23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I XXXX XXXX has been abuse and deceived with the use of unfair debt collection practices, where my right to privacy has been breached. XXXX  XXXX XXXX, XXXX. has cause injuries to me by violating the Fair Debt Collection Practice Act that was set into place to protect the consumer from such abuse. On XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692i ( b ) by filing sue against me the consumer. Pursuant to 15 USC 1692i ( b ) Debt collectors is not authorize to bring forth any legal action against the natural person ; the consumer. XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( 3 ) by using representation of an attorney in connection with the collection of the debt. On XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( a ) ( 1 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at an unusual time and place which known to be inconvenient to me the consumer. Also on XX/XX/XXXX XXXX  XXXX XXXX, XXXX. violated 15 USC 1692c ( a ) ( 3 ) by the issuance of a SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE without the prior consent of me the consumer given directly to them at my the consumer place of employment where such communication is so prohibited. XXXX  XXXX XXXX, XXXX. violated 15 USC 1692e ( 13 ) by issuance of documents titled SUMMONS/ NOTICE TO APPEAR FOR PRETRIAL CONFERENCE and COMPLAINT FOR DAMAGES are both false representations and implications of legal process.
Product: Credit card

This is a follow up to Case # XXXX. I was told to wait 30 days for the CRAs to remove the inquiry. It has been 41 days and the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately or legal action will follow shortly!
Product: Prepaid card

I purchased a prepaid visa card at XXXX. US Bank refuses to let me register my address so I can not use the card. I filed a CFPB case. US Bank lied to me and the CFPB saying if I sent them my drivers license, receipt and picture of the card they would let unlock the card and let me use it. They have not done so and have stolen my money. They have ignored my email for over XXXX  months.
Product: Credit reporting or other personal consumer reports

XXXX XXXX I never applied for any credit card with XXXX XXXX  in which shows on my credit file in Hard Inquires. 

XXXX fraud has impacted my credit score. 

XXXX XXXX all so needs to provide and all documents to this transaction of some one applying for credit card in my name in which i never applied. 

I all so had another Bank credit card applied week after same month
Product: Credit reporting or other personal consumer reports

I never lived in Arizona ... my address is XXXX XXXX XXXX XXXX XXXX KS XXXX
Product: Mortgage

