23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

During the " Mortgage banking scam years '' we took out a mortgage on our current home - this going back close to 14 years ago. Since then we 've had several mortgage serving companies and as we did research, we discovered they are defunct now or they are somehow affiliated to each other - ie. stock holdings. Each time the servicing company was changed ( not by our doing ), we were hit with fees and the like. There have been 4 or 5 companies in 14 years. 
We have been in Federal Court for almost two years ( XXXX et. al, v. XXXX XXXX Mortgage ). We joined the class action ( almost two years ago ) being represented by the XXXX XXXX XXXX ( XXXX, FL ). Months later, the XXXX was shut down for fraudulent dealings by the XXXX 's office in FL. and CT. 
Filing pro se, my wife and I ( Federal Court recommended we do so ) filed an amended complaint. We contacted several NJ-based mortgage attorneys but were turned down due to the XXXX mess and ( candidly stated ) not enough money involved. With the original filing possibly being dismissed, we filed the amended complaint citing ( seemingly collusive ) fraud and later supported it with the governing laws that applied. This was indeed difficult to navigate since as pro se filers, our knowledge is limited and the research massive. 
The case is still in Federal Court ( Civ. # XXXX ) here in New Jersey. The amended complaint cites XXXX XXXX, Ocwen Loan Servicing, XXXX XXXX Mortgage and other financial institutions. 
The original XXXX complaint is still not dismissed thankfully due to our amended complaint 's stance and filing. To our knowledge, my wife and I are the only ones still continuing this case - the other XXXX have not responded to the Court 's repeated attempts to contact them directly. 
There are over XXXX families involved here which the XXXX XXXX XXXX bilked out of hundreds of thousands of dollars. The XXXX 's office in FL. assigned a Receiver and so far from online docs, the Receiver has recovered only {$1000.00}. XXXX XXXX XXXX is now the " XXXX XXXX for XXXX XXXX XXXX XXXX, XXXX '' - XXXX-based as was the XXXX XXXX XXXX. He seems to have lost his legal standing but somehow not fully accountable for defrauding so many people - the joined the original class action. 
We understand why the others have not continued with their complaint. We alone are approaching two years, several court hearings, facing a battery of law firms and no one to represent us. This is an uphill battle and one worth pursuing. 
We commend the Federal Court for their ongoing openness and civility. The Court has been extremely lenient with our pro se filed amended complaint and when it is finally put to rest, we hope our complaint will be decreed in our favor.
Product: Credit reporting or other personal consumer reports

Credit karma has failed to update my XXXX credit report accurately. Credit Karma continues to list accounts that have been deleted from my XXXX credit account
Product: Credit card

I engaged XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, VA XXXX ( " the vendor '' ) to fix a leak in my house. The vendor sent a plumber to my house on XXXX and I was charged a total amount of {$470.00}. I paid the amount using my Chase credit card. 

However, after the plumber left, I realized to my dismay that he had vastly and fraudulently overstated the duration he worked at my home, and that he had overcharged for simple plumbing parts by as much as 5 times. 

I promptly contacted XXXX XXXX on the same day via email to dispute the bill and demanded a refund of {$200.00}, but they only offered me a 10 % " XXXX  reimbursement '', which was not acceptable to me. 

I opened a dispute with the credit card issuer but they did not investigate the issue to my satisfaction and declined to reverse the charge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing inaccuracies on my report I have 2 charge offs reporting on my Equifax report that is reporting available balances and reporting late payments. I received about 6 letters from first premiere stating that they report correctly to the bureaus and if I believe that something is inaccurate to contact the bureaus and they don't do anything but update the date last active. I need these 2 accounts deleted immediately. 

