23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

My wife and I leased cars from a Massachusetts XXXX dealership, in XXXX and XX/XX/2016. 
The loans were through JP Morgan Chase bank, and administered by Chase online auto finance. 
The payments were set up to be taken automatically each month, from one of our XXXX ( XXXX ) accounts, by Chase auto finance. We have bank statements showing that those payments were taken on time each month, for each of our two cars. 
However, inexplicably, in XX/XX/2016 Chase Bank determined that we had defaulted on one of the loans and repossessed that car. We tried to resolve the issue by speaking to many different representatives at Chase finance, and even did so while getting assistance, in person, from managers at our local XXXX branch, who directly confirmed that the appropriate payments had been withdrawn from our account, on time, for each car. We also faxed all of the relevant XXXX statements to Chase. 
This was not sufficient however, and we were forced to REPAY several months worth of the loan, as well as repossession costs, impound fees, tax, etc, in order to get the car back and reinstate the terms of the car lease. 
In addition to that, we were forced to rent a car while our leased car was impounded. 

Since that time my wife has been on the phone with different representatives from Chase, practically weekly, and sometimes for hours at a time, trying to resolve the issue and have our overpayments and expenses refunded, due to the error ( s ) by Chase. 
She continually encounters dead ends, and each and every time she has been told a supervisor will return her call, the supervisor fails to do so. 
One supervisor in particular stopped taking my wife 's calls altogether. 
At every turn Chase finance has been unable or unwilling to assist us in resolving this issue. 

And now, the exact same thing has happened with our other leased car. It was repossessed last night, without any warning or notice of delinquency. 

We need help to resolve this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was a tax lien on my credit report dated XX/XX/XXXX and I wrote each credit bureau after the 7 years to remove off my credit report because it was paid. Per my request it was done for all XXXX credit reporting bureaus ( XXXX, Equifax and XXXX ). In XX/XX/XXXX it reappeared back on my Equifax that was previously deleted in XX/XX/XXXX with a updated date of XX/XX/XXXX. As I read on the Fair Credit Reporting Act a paid Tax Lien should be removed completely after 7 years of original reporting date. How come this is being reported again and it was reported by XXXX XXXX not the Internal Revenue Service Agency.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXXXXXX XXXX ) was never late! I have had exceptional payment history witH 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 my 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 REPORTING 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  ) Never Sent the periodic statement along with the disclosures from section XXXX637 ( 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: Mortgage

on XX/XX/2015, my mother, XXXX XXXX XXXX, passed away and I inherited her home. the house had a mortgage in place from navy federal credit union. For the 1st year I tried weekly and at times daily to communicate with them to assume the loan. I provided the death certificate, the will and the title which has my name on it. they refused to communicate with me, refused to allow me to pay on the loan and refused any information about the status of the account to me. it went into foreclosure ( the notice of acceleration was sent to an address that does not exist and i was never notified in any way ) Once i discovered this i moved cross country from XXXX   state to XXXX to make the home my primary residence and to handle the situation in person. that was over 2 and a half years ago. they have still refused to allow me to assume. they are attempting to refuse my assumption based upon my credit score witch according to the cfpb and numerous other laws and organizations does not apply. they have made me jump through every hoop imaginable. they have added so many legal fees that the house is almost under water when it had over XXXX in equity originally. they have not responded to my many notices of error, their attorneys have made numerous false allegations and used a large number of varying aggressive, predatory tactics of which I have evidence. I took them to mediation and they didnt even have a representative from the bank show up and then they refused to comply with the arrangements made during the mediation and instead filed for a summary judgement. 
I have tried for 5 years now to simply assume the loan for the home which my mother 's ashes are buried on. My wife and I have held steady income the entire time and have stated time and time again that we just want to assume the loan and pay it. 
We are stuck, lost, and in daily fear of losing our home. Please help us. Please. 
I just want to protect the home my mother left to me. 
I feel like they intentionally denied me assumption and used predatory tactics to foreclose upon the home to profit from the equity.
Product: Checking or savings account

For the past 16 months, Ameris Bank has engaged in a practice that enables merchants to draft my account without authorization even after I'd frozen my debit card. Ameris also delayed posting a deposit until after drafts or held drafts until my balance was deficient resulting in overdraft charges, which they will not refund. I'm told to contact the merchant but in about 8 or 10 merchants have not legitimate phone or contact information. And even after requesting a list of merchants that claimed preauthorization rights, I was denied that list as it's not indicated in my statement, then Ameris added additional OD charges for having an overdraft for less than a week. The bank had closed its branch during the worst if this last year and I was not allowed the chance to sort it out. Now, I have one if the disputed drafts pursuing me in collections after I had to close my account to stop charges, and Ameris says it has no record of the events leading to the unauthorized drafts. Ameris has exploited me knowing I have one main deposit ( SSA ) a month, and I have pleaded for them to stop merchants from drafting my account without my expressed intent. They've sent me threatening letters as to the status of my account that stems directly from erroneous, excessive OD charges.
Product: Credit reporting or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. I feel like I'm being taken advantage of and being ignored. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle fraudulent, incorrect and unverifiable account that is kept to be established as correct. I am in desperate need of this item to be INSPECTED and REMOVED. 
XXXXXXXX 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 am writing to dispute the continued presence of inaccurate name and addresses on my credit report. Despite prior disputes, this incorrect name and addresses remain listed : These name and addresses do not belong to me and are irrelevant to my credit history. I have previously submitted documentation confirming my correct name and addresses, but this errors persist, violating the Fair Credit Reporting Act ( FCRA ). Their continued presence could negatively impact 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
Product: Payday loan, title loan, or personal loan

