23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My complaint is with Chase Bank. My accounts were hacked and after my online accounts were frozen, someone continued to access and use my accounts. My savings account had monies in it and then someone accussed it, took money out without my authorization and deposited money into the account and then took money from the account that was not there. That caused a large overdraft of monies that I didn't and don't have. Now the bank has seize my Social Security and XXXX monies telling me that I owe and will seize those funds to pay off an account that was used without my authorization. I have appealed to Chase, but they tell me I owe that money and has affect my new account with XXXX XXXX. I am due to recieve a large amount of money and because of what Chase has done the money is on hold. Being on Social Security and XXXX XXXX, I don't have the funds to at least clear this up. I feel like that Chase Bank is extorting me.
Product: Mortgage

FAILURE TO DISCLOSE THE NATURE OF THE BUSINESS RELATIONSHIP WITH THE SUPPLIED TITLE COMPANYXXXX XXXX XXXX XXXX 

LoanDepot never disclosed with me in any form of communication that XXXX  is owned by LoanDepot and created a potential conflict of interest for quality control which may have directly impacted my tax payment estimate which was incorrectly quoted during closing in XX/XX/2020 ( another CFPB complaint was opened for the specific issue of incorrect tax estimate ) Violation of Regulation : BREACH OF CONTRACT TO PROVIDE FULL DISCLOSURES OF AFFILIATED BUSINESS ARRANGEMENTS PER 12 CFR 1024.15.
Product: Credit card or prepaid card

Capitol One pulled a fast one with my original complaint... # XXXX. They knew the credit card I was referring to was the Cabela 's Club XXXX Mastercard but they went to an XXXX XXXX account on purpose. Nowhere in my original complaint did I ever member that credit card ever, They did this intentionally. 

How do I know? The collection agency they transferred my Cabela 's Club XXXX Mastercard account was the one they were assigned. Capitol One was devious and unprofessional with this effort telling you XXXX thing and me another wasting both of our time with this distraction from the essence om my original complaint. 

I want the reply to the Cabela 's Club XXXX Mastercard account which they cancelled many months ago. 

Yesterday I drove XXXX miles XXXX way to the XXXX 's store in XXXX to speak to the company to try to get the old account number but all I got was XXXX female customer service rep after another, I wasted my time and fuel to try an honest effort that failed. 

Please refer to my original complaint # XXXX that you closed after Capitol One gave you a huge lie in their XXXX XXXX reply, Thank you.
Product: Debt collection

In XXXX, I received XXXX letters from United Collection Bureau ( both attached ). XXXX states it was for XXXX XXXX XXXX account ending in XXXX for {$710.00} owned by XXXX XXXX. The other states it was for XXXX XXXX XXXX XXXX XXXX account ending in XXXX for {$1000.00} owned by XXXX XXXX. I did not recognize either one. Both letters state they will accept disputes and requests for more information in writing ( either by mail or the link provided in the letter ) by XXXX and XX/XX/XXXX respectively. On XXXX, I went to www.requests.ucbinc.com and disputed the debts and requested more information using the form provided. UCB failed to respond to the requests and instead reported the collection for account ending in XXXX for {$710.00}, which was added to my report on XX/XX/XXXX. I immediately called UCB to inquire about why my request for validation/dispute was ignored and was told to contact XXXX. I contacted XXXX using their website form and got the attached email that I would receive a response from the appropriate department. No response. On XXXX and XX/XX/XXXX, they proceeded to also add a collection for account ending in XXXX for {$1000.00} to my credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

On my credit report in XXXX the company began reporting my account as delinquent and placed it in collections/ charge off. In XXXX after consistently reporting my account as a charge off collection, they began reporting the account as open and late XXXX days. Since XXXX they have been reporting it monthly as a XXXX  days late which continues to hurt the chances of my score rising and has had a greater impact on my score verses when they were reporting the collection/charge off. I have not consented to any payments or provided any payments since XXXX and have had no contact with them or any representatives of theirs. Nonetheless they have began reporting as if I became delinquent at a later date, which has not only significantly impacted my score monthly but has also lead to the statue of limitations to be extended by XXXX years. This account was suppose to be deleted in XXXX and is now scheduled for deflection in XXXX. Thats almost XXXX years past the start of the loan and the last actual payment made towards the loan. I have disputed but continue to be denied although I have prof of the account showing collections and chafed off during the years XXXX, & XXXX.
Product: Debt collection

On or around XXXX XXXX, 2016 XXXX XXXX collection agency representative called my office seeking a consumer on phone number XXXX. 

