23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Dear CFPB : Could you get straight answers to the following questions from Chase? 
( 1 ) As of XXXX/XXXX/2015, our mortgage was current, and the mortgage balance was {$350000.00} on Chase 's book as {$350000.00} on our book. Chase claims that we are default because we did not make payments since XXXX/XXXX/2015. Explain the discrepancy and contradiction. 
( 2 ) Chase claims that they are foreclosing us according to the NOTE. 
Could you ask Chase to cite a sentence ( or sentences ) in the NOTE that is relevant to, justifies, or supports what they are doing? XXXX of our lawyers read the NOTE, but found nothing relevant.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Experian in reviewing my credit report from Experian, I found unauthorized account. I made numerous attempts to resolve this matter via Experian automated service, however I had no success by phone. The following accounts are unauthorized : 1. XXXX XXXX account number XXXX 2. XXXX XXXX account number XXXX 3. XXXX XXXX  account XXXX 4. XXXX. XXXX XXXX account number XXXX XXXX Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of inaccurate or Unverifiable information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall. ( 1 ) promptly delete
Product: Credit reporting or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and removal due to inaccurate reporting in my file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have inaccurate information reporting on my credit report. The late payments on XX/XX/2022 and XX/XX/2022 on my two XXXX XXXX credit cards are inaccurate and must be removed immediately!
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I am writing to request that you delete the following fraudulent inaccurate information from my credit report. Someone has used my personal information to obtain loans and credit cards. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. 
XXXX XXXX XXXX XXXX XXXX : {$820.00}, XXXX Date of Inquiry XX/XX/year>, XXXX XXXXXXXX XXXX  Date of Inquiry XX/XX/year>,
Product: Prepaid card

I received two different prepaid gift cards ( {$100.00} each for a total of {$200.00} ) as wedding gifts. These were both issued by US Bank. The cards were purchased by two different people at two different stores at different times. 

To date, I've not been able to use either card successfully due to what US Bank says are fraudulent transactions. 

Gift Card # 1 -- I have not been able to activate or use this card at all. When I called US Bank, I was told that the card was deactivated in XX/XX/XXXX because of fraudulent activity. This makes no sense because the card was purchased in XX/XX/XXXX. My friend even sent me the receipt to confirm the purchase date and amount. How can a card purchased in XX/XX/XXXX be deactivated because of fraud that supposedly happened 11 months ago? US Bank refused to issue a new card or reactivate the existing card. The store where it was purchased will also not help, saying that it's US Bank 's problem. This is {$100.00} completely lost. 

Gift Card # 2 -- I successfully made one purchase from XXXX for {$45.00} on XXXX XXXX. I tried to use the card again on XXXX XXXX, and the transaction was denied. I tried again on XXXX XXXX and the transaction was denied. I called US Bank and was told there was a XXXX balance because the remaining {$55.00} was used at a XXXX XXXX store in Virginia. I live in XXXX XXXX. How is that possible? The card has not been out of my possession and has been used only once at XXXX. US Bank said that they would " investigate '' and replace the balance ( for a {$5.00} fee ) if I FAX information and a copy of my ID to them. Given that this is XXXX, I don't have access to a fax machine. They also said that I could submit the information online, but when I try, I only get error messages from their website. 

I will also note that both cards came completely sealed in cardboard holders. No numbers or barcodes were exposed to indicate there was any tampering. 

I find this entire situation highly suspicious to the degree it might even be an internal theft ring. How are brand new cards being subject to this much fraud? Is someone at US Bank waiting to see what cards are activated and then stealing the numbers? Why is US Bank insisting on faxes as their primary form of communication to " fix '' the problem? Why would they charge me a {$5.00} fee to fix their own issue? Why does the website not work when I try to file a fraud dispute? This whole thing is crazy and reeks of a scam. 

