23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This Complaint is related to a previously filed complaint ( XXXX ). Chase in its response, in order to close the complaint provided incomplete information and withheld other information. This complaint is related violations of the Fair Debt Collection Practices Act, the Truth in Lending Act, and the Fair Credit Reporting Act as well as abusive behavior in confiscating reward points without formal notification. Given recent Press Coverage of Chases efforts to manage reward costs this appears to be a conscious strategy to enrich the company and its shareholders and I request whistleblower status. 

The specifics of my initial complaint are attached. Relevant new information is as follows : I called Chase on XX/XX/XXXX to make a payment. The Payment came out of my account that day. As mentioned in the prior complaint I attempted to use the card at a XXXX XXXX and was declined. 

You will notice that while the Associate I spoke with was acting in a Debt Collection fashion, Chase is unable to provide a recording or transcript of the call. Quite convenient, but also troubling in that there appears to be a lack of oversight of this type of debt collection on Chases part, including any verification that appropriate disclosures and scripting was followed. Clearly this is something for you to review on their next Regulatory exam. 

On XX/XX/XXXX I received the attached letter confirming the Payment. Notice there is no mention of the account being closed. 

On XX/XX/XXXX I recieved my account statement ( attached ) reflecting the payment but showing the reward points removed. However the statement does not mention that the account was closed. It simply shows my credit limit of {$20000.00} but shows an available credit of {$0.00}. How would a consumer understand that the account had been closed? 

I also attempted to resolve this issue through Social Media via XXXX. I posted complaints to the Chase public account and XXXX  XXXX immediately responded asking me to direct message them my information, which I did. I followed this approach multiple times between XX/XX/XXXX and XX/XX/XXXX. Each time, I never heard back from CHase. It is clear their strategy is to derail negative comments via an offer to take the conversation offline and they NEVER follow up. Clearly this is a deceptive use of Social Media and a bad faith approach.
Product: Vehicle loan or lease

I decided to buy out my lease at the end of my lease terms in XX/XX/XXXX. I acquired a new loan with a new lender for the remaining value of the vehicle. Even though I paid off the amount with the new loan, Audi Financial Services has failed to transfer the title to my new lienholder because of incorrect Odometer form. My new lender ( XXXX XXXX XXXX ) reached out to inform me that Audi still has yet to transfer the title. I have been chasing and calling Audi Financial services since XX/XX/XXXX to get the form corrected to meet their requirements. Each time, they have informed me that they have the proper paperwork and they are processing it to be mailed out. Every XXXX hours I would call and they would then tell me that the form is still incorrect despite informing me prior that the form is correct. I believe Audi Financial Services is intentionally trying to deceit and cheat me out of my ownership of the vehicle.
Product: Credit reporting or other personal consumer reports

I am filing to formally request the validation and verification of the above-referenced account under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). According to my credit report, this collection account has been reported by SPRINGOAKCAP and I am disputing its validity. 
SPRINGOAKCAP XXXX Balance Owed : {$1100.00}
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cashapp ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ) Specifically, Cashapp 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 Funds Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I opene d a Business Build-to-Order Checking account at BBVA Compass i n   XX/XX/XXXX .  I have the original paperwork and it clearly states there are no service charges. I received a letter in   XX/XX/XXXX  th at also confirms there are no service charges.     In   XX/XX/XXXX  , I received a statement dated   XX/XX/XXXX , i ndicating that a $  XXXX  monthly service charge was removed from my account. This was the first letter regarding the account since   XX/XX/XXXX .  The statement describes the account as " CLEARCHOICE FOR BUSINESS ''.     After making a few phone calls, I learned  that BBVA Compass ha s been taking {$15.00} a month from my account for years, totalling at least {$450.00}.     I have been trying for  two weeks to get a statement showing the total amount that was taken from my account, and to get BBVA Compass to  return the money to me. The first week resulted in a branch manager,  XXXX   XXXX , returning 3 months in fees and telling me that was all he could do.     Last week I was directed to communicate with  XXXX   XXXX   at BBVA Compass re garding this issue. Wednesday ,  XX/XX/XXXX ,  I sent her an email requesting an itemized list of fees taken from my account and a refund for that amount. I have not received any communications from  XXXX   XXXX , as of   XX/XX/XXXX ,  other than answering my phone call to confirm she received my email request.     I also aske d BBVA Compass  who changed my account, when it was changed, why it was changed, and why I was not notified of the change. My address and phone number have not changed since opening both accounts. I have also received emails fro m BBVA Compass, b ut never a statement showing these fees.
Product: Credit reporting or other personal consumer reports