Debt collection agency representative refused to give name of company and address to write cease and desist letter. 

Representative had wrong number in auto dialer system and continued to probe me as a third party despite the clear request for cease and desist information to be written per the FDPCA and similarly relating to Iowa debt collection law. 

Refusing to provide information is abuse and similarly did not resolve the issue of third party harassment. In relation to the same, the representative-agent refused to provide basic information about the company in order to conceal identities in relation to the nature of her debt collection activities.
Product: Credit reporting or other personal consumer reports

XXXX  credit card is violating my consumer rights by reporting TRANSACTIONS/EXPERIENCES on my consumer report! I demand that they EXCLUDE the following TRANSACTIONS/EXPERIENCES from all of my consumer reports, immediately! This is not asking for verification or if the information is mine, this is a violation of my consumer rights by the XXXX credit card company and reporting agencies, According to:15 USC 1681a- Definitions ; Rules of Construction ( 2 ) Exclusions- consumer report does NOT include : ( A ) ( i ) report containing information solely as to TRANSACTIONS or EXPERIENCES BETWEEN the CONSUMER AND THE PERSON MAKING THE REPORT 15 USC 1681b- Permissible Purpose of Consumer Report I have attached my photo Id for proof of ID ( address is getting changed on DL ) and I have attached copy of my lease for proof of address so you credit reporting agencies can stop using that as an excuse to stall, even though these items have been submitted via certified mail from previous disputes on multiple occasions!
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report because I want to get a new car and wanted to know my chances of getting approved. while checking I notice some items that were still on my credit that I did not approve of. I have reaced out to the FTC and to my local police department. I am doing this all on my own. Again these items are not mine and I need them removed from my credit report.XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted credit disputes with all three credit bureaus, to update my student loan balance and account status. My loans with XXXX XXXX were paid off and closed back in XX/XX/2021. XXXX, XXXX, and Transunion refuse to update my credit report. I contacted XXXX XXXX they have confirmed my accounts are paid off and closed.
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 not 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: Mortgage

Filed claim with our Insurance company for wind damage on roof, received Insurance draft.Tried getting insurance draft endorsed thru Dovenmuehle who is servicing our mortgage from XXXX XXXX XXXX XXXX. Unable to reach person assigned XX/XX/XXXX. Spoke to someone who said they were answering XXXX 's phone. Said endorse, send in, they would endorse and send back even though email said over {$10000.00} they would keep 10 %. I overnighted to Dovenmuehle. Attempted to contact XXXX twice XX/XX/XXXX phone just rang, no voice mail option. Tried again XX/XX/XXXX was able to leave voice message. Never received return call. Called XXXX XXXX XXXX   directly. XXXX XXXX got XXXX to return my call XX/XX/XXXX XXXX   stated they had a 5 day turn around and that they had to wait until our check cleared before they could send us a check for 90 %. This is incorrect as I overnighted them an insurance draft, not a check. Drafts do not clear like checks. The letter I overnighted with the draft explained that our roof was going to be replaced this week. We needed the money to pay the roofer. I included a prepaid return overnight envelope. Time was of the essence.

I emailed Dovenmuehle again XX/XX/XXXX told them if a check was not overnighted to me so that I received it by XX/XX/XXXX I would file this complaint. I also left voice message with XXXX XXXX Monday morning. She had XXXX   call me XX/XX/XXXX she said she would print the check, but it would take overnight processing. Seems XXXX  should have ordered on Friday and it could have been mailed Monday. I received a call from XXXX   XX/XX/XXXX stating she overnighted the check. I received an email with the tracking number, but did not receive the check today nor does the tracking number pull up on the United States Postal site. They have had our Insurance draft since WednesdayXX/XX/XXXX XXXX XXXX. I have postal record to prove it. If they are going to keep our funds for a week and then keep an additional 10 % they owe us interest. They are holding thousands of dollars without paying interest, and consumers have a very hard time contacting them. They use stall tactics to hold the money longer. XX/XX/XXXX I was also told they ordered a home inspection to verify our roof has been replaced and someone would contact us within 48 hours to schedule an appointment. I was not contacted untilXX/XX/XXXXby XXXX XXXX and told someone would contact us in 48 hours to schedule an appointment. Again, not what Dovenmuehle told us. Our shingles were delivered XX/XX/XXXX, and our roof torn off, and completely replaced by XX/XX/XXXX. We have paid thousands of dollars in interest over the life of our mortgage. Why do they not have to pay us interest if they are going to hold our funds? This needs to change.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

