23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Two years ago, I stopped into my mortgage lenders local banking office - Chase in XXXX, KY and was told if I was a new customer looking for a new mortgage they would lend me $ XXXX assuming the property met the appraisal. At that point I had owned the property almost 3 years. I was aware the property values were increasing in the neighborhood based on a discussion with my real estate agent and wanted to have PMI removed. After now 5 years into the loan the principal balance is below 78 % - JP Chase Morgan is still forcing me to pay them {$110.00} in order to remove the PMI. The {$110.00} is to have a broker/realtor come out and provide an OPINION on the price. Broker Price Opinion. 
When I purchased this property in XXXX XXXX, I purchased it for $ XXXX and the appraisal came back at $ XXXX. Up until XXXX of XXXX - they were requesting I pay for an appraisal at a cost of {$450.00} which is {$100.00} to {$150.00} above the XXXX market average for an appraisal. In XXXX appraisals were running {$300.00} to {$350.00} at the time of the original request. I was told by the mortgage group at Chase that this was the national average ... so including inflated appraisals for places far beyond our standard cost of living. This is JP Chase Morgan robbing the American people of money they should not be entitled to. 

I am a single mother, have called requested to speak to supervisors, called the executive office and requested to speak to executives that they are taking money from mortgage owners that they have no right to ... forcing us to pay a premium in order to have the insurance removed from the account. When I signed my paperwork in XXXX of XXXX, the title company was adamant that at the point I had paid my mortgage at or below 80 % to contact the company to have the PMI released or waived. I have never been late on a mortgage payment, I have had several conflicting communications from Chase bank regarding my mortgage - for example they sent me a communication if I opened an account and had my mortgage automatically deducted I would be entitled to a 2 % kick back on my mortgage interest. When I signed up and reviewed my mortgage the next year, I called only to find out I had been lied to and was not entitled to the program because another bank had sourced the loan from them ... so although they were the loan servicer immediately I was not entitled to the program they marketed and told me I was entitled to. I do not want to pay {$110.00} ( unless they plan to put it on my principal of my loan ) to get rid of a forced fee, they are not entitled to. Today I was notified that XXXX - was the one requiring that the PMI remain on the loan UNLESS I ordered a BPO. I spoke to XXXX last week thinking they could help me. The XXXX rep informed me that my PMI being waived or released had nothing to do with XXXX and that was solely dependent on the mortgage lender. So now Chase is saying oh no it 's XXXX requiring this. Please, please help me!
Product: Credit card

My husband had a fraud on his Sam 's Club Synchrony bank credit card account in XXXX and XX/XX/XXXX. He reported the fraud multiple times and they kept transferring the balance to the new cards issued. 
He passed away XX/XX/XXXX. We've been fighting with Synchrony Bank to close the account since. We have reported his death multiple times. He had two other cards through them that were closed but they continue to collect on this one and send threatening letters that they are going to sue us. 
My daughter and I called and spoke to XXXX today who advised we didn't report the death. My daughter advised all the dates and times she called as well as the letter mailed on XXXX by certified mail that was received by them and the death certificate was enclosed. He reviewed and found the letter but stated we didn't send the death certificate, which was in the same envelope. They continue to send threatening letters and refuse to close the account. 
I've attached the fraudulent transactions that were reported in a file with a letter to XXXX. They removed the account from my credit report. The only remaining balance on the card were the fraudulent transactions.
Product: Bank account or service

Pnc bank is trying to take my funds stating I have an outstanding balance from XX/XX/XXXX. I opened this account in XX/XX/XXXX. I have a previous account with pncb an that was closed because pnc bank had fraudulent practices which forced the consumer to pay extra overdraft fees. A class action suit was filed and pnc bank settled. These fees were reversed and everyone who submitted a claim was rewarded. I have not received one notification from pnc bank that referred to any outstanding balance. This outstanding balance is due to fees from that old account. Since XX/XX/XXXX, pnc bank never sent one notice nor have a received any notice from any collection agency on their behalf. I was in the XXXX XX/XX/XXXX and applied to receive unemployment compensation which I setup to go into this account. On XXXX XXXX, XXXX, XXXX deposited the funds into my new pnc account. On the same day, pnc closed my account because " I had a XXXX balance for one month ''. I called pnc bank to resolve this issue on Monday, XXXX XXXX, XXXX. I was told the account was closed and why. Pnc reopened the account but stated a had an outstanding balance from XXXX. I explained to them that that old account was apart of a class action suit and I did n't not owe these fees. Also, as previously noted, pnc bank never notified me previous to XXXX XXXX, XXXX that there was an outstanding balance in question. There has been no detailed accounting of what I owe these fees for but pnc bank is trying to apply my XXXX funds toward rhus XXXX balance. I opened this account in XXXX XXXX and have had many deposit into this account. If there was a balance in arrears, why was n't it applied between XXXX XXXX and now. They could have gotten this number from anywhere. They are either trying to collect on these accounts they lost in a settlement or they are outright trying to defraud the consumers.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in months that are reported late to be removed.