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

On XXXX XXXX, 2017, Equifax reported a breach in their system that exposed personal information on 143 million people in the United States. This information included names, dates of birth, social security numbers, and potentially drivers license and credit card numbers as well. While I understand that Equifax is also a victim in this attack, this is still unacceptable to the highest level. By simply participating in the credit system in the United States, one is forced to take part in working with agencies like Equifax, XXXX, and XXXX. Because of this, there is an inherent level of trust that must be established and this breach shatters whatever trust may have existed. Something must be done to both ensure that companies can not get away with this and that our information is stored in a manner of the utmost security.
Product: Debt collection

Even though when I filed the application, I requested a monthly payment be taken from my account, they insisted on 2 bi-weekly payments of {$49.00} be deducted from my account. ( I had to submit copy of my Social Security Verification Letter ) to become eligible for benefits. I had requested that {$99.00} be subtracted from my account each month. They have been making me call every month to change the payment dates to the third of each month which towards the end of each month can truly be an inconvenience.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX complaint responded to by XXXX does NOT address the complaint and as usual was closed by your waste of time CFPB organization! Alleged non payment 6 months!
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon securing a copy of my updated Credit Report from XXXX and investigated it, I noticed that there are still Erronenous accounts being reported by the Credit Bureaus. I thought these Accounts were already been taken care of due to the multiple written letters I have been sending to the Credit Bureaus, and the last letter I sent to the Credit Bureaus was XX/XX/2022, requesting the correction of the erroneous information being reported by the Accounts. Since I believed the Credit Bureuas didnt properly investigate my dispute I contacted the data furnisher on the previous month via certified mail. They were responding proving to me that I was correct. The Credit Bureaus ' records show that it was incorrect. The Credit Bureaus should have never failed to verify these accounts in accordance to the FCRA Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. Once again, I am urging the Credit Bureuas to correct the following accounts : XXXX XXXX XXXX Owed : {$58.00} XXXX XXXX XXXX XXXX Balance Owed : {$9600.00}
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. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX and list of Inquiries. 


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 XXXX years. 

XXXX XXXX. XXXX ( A ) ( XXXX ) 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: Checking or savings account

I would like to file a formal complaint against Chase for false promotion. I feel that I'm not the only consumer who was harmed by their practices. 

In XX/XX/2023, I was enticed by Chase 's offer to open Checking and Saving account to earn {$900.00} bonus after completing required activities ( direct deposits and maintaining required balance for 90 days ). I applied through Chase 's link directly from the offer. 
The offer is still open to the public to anyone interested on their website : https : //account.chase.comXXXX After I have completed ALL the required activities to earn the bonus in XX/XX/2023, I noticed that the bonus hasn't posted to my account. I waited for about 2 weeks and there was still no bonus. So I called Chase and asked them for help : 1. They said that the coupon code did not apply ( even when I followed Chase 's instruction to apply directly from the offer ) that they can't see the offer now that the coupon has expired. I offered to forward them the promotion offer email or upload a PDF of the email that I got from Chase. They stated that they can't receive email or have a way for me to upload the information.

2. I asked to escalate, and after 2 attempts, the agent assigned me a case number ( Case Number : XXXX ) and advised that I may hear from them in 7 business days.

3. After 7 business days had past, I had a missed call from a " Scam Likely '' number, the person left a voicemail and identified herself was from Chase. I did a brief internet research and found some other who reported that number was a fraudulent number. After a few more days, I missed another call from this number. 
4. Around mid XXXX, I received a letter from Chase with the correct case number that said they were not able to contact me and if I still want to speak with Chase, to call XXXX. The letter was sent out by XXXX XXXX ( XXXX XXXX ). I called the number and the customer service rep advised me that they can't see the details of this case, but they will put a ticket in to have the department call me back in 2 business days. 
5. After 3 days I still haven't heard back so I started calling the number and extension that XXXX XXXX left on the voicemail. I have called multiple times ( more than 10 times since I got the letter ) and every time I was greeted by an automated message that the person is not available and my option was to call back or send them an email. There were no email address included in the letter. 

Until today, I still haven't received the bonus that Chase advertised and no other way to get my case information to follow-up. I'm probably more diligent than an average consumer in retaining supporting documentation. I can't help but feel that Chase probably got away with not paying customers who completed their offer requirements.
Product: Checking or savings account

On XX/XX/XXXX I had a cash withdrawal that was drawn out of two separate checking accounts in the amount of {$9500.00} and unauthorized by me, these were reported to the Bank of America fraud department within a few hours. On XX/XX/XXXX another 2 cash withdrawals were taken out of XXXX separate checking accounts in the amount of {$5300.00}, again unauthorized by me. Bank of America was again contacted within a few hours and gave me a case number and said they would investigate. 