ON XX/XX/XXXX AN OFFER WAS SUBMITTED FOR A SHORT SALE IN THE AMOUNT OF {$600000.00}. this WAS THE RESPONSE ASKING FOR A HIGHER OFFER BASED ON A DRIVE BY APPRAISAL NOT GIVING ANY CONSIDERATION TO THE ACTUAL CONDITION. ( I am the negotiator for the first lien on the above referenced property, and I have reviewed the offer received from XXXX in the amount of {$600000.00}. Please be advised a written counter offer letter was sent to the Seller XXXX XXXX ) with the following information. 
At this time, the offer received does not provide sufficient net proceeds to be able to accept the short sale offer. Please reach out to the buyer 's agent and counter to the XXXX amount of {$860000.00}. We will need to obtain an executed addendum and XXXX reflecting the counter offer no later than XX/XX/XXXX to continue the review. If you are unable to obtain the amount above please submit the highest and best offer from the buyer XXXX XXXX ) so that we can make our final decision. Please be aware that an offer below the amount above may result in a decline of the short sale. Please be advised that a full appraisal was completed in XX/XX/XXXX and the full value came back at $ XXXX. A recent desktop appraisal was completed on XX/XX/XXXX and the value came back at $ XXXX so the offer of $ XXXX is pretty far off from the current value we would like to see an offer closer to the $ XXXX based off of the full appraisal value. ) ON XXXX A NEW INCREASED PURCHASE OFFER OF {$670000.00} WAS SUBMITTED INCLUDING THE MOST RECENT COMPARABLE SALES ( SHORT SALES/ FIXERS ). AT WHICH TIME THEY SENT AN INDIVIDUAL WHO HOLDS NO INSPECTION CERTIFICATION OR APPRAISAL OR CONTRACTORS LICENSE TO DETERMINE IF THE DAMAGE WAS SUFFICIENT TO REQUEST A NEW INTERIOR FULL APPRAISAL AND NOT A DRIVE BY OR SUBJECT TO VALUE AS THOSE VALUES ARE BASED ON MARKET CONDITION HOME SALES. THE INDIVIDUAL WAS GIVEN A COMPLETE PACKET INCLUDING AN INDEPENDENT APPRAISAL, HOME INSPECTION, XXXX REPORT AND CONTRACTORS ESTIMATE OF REPAIRS INCLUDING PHOTOS AND SHE DENIED THE NEW APPRAISAL AS SHE FELT THE PROPERTY WAS IN GOOD CONDITION?? I AM TODAY RESUBMITTING THE PURCHASE OFFER FOR A SECOND TIME AND AM EAGER TO SEE WHO THEY SEND OUT THIS TIME ( A LOAN XXXX? ) THERE IS A SALE DATE SCHEDULED FOR THE XXXX OF THIS MONTH SO I WILL WAIT AND SEE WHAT EXCUSE THEY GIVE OR COUNTER WITH. I HAVE BEEN NEGOTIATING FOR SEVERAL YEARS AND HAVE NEVER HEARD OF A LENDER SENDING AN UNQUALIFIED PERSON TO GIVE AN OPINION AS TO WHETHER THE HOME MEETS THEIR STANDARDS FOR A SHORT SALE OR A NEW UPDATED APPRAISAL. I FEEL THAT THIS WAS A COMPLETE WASTE OF TIME TO HAVE BEEN DETERMINED BY A HIGH PRICED SECRETARY WHO ALSO STATED THAT SHE HAS BEEN PERFORMING THIS SERVICE FOR MANY YEARS. I WONDER HOW MANY HOMES SHE HAS CAUSED TO GO INTO FORECLOSURE SALE WITH HER NON ACCREDITED OPINIONS. WELLS FARGO HAS HAD MANY ISSUES BOTH PAST AND PRESENT REGARDING FAIR PRACTICE AND I FEEL THAT THIS SHOULD BE LOOKED INTO.
Product: Checking or savings account

I was told i was able to open a bank account with no issues. So I wasted time and money going to the bank in person and all that wait time. To be told they can not open my account even though I brought my documents. They told me that it was because of XXXX XXXX  and I got in contact with them. They told me they don't have any thing to do with opening a account. That is the decision of the bank and to contact them about it to see what is going on and why they keep giving the run around. I am just trying to open a checking and savings account. I feel that the bank of America is not telling me the truth and not helping me with opening an account. I have check my XXXX XXXX report and there is nothing bad on my report to prevent me from opening my accounts.
Product: Credit reporting or other personal consumer reports

I am writing to formally notify you that I am a victim of the recent data breach, and I am requesting that all accounts related to my personal information be blocked and deleted in accordance with 15 USC 1681c-2 ( a ), as outlined under the Fair Credit Reporting Act.

Due to the breach, my personal data may have been exposed, and I am concerned about potential misuse of this information. Therefore, I respectfully request that you : 1. Immediately block all accounts associated with my personal information, including my name, Social Security number, and any other identifying details that may have been compromised. 

Account Name : XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name :XX/XX/XXXX Account Number : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} Account Name : XXXX XXXX Account Number XXXX XXXX Open Date : XX/XX/XXXX Balance : {$1500.00} Account Name : XXXX XXXX XXXX Account XXXX : XXXX Open Date : XX/XX/XXXX Balance : {$0.00} INQUIRIES EXPERIAN :XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting

I have lived at the same address for over 20 years and use a XXXX. XXXX to receive mail. Moved to XXXX XXXX XXXX. XXXX XXXX, XXXX and use XXXX. XXXX XXXX ONLY to receive mail. Worded at XXXX XXXX XXXX from XXXX to XXXX, when became XXXX.
Product: Checking or savings account

XXXX XXXX XXXX XXXXXXXX XXXX XXXX  TX, XXXX XXXX XXXX Account Number XXXX JPMorgan Chase To Whom It May Concern, I am writing to formally lodge a complaint regarding the unsatisfactory service I received from one of your employees, XXXX, in the Claims Department. My experience with her was highly disappointing and has left me deeply dissatisfied with the level of professionalism exhibited by your institution. 

