23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My lender ( Chase bank ) does not refund money, which is deducted wrongfully from escrow account. 

I paid my property tax by myself, {$7500.00}, on XX/XX/2011. 
( refer to XXXX ) Then, my lender ( Chase bank ) also deducted {$7500.00} on XX/XX/2011 for the same property tax payment from my escrow account. 
( refer to XXXX XXXX ( ... XXXX ) - chase.com_activity.pdf ) So, I asked the county about the duplicate payment but the county replied that it never received the payment from the lender. 
( refer to XXXX - XXXX the tax was paid twice ( parcel XXXX ) I have contacted the lender multiple times for the incident and requested refund for the missing check/payment because the county did not received it. However, the lender kept opening cases whenever I called and made me wait weeks after weeks. I escalated the issue and requested a talk with a supervisor but he/she did not call back. The money has not been refunded yet after XXXX months.
Product: Bank account or service

Hello, I have signed up for a Citibank promotion to recieve XXXX XXXX miles for opening a Citigold account and fulfill their requirements. After doing so and receiving confirmation twice from Citibank, they refused to honor their promotion and I have not received my promotional miles. This is false advertising and dishonorable practice to the consumer who legally fulfilled everything they asked. I have documentation of everything.
Product: Credit reporting, credit repair services, or other personal consumer reports

In the 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. XXXX  account number # XXXX has violated my rights. 
15 USC 1681, Section 602A. States I have the right to privacy. 15 USC 1681, Section 604A, Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC, 1681 C. ( a ) ( 5 ) Section states. No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 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 reporting, credit repair services, or other personal consumer reports

I requested an investigation into the following unknown and unauthorized credit inquiries listed on my Equifax credit report, yet they remain in direct willful and continual violation of the FCRA ( Fair Credit Reporting Act ). 

1 ) XXXX XXXX on XXXX/XXXX/XXXX 2 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX 3 ) XXXX XXXX on XXXX/XXXX/XXXX 4 ) XXXX XXXX XXXX on XXXX/XXXX/XXXX Under the FCRA Section 604, please provide the following information : 1 ) Permissable Purpose 2 ) Proof that the consumer initiated the unauthorized inquiry 3 ) Written Authorization Failure to provide the above requested items as evidence that I authorized these inquiries is sufficient grounds for removal of the inquiries from my Equifax credit report. 

Thank You For Your Time.
Product: Debt collection

Subject : Complaint against NCB MANAGEMENT SERVICES for Violations of Consumer Financial Protection Laws To Whom It May Concern, I am writing to file a formal complaint against NCB MANAGEMENT SERVICES for multiple violations of consumer financial protection laws, specifically as outlined below : XXXX. Failure to Provide Validation Information ( 12 CFR 1006.34 ( b ) ( 5 ) ) : NCB MANAGEMENT SERVICES has placed a collection account on my consumer report without providing any validation information as required under 12 CFR 1006.34 ( b ) ( 5 ). I have not received any documentation or verification of the debt, despite it negatively impacting my credit report. 
2. Denial of Dispute Opportunity ( 12 CFR 1006.34 ( c ) ( 4 ) ( i ) ) : I have not been afforded the opportunity to dispute the account in question, as mandated by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). NCB MANAGEMENT SERVICES failed to notify me of my right to dispute the debt and has not responded to my requests for verification.

3. Use of False, Misleading, and Deceptive Means : NCB MANAGEMENT SERVICES has engaged in practices that are false, misleading, and deceptive in attempting to collect this debt. They have provided no substantiation of the debt 's validity and continue to report it inaccurately to consumer reporting agencies.

4. Unauthorized Reporting to Consumer Reporting Agencies ( 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ) ) : NCB MANAGEMENT SERVICES has furnished information about this account to consumer reporting agencies without providing required disclosures under 12 CFR 1006.34 ( d ) and 15 USC 1681s-2 ( 7 ) ( A ). This action is in clear violation of federal law governing the accurate reporting of consumer credit information.

I request that the Consumer Financial Protection Bureau investigate these violations and take appropriate action against NCB MANAGEMENT SERVICES. I am seeking resolution of this matter, including but not limited to : * Verification of the debt in question and its removal from my credit report if not substantiated.

* Correction of any inaccuracies in reporting to consumer reporting agencies.

* Any other relief deemed necessary to rectify the harm caused by NCB MANAGEMENT SERVICES ' actions.

Thank you for your prompt attention to this matter. Please contact me if further information is needed.

Sincerely,
Product: Debt or credit management

XXXX SEPARATE ISSUES. 
XXXX ) I filed a complaint in the past about this XXXX XXXX XXXX. who refused to send me the information I requested and after CFPB contacted them, all they did was email a ton of papers which I would need a legal team to sort through it and they did not resolve my issue. They told you guys they fixed it and you guys said it's fixed without my approval. 
That would be exactly like me saying they stole XXXX dollars from me and they replied and say " no we didn't '' and you guys email me and say no they didn't - problem fixed. 
XXXX ) About a week ago XXXX XXXX XXXX. told me they can text me up dates if I would like. I said no advertising, they said no advertising. I verbally gave them my number. Then I find out it's a big scam they make money by having a fee tact on your phone bill for every text. I asked them to remove my phone number and replace it with only my landline number so that they can't text. They refused and said I have to mail in a written paper to ask them to remove my other number. Now how come they can take my number VERBALLY and put me on their text list but can not remove it verbally, but I have to now write a letter. 
XXXX ) Because of the hardship I'm enduring because of the XXXX XXXX XXXX XXXX XXXX, I asked XXXX XXXX XXXX if I am able to get some kind of ( deferment or forbearance ) which ever is the XXXX that puts XXXX months of payments at the end of the loan. They said sure, but they would only give me XXXX  months of no payments THEN they will decide if I have to pay all XXXX months ( which would be around XXXX for me ) if they decide. So another words, they are trying to trick me like they did XXXX years ago saying I could get a loan mod then tried to foreclose on my house ( which is the whole reason CFPB became about ) Another words, then in XXXX  months I will have to hire an attorney and file for bankruptcy all over again. Same stuff they did before. 
XXXX ) About XXXX years ago after leaving me no choice but to hire an attorney and file bankruptcy even though I had a perfect XXXX XXXX of XXXX, my attorney had me go through the bankruptcy and got me a modified loan. Ever since, I never missed a payment or was late and none of the mortgage servicers, including XXXX XXXX XXXX has ever provide my on time XXXX  year perfect payments to the credit bureaus and because of that they have ruined credit and my life and I now only have " XXXX  '' credit. Not bad credit. I never had any debts, just " XXXX  '' credit which is actually worst than bad credit. I can not get any credit because they refuse to report my perfect loan payments to the credit bureaus. I'm sure if I missed payments they would have reported it. 

They are consistently trying to scam and take advantage of their customers and steal their homes.
Product: Checking or savings account

I was contacted by what a I thought was Paypal about a charge by a hacker of a payment of {$1200.00} that was made on my Paypal account. I did not have a Paypal account, but Paypal told me that the hacker had creacted one in my name. I was sent to a page to claim a refund and this page contained the bank information to for the refund. This is where Paypal ( the real hacker ) to withdraw {$27000.00} from my account.
Product: Checking or savings account

Complaint : Associated Bank has failed to pay out a {$600.00} promotional bank bonus to me within 120 days for opening a new checking account. 
XXXX XXXX Details : Account was opened in person by banker XXXX XXXX at a XXXX XXXX branch on XX/XX/23. I have emailed her several times since XX/XX/XXXX requesting her help to solve the delay/ no-pay problem and she has had no success and is unable or unwilling to give me names/contacts within the bank who have authority to escalate and render a solution. She says the matter is fixed, yet I wait, the bank remains silent and does not pay the bonus. I sense the bank is simply stonewalling.I have fulfilled the XXXX XXXX XXXX of the promotion to qualify for the {$600.00} level bonus and desire for this bank to fulfill their legal obligation to pay the bonus timely and without further delay. This request is reasonable. 

