23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

Overdraft occurred on XXXX  XXXX XXXX th. I called bank and they told me they would give back the {$170.00} overdraft if i payed balance owed by XXXX XXXX XXXX XXXX XXXXXXXX XXXX. No they claim I owe more and wont reimburse the {$170.00} overdraft fees
Product: Checking or savings account

I booked several rooms at the XXXX XXXX in XXXX XXXX for a stay from XXXX. I prepaid for all the rooms on a debit card. 
XXXX overcharged my card for {$200.00} approx, in informed them before XX/XX/18, and they concurred over the phone and told me that they would credit my account for that amount. 
The credited my account on XX/XX/18, and at the same time 2 additional charges were credited to my account at JP CHASE through this debit card totalling over {$40000.00}. 
Subsequently a week later, XXXX  debited my same card the appropriate {$40000.00}. I had moved the money into a different account as I did not want the funds to get mixed up with my own. So when I saw in the evening the they debited the same amount, I quickly transferred those funds back to the account so that they would get that money and no overdrafts would occur. 
A series of other transactions were taken by my bank after that fact, which also included them charging me about {$100.00} and then without notifying, through their loss prevention, closed all of my accounts and caused me to not have access to any of my incoming funds. I did not receive a phone call, a letter, a notice in my online banking messaging, or anything. 
I feel the hotel and the bank are 100 % responsible for either mistakes/errors or malfeasance that resulted in their silently accusing ME of doing something wrong and resulting in me being wrongly charged financially. additionally, several direct deposits going into my account were not deposited and not given to me for a total of approximately {$3200.00}. 
I have reported this to the XXXX XXXX  in XXXX XXXX and am attempting to file a complaint directly with CHASE but have not been able to ascertain the correct department and/or address/email address for their attention.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX is furnishing false and deceptive information to my credit report with XXXX XXXX, XXXX, and Experian, and possibly others. The company has somehow obtained and is using my private personal information together with other false information to set up this false account. The company 's actions are a result of identity theft. I already contacted the company to request certified proof of the alleged account and debt and to cease all credit reporting. Unfortunately the company failed to comply. This false information is ruining my credit reputation and damaging my household status. I am seeking redress to have the false information permanently deleted from my credit profile with all credit reporting agencies. I have attached my identification and identity theft report to this compliant.
Product: Debt collection

Paid annual maintenance fee for timeshare to XXXX XXXX XXXX XXXX, a XXXX XXXX XXXX property on XX/XX/2021. XXXX claimed payment was not made. I provided them with screenshot from XXXX  XXXX XXXX Checking Account including confirmation number of transaction. They ignored my communication and turned account over to Pinnacle Recovery. Pinnacle Recovery ignored my proof of payment.
Product: Mortgage

I would like to file a follow up complaint in regards to Select Portfolio Servicing 's ( SPS ) 12 page response to my original complaint, on XX/XX/XXXX. I was told by SPS that I would be continually given repayment plans, and/or, a loan modification until my loan was brought current. Over the last four years I have paid over {$100000.00}, on time, to SPS for a home that I originally purchased for approximately {$130000.00}, not including 12 years of mortgage payments prior to that. After completing my fourth repayment plan in four years I am being told there is a balloon payment of approximately {$39000.00}, which was not on the original repayment plan they sent me on XX/XX/XXXX. SPS has sent CFPB a copy of this repayment agreement showing absolutely no balloon payment due at the end, which went from XX/XX/XXXX to XX/XX/XXXX. I recently contacted SPS, I spoke to a representative named XXXX, about this matter. After putting me on hold several times trying to make sense of what was going on with my account, I was told she couldn't figure it out, that a Relationship Manager would call me within 24 to 48 hours, ( which did not happen ), and also she said that I should make a payment for XXXX in the same amount as my previous payment amounts, even though I have no confirmation of a new repayment plan. I am completely confused and at a loss to know what to do or what SPS is going to do about this. It is my fear that after paying over {$100000.00} of repayment plan payments on time, for four consecutive years, I am in jeopardy of losing my home due to misleading information from SPS. They constantly mislead me, changed what they said, and have not kept up their end of the agreement. Since XXXX I have repeatedly requested, and applied for a loan modification, and have been consistently turned down for the past 9 years, with no rational explanation as to why, other than the XXXX Bank will not allow it.
Product: Debt collection