After no correspondence about how the investigation was going, I went to the bank on XX/XX/XXXX to ask about the status of the original claim and to ask for a temporary credit, since I read it was customary for the bank to provide a temporary credit after 10 days. The bank representative told me that there were not a lot of notes on the case and the fraud department representative said they could not give me a temporary credit because of the nature of the withdrawal ( cash/check withdrawal ). 

On XX/XX/XXXX called the fraud department again asked for the status and a temporary credit. This time was told I was not able to get a temporary credit because the withdrawal slip that they pulled was not legible. This representative told me it should be resolved in the next few days. After hearing no updates, went into the bank in person on XX/XX/XXXX and was unable to talk with the fraud department because they were closed and the bank representative was unable to do anything since there was a freeze, lockdown on all the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed some disputes with Experian around XXXX XXXX, 2022, about some accounts reporting inaccurate information on my Credit Report. I sent them a letter showing proof of discrepancies and asked for them to either update or delete the inaccurate information. 

I received a response back from Experian and noticed that nothing has changed as a result of the dispute. Therefore, I am humbly requesting your assistance in rectifying this matter, as it is having a profound affect on my credit report.
Product: Debt collection

Eastern Account Systems and XXXX XXXX XXXX are negatively reporting on my credit report with XXXX in the amount of {$390.00}. I filed police report # XXXX and Report # XXXX regarding identity theft that occurred in XXXX TN with the XXXX XXXX Police Department. I have provided a police report, affidavit, and lease agreement where I resided in XXXX TN at the time of the ID Theft. I have presented this information to both XXXX and Eastern Account Systems. When I spoke to the Id Theft Department for Unauthorized Charges at XXXX they were unaware of Eastern Account Systems reporting to XXXX and explained that Eastern Account Systems should not be reporting. I have submitted information on more than XXXX occasion and disputed information with XXXX and Eastern Account Systems continues to report that I owe {$390.00}. I attempted to have cable services installed through XXXX on XXXX XXXX and they canceled my installation appointment without notice after I took off from my job. They gave me a new appointment then after having cable for 3 days they then disconnected my services because of the unauthorized charges from someone in XXXX TN in XXXX and XXXX. I do not owe XXXX or Eastern Account Systems any money. I have lost time from my job and wages because of this as well a major blemish to my credit report for several years.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXXXXXX 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: Debt collection

Date : XX/XX/2017 to date XXXX XXXX account attempting to collect a cancellation fee that is not owed and continue to add charges. 

Dispute, early termination fee. {$380.00} I transitioned to another carrier in XX/XX/2017. I did not have an open contract with XXXX at the time of the change. I paid our monthly bill up and through XX/XX/2017, when we switched to another carrier. The auto payment was terminated by XXXX as well as online viewing capabilities. XXXX refused to provide a final bill without an attorney letter. XXXX refuses to provide proof of contract to date. XXXX erroneously added the additional termination fees and the fees appear to continue to climb. 

The agreement with XXXX XXXX was to pay monthly fee for services on our 2 phone lines. There was a delay in paying the final monthly bill of {$160.00} on XX/XX/2017, which was paid upon proof of the final bill received by XXXX in XXXX, 2017. 

The delay from XXXX to XXXX in payment was because XXXX refused to provide a final bill after multiple attempts. Further, I had to hire an attorney to send a letter to XXXX on XX/XX/2017 to dispute the bill and provide the monthly statements ( letter attached ). XXXX has implied that I have a 2 year contract, I did not have a contract at the time of cancellation. I had our service with XXXX for over a decade and never missed a payment and was always on time with payments owed. I did not purchase a device on a plan in the past 2 years on either of our lines with XXXX. All of the phones we have purchased outright. According to the agreement, on XXXX there will be a XXXX cancellation fee for those customers who have completed the contract. When documentation was requested as to why the termination fee was applied, it was denied ; rather XXXX chose to engage multiple collection agencies, even after multiple attempts to come to a resolution. Many of the collection agencies hired by XXXX stopped collection efforts after XXXX could not supply them with proof of contract and amount owed. MRS BPO LLC have not stopped the efforts and have impacted my credit score. This action by XXXX has negatively impacted the credit score of well over 800 and is now seriously damaged. Addition to this, I hold securities licenses and this action has the potential to negatively impact my XXXX and has created undue anguish and could possibly cause even further complications with my employment. 

