports

For XXXX years Equifax has been listing and giving a wrong birth date. 
They have multiple wrong addresses listed. 
And they have not updated credit reporting from multiple banks for XXXX years. 
I am having difficulty qualifying for a mortgage because of the birth date error. 
I have made numerous attempts to resolve this problem, including sending multiple forms of I.D . which shows the accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting my account XXXX  XXXX XXXX balance {$250.00}, this account has been paid for almost 2 months. They are saying that it hasnt been updated since XXXX, but I have contacted the credit card company and they have updated this balance 3 times. XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each time transunion claims they have not received these updates. This is really hurting my Score. I have contacted them almost 30 times within the last 2 weeks. I have not been able to get anything resolved with them, and I think they are not reporting my information correctly.
Product: Checking or savings account

I opened a case XXXX with Wells Fargo. My checking account number is XXXX. On XX/XX/XXXX, Wells Fargo closed my account without any warning stating " fraudulent activity ''. Wells Fargo clearly mentioned that they will release the fund of {$7700.00} within 60 days if no one claims the money. FYI, Wells Fargo did not ask for any explanation from me. 

After 60 days, on XX/XX/XXXX, when I called Wells Fargo, they said they will NOT release any funds to me. They will not provide any explanation on whether any claims have been made or what happens afterward. They just froze that {$7700.00}. FYI, Wells Fargo did not ask for any explanation from me again. They did not release any information to me either. 

I filed a CFPB case XXXX. In response to that, Wells Fargo sent me an official letter saying wells Fargo ( WF ) will send me the money on/after XX/XX/XXXX. But, again when I called today to check, WF said they are NOT going to release any money to me. FYI, they did not ask for any explanation from me.

So far, communication has been one way. Whenever I tried to talk to WF for more information, they did not release any information. They did not ask for any explanation from my side either.

Please note that my account had some Zelle transactions due to a high school reunion event. As an organizer of the event, I am collecting these funds and booking the venue. If WF asked for an explanation, I could provide all the details. But, Wells Fargo took the opportunity and just took my money away. At this point, they are NOT offering any solution either.
Product: Checking or savings account

I opened a savings account with TIAA Bank on XX/XX/XXXX with an initial deposit of {$56000.00}. I have only received one bank statement from them in this time. On XX/XX/XXXX I tried to sign up for online banking and to use the mobile application. I created a user name and password but was unable to login even after being text a security code. I called customer service and they said IT wasnt there to assist me and would have them call me on that Monday. Nobody called and I called TIAA on XX/XX/XXXX and spoke to XXXX XXXX, again nobody could assist me and I was told IT would call me. I called again on XX/XX/XXXX and spoke to XXXX XXXX again and again nobody could help me and was told IT would call. I called on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX speaking to XXXX XXXX, XXXX XXXX, and XXXX XXXX and again IT wasnt there and nobody could assist. At this point in time I am beyond frustrated and upset with this bank for its poor customer service and empty promises of a simple call back. Since I havent received account statements and I am unable to access my accounts with modern technology I pray my money is still there. I would greatly appreciate any assistance from the CFPB with this matter.
Product: Debt or credit management

Ive been trying to clean my credit up by disputing fake names addresses that I dont Live and things on my credit report that are not mine trying to figure out how to do this so that I can establish my credit and build my life the right way
Product: Credit reporting or other personal consumer reports

My account with XXXX TRANSUNION was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment to be updated. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

XXXX TRANSUNION Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Update the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I Sent in a dispute to XXXX, XXXX and XXXX  inregards to errors on my report, that is reporting incorrectly.Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 
I haven't Received no physical document of debt or corrections
Product: Credit card or prepaid card

On XX/XX/XXXX, the card was approved. Without warning. 10 days later on XX/XX/XXXX, it was denied. It was a {$1000.00} limit. I had to pay cash at XXXX because I was given a bait-and-switch card. After 2 days on hold with support, they told me that " bad financial information was given '' in error. 

20 days later, they had notified me of closing the account by sending a letter, denying any wrong-doing whatsoever. 

I had called the lady responsible for Commerce Bank 's credit approval and denial, and they gave me an XXXX XXXX excuse as to why they denied it, citing made-up people on my file that wasn't even there. They tried to pass the buck to XXXX and anyone they could. 

Upon calling back to follow up with XXXX and XXXX, they said my credit score was fine and in good standing. 

The credit reviewer said they would " take a look '' at this deceitful company and try to get even MORE information out of me, sending me a selfie and photo ID and driver 's license which I flat out refused and declined to do. 

Is there anyone willing to help with this?
Product: Money transfer, virtual currency, or money service

I attempted to add a second payment account & was told XXXX would not add.
Product: Credit reporting or other personal consumer reports

I am filing a complaint regarding two collection accounts listed on my credit report from Nationwide Capital Services dba Structured Settlement. Accounts XXXX and XXXX are to be deleted from my credit report. The original creditor for account XXXX, XXXX XXXX XXXX states on their website that they do not report credit in Texas. I have attached this as evidence. Account XXXX for XXXX XXXX was never properly verified by the original creditor as required by law. Additionally, there is a business registration violation. Nationwide Capital Services is not registered to do business in Texas, and its right to conduct business has been forfeited. They have no website listed under either business name, no address, no contact information. I have attached proof of this forfeiture.