XXXX XXXX, ENCORE CAPITAL GROUP ARE INCOLLUSION WITH XXXX XXXX AND ARE BREAKING THE FINANCIAL CREDIT APARATUS FOR CONSUMERS AS WELL AS XXXX XXXX XXXX AND FCRA 15 U.S.C.. SEC TION 1681g. both illegal collections are still reporting on XXXX XXXX after sol. expired XXXX years ago.
Product: Checking or savings account

I only use my VISA check card when I pay bills on line, shop, deposit a check are cash, thru the ATM or withdraw money with my pin. I don't use my card a lot at all, so when I discover charges on my account, I could member wear my card was located during that time. I phone the claims department in XX/XX/XXXX late night after I got off work. I told them about some claims in my account from the same merchant. The claim department told me is the claims were 60 days old they could recover the monies unless, in was in jail, incarcerated, in the Military or the hospital. The claim department stated that was chase rules, I never read chase rules because chase brought out my bank Washington Mutual so I inherited chase bank. The bank put a temporary credit in my account during the investigation and I waiting until I received a respond from the bank. 

In the month of XXXX my account was overdraw for XXXX when I called the bank they stated the claims were 60 days old and they couldn't recover the funds. A few weeks later they overdraw my account another XXXX when call I was told the card has a chip and the cards was use even I report lost when I couldnt find the card. The chip in the card can't be compromise. So I file an appeal on XX/XX/XXXX with the claim department and I was told they would contact me in 3 to five days. On the XX/XX/XXXX I call again and was told it was denied so I question then about the card lost so I was told they would get back to me. On the morning of the XXXX I try to quick pay monies of XXXX and the account showed an error. I called Chase and I was told I need to spoke with the fraud unit and they gave me a number to Ms. XXXX XXXX at XXXX. Ms. XXXX stated she had my account because of the claims pending my account was overdraw and they sent it to he unit. Ms. said she put my join account on hold and was taking any monies I had with the bank apply to the claims. 

I informed her I never got another response from the claims department from my appear. I was told to call the claim unit! I called claim unit was told the back offices still had the claim. I reach out to the claim unit again on Monday XX/XX/XXXX they said again it didn't matter about the card being lost the claims her denied. The federal government said let the banks fall in XXXX when they gave the taxes payers money to the banks, chase got XXXX XXXX dollars to lend out and they keep the moneys and made profit. 

.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

Took {$3000.00} loan for mother in law from dentist office, because she could n't get the loan, since she lives on SS paycheck.
Product: Credit reporting or other personal consumer reports

I think FCRA 605B requires us to eliminate any incorrect accounts from my credit report. Could you please go through the documents? Some of the listed accounts have inaccuracies in the reporting, amounts, and dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I became a victim of fraud XX/XX/2017 between the XXXX   through the XXXX  ( actual date is unknown to me because I was locked out of my account and have not had access to much information since ). A check was deposited into my account in another state, I never received any fraud protection alert via email, text, call or any other preference that was set. As a result of this {$930.00} deposit Bank of America closed my account. Since then I have been reported to the early warning agency and have not been able to hold a successful account since. As I had no knowledge of this, I continued getting my statements in the mail ( Which I was not getting right away because my billing address is my hometown and I am away at college ), but nothing via email. I was never given the opportunity to report the fraud or resolve this conflict and it has negatively affected me in many ways. The last mail I received was a account closing notice. I have written letters to the bank and am hoping to hear back soon, I have no received any further response from early warning besides my consumer report which I have also taken steps to resolve.
Product: Checking or savings account