This letter serves as a complaint and dispute for erroneous cancellation/termination fees charged by XXXX XXXX. XXXX has knowingly and willingly refused to provide any proof of the debt they claim owed as well as all request to remove these erroneous fees. Most importantly the erroneous information has seriously impacted my employment, credit score as well undue time, energy and XXXX as a result of this situation. After a letter from my attorney, calls from me, letters and multiple attempts to resolve this issue XXXX continues to ignore and cause further damage to my reputation, career and financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert that Medical Data Systems on XXXX put a collection for {$75.00} on my credit report. I have never heard or dealt with this company.
Product: Vehicle loan or lease

Subject : Letter of Intent to Recover Loss Under 12 CFR 1002 and CFPB Regulations I am writing to express my intent to recover losses incurred due to the, cancellation, or otherwise adverse actions taken in relation to accessing credit, pursuant to the provisions outlined in the Consumer Financial Protection Bureau ( CFPB ) regulations and 12 CFR 1002, among others.

As you are aware, 12 CFR 1002, known as Regulation B, is issued by the Bureau of Consumer Financial Protection ( Bureau ) to promote the availability of credit to all creditworthy applicants without discrimination based on various protected factors. It is my firm belief that recent events involving the denial or termination of credit access have violated these regulations and denied me the right to fair credit. 

In accordance with these regulations, I hereby request the following : 1. Provision of Forms C-1 through C-10 : I request that your organization provide the necessary forms, as mandated by regulations, in any termination, cancellation, or other actions taken regarding access to credit or termination of any account.

2. Disclosure of Reasons for Denial or Termination : I seek a detailed explanation for the denial, cancellation, or adverse action taken against my access to credit. It is imperative that any bias decisions or discriminatory practices be identified and addressed accordingly.

3. Settlement of Losses : I admit to experiencing financial losses as a result of these adverse actions, which I estimate at {$33000.00} or more. I am willing to engage in settlement negotiations to resolve this matter amicably and promptly.

4. Access to Original Instruments : Furthermore, I request access to the original instruments, whether digital or handwritten, pertaining to my credit applications or accounts. This includes any special, anomalous, conditional, or anomalous endorsements that may have been established. 
I trust that your organization will handle this matter with the utmost seriousness and compliance with applicable regulations. It is essential to uphold the principles of fair credit and nondiscrimination to ensure equal access to financial opportunities for all individuals. 

Please acknowledge receipt of this letter at your earliest convenience and provide a timeline for addressing the outlined requests. Should you require any further information or clarification, please do not hesitate to contact me directly at the provided contact information. 

Thank you for your attention to this matter. I look forward to a swift resolution and the restoration of my rights to fair credit access. 

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

In accordance with the Fair Credit Reporting Act, XXXX XXXX, has violated my rights. 

XXXX # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, MO XXXX XXXX XXXX ) XXXX 15 U.S.C 1681 section 602 A : States I have the right to privacy.

15 U.S.C 1681 section A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any reason.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issues aligns with recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

My wallet was stolen which contained my Drivers License, Social Security card, and debit/credit cards. I have noticed over the years a few fraudulent accounts have been opened up in my name and are reflecting on my credit report. XXXX XXXX opened XX/XX/XXXX with a balance of XXXX dollars is a fraudulent account resulting in debt owed to me for a loan I have never obtained as well as XXXX XXXX XXXX opened XX/XX/XXXX with a balance of XXXX dollars that is also a fraudulent account resulting in debt owed. I need these removed promptly! Please review these account and remove them as soon as possible as these are fraudulent. Thank you!
Product: Bank account or service

I opened a CD account with POPULAR XXXX on XX/XX/2016 online. Towards the end of session online I was told that I should be receiving a welcome package with signature card in 5-7 days. On NOT receiving the welcome package and signature card I have been calling POPULAR XXXX and each time I was told if I did not receive the welcome package and signature card in 5-7 days, I should call them. Since then I have telephoned POPULAR XXXX on XX/XX/2016,XX/XX/2016 and XX/XX/2016 for the welcome package and signature card. Still I have not received them. I like to receive the Official CD either online or by mail. I need your help in completion of signature formalities and my Official POPULAR XXXX CD for my account. Thank you.