These prepaid gift cards are the kind that are often sold in XXXX areas, which may explain the lack of attention and customer service from US Bank. Many times, consumers of these cards lack the knowledge of how to deal with the system and get their money back, which means more profit for US Bank at the expense of XXXX communities. In my case, I've been able to use less than 25 % of the balances that I'm rightfully owed. It's shameful!
Product: Debt collection

I was seen at the XXXX Hospital ER for a XXXX XXXX back in XXXX of 2019. Despite our best efforts to ensure we were going to an " in-network '' care provider with XXXX XXXX ( XXXX ), we discovered after the fact that while the XXXX Hospital ER is in network, the physicians group ( XXXX XXXX XXXX ) that is contracted to staff the ER is not in network. As such, we received a full billing ( no insurance adjustments ) from the XXXX XXXX XXXX ( XXXX ). We called to dispute the billing and XXXX directed us to contact XXXX. We contact XXXX who explained that in instances such as this, a third party company gets involved to negotiate the final billing, and it would take 90-120 days to resolve. After proceeding with this process, we received no EOBs from XXXX and no revised invoices from XXXX. Last week, we discovered we are being sent to collections by XXXX for non-payment of the portion of expenses that XXXX XXXX will not pay for an " out-of-network '' provider. I called to determine why I was being sent to collections when I hadnt been informed that the bill had been finalized, and XXXX claims to have sent two notices which were not responded to and they are not allowed to call patients regarding outstanding balances. XXXX offered no recourse to resolve the issue other than to call XXXX. I called XXXX and according to their records, XXXX is trying to collect {$96.00} more than I am actually supposed to pay. XXXX   offered to conference call XXXX to reconcile the account, but XXXX has message indicating it may take as long as 30 minutes to get a represenative on the phone, and XXXX is not able to wait on hold that long. XXXX instructed me to call XXXX, have them revise the bill, which should remove it from collections. I called XXXX, and they said XXXX  is wrong, and they would not be able to remove the billing from collections, and they would not revise the total amount owed by the {$96.00} in question unless it was approved by another department within XXXX, which could take several weeks to process. They said i would not receive an updated invoice, rather the collections agency would receive revised amount. I called the collection agency ( Renton Collections ) to dispute the amount, which is now accruing interest at 9 %, and they refused to place any hold on the interest accruing or reporting the overdue amount to credit bureaus. I feel like I am caught between 3 institutions, none of which clearly or effectivley informed me of my obligations to be paid, nor are they providing me with any recourse to resolve the situation without accruing interest or paying the bill in full. The amount in question, which has still not been resolved is {$870.00}.
Product: Bank account or service

I received a cashiers check for XXXX After depositing, I waited several days for it to clear. It cleared. I then spent the money. 2 days after my bank said it had cleared, it was returned, and now I am in serious debt.
Product: Credit card

When they opened up my Credit card with Bank of America XXXX their branch employee lied to me about the promotional offer about minimum spending to get extra cashback. They even misled me on the details of earning the 3 % cash reward. 

Having complained to Bank of America many times, they did not address these issues
Product: Debt collection

I XXXX XXXX entered into a consumer credit transaction with REGIONAL ACCEPTANCE CORPORATION on XX/XX/2016. A consumer credit transaction in which a finance charge was involved. 15 USC 1605 defines the finance charge as the sum of all charges in a consumer credit transaction. The finance charge does not include cash, but REGIONAL ACCEPTANCE CORPORATION took cash. the finance charge is supposed to include insurance, but REGIONAL ACCEPTANCE CORPORATION made me purchase insurance separately. REGIONAL ACCEPTANCE CORPORATION have ignored my Cease an Desist demands pursuant to 15 USC 1692c. ( c ) ( 2 ).