My wife is also in the same situation with her Associated checking account and will file a separate complaint with same facts, as our accounts were opened at the same time.
Product: Debt collection

On XXXX I submitted a check through Navy Federal online banking. 

On XXXX Navy Federal garnished {$2800.00} from the {$4000.00} check that I submitted on XXXX before the funds were even available to me. 

On XXXX I called navy federal and spoke to XXXX XXXX and explained to her that I have not received any notification about the {$2800.00} debt that I owed to them and she proceeded to argue with me about how dont I know. I also explained to her that I was more than willing to make payments on this debt and if she could please reverse the payment, as covid has caused my family extremely financial hardship and the one vehicle that we own is broke down and I havent been able to work due to it and myself and my family were counting on this check to help with our struggles. I explain to XXXX XXXX that I have not received any phone calls or mail about the debt nor did I receive anything saying that they were going to take money from my bank account that myself and my family were so desperately in need of. All she would say is that they have been sending mail since XXXX of 2020 when I have only live at my address since XXXX of 2020. XXXX XXXX was very rude and even after explaining my situation and that this would cause my family financial hardship she was very unforgiving and not willing to work with me and threatened me that I also have another debt that if I dont start paying on that they would take money for that as well. She also bashed me in my face that I have a paycheck coming in from my VA benefits and that they didnt take all my money. XXXX XXXX also proceeded to try and argue with me about the situation when I simply was counting on her to help me. 

I have been paying back all the debt I owe to banks and was more than willing to pay back this debt as well, but due to no notifications from them to me about the debt or the fact that they were going to take money from my account I had no idea that the money for the debt was due since they charged it off as bad credit-profit loss. 

I would like to know if there is anything that could be done to reverse this transaction or anything that could be done? My wife is out of work due to covid and my wife and to very young children rely on me as the supplier. My only working vehicle went down last week and I havent been able to work either since then and have had to use vacation time. we desperately counted on this money to get it back working since my motor went bad. 

Thank you.
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 XXXXXXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 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 reporting, credit repair services, or other personal consumer reports

I took a look at my consumer report recently and I was extremely puzzled which caused anxiety upon me. In accordance with the Fair Credit Reporting Act EXPERIAN, XXXX and XXXX has violated my rights. 
-15 USC 1681 ( a ) ( 4 ) : states that I have a right to privacy as a federally protected consumer. -15 USC 1681b ( 2 ) : states that a consumer reporting agency can not furnish an account without my written consent or oral instruction.

-15 USC 1681 ( a ) ( 3 ) : it is an obligation not an option, that any consumer reporting agency exercises their grave responsibility with fairness, impartiality and respect for my right to privacy -15 USC 1681 ( b ) my consumer report is not equitable to me because of the unlawful negatively furnished accounts. Here are the errors as follows : XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXX. XXXXXXXX XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX XXXXINQUIRY- XXXX  XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX  DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY : XXXX XXXX DATE : XX/XX/XXXX XXXX. INQUIRY- XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX DATE OPENED : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX  OPEN DATE : XX/XX/XXXX XXXX. XXXX XXXX XXXX OPEN DATE : XX/XX/XXXXXXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is so annoying & frustrating. Ive sent to 3 Credit Bureaus multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In 3 Credit Bureaus ' responses make the claim that has not initiated any disputes on my behalf due to the fraudulent or high-risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it was deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that have been damaged. List of items that are UNKNOWN to me : XXXX XXXX ; XXXX XXXX  XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS NOT A DUPLICATE COMPLAINT I have a student loan with XXXX XXXX but XXXX is the servicer. I applied for a forbearance in XX/XX/2020 and it was granted by the Note holder XXXX XXXX but XXXX continues to report it late. I have all my e-mails and documents showing this but XXXX and the credit bureaus have not corrected my credit report.
Product: Credit card or prepaid card