This company has very suspect application processes. As part of the final step for getting a loan, I was asked to provide my online banking login credentials. They made providing my user name and password part of the application process.
Product: Checking or savings account

I had to file a dispute with chime due to unauthorized transactions as I was in XXXX XXXX XXXX XXXX XXXX XXXX  due to an ongoing issue with XXXX XXXX XXXX XXXX XXXX, the time my card was charged. I pressed charges on the person who broke in my home and stole my debit card while I was in the hospital. I shared the police report with chime as well as my XXXX papers from the hospital. Chime is requesting medical records and XXXX XXXX that is breaking HIPPA. All I want is my money back they promised for an update by the XXXX XXXX XXXX  and I never heard anything.
Product: Credit card or prepaid card

When will this bank approve me and not closed my account they treat me horrible when I get approved their XXXX fraud department shuts me down immediately its not fair I cant use my card once approved I have applied for a secured card even and they wont approve me their crazy also I asked them they would offer contactless technology on their cards tap pay feature it makes the checkout more convenient as many banks are starting to add this feature next to the chip you tap it instead of inserting the chip its more secure they said they dont know such old technology time for this bank to update their card technology as other us banks
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 XXXX XXXX XXXX XXXX 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 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

I applied for the card, sent all required documentation while on the phone with the processing department, while they confirmed they had everything. I was approved card was mailed to be. But once I started to use it the company approved my transactions at the time of purchase but then declined them. After weeks went by they told me I was declined because they couldnt verify my identity. Mind you I have had a personal loan with this company for one year. I asked how can you not verify my identity you have everything, credit report, driver license, tax form, social security card and a selfie. They told me thats all they can tell me. How is this far to consumers?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX Regions deleted from XXXX  & XXXX  credit reports Long term Good Credit Never Late Paid Early {$50000.00} Mortgage Loan information IN RETAILATION TO MY ID THEFT REPORT XX/XX/XXXX OF REGIONS CREDITCARD.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did noi comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal information was stolen back in early 2016 and  since that time, someone has tried to open multiple credit card accounts, and loans. Received police report, and contacted several companies to assist, but no results. Also contacted and disputed inquiries with all credit bureaus and still no results.
Product: Prepaid card

i have a rush card. I have not received my payroll check. it has caused me to not be able to purchase food gas and pay my bills. I am very disappointed with all of this happening because I trusted XXXX. but now im mad, simply because I feel he needs to make a public statement and stop hiding behind fb and twitter!!!
Product: Credit reporting or other personal consumer reports

There was Fraudulent charges on my XXXX XXXX XXXX XXXX From XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  Also fraudulent hard inquiries recently added to my credit report. We already had this tried to delete these. I filed a complaint wuth the FTC and attached the report report. accordance to the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights privacy and confidentiality under 15 use 1681 Account names : 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 15 U.S.C. 1681 SECTION 602 A. STATES I HAVE THE RITE TO PRIVACY. 15 U.S.C.1681 SECTION 604 A SECTION 2. IT ALSO STATES THE CONSUMER REPORTINGB AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 U.S.C.1681C. SECTION STATES : NO CONSUMER REPORING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAIN ANY OF THE FOLLOWING ITEMS OF INFORMATION ANY OTHER ADVERSE ITEM OF INFORMATION OTHER THEN RECORDS OF CONVICTIONS OF CRIMES WHICH ATTEDATES THE REPORT BY MORE THEN 7 YEARS 15 U.S.C. 1681S-2 ( A ) ( 1 ) A PERSON SHALL NOT FURNISH ANY INFORMATION RELATED TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAS REASONABLE CAUSE TO BELIEVE THAT THE INFORMATION IS INACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reporting Agency did not COMPLY with my request
Product: Vehicle loan or lease

I had to issue an initial complaint with the CFPB in order to get Axos to issue me a refund for {$410.00} that was debited via an autopay from my account on a loan that no longer exists ( was paid off 2 weeks prior ). Now I'm issuing another complaint because the refund check they issued bounced with my bank. I have now incurred a return fee. I've tried calling Axos and no one picks up. I'm on hold for what seems like forever. I also opted for their callback service 2x and no one has returned my call. Poor customer service. 