PURSUANT TO 15 USC 1692 ( FDCPA ) FAIR DEBT COLLECTION PRACTICES ACT THERE ARE MANY MORE OF MY RIGHTS THAT HAVE BEEN VIOLATED BY REGIONAL ACCEPTANCE CORPORATION. REGIONAL ACCEPTANCE CORPORATION has also violated 15 USC 1692d, 15 USC 1692g, 15 USC 1692b. ( 5 ), 15 USC 1692b. ( 2 ), 15 USC 1692f. ( 8 ), 15 USC 1692j.
THEY HAVE ALSO VIOLATED MY TILA ( TRUTH IN LENDING ACT ) RIGHTS PURSUANT TO 15 USC 1601 AS WELL AS MY FCRA ( FAIR CREDIT REPORTING ACT ) RIGHTS PURSUANT TO 15 USC 1681, AND 15 USC 6802 Violation of 15 USC 1611 ( Criminal Liability ) REGIONAL ACCEPTANCE CORPORATION willfully and knowingly did not disclose Right to Rescission and is criminally liable. Penalty for said violation pursuant to 15 USC 1611 carries a fine no more than {$5000.00} or imprisoned not more than one year or both.

Violation of 15 USC 1601 ( Civil Liability ) Under ( TILA ) Truth In Lending Act neglecting to disclose the Right to Rescind carries a fine of double the finance charge ( {$16000.00} ) pursuant to 15 USC 1640 Violation of 15 USC 1605 Accepting cash as payment for finance charge and monthly payments thereafter. Knowingly excluding insurance in finance charge. Penalty for said violation is double the finance charge ( {$16000.00} ) pursuant to 15 USC 1640 ( a )
Product: Mortgage

This is the XXXX year in a row that my mortgage lender has not made adequate payment for our property taxes. We purchased in XXXX 2015 and mid-year, our loan rolled over to Lakeview Loan Servicing, which we later FHA-Streamline re-financed this XXXX. They have been impounding an inadequate amount of property taxes, which I have repeatedly said was incorrect. And now, the XXXX installment was due, and per attached, they have not made payment. In addition, per attached e-mail streams, they remain incredibly unresponsive.
Product: Credit reporting or other personal consumer reports

I have reviewed my credit report and there are some fraudulent accounts appearing on my credit report. i will list the items below. When you get this complaint that includes my identification and FTC report, please BLOCK and DELETE these fraudulent accounts from my report.
Product: Credit reporting or other personal consumer reports

It has been brought to my attention that you are not deleting files when theyre sent with an FTC fraud report. Since it is a requirement by law 605b of the FCRA Im sending this letter certified mail to help establish a legal recourse. If you choose to not remove the following items listed below which are reporting inaccurately due to identity theft, I will be handing my documents over to my attorney to start a legal action. Its my intention to not pursue any legal action so please adhere to the law 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

Wanted to close the account but they wouldn't allow me to.
Product: Credit reporting or other personal consumer reports

my credit report report showing a XXXX please i need this to be remove from all credit report
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased a vehicle new @ XXXX XXXX XXXX, XXXX XX/XX/XXXX. The transmission had to be replaced with mileage less than XXXX in XX/XX/XXXX. This transmission failure left myself and minor child stranded in the middle lane of traffic at one of the busiest intersections in North Texas. ( XXXX XXXX XXXX XXXX ) XXXX repossessed the vehicle less than 30 days after the replacement. Sold it at auction for less than % 20 of its value. My credit report shows I owe more than I originally borrowed. My report also reflects payments being made in XXXX, XXXX, XXXX and XX/XX/XXXX. Also, XXXX, XXXX and XX/XX/XXXX which is XXXX. XXXX is dragging my credit score through the mud and the information they are reporting is INACCURATE and Fraudulent! 

Note : I have paid off 3 XXXX prior to this purchase. My previous XXXX, also purchased new, had to have the transmission replaced TWICE! XXXX makes a XXXX product and expects you to pay for it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX  XXXX {$1700.00} XXXX  XXXX XXXX  XXXX {$450.00} BANKRUPTCY XXXX {$0.00} BANKRUPTCY XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has continued to report this account onto my credit report. This account is also reporting inaccurate information. I would just like for this account to be deleted and removed from my credit report. I didnt give permission to have these accounts furnished to my report.
Product: Checking or savings account

Formal Complaint Against XXXX XXXX XXXX XXXX and Juno for Unreturned Funds Case # XXXX To the Consumer Financial Protection Bureau ( CFPB ), I am filing a complaint againstXXXX XXXX XXXX XXXX ( FDIC # XXXX ) andJuno ( via XXXX XXXX ) for failing to return XXXX XXXXof my funds and violating consumer protection laws.