For the last year I have been receiving my Direct Deposit from XXXX XXXX XXXX  every Wednesday just before midnight. 
I have spoke to chime about the issue but this is a widespread issue that has not been resolved. I have two payments due on an installment plan. Chime is unable to give me any information on the status of my deposit. 
I have incurred multiple late fees with my creditors due to this issue. 
I was advised to wait a few days but being that these installment plans are in place I have no other options.
Product: Credit reporting or other personal consumer reports

I am demanding the immediate removal of fraudulent accounts that have been wrongfully placed on my credit report. These accounts were fraudulently opened in my name without my knowledge or consent, stemming directly from the XXXX XXXX data breach, in which sensitive personal information was stolen and subsequently misused. This constitutes a clear and actionable case of identity theft. 

The following fraudulent accounts have been placed on my credit report and must be removed immediately : XXXX XXXX XXXX XXXX : Balance {$23000.00}, Account Number XXXX XXXX XXXX XXXX Balance {$1800.00}, Account Number XXXXXXXX XXXX XXXX XXXX Balance {$400.00}, Account Number XXXX Remove all name should only have one name XXXX XXXX XXXX REMOVE ALL HARD INQUIRES AND SOFT!!!!!! 

These accounts have resulted in unauthorized hard inquiries and collections that are both damaging and illegal under federal law. Specifically : Under 15 U.S.C. 1681c-2, you are required to block and remove fraudulent information from my credit report within FOUR DAYS of receiving this notice.

Under 15 U.S.C. 1681s-2, all collection activities related to these accounts must cease immediately.

Under 15 U.S.C. 1681b-2, it is unlawful to furnish credit reports or use consumer information without proper authorization. These fraudulent accounts were opened without my consent, violating this statute.

Your failure to comply with these clear legal obligations will result in immediate escalation.I will initiate legal proceedings to hold your organization accountable for all damages caused by your negligence and failure to act.

You are required to confirm receipt of this demand immediately and provide written documentation proving that these fraudulent accounts have been removed, unauthorized inquiries corrected, and all collection activities ceased. Any delay, noncompliance, or excuse will be met with swift action.
Product: Mortgage

XXXX XXXX XXXX XXXX - Property : XXXX XXXX XXXX, XXXX, NY XXXX FHA XXXX XXXX Freedom Mortgage Account XXXX XXXX Freedom Mortgage Company ( bought the paper for our loan from XXXX XXXX Mortgage ( XXXX ) XXXX XXXX ), miscalculated the taxes for the escrow for the XXXX XXXX XXXX for the current mortgage year XXXX by {$4000.00}. When we received the Escrow Account Disclosure Statement XX/XX/XXXX, which is uploaded to this Complaint, I called Freedom Mortgage and spoke to the Escrow Department. They requested documents from the XXXX XXXX XXXX, which are also uploaded to this Complaint, and provided to them right away. 
We waited until the date they requested ( XX/XX/XXXX ) to allow them to process the new tax amount. We then received the REVISED Escrow Account Disclosure Statement which showed the updated payment of {$1500.00} effective XX/XX/XXXX. I then called the Escrow department to find out why it is not corrected as of the XX/XX/XXXX payment, and they had no reason nor comment. They did not plan to make it effective that date. I asked why it is not adjusted since we do not owe the extra {$800.00} they had added to the account in the first Statement, and they could give me no good reason. They suggested I call HUD, who took our complaint and suggested we contact CFPB. And so we are asking for your assistance in correcting this error. We are asking that the XX/XX/XXXX payment be corrected to {$1500.00}.
Product: Credit reporting 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 XXXX XXXX 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 a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any 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 or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late.