I noticed that the XXXX XXXX XXXX XXXX  Usage on my Equifax credit report had not been updated in over five months. Equifax guidelines advised me to contact the financial institution ; however, the customer service representative at the financial institution stated that they had been reporting to the credit bureaus as usual. The other two credit bureaus do not have a similar situation, nor do any of my other accounts on the Equifax report.
Product: Vehicle loan or lease

According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information that is inaccurate, incomplete, or can not be verified. 
XXXX XXXX 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: Checking or savings account

I am filing a complaint against Capital One regarding the deceptive practices related to their 360 " high yield interest '' checking accounts. Capital One misrepresented the 360 Checking account as having one of the nation 's highest interest rates, yet failed to notify accountholders about the superior rates offered by the 360 Performance Checking account. This deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Savings Act. I seek redress for the misleading practices and failure to fulfill their advertised promises.
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 proce 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 8,014 financial loss, and I seek appropriate redress for these violations
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XX/XX/XXXX Mohela and XXXX. XXXX XXXX XXXX spoke with the Unites State Bankruptcy Court regarding his student loan debt being discharge in his bankruptcy after proper notice was sent to the Department of Education. 

The clerk of the court inform Mohela and XXXX. XXXX that the debt was discharge and that the department of education was a given notice of the bankruptcy discharge order concerning the amount in the attached document in schedule F. 

The department of education didn't file a objective or appear in court regarding the debt and due to XXXX. XXXX hardship due to his former employee going bankruptcy the student loan was included in the amount listed in docket entry number 12 which is the chapter XXXX trustee report of the amount that was discharge. 

Mohela hasn't review the court bankruptcy petition nor has reach out to the department of education general counsel to verify the debt under the fair credit report act. 

XXXX. XXXX has spoken with multiple employee at the clerk office and was told that the department of education was given notice of the bankruptcy discharge of the debt in schedule F. 

Due to XXXX. XXXX race Mohela has signed a document stated that they need court document which are included in pacer.gov which they can review. 

Mohela can also reach out to the chapter XXXX trustee regarding XXXX. XXXX hardship in connection with documents entry 12. 

XXXX a employee from mohela was on the phone at all time when the clerk information her and XXXX. XXXX that the debt was discharge and notice was given to the department of education who didn't file an objective. Therefore no adversary proceeding was need when the credit did show up or object to the debt As a matter of face the department of education has given XXXX. XXXX permission to amend his complaint to include Mohela as a defendant. This consent was given by the United States Attorney General XXXX XXXX.See XXXX XXXX v. new york state higher education services corp., 831 f.2d 395 ( 2d cir. 1987 ) regarding hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several items that I need to have investigated see the letter attached for details
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Closed Complaint # XXXX XXXX XXXXXXXX XXXX presented its attorney with many false information and failed t o correct several delinquencies it had created in error. As a result it changed the error delinquency previously reported as XXXX late payment XX/XX/XXXX to XXXX late payment for XX/XX/XXXX. Between XX/XX/XXXX and XX/XX/XXXX it made several similar errors which it corrected by XX/XX/XXXX. Among its latest errors are a XXXX late payment for XX/XX/XXXX and a new missed payment reported to the credit bureaus around XX/XX/XXXX during a period when the account no longer exists. The company also denied any knowledge of the payment that I had scheduled for XXXX XX/XX/XXXX but was later advised by its Short Sale representative to cancel owing to the fact that I was not required submit a payment while awaiting closing of the sale initiated between the bank and the purchaser in XX/XX/XXXX ( see attached supporting documents ). 
Please note that the canceled checks paid to XXXX XXXXXXXX XXXX for the XXXX and XX/XX/XXXX were recently resubmitted to XXXX XXXX  XXXX via Experian in XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602A states I have the right to privacy. 15 U.S.C 1681 section 604A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting or other personal consumer reports

XXXX, Experian, & XXXX consulting to violate my consumer rights. The account listed as XXXX XXXX Account # XXXX is supposedly being verified by each consumer agency but they do not provide me with the information I keep requesting to follow up with the company to do my own investigation. The consumer agencies are required to do reasonable investigation into each dispute. Furthermore I did not sign up for any services that they provide so under who authority do the consumer agencies have to report this account? It is my belief the consumer agencies are only reporting this information because they make money by selling consumers information. 