Background : I held XXXX XXXXin a Juno account, which partnered with XXXX XXXX and XXXX XXXX. 
During a transition in XX/XX/XXXX, Juno moved user funds to XXXX XXXX, which distributed them to unknown banks. 
XXXX XXXX  confirmed my total balance wasXXXXbutonlyreturnedXXXXbutonlyreturnedXXXX, claiming the remaining XXXX XXXXis held at other XXXX-partnered banks ( see attached denial letter dated XX/XX/XXXX ). 
Neither XXXX nor Juno has disclosed which banks hold my funds or provided instructions for recovery.

Violations : Regulation E ( EFTA ) : Failure to safeguard and properly account for consumer funds.

UDAAP ( Unfair, Deceptive Acts/Practices ) : Lack of transparency about fund location.

Breach of Fiduciary Duty : Juno/XXXX  failed to ensure funds were traceable and recoverable.

Requested Resolution : Disclosure : Require XXXX/Juno to identify which banks hold the {$45000.00}. 
Coordination : Work with XXXX  bankruptcy trustee ( Case # XXXX ) to release my funds. 
Penalties : Hold XXXX/Juno accountable for non-compliance with consumer protection laws. 

Attachments : XXXX XXXX  denial letter ( XX/XX/XXXX ). 
Proof of XXXX  partial payment ( {$12000.00} ). 
Juno account statements showing the original {$57000.00} balance. 

Contact Information : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX, VA XXXX Phone : XXXX XXXX XXXX Email : XXXX Claimant ID : XXXX  User ID : XXXX  Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2020 I opened a TD checking account with a promotional offer of {$300.00}. I completed the requirements on XX/XX/2020 as shown on my statement. TD Bank is refusing to honor the bonus due to the fact that my account was opened when the promotion wasn't active. This is completely false. I have attached the promotional terms on the day I opened the account showing the offer expires on XX/XX/2020. The offer is still active now at https : //checkingbonus.tdbank.com. 

I also attached messages showing my attempt to resolve with TD where they made their claims.
Product: Payday loan

XXXX XXXX # XXXXAdvance Financial XXXX XXXX XXXX TN XXXXI have been a customer of Advance Financial XXXX for close to a year. I went into the office on XXXX XXXX 2015 to Pay may pay day advance and to rewrite the pay day advance in the amount of {$550.00}. I was told by the customer service representative that the company no longer does pay day advances and that if I needed the money I would have to take out a Flex Loan Plan. I was told that this would be like any other loan that XXXX % would go to interest on the loan and the remainder of my bi-weekly payment of {$67.00} would got toward the principal of the loan and that if I paid more than the {$67.00} it would go toward the principal as well to pay the loan off sooner. I asked if there were any other fees and I was told no. So I electronically signed the contract. I did n't read the fine print because no matter what I had to take this loan out my rent was due and if I did n't pay I would be evicted. If I did n't take this loan out I would have no money to pay my rent or buy gas to get back and forth to work or buy groceries!!! I feel like I was strong armed into taking out this loan because Advance Financial XXXX are predatory lenders who make their money from poor people in dire situations, the elderly and the uneducated. I received my billing statement for XX/XX/2015 to XX/XX/2015 and after paying over the {$67.00} bi-weekly payment for the past 3 months what started out as a {$550.00} loan now has a balance of {$620.00}. I am being charged a Customary Fee of {$50.00} with .7 % interest that I was n't told about and after calling customer service to find out why I was told that this accrues daily on top of the regular interest rate and the APR of 279.5 %!!! This loan is growing not getting paid off, at this rate I will never get this loan paid off!!! This company is not accredited with the XXXX and has had XXXX complaints over the past 3 years most similar to mine. I feel deceived at the least, these companies have to be stopped. I have no problem paying what I borrowed, and according to this billing statement I have paid YTD {$340.00}, {$310.00} to the customary fee and {$29.00} to the interest and NONE to the principal. I will pay the remaining {$200.00} but I will not continue to pay for the customary fee. I will not pay anything until this matter has been resolved. 