this complaint is regarding capital one bank NA They have taken {$500.00} dollars of my money and wont refund it after several requests. 
my daughter XXXX XXXX ( she lives with my ex husband XXXX XXXX ) opened an account when she was visiting me in Texas so she can access her funds in California. XXXX I am a member of capital one for several years ( 7 years or so ) but when opening her account, they asked for her social security number but no ID or she would have scanned it in. my daughter lives with my husband and is his dependent, i do not have her SSN or birth certificate XXXX it is given to him by consent of court and me. 
I gave her a check of {$500.00} from my XXXX account ( not cash ) to deposit in her account as a gift. 
She did so by using the app on my phone which i use to deposit mobile checks. 
now the bank claimed ID fraud saying i was stealing her ID and calling them. why would i do such a thing. i gave her money would that help me. as she called them every time she was visiting me. they ask us questions when we opened the account etc. how can we remember exact dates. they claimed money laundering. 
they asked us to take our ID and go to the bank in texas.. we did me nad my daughter on XX/XX/XXXX. the banker did not know what to do with the ID. 
yet no refund of the money. they keep our {$500.00} ( much needed funds for my daughter ) and refuse to give it back. 
i would ask the bank give her the {$500.00} or refund me the check. 
the bank closed the account, they promised to reopen it. we have shown them two different people two ID yet no results.
Product: Credit card

About XXXX years ago my wife and I purchased a hearing aids from XXXX XXXX  hearing center. We got bills and paid them. After we paid off the amount owed we were told that we owed XXXX % of the amount in interest from Synchrony Bank. We do not believe we ever entreated into an agreement with Synchrony Bank, applied for a credit card, signed for a credit card, gave anyone permission to get us a credit card, or agreed to anything that would allow for a XXXX % interest charge. I called the bank and asked for any evidence we had entered into a relationship with them, they sent a XX/XX/year> letter, in which they responded to my request for validation of debt. In that letter XXXX stated that it had no documentation validating any debt or the terms therein. I requested not any application or contract I signed and agreed to the terms which provided for XXXX balloon interest. I disputed disputing this purported debt. They have continued pursuing it, but admit there is no evidence we signed up for this credit card. The principal is paid ( again, all we ever believed we were obliging ourselves to pay, since we didnt request credit ) and want to stop getting hounded for money we do not believe we owe.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, continues to print the full credit card account number on its paper statements that are mailed monthly. All other creditors that I do business with mask the credit card number on both paper and electronic statements. Since mail theft is on the rise, and I was recently the victim of mail theft, this poses a high security risk. A phone call to XXXX XXXX credit department yielded no solution. I would like to ask XXXX XXXX to desist this practice as other creditors have done so.
Product: Checking or savings account

I would like to seek your kind intervention as since 2017 I am struggling to open a checking account. Bank of America fraud dept had reported a scam cheque deposit on my account which never cleared nor cashed. And fraud team member without even any investigation went ahead and reported to XXXX XXXX. Since then I have been unable to have a decent checking account for my paycheck direct deposit. I have been keeping a prepaid debit card account so my paycheck could be deposited. I reported this on the past and was advised that Bank of America representative would be in touch. However I never heard from them. I also spoke to XXXX XXXX  and they advised that they dont see any fraud which had occurred and neither was there any financial loss reported. XXXX Bank of America have to just send XXXX a fax with my details and remove it off so I can open a checking account. I several times spoke to BOA on phone and also visited theirs branches here in XXXX XXXX and was informed that they would get it fixed and call me. This never happened. I seek your assistance once again as I am a flight attendant and due to my work ay times having a prepaid debit card causes inconvenience internationally when i require atm services and any financialasisstance. Also every year I go through a lot of issues when I have to write a cheque or cheque for my annual lease renewal and rent payments. 
I request your kind intervention at your earliest convincer and help me get this fixed. 