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

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


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

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

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

Delete the late payments from my consumer reports
Product: Checking or savings account

I called CAPITAL ONE Bank at XXXX ( XXXX ) XXXX XX/XX/18 at XXXX they say the can not do anything about it. 
And have tried solving the issue myself over the course of a couple weeks, I still finish myself unable to use external application with my bank account. This is my right to use as I see fit. I do not need barriers placed on my account. For about a year all my services worked and then suddenly it began to fail with connecting to capital one. App such as XXXX pay apps no longer function as intended. I dont not want to use capital one bank bill pay. I would like to have the option. I have apps such as earnin a payday app that requires to see my my banking transactions to see when Ive been paid, so it XXXX lend me money, and debit it when my payday arrives. I must call customer service every week and email them screenshots to continue using the application. THIS IS WRONG. My time and hours of the day I spend doing work arounds. If this is not fixed Im closing the account.
Product: Credit reporting or other personal consumer reports

" I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. XXXXcXXXX, which requires consumer reporting agencies to block or delete information reported without written consent. 

You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. XXXXe ( b ). The reporting of unauthorized data also breaches 15 U.S.C. XXXXb, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected. 
"
Product: Credit reporting or other personal consumer reports

I sent a letter out in recently to TransUnion and made some unfortunate discoveries with some inaccurate reporting that is on my credit report. However the credit bureau said they completed the investigation and everything was 100 % accurate. After I did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate and questionable items that the agencies did not make sure the reporting was 100 % correct. In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character. general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who XXXX have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency was obtained directly from a creditor of the consumer or from the consumer. I would like to know who did they speak with? And how did they complete their investigation with valid proof? 

The following items NEED TO BE REMOVED BECAUSE THEY ARE NOT MINE. 
XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ACCT # XXXX XXXX. XXXX ACCT # XXXX XXXX. XXXX ACCT # XXXX XXXX. XXXX OF XXXX ACCT # XXXX As well as these inquiries. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. XXXX XXXX. XXXX OF XXXX XXXX. XXXX XXXX. XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Yesterday I pulled my credit report and I noticed I have accounts on my credit report that don't belong to me nor have I ever authorized. I notified my lawyer and she instructed me to file a complaint with the CFPB first. The following accounts are fraudulent and are not mine and need to be deleted from my credit report. 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 Also these inquiries are fraudulent and not mine and need to be deleted from my credit report. 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 XXXXXXXX XXXX. I also see several inaccuracies with my personal information. The only name that I have ever used is XXXX XXXX, my address has always been XXXX XXXX XXXX, XXXX, IN XXXX and I am self employed. My only number is XXXX. None of the other information applies to me nor has it ever and needs to be corrected. Please correct it as well. Please help me.
Product: Money transfer, virtual currency, or money service

They sent me an email saying they suspected fraud on my account and terminated my account effectively I asked what on my account was fraud but I got no answers
Product: Credit reporting or other personal consumer reports

Experian and XXXX continue to report an allege debt I do not owe and they have not validated or verified as belonging to me. I have received no documentation or contact information on who they spoke with to validate this allege debt. This debt has been canceled out and is now considered income and can not be reported to the credit bureaus.
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall REMOVE any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I contacted XXXX Customer service on on XX/XX/year> to inform them that my account is still showing as open on my Experian credit report. They state that my account is completely closed. They asked me to contact Experian credit Bureau. I immediately end their call and contact Experian whom informs me that XXXX verified that my account is accurate meaning I have an open account with a XXXX balance. Both financial services are creating harm to my credit worthiness by blatantly violating the laws and intentionally reporting false information on my account.
Product: Payday loan, title loan, personal loan, or advance loan

I've had personal loans with Navy Federal over the years pay them off consolidate some of them and today XX/XX/XXXX I asked for {$4000.00} personal loan to pay off the existing loan of {$2700.00} and extra {$1200.00} they denied me with in 1 hour although my checking account is with them my direct deposit of VA and social security payments go directly to Navy Federal credit I always set up direct payments for my loans from my account to them they have no problem getting My payment just trying to get updated on few
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX, I sent in dispute letters to all 3 credit bureaus, only to receive 3 letters from XXXX, and XXXX on XX/XX/23, XX/XX/23, and XX/XX/23 advising they thought the dispute letters had not come from me, and the letter from them stated, they would not investigate my inaccuracies on my credit report, a clear violation of the FCRA. This is a continuing tactic of the credit bureaus, especially with XXXX and XXXX. I included a copy of my ID and proof of address with all the letters sent.
Product: Credit card