During my recent interaction with XXXX on XX/XX/2024, I encountered a series of unprofessional behaviors that significantly impeded our communication and resolution process. Firstly, XXXX repeatedly interrupted me and exhibited a dismissive attitude, which made it challenging for me to convey my concerns effectively. Moreover, she demonstrated a lack of patience and courtesy by abruptly hanging up on me, thereby terminating our conversation without addressing my queries adequately. 

Furthermore, I am particularly dismayed by XXXX 's handling of a credit reversal on a claim. Despite the claim being reopened by another manager for further investigation, XXXX failed to conduct a thorough reevaluation and unjustly reversed one of my credits without valid justification. This negligent oversight not only reflects poorly on her competence but also raises serious questions about the integrity of your claims resolution procedures. 

I firmly believe that the conduct exhibited by XXXX is unacceptable and does not align with the standards of customer service expected from a reputable institution like JPMorgan Chase. As a loyal customer, I am deeply disappointed by this experience and expect a prompt and satisfactory resolution to rectify the situation. 

In light of the aforementioned grievances, I kindly request the following actions to be taken : A formal investigation into XXXX 's conduct and the specific incidents outlined in this letter. 
A review of the claim in question to ensure a fair and accurate assessment of the credit reversal. 
Immediate disciplinary action against XXXX if found culpable of misconduct. 
XXXX that measures will be implemented to prevent similar incidents from occurring in the future. 
I trust that you will treat this matter with the seriousness it deserves and take appropriate steps to address my concerns in a timely manner. I appreciate your attention to this issue and look forward to a swift resolution. 

Thank you for your prompt action in this matter. 

Sincerely, XXXX XXXX
Product: Student loan

Since going to college ( XXXX ) I have been allowed to use Forbearance and Deferments, because I could not afford to pay my Student Loan payments. Not until the past six months has anyone even mentioned a limit to the number of Forbearances and Deferments I was allowed. Now all of a sudden I am told that I must begin making payments of {$2500.00} per month. I can not afford this. 
Since XXXX of XXXX, due to not allowing continuation of my deferments/forbearances, I have been attempting to get into an income based repayment plan. I mailed my application and information.. they never received it. I faxed my application and information.. they never received it. Finally I uploaded and emailed my application and information and called to confirm the receipt of the information ; received. I wait a full month. No response or feedback. I call Navient. Now they are saying that I have a Parent Plus Loan from XXXX - XXXX and therefore I do not qualify for any type of Income Based plan. My son was between XXXX and XXXX years old during that period. 
My wife 's income driven plan requires {$5.00} per month payment. However, my payment based on the same information is XXXX {$2500.00} per month. 
I have been told by Navient, up until today, that I could get payments based on my income. Now, today I am told, regardless of whether or not I can afford it, I have to make payments of approximately {$2500.00} per month. I am the sole source of income for my family ; and a railroader for goodness sake. 
There is no rhyme or reason to what I have been subjected to by Navient. My loans totaled about {$40000.00} in the beginning. Through deferment and forbearance they have grown to approximately {$300000.00}. I am sure there could have been a better solution to this from day one. If I had gone into forfeiture in the beginning I would have been better off.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account 's 1 ) XXXX XXXX XXXX Account # XXXX 2 ) XXXX XXXX XXXX XXXX t # XXXX 3 ) XXXX XXXX XXXX XXXX XXXX Account # XXXX 4 ) untitled collection or charge off- Account # XXXX 5 ) XXXX - Account XXXX XXXX 6 ) XXXX XXXX  XXXX XXXX XXXX XXXX # XXXX 7 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX 8 ) XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX XXXX - Account # XXXX XXXX ) XXXX XXXX - Account # XXXX Has violated my rights. 

I've sent letters out on XXXX and XX/XX/2023. I received no response or any verified letters. 

15 U.S.C 1681 section 602 A. States I Have the right to privacy.

15 U.S.C 1681 Section 602 A. Section 2 : It also states a consumer reporting agency can not furnish a account without my written permission.
Product: Credit reporting or other personal consumer reports

I just noticed a hard credit inquiry from Navy Federal Credit Union on XX/XX/2023. There was no direct benefit or authorization for Navy Federal Credit Union to access my personal information.
Product: Checking or savings account

I am customer of Revolut USA. After heavily advertising payroll direct services to me in-app and via email, I signed up for the service. The actual XXXX XXXX providing the ACH services is XXXX XXXX XXXX in New York. 

Ever since properly setting up the payroll direct deposit to my Revolut USA account with my company ( all I had to do is enter the checking account and routing numbers on the company payroll website ), my funds have been deposited into my Revolut USA account between 1 to 5 days late. 

I work for a large corporation and direct deposit has never been an issue. I used to bank with XXXX XXXX. Without fail, payroll direct deposit funds were always available on or before the scheduled pay date, in case of that date falling on a Sunday or Holiday, and that was consistent for the last nearly 25 years. Colleagues who bank with the various large traditional XXXX XXXX tell me that they never have any payroll direct deposit issues. 

I get paid twice per month and after switching payroll direct deposit to Revolut USA in XX/XX/2021, not a single paycheck arrived on my account in time. Actual pay dates vary on an irregular basis and funds are available between 1 to 5 days late, most often between 3 and 4 days. 

The most recent example : Pay date was XX/XX/2021, a Monday and regular business day. The 3 colleagues I worked with over the weekend reported that they had the funds available in their checking accounts on Saturday, XX/XX/XXXX. That is consistent with my previous experience. 

I do not expect early payment from Revolut USA, but it is not unreasonable to expect my salary to be available on the posted day, especially after the daily marketing messages to me, advertising the reliability and especially the speed of the Revolut USA payroll direct deposit, promising funds to be available earlier than with most other banks. 

I have had several chats with the friendly Revolut USA support folks. While I appreciate them being supportive, there have been no results. I was asked to report issues with details and copies of payslips whenever this issue arises, but I don't think it is reasonable to expect the customer to provide details and copies of payslips every 2 weeks to further investigate while not a single result of any of the investigations has been communicated to me to this date. 

I have done all due research that is possible for me to do. I have contacted my payroll department several times on this and we verified that all the banking info has been entered correctly on the company payroll direct deposit web page. 

Unfortunately, there is no direct communication possible with Metropolitan Commercial Bank, which is the actual financial institution behind Revolut USA handling ACH transactions.
Product: Mortgage

I went through a foreclosure with WellsFargo, that ended on XXXX XXXX, 2010. Since then I have requested the paperwork in regards to the foreclosure on a few occasions. Most recently I requested the file on XXXX XXXX, 2010. WellsFargo is still unable to provide this documentation for proof. Also, the bigger issue is that the foreclosure is reported incorrectly on my credit report. It does not show the date of the foreclosure, which I was able to confirm with the Veterans Administration ( VA ) Regional Office XXXX. The VA confirmed they payed {$44000.00} in guarantee on XXXX XXXX, 2010. This needs to be corrected.
Product: Credit reporting or other personal consumer reports

Filed FTC complaint and notified this company that I noticed an unauthorized inquiry on my credit report and requested this company to investigate and block this inquiry because I did not consent to my credit being checked by this company to which this company has failed to do. Its been more then 4 days to which is the timeframe under the FCRA.
Product: Mortgage

After I went on the Rocket website, I have received hundreds of solicitation emails from companies I have never done business with. The emails are turning sexual in nature. I contacted Rocket Mortgage and never got a reply. 
I have attached an example.
Product: Debt collection

XXXX XXXX XXXX forwarded a alleged debt to a attorney to collect and file a judgement against me when the alleged debt was never owed. When a full analysis of my account was conducted payments was not posted to the account. Nor was the correct amount of payments made by XXXX XXXX was posted to my account. Payments was misapplied and not applied at all. Interest accrued on non posted and incorrect payments which caused a on going balance of XXXX %. Went to court filed a motion submitted supporting documents, motion was still denied. A judgement is still being filed after receipts from XXXX XXXX were submitted.
Product: Debt collection

In XX/XX/2016 I noticed a collection entry on all three credit reporting bureaus from NCC Business Services , Inc. ( Acct XXXX ). The original creditor is listed as XXXX XXXX XXXX XXXX in XXXX for the amount of {$4500.00} opened in XX/XX/2016. This debt is for a rental/lease. It is listed as a joint account with XXXX XXXX. I do not have any joint accounts and I do not know anyone named XXXX XXXX. I have lived in XXXX XXXX since XX/XX/2013 and previously lived in XXXX. This is not my debt. I called XXXX XXXX Services and was told that I should contact the original creditor, XXXX XXXX XXXX, XXXX. I sent a letter to XXXX XXXX XXXX on XX/XX/2016, asking that they provide all documentation related to this transaction. I never received a reply to this request. In addition, several requests have been made to all three credit reporting companies to remove this from my credit report and they have all returned as being verified as " accurate, '' which is clearly " inaccurate '' as this is not my debt.
Product: Credit card

My mortgage company took XXXX payments, did not return the requested funds within XXXX days ( I filed a separate report ) and as a result of this, many payments were returned. Synchrony bank had just purchased many of my store cards, and they have systematically decreased credit limits or closed all of my accounts, despite requests to make allowances for this episode caused by the mortgage company. The cards and account numbers affected are GAP XXXX XXXX XXXX, Lowes XXXX XXXX XXXX XXXX XXXX JC Penney XXXX XXXX XXXX XXXX XXXX. These actions, while their right under the law, have taken my constitutional right to liberty. I have been a XXXX for XXXX years, have been employed with the XXXX for XXXX, make {$90000.00} per year, and now need to move, and can not even apply for a mortgage to assist my XXXX year old mother in FL. It is a crime.
Product: Credit reporting, credit repair services, or other personal consumer reports

Today at XXXX XXXX  i recieve a message regarding a new account being opened. I called transunion and they said a credit of XXXX $ which XXXX $ have already been used. Ihqve not open no recent accounts im trying to pay off and close them up. This is fraud i want this problem fixed i told transunion to freeze any future acounts with out my pin approval.
Product: Checking or savings account

As of XX/XX/2023. XXXX XXXX closed all of its locations in Wisconsin. ABC Fitness manages their memberships along with several other fitness franchises. Instead of canceling the membership because the gym closed its facilities and reimbursing the monthly fee. XXXX and/or ABC Fitness transferred the membership to another fitness franchise XXXX XXXX without any authorization from the member. Now former members are seeing that XXXX XXXX is drawing membership fees from their accounts without signing up for a membership from XXXX XXXX. ABC Fitness isnt taking any responsibilty but they are the ones who are responsible.
Product: Checking or savings account

To Whom It May Concern, My name is XXXX XXXX and Ive been a chase account holder for about 10 years. My experience has been ok for the most part however, the past year has been the hardest. Since the pandemic, my only source of income, XXXX, has dropped dramatically ; due to this I was forced to file for unemployment and have been on the Arizona XXXX program for about 8 months. Due to this, Ive struggled to pay bills as well as keep up with my finances. Up until last month, I was able to pay down my account to a XXXX or positive balance ; I stopped paying because I couldnt keep the balance positive as I only receive {$250.00} a week from Arizonas XXXX program. 

The overdraft fees chase charge is already unfair, the fact that I have to call to get 8 fees removed at a time doesnt make anything easier. I am politely asking that Chase removes all of the Overdraft and NSF fees charged to my account this entire year. Once I know how much I owe chase without the fees, I can arrange a payment to cover the items that caused the overdrafts and will proceed to close my chase account for good. If chase refuses to remove these fees, I will let the account go into collections and wont pay chase back. 

Please work with me, I know Im not the only one facing hardship due to COVID.
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.. 
XXXX XXXX XXXX Amount : {$1400.00}
Product: Credit reporting or other personal consumer reports

I was charged {$26.00} by Experian today, and I do not want to be charged. I don't even remember agreeing to paying that much monthly, so I went to the website to try to cancel my account and it told me my payment failed and I needed to add a new card. So they were trying to charge me ANOTHER {$26.00} to be able to manage anything on my account, because the payment method " failed '', then I tried calling because it's either that or through mail? Got an automated system, which said they were going to transfer me to a person and said it'd take less than XXXX minutes, and I ended up not even getting to talk to someone.
Product: Money transfer, virtual currency, or money service

Robinhood is supposed.to give my tax.documents by by XX/XX/XXXX, .and they have not.