Please see attached file for these items I am complaining.. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

My identity had been stolen in 2010 along with the identities of my XXXX children, since then I have been doing the best I can to regain stability, becoming homeless, unemployed seeking assistance while undergoing scrutiny of legalities which remain a very large impact of my life. At best efforts I remain as diligent yet discouraged as I can imagine to be the worst I 've ever confronted. However every time I pursue some sort of professional entrepreneur option & or application for work, seeking only to remain focused for my familiy and ultimate career goals I hit another invisible brick wall, which can not be explained in better ways than if it 's not XXXX thing it 's another probably due to finances ... Now I can properly employ myself with XXXX XXXX XXXX XXXX XXXX small businesses if I am able to find some serious contributing benefactors. However it is that I can I will exhaust the opportunity to prove that this negativity did n't need to be such an considerately low form of empowering the employable. Please take time to correspond with me in every form of contact information provided. I do thank you for you time and consideration. I do apologize if I may have inconvenienced you by any manner. Please enjoy your day.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account information was disputed based on Date of delinquency, Date of last payment, Date last active which by XXXX does not match. I disputed the information with XXXX  and XXXX  and the investigation by NETCREDIT came back to the credit bureaus that the account information is accurate. I live in CALIFORNIA and this information is inconsistent under the CCRAA. 

FCRA 623 and FDCPA 806 ( b ) Maximum Possible Accuracy state that the creditor MUST enter a notice of dispute.If this is not entered the account can not report on the account XXXX p. 2-2 Industry Reporting Standards '' All accounts must be reported on a monthly basis. '' The creditor NETCREDIT did not update the account status as " disputed '' while I was shopping for a new home at which time I was denied a mortgage loan. 

FDCPA 809. Validation of debts ( b ) Disputed debts If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 

This account should no longer be reporting because of the violation of my consumer rights under the CCRAA and the Rosenthal FDCPA
Product: Mortgage

We worked with Absolute Loans for several months. They notified us of our approval for a loan refinance. No problem-slam dunk. We went ahead and paid out of pocket for an appraisal as well as paid to lock in our rate. For the next few months, we jumped through hoop after hoop to furnish them with more information and more information. Now, after paying almost {$2000.00} ( appraisal and lock in ), we are told to jump through yet another hoop we can not. We would have never proceeded with this company and paid the money, if we were ever told we would have any issue whatsoever. We were mislead.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 Bureus consumer report and I noticed some late payments/inaccurate information posted on my consumer report : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been charged inactivity fees on 3 US Bank gift cards, each had {$50.00} dollars. Gift card numbers ended in XXXX, XXXX, XXXX. I was charged fees until the balance was {$0.00} dollars. 
I reached out to US Bank, to explain my situation and I received a letter stating they will refund each of my cards one years worth of inactivity fees, {$24.00} dollars back to each card. The letter requested that I submit photos of my gift cards to a Us Bank email they provided so that I can get my money back. 
I have not heard back since XX/XX/2020. I contacted the email 2 times, all I ever received was a reply to call a customer service phone number. I called and was told to call a different number. I called and they said there is no record of this email address or my giftcards. I was told there is no email address they have or dept for giftcards that I can forward a copy of my letter to. I was put on hold for more than a hour and nothing was resolved.All they did was give a mailing address and told me to write in about my problem. 
I feel that they are giving me the run around and making the process of returning my money very difficult. Its bad enough I lost my money through inactivity fees and that they are only willing to return a portion of the original amount. My cards have not yet expired by the way, the date is still valid. But to make it this hard to get back a small amount of money is ridiculous. This makes me feel like this whole company and their operation is a scam. How can it be that a company this big has no email address to contact? Honestly, to sell a giftcard and have the consumer spend money on it, only to have the money taken back through fees is bad, but to make it this hard to be able to reach the right dept is unbelievable. Terrible, terrible customer service. Never had a problem with any other giftcard like this.
Product: Credit reporting, credit repair services, or other personal consumer reports

ACCOUNTS AREN'T MINE, NEVER AUTHORIZED THOSE ACCOUNTS TO BE OPENED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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