XXXX XXXX ( Commission File Number ) XXXX EXPERIAN XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, New York XXXX Telephone : XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX NY XXXX Telephone : ( XXXX ) XXXX XXXX XXXX. 
( Commission File Number ) XXXX
Product: Mortgage

XXXX XXXX, XXXX at XXXX, I called my new mortgage loan lender XXXX XXXX XXXX XXXX  ( that my property was transferred to ), to pay my XXXX mortgage and the gentleman of XXXX XXXX XXXX told me I had until the XXXX, then the gentleman told me I owe {$380.00} for appraisals done on my house ( unbeknownst to me ) by the previous mortgage lender Shellpoint Mortgage Servicing . I told the gentlemen of XXXX I was unaware of appraisals done on my property/home, I didn't request appraisals, and I didn't authorize any appraisals for my house. The gentlemen of XXXX XXXX XXXX  told me that Shellpoint Mortgage Servicing did the appraisals in XXXX, and maybe the appraisals were done to see if I still live in my house. I told the gentleman of XXXX I never moved no where. That same day XXXX XXXX, XXXX at XXXX XXXX  I called Shellpoint Mortgaging Service and gave XXXX XXXX my account number. XXXX XXXX XXXX of Shellpoint Mortgage told me she does see appraisals for {$380.00} but Shellpoint Mortgage Servicing DOESN'T make homeowners pay for appraisals they do on the properties. XXXX XXXX said maybe Shellpoint might have sent that info in error during the transfer of the property to XXXX XXXX XXXX. I told XXXX XXXX XXXX of Shellpoint Mortgage can she, and her supervisor XXXX or XXXX XXXX, please send a letter to XXXX XXXX XXXX stating what she had just told me, " that I ( a homeowner ) don't owe nothing because Shellpoint Mortgage don't make homeowners pay for appraisals ''. XXXX XXXX XXXX replied, " sorry, they can't do that ''. XXXX XXXX of Shellpoint Mortgage told me to do a dispute with the new mortgage lender that they had transferred the mortgage loan over to ... XX/XX/XXXX at XXXX I called XXXX XXXX XXXX  back and XXXX XXXX XXXX XXXX told me that I WILL HAVE TO pay the Shellpoint Mortgage Servicing appraisals of {$380.00} even though I didn't request it, the mortgage late payment of {$21.00} that I paid in error to XXXX was put towards Shellpoint Mortgage appraisal fee, the appraisal fee is now {$410.00} because the longer I wait to pay it off there is interest added on, I can't do no little by little monthly payment to pay the appraisal off, the appraisal has to be paid in full, I can't dispute the unknown unrequested appraisal fee, and she'll send to me mortgage documents in the mail. I received the XXXX XXXX XXXX documents by mail and some of the pages are extremely too small to read. It's frustrating, its stressful. Bad enough my home had been transferred 3 times, but this is wrong to make me pay for appraisals I didn't request or know about. If these mortgage lenders can communicate with each other to transfer properties and loans then they can communicate to each other to put something in writing and/or requesting something in writing that I ( the homeowner ) don't owe nothing for these unknown appraisals done before the transfer or transfers.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX  Balance : {$360.00} XXXX XXXX Balance : {$74.00} XXXX XXXX Balance : {$360.00}
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, a complaint was made to remove all addresses that don't belong to me, including incorrect names. I have pulled my credit report to see if some have been removed, but some still remain. I am requesting that this be removed immediately with no delay.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I signed up for KIKOFF Lending , LLC to improve my credit score. It signed me up for an unknown installment plan. Shortly after, unknown to me, the account went into delinquency and was charged off on XX/XX/year>. Over {$8.00}. The company never notified me that I was overdue for {$8.00}. The account was closed, charged off and has been on my credit report for over 38 months. I emailed the company and asked for a Pay-to-delete, which they then told me I would I have to " mail them '' a check for {$8.00}. After I did that, the {$8.00} charged off account remained on my credit report. I recently got in contact with customer service asking for a pay to delete and was able to pay the {$8.00} via the app while opening a new account with them. Yet they haven't honored their part of deleting this {$8.00} account from my credit report.
Product: Credit reporting or other personal consumer reports