I will be sending a copy of this statement to the XXXX Consumer Financial Protection Bureau, Department of Consumer Affairs, Federal Trade Commission, XXXX XXXX XXXX XXXX, U.S. Department of Justice, FDIC and any and all other organizations or departments I need to, to get this matter resolved. 

Thank You, XXXX XXXX
Product: Debt collection

I get a call from ( XXXX ) XXXX EVERY SINGLE DAY. It's usually around XXXX but rarely comes in the afternoon. They always leave a XXXX second voicemail. The message states that it's concerning a XXXX  account but I don't have XXXX  and haven't had an account with them for over 20 years. When I called the number back, it's an automated line and when I choose to speak with someone, it just hangs up. 
I've blocked the number so it no longer rings but that doesn't prevent them from leaving a voicemail every day so I still get the constant notification.
Product: Credit reporting or other personal consumer reports

I am having issues with my credit report. I noticed multiple TILA violations on my report. I recently spoke with a legal advisor regarding this matter. Please send me the following as PROOF that you did your due diligence in maintaining the accuracy of my report ; XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX and XXXX XXXX  XXXX notified me 21 days before with a statement, a copy of the creditors payment ledger, As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and stateunder 15 USC 1681n civil liability because Ive been violated.

Here is the law code for reference : 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

DO NOT SEND ME NOTHING BACK TRYING TO STALL I AM WHO I SAID I WAS. I HAVE INCLUDED MY ID AND SS NUMBER AND YOU SHOULD BE ABLE TO FIND ME. IF YOU SEND A STALL LETTER THIS FURTHER LETS ME KNOW YOU ARE NOT DOING YOUR JOB. I WILL BE KEEPING RECEIPT OF THIS FOR LEGAL PURPOSES.
Product: Credit reporting or other personal consumer reports

This account is being reported inaccurately on my credit report by Equifax, Experian and Transunion. This is account is not in compliance with FCRA laws and IRS regulations.
Product: Checking or savings account

I tried opening an account in Chase Bank around XXXX last year. They denied and returned my deposit back. I was not given any proper reason as to why they denied my account. It was the beginning of the COVID pandemic and I did not bother investigate further so I want I another bank and opend an account without any problem. 

Now we started a new business and yesterday I went to Chase bank in XXXX with my business partner to open a business account since he has multiple account with XXXX. 
They said they will not be able to open an account with me as a signer in the account. They did open the business account but I will not be able to operate the account or be able to write checks or sign checks. When I asked for a reason why I was denied, they did not give one. 
At least I should know what is the basis for my denial. Please let me know what are my legal rights so I can take further action. 

Thanks XXXX XXXX
Product: Credit reporting or other personal consumer reports

The information was deleted by Equifax because I am a victim of identity theft. The fraudulent accounts were XXXXXXXX XXXX XXXX accounts ending in XXXX and XXXX. Equifax removed the accounts and then reinserted them under XXXXXXXX XXXX  with the same account numbers ending in XXXX and XXXX. 

Equifax did not send me information on the reinsertion which is required within 5 days a violation of FCRA rules and standards. 

I tried reaching out to XXXX but it is a defunct bank so not sure how they are reporting any information from that bank. Equifax is not honoring the rules of the Fair Credit Reporting Act. 

I have attached the equifax reports showing they are reporting as XXXXXXXX XXXX which has been in existence since XXXX of XXXX but is showing up on my credit report as of XXXX of XXXX!! 

I am demanding this information be removed from my credit report, immediately.
Product: Student loan

original loan amount XXXX outstanding principle XXXX XXXX   original loan amount XXXX outstanding principle XXXX XXXX LOAN DATES XXXX Company XXXX