Sincerely XXXX XXXX Cell : ( XXXX ) XXXX
Product: Mortgage

The loss mitigation department told me back in XXXX that my late payment wouldnt be reported late to the credit bureaus because I had file a loss mitigation form. Before it was 30 days late I called the lost mitigation department to ask why i havent received any updates on what they were going to be able to help me with and the lady told that it takes couple weeks or months sometimes to get an update. So I told the lady should i make a payment before the 30 days because i sure dont want it to be 30 days late, thats when she told me that because i file a loss mitigation form that they wouldnt report a late payment to the credit bureaus.On the beginning of XXXX they offer me a repayment plan but that would only make it worse for me so I refuse the repayment plan. Thats when the next day they reported me being 30 days late. I have written a letter to their credit report department and they declined to remove the late payment. If they would have told me that i needed to make the payment before the 30 days if not it was going to be reported to the credit bureaus being 30 days late I would have made the payment i had the money the lady told me not to make it so I listen to what she told me. All Im asking is for them to please remove the late payment reported to the credit bureaus. My credit score has dropped like XXXX points and its affecting me. Credit cards are changing my credit limit because of this. It wasnt my fault I was told the wrong information why do I have to pay for employers mistake.
Product: Credit reporting, credit repair services, or other personal consumer reports

Knight adjustment is reporting account to all three that is freud not mines
Product: Credit reporting, credit repair services, or other personal consumer reports

This is about Experian. Woke up to an email on XX/XX/22 saying my account email address has been changed. I replied to their help address as directed and was told I would get a response in 2 business days, which is absurd. I attempted to reach them on XXXX, but they dont respond outside of business hours. 

Luckily, I found this article, which details the problem : XXXX XXXX XXXX It appears that this has been a common problem with them lately. Someone with rudimentary personal info on you can register a new account and own yours. This has been known for at least a month, and they havent hardened their security. 

I didnt even want this account, but it was offered to me during their last massive data breach, in which they were given a slap on the wrists. Serves me right. 

Luckily I was able to get my amount back ( no help from them ) by using the same exploit : re-registering an account with my information.
Product: Credit reporting or other personal consumer reports

I Must express my deep dissatisfaction with the continued negligence displayed by your company in addressing the inaccuracies present on my personal credit profile. Despite my numerous letters requesting a thorough investigation and removal of such misleading information, it appears that my concerns have fallen on on deaf ears. it is important for you to understand that by law your required to take immediate action upon receipt of such request. Your persistent refusal to comply with the legal mandate forces me to escalating the matter and pursue legal action against your organization. Rest, assured, I awfully prepared to take all necessary steps to rectify this situation and uphold my rights as a consumer. I urge you to take this matter seriously and promptly address the issues at hand. I have submit dispute documents regarding Negative, incorrect, and outdated information. I Value my credit integrity greatly and fully intend to exercise my rights under the FCRA to the furthest extent. I expect a prompt and satisfactory response from you at your earliest convenience.

In Violation of Consumer Law 15 U.S. Code 1681b Subject to subsection any consumer reporting agency my furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom is relates.

Each Account is owed {$1000.00} due to Violation
Product: Credit card

My wife and I make monthly automatic payments to our Bank of America credit card. Those payments are set on a schedule, and we overpay on the monthly amount due. In an effort to pay this credit card off in XXXX 2015, an electronic payment was made of {$4400.00} on a balance of {$4400.00}. At the time of the payment, I called BOA to obtain the pay-off balance, and complained that we were charged a late fee in XXXX for a payment received on XXXX XXXX, which was due on XXXX XXXX. I requested the late fee be removed due to confusion over the holiday. The XXXX statement showed a balance of {$70.00}, including a late fee for receipt of the {$4400.00} 2 days late. Again, I contacted BOA in late XXXX to complain about the late fees, and was told they were removed from my account. I paid the remaining {$35.00}. In applying for a mortgage loan, we were informed in late XXXX that BOA had reported our account delinquent, and that our credit rating was damaged for what appeared to be a negligible balance. We called to complain, and learned that another late fee was charged to the account as the balance was paid off. So, we owed only the late fee. During the process of complaining to get the credit delinquency removed from our account and the late fees removed, XXXX XXXX ( XXXX ) told me that BOA would reverse the late fees and update the credit bureaus by the first week of XXXX 2015. I requested a confirmation letter, which he said he would provide. Meanwhile, unknown to me, my wife paid the late fee charge. He contacted by via phone one week later to inform me that BOA refused to issue the letter, correct its credit reporting and refund and reverse the late fees. As it stands, in an effort to pay this credit card off over 4 months I have paid BOA all that is owed and more, and they willfully, intentionally and in bad faith harmed my credit rating, and this is after they agreed to correct the entire situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax did not properly protect their databases and as a result my personal information was compromised. The breach was discovered in XXXX XXXX and Equifax did not notify the public until XXXX XXXX. 150+ million adults were impacted which is almost 70 % of the adult population. The credit check industry is a scam and a conflict of interests for consumers. You can not have a company offer services to protect your credit as well as be the gatekeeper to your credit information. There is no incentive to protect your credit when they make money off selling protection services.