This complaint is regarding a Home Depot Card. The account was used in XX/XX/2018, and I was billed a balance of {$100.00}. The payment was due XX/XX/2018 and was paid in full on XX/XX/XXXX. I just received my new billing statement which closed on XX/XX/XXXX. The purchases total {$110.00} and there is an interest charge of {$2.00}. The card is managed by Citibank. I contacted customer service via an online chat and was told by " XXXX in Idaho '' that even if I pay my bill in full, that I will continue to see interest charges until I have made two consecutive payments of my balance in full. She states the interest is compounded daily. I pay my bill online and there is an option for payment that reads : " Amount to avoid interest on next statement '', and that is the amount I paid.
Product: Checking or savings account

Bank of America owes me money for overpayment. I have waited on the off chance they would not be as shady as they have been in the past and refund on their own. But unfortunately, they are true to their nature.
In Bank of Americas on written words, in their response to CFPB of a recent complaint I filed through CFPB the following statements were made : This account was closed by the bank, with an outstanding balance due of {$290.00} on XX/XX/XXXX.
They also stated and a quote : On XX/XX/XXXX, Bank of America exercised its Right of Setoff by using the {$25.00} balance recovered from your savings account ending in XXXX and the {$100.00} balance recovered from your checking account ending in XXXX, to offset part of the {$290.00} outstanding balance on your MyAccess Checking account ending in XXXX. The outstanding balance remaining on this account is {$160.00}.
Another lie from Bank of America, as stated in their own written words : We have confirmed that as of the date of this letter, your checking account ending in XXXX was accurately reported to XXXX XXXX The date of the letter was XX/XX/XXXX On XX/XX/XXXX, the balance Bank of America reported to XXXX XXXX was paid in full in the amount of {$290.00}, as reported by XXXX XXXX. Yet in Bank of Americas on written words the balance was {$160.00}. Bank of America owes me {$120.00} for an over payment of the account as Bank of America reported to CFPB and to XXXX XXXX.
Proof of Payment to XXXX XXXX with deliver confirmation attached.
Product: Mortgage

PHH MORTGAGE COMPANY MY Father died with a Reverse Mortgage ( PHH Mortgage Company ) on the home.. We requested a payoff in XXXX the pay off was XXXX We sold the loan in XX/XX/2022 and the payoff is now XXXX. The statement says Corporate Advance of XXXX. I would like to forward the document for review. My name is XXXX XXXX XXXX, my father is the late XXXX XXXX. My email address is XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX  They said I had a payment that was late on XXXX I called them they remove the balance because I was never late, but it still has a late payment which I never owed in XXXX  child support. Do not report to credit. Please delete this account. They keep adding negativity things to my credit. Thats not true. Please delete this I dont owe them anything, and this is not a account never borrow money from them never
Product: Mortgage

Modification paperwork was submitted, and we were told not to make payments during the modification process. We submitted documentation for the loan modification at least three times. XX/XX/XXXX, we received notice asking for two most recent pay stubs and YTD income for each job. On XX/XX/2014 we received notice from Ocwen that pay stubs for borrower one were not legible. The letter also indicated that a complete package for the modification must be received by XX/XX/2014, or a new loan modification would need to be submitted. XX/XX/XXXX, XXXX, and XXXX 2014 we received to notices requesting us to submit borrower 's one pay stubs. The pay stubs including all paperwork was submitted again. XX/XX/2014, we received a letter from Ocwen stating that the application was accepted. If more documentation would be needed, we would be notified in 5 days. XX/XX/2014, we received another letter stating that the application had been received. We would be notified within 5 days if more documentation would be needed. XX/XX/2014 foreclosure documents were delivered by the county sheriff 's department. We were given 7 days to vacate because the home was foreclosed.