I need them to issue a new check and ensure funds are available this time or to ensure whatever caused the initial rejection to not happen again.
Product: Credit reporting or other personal consumer reports

I reached out Transunion on XX/XX/year> regarding a request to investigate things I deemed to be inaccurate or incomplete. Transunion responded back with a stall letter on XX/XX/year>. Stating that it was not me and implying its from a third party. Which I got help from submitting from the CFPB days go submitting. However Im not sure why they think Im a third party. As Im trying to fix my own credit and get these inaccuracies removed. That way I can proceed on purchasing my next home, car or whatever I need to in the future.
Product: Credit reporting, credit repair services, or other personal consumer reports

PLEASE READ THE ATTACHED DOCUMENTS FOR FURTHER DETAIL OF THE SITUATION.
Product: Checking or savings account

Subject : Formal Complaint Against Chase Bank for Unjust Closure of Business and Personal Accounts I am writing to formally lodge a complaint against Chase Bank regarding their abrupt and unjustified closure of my LLCs business checking account ( Account No. XXXX ) and the subsequent closure of personal accounts belonging to all three XXXX XXXX ( GPs ) of our company, XXXX XXXX. This decision has caused severe disruption to our business operations and personal financial management and represents a concerning and unilateral overreach on Chases part. 

Background of the Issue : XXXX XXXX is an online investment company that raises funds from Limited Partners ( LPs ) and invests directly in transparent, legitimate platforms such as the XXXX XXXX XXXX XXXX  and online property investment platforms like Arrived, XXXX, and XXXX. In XXXX, 2024, Chase abruptly decided to close our business checking account citing concerning activity without providing specific details or an opportunity for explanation. 

Following this, all three GPs of XXXX XXXX had their personal Chase accounts unilaterally closed. This blanket closure appears to be punitive and without merit, as none of the personal accounts had any connection to the alleged concerns raised about the business account. This action by Chase feels like a form of corporate bullying, targeting individuals who rely on Chase for their personal banking needs. 
The closure of our business checking account has delayed essential transactions, including fund transfers, partner distributions, and time-sensitive investments. 

Demand for Resolution : Chases actions are unwarranted and unacceptable. We believe the closures are not only unjustified but also indicative of a lack of regard for customer relationships and due process. The unilateral decision to close both business and personal accounts without clear communication or explanation undermines the trust placed in Chase as a financial institution. We demand reinstatement of the business and personal accounts.
Product: Mortgage

On XX/XX/XXXX, I spoke to a XXXX XXXX at ( then ) JG Wentworth -- now Freedom Mortgage -- about refinancing. He took my information and, after deciding he could get my mortgage refinanced, told me to apply and that he could get it done by XX/XX/XXXX. I sent all the documents he requested that same day. He did not disclose that AG Wentworth had been taken over by Freedom Mortgage. Had I known that this company was about to be transitioning to new ownership, I would not have applied. I had many choices, as I went through XXXX to find lenders. He chose not to tell me -- I know that he knew of the change because I asked him later, after I found about it from the loan processor when I was informed that she couldn't access all the documents I had e-signed. 

It is now XX/XX/XXXX. This is what we learned : 1. The notary came today, and I was told that there was an escrow fee -- XXXX said when we spoke to him XXXX that there would be no fees. The notary talked to the escrow company, pointing out that there was a credit to be applied, so no fees. The person she spoke to said that that was wrong, and that fees would be applied. 

2. Property taxes, homeowners insurance, and flood insurance were paid by the borrower and not to be included. However, the lender added flood insurance to the mortgage, raising the monthly mortgage. Loan processor didn't inform me of this. No one told me that Freedom Mortgage required this. 

I refused to sign the loan. I'm now searching for another lender, after three months of waiting. I wasted money on an appraisal, unless I can find somewhere that will accept the one they did. 

This loan rep was dishonest. This whole process was like being taken for a ride. Very unprofessional and disreputable.
Product: Credit reporting, credit repair services, or other personal consumer reports

1.In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number 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 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 purpose 2. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account numberXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 3.In accordance with the Fair Credit Reporting act XXXX XXXX Account numberXXXX has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian has my credit score of XXXX, a drop of XXXX point from last time. 
That the same time my credit score for XXXX is XXXX, and for XXXX is XXXX. 
I try talking with Experian, however that always hang up after 30 minutes on the phone.
Product: Mortgage

A payment of {$4100.00} was sent to the payment processing center in XXXX NJ it is Showing received & cashed. The XXXX Assistance XXXX XXXX id trying to track down these payments because XXXX refuses to contact their payment center to see why these payments arent applied to my account or sent to the new servicer This Check was sent back in XX/XX/2022 its now going on XXXX!