I AM a victim of identity fraud, I have been for a while now. The accounts in question were all created due to identity theft/fraud and must be removed because legally this is illegal to report FALSE INFORMATION PER 15 USC 1681 B. I am giving you all XXXX  days to resolve this manner or else I will be forced to seek legal action and sue you all {$XXXX} per violation.
Product: Mortgage

I deferred {$3600.00} ( three payments x $ XXXX/month ) on my FHA Mortgage serviced by Home Point Financial Corp. This was due to a Covid-19 loss of income situation as allowed by the CARES Act. 

I promptly contacted Home Point to end forbearance and to resume payments. I requested and received Partial Claim documentation via XXXX  from Home Point and understand completely that a second lien will be required for {$3600.00}, the amount of the deferred payments. 

If you look at the Uploaded document prepared by Home Point and received by me, the amount of the second lien is in excess of {$6100.00}, nearly {$2500.00} higher than the amount deferred. This is a binding document and can not be changed once signed/notarized. 

I have remitted the upcoming month 's payment in-full and the amount of deferred payments are the only outstanding balance.. I understand there may be a small amount ( {$120.00} or less ) charged by Home Point for preparing documents and providing a return XXXX label for my use. However, a {$6100.00} second lien as written in this binding document for deferring {$3600.00} is egregious and absurd. 

Thank you for reading my compliant. 

Respectfully XXXX XXXX
Product: Debt collection

XX/XX/2019 {$870.00} I've never done any business with this company. I never signed a contract with this company.
Product: Debt or credit management

I am filing this complaint against Lexington Law regarding deceptive practices which violated the Telemarketing Sales Rule ( TSR ) and caused me financial harm. I was misled by their marketing claims about their ability to repair my credit and remove negative items from my credit report. I also paid upfront fees for services that did not deliver the promised results.
Product: Credit reporting, credit repair services, or other personal consumer reports

The incorrect information that this company has on my credit report is hindering me from making moves and costing me thousands of dollars in interest every year. Incorrect personal information and unauthorized inquires. I sent letters on XX/XX/2021 it has been wayyyy past 60 days. To my understanding credit bureaus has 30 days to investigate disputes or they must DELETE the information being disputed. I have been patient long enough. I demand that these incorrect items on my credit report be removed ASAP!
Product: Credit reporting or other personal consumer reports

The reporting company just made modifications to my disputes without my consent I feel it is Unfair and Deceptive Practices The unauthorized modification of my dispute is an unfair and deceptive act that vi

olates 12 U.S.C. 5531 and 5536, which prohibit unfair, deceptive, or abusive acts and practices ( UDAAP ). This practice undermines consumer rights and prevents the fair resolution of credit disputes, warranting regulatory enforcement action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a fraudulent account reporting on my Transunion credit file. I have tried to have it rectified with Transunion and they are still reporting the fraudulent file of XXXX XXXX XXXX.
Product: Checking or savings account

My mother passed in XX/XX/year>. I am her daughter, executor and trustee. I went to US Bank in XX/XX/year> to open an account to pay her debts. I told them why I wanted to open an account and what I would be doing with it. Due to issues with a family member that I had given access to the account, I had to close the account and open a new one. I used the same branch with the same people that knew what I was doing. XX/XX/XXXX was the day I opened the new account. I had the trust fund transfer money to the account due to outstanding debt that I did not have enough to cover. The Trust fund transferred money twice. On XX/XX/XXXX, US Bank closed the account due to suspected fraud. I have talked to numerous people and been told they will help me but then I get ghosted. It was not until almost a month later that I was informed about the suspected fraud. By that time, I had gone home as my mother lived in another state. I have been to the US Bank office at XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX and spoken with XXXX XXXX. I have provided proof of who I am and the authority I have to use the money to pay my mother 's bills. I have been lied to and ignored with every interaction I have with this bank. There are bill collectors calling me and I can't pay them because US Bank is STILL holding over {$19000.00}. I have suffered a devastating loss and US Bank has no right to keep my mother 's money that I am legally entitled to use.