This relates to my previous complaint with Discover. I never received an email telling me the application was cancelled although it was promised for last XXXX. XXXX days ago I got an email telling me I had a message - but I had to log onto my account. I did not want an account ; and I cant log in as I dont have an account #. This is ridiculous
Product: Debt collection

Simplified Revenue Recovery LLc is in violation of 15 USC 1692
Product: Debt collection

During the time frame of XX/XX/XXXX, to XXXX XX/XX/XXXX, I was attending XXXX XXXX boot camp in XXXX XXXX, South Carolina. An account with Rooms-to-Go was created in the amount of {$1600.00} in XXXX of XXXX. Rooms-to-Go charged off this account on XX/XX/XXXX; during which I was receiving military training, with no means of communication. During my time in bootcamp, my home of residence was vacant, and no mail was forwarded to my address. My prior address was no longer in my name after bootcamp. After learning of the charge off, I contacted Rooms-to-Go and synchrony bank to try to resolve the issue ; stating the situation above, I was told it was too late to resolve the issue with Rooms-to-Go and had to pay either in full to synchrony, or increments with interest. During my absence, I recieved no notification from Rooms-to-Go, or synchrony bank about this transfer. During XX/XX/XXXX-XX/XX/XXXX, I have been XXXX XXXX and XXXX, and have had little time to resolve the issue further due to time differences and long distance calls. As of now I would like to resolve the issue with Rooms-to-Go, and pay off what I owe to the original lender, rather then the collections agency ; and possibly resolve my derogatory credit that has lowered my score significantly.
Product: Credit reporting or other personal consumer reports

I recently retrieved my credit report and it showed 1 credit inquiry that I have no knowledge of ever authorizing. 

creditor name : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX and is {$1500.00} for a XXXX XXXX XXXX. Service received XX/XX/XXXX I had two forms of insurance at the time of service : XXXX XXXX and XXXX. For the past two years, Id been caught in between both medical providers for the service I received. When the smoke settled and I thought Id received my last bill, I got an alert on my credit report that on XX/XX/XXXX, I had an account go into collections for this same service. After researching it thoroughly with both my insurance providers, I learned that neither one was presented with the opportunity to pay this bill. 

I was pretty shocked that while Im trying very hard to build my credit back, I could be negatively affected by this type of surprise billing practice ; thinking this is a federally regulated practice to protect people. This doesnt seem to be the fault of CACI XXXX from what I can ascertain, but that the medical provider billing department didnt send it to insurance ; just you all. I ask that you all remove this collections from my credit report and allow my insurance companies a chance to pay what they owe first, then come to me with the balance.
Product: Debt collection

Credit card debts were charged off. Bought by XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX illegally. I did not received validation of debts. Asked numerous times. Debts placed in judgements. Harassed my employer, garnished my wages and my federal and state refunds without my knowledge.
Product: Checking or savings account

I am writing to escalate my previous complaint regarding the prolonged and unjustified withholding of funds by Chase, which has severely impacted my financial stability. Despite my continuous efforts and previous complaint, the resolution offered by Chase remains unsatisfactory and lacks substantial justification. 

Key Details of Chases Response and Rebuttal : Account Closure and Fund Withholding : Chase referenced their right under the Deposit Account Agreement ( DAA ) to close accounts and withhold funds for investigations. While they claim this is to protect both parties or comply with legal requirements, they have not provided any specific evidence or detailed reasoning that substantiates the alleged 'suspicious activities ' involving my accounts. The vague nature of their investigation and the indefinite withholding of funds without a set timeline are concerning and cause undue hardship. 

Lack of Specific Time Frame : The absence of a specific timeframe for completing the investigation, as mentioned in their response, is particularly troubling. It is unreasonable to withhold personal funds indefinitely under the guise of an ongoing investigation without providing regular updates or concrete evidence of the necessity for such an action. 

Terms of the XXXX  : While the XXXX may allow the bank to close accounts and withhold funds, this right must be balanced with the obligation to treat customers fairly and transparently. The XXXX does not provide the bank carte XXXX to withhold funds indefinitely without accountability. This action seems to be an abuse of the terms intended for legitimate protective measures. 

Request for a Fair and Timely Resolution : Given the prolonged duration of this issue and the impact on my financial well-being, I am requesting an immediate review and release of my funds. Additionally, I seek a clear justification for the continued withholding of these funds, and if none can be provided, then the immediate release of all funds with appropriate interest compensation for the period they were held. 

Potential Legal Violations : I am concerned that this situation may involve violations of consumer protection laws which advocate for reasonable handling of such investigations and require financial institutions to act within a reasonable timeframe and provide adequate notifications.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX  - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX & XXXX XXXX - Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX - Account Number : XXXX Account Name : XXXX XXXX # XXXX Unauthorized inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX