23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC continue to abuse consumers in the mortgage market by practicing unfair, abusive, or deceptive lending and servicing practices. JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC failed to provide disclosures as required in XXXX XXXX XXXX a ) and the disbursement of money to the consumer XXXX copies of check or money wire transfer receipt for funds disbursed ) at closing. 

CFPB Laws and Regulations TILA " In XX/XX/XXXX, Regulation Z was amended to protect consumers in the mortgage market from unfair, abusive, or deceptive lending and servicing practices. Specifically, the change applied protections to a newly defined category of " higher-priced mortgage loans '' that includes virtually all closed-end subprime loans secured by a consumer 's principal dwelling. The revisions also applied new protections to mortgage loans secured by a dwelling regardless of loan price and required the delivery of early disclosures for more types of transactions. The revisions also banned several advertising practices deemed deceptive or misleading. '' Refinancing - Section XXXX ( a ) Refinancing - Section XXXX XXXX a ) - " When an obligation is satisfied and replaced by a new obligation to the original financial institution ( or a holder or servicer of the original obligation ) and is undertaken by the same consumer, it must be treated as a refinancing for which a complete set of new disclosures must be furnished. A refinancing XXXX involve the consolidation of several existing obligations, disbursement of new money to the consumers, or the rescheduling of payments under an existing obligation. In any form, the new obligation must completely replace the earlier XXXX to be considered a refinancing under the regulation. The finance charge on the new disclosure must include any unearned portion of the old finance charge that is not credited to the existing obligation. '' ( XXXX ( a ) ). 

Per the XXXX, JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC violated the regulations set forth in XXXX XXXX XXXX a ) of this Act in respect to the refinancing of the subject property. The consumer that resides at the subject property was never provided a complete set of disclosure documents by the XXXX, the consumer was not a recipient of the documentation that evidenced the disbursement of funds related to the refinance and the consumer was not present at the closing of refinance. The revisions of XXXX XXXX have banned unfair, abusive and deceptive lending and servicing practices ; however, furthering its predatory lending and servicing practices, JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC Filed a Complaint for the Foreclosure of Mortgage and has now rescheduled the foreclosure sale of the subject property for XX/XX/XXXX. 

JPMorgan Chase Bank , N.A . and Chase Home Finance , LLC 's predatory lending and servicing practices should be investigated by the FBI Mortgage Fraud Unit and the Bank and its affiliate should face significant civil penalties.
Product: Credit reporting or other personal consumer reports

Of course, here 's a combined version that includes both the extended information about various businesses and the edits you requested : -- - XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX I'd like to bring to your attention a recurring issue I've encountered with multiple businesses, including XXXX XXXX, XXXX, XXXX, and XXXX. These businesses all process payments via ACH direct debit, using my bank accounts at XXXX, XXXX, and XXXX XXXX. 

The common problem I've experienced with these businesses is as follows : I am initially alerted that the payment has been received successfully. However, I never receive any notification when a subsequent payment is returned due to insufficient funds. Strangely, when these businesses attempt the payment again, it often goes through successfully, even though there have been no changes to my account balance. It appears that there were sufficient funds all along. 

Curiously, neither my banks nor the businesses in question alert me or document the return or retry payment. This lack of communication goes unnoticed, resulting in fees being charged. Due to delays in billing and a lack of timely notifications, I was unable to verify whether the NSF ( Non-Sufficient Funds ) return was indeed valid. 

This recurring issue has had a significant impact on my financial situation, and I believe it's crucial to address and rectify these problems with multiple businesses. 

I'd also like to inquire about the appropriate steps and authorities to report these issues to, as I am seeking assistance in resolving this matter and preventing such incidents from occurring in the future. Your guidance and support would be greatly appreciated. 

XXXX has reported late payments on months that a had deferment agreement and on months were a loan payoff was being processed. My account was left as late and the last payment is undocumented. Marking closed and paid still leaves this account negatively closed and dose not explain that I satisfied the loan. I understand that months late will stay on my record but there are more then half that should not be marked.
Product: Credit reporting or other personal consumer reports

The company has false records, and claims I never tried to fix the car thats as sold to me, also the company claims that referring to me with a total different name is just a typo, their claims are not credible if they have typos not misspelling my name but referring to me with a whole different name, I have tried to settle this with the company and they refuse to help in any way. I called them and told them I wanted to remove that off my credit, and with the law and statues of limitations in California it should be off of my credit with in 7 years anyways and they said no that it is going to stay in my credit forever, all of their claims are false and misleading, I demand for them to take this off of my credit as soon as possible, it is illegal what they are doing and unethical, I already reported this to the state attorneys office as well and I will not stop till they take this off my credit, the way they act is as they always want to attack instead of helping their customers I have had a very bad stressful time because of them, I have been doing my research and I am not the first one to go through this with them, they practice this all the time. The records they have are false and their claims of them referring to me with a different name and gender as just a typo is unethical, and not professional, what ever is in their best interest they claim is just an error but everything else is not? How is that possible? They also updated a closed account balance as retaliation since I started my disputes. This is not professional.
Product: Credit card or prepaid card

Around a month ago, I called Bank of America through the app. During such a call, I asked to transfer refund on my credit card to my checking account. The representative at the time said it was not possible. However, sending a check was possible. 2-3 weeks later, I call back. This second call, the guy said it was possible to transfer between account and it was faster. Since it was this late, to wait one more day to see if the check arrived. Did not arrived. Third call, I ask to place a stop on the check and ask to start the transfer. They agree. Some times later, I found out they send out another check instead of initializing the transfer between my account. The amount of time I called for this mistake to occur mean I'm either unlucky, Bank of America has really bad customer service, or Bank of America facilitate keeping money in their arsenal for as long as possible. It's really feel terrible to not have cash to pay for a promise just cause of something entirely out of my control. I guess if you're poor, you should avoid credit cause 1-3 percent cash back is not worth it. Credit score being as big as it is kinda XXXX.
Product: Debt collection

Received a call from XXXX XXXX XXXX employed with Transworld Systems Inc . Stated this is a debt. collection agency left XXXX numbers. XXXX and XXXX. Be advised my ID was compromised many years ago by unknown actors. There is a great deal of misinformation and fraud base in the past. I have been unable to address these criminal actors for yrs. for no person group or agency will present me with the correct information.
Product: Credit card or prepaid card

I was traveling overseas in XXXX at the beginning of XXXX. I went to purchase a table at a nightclub called XXXX and was shown and agreed on a table for XXXX . I provided my credit card. When my time of the reservation came ( XXXX ) I went to the front desk to meet the host and was told that because I was only 1 person they did not want to give me the space that was originally agreed because they had other larger groups that needed the space. They told me I would be sitting in the bank corner of the club. I told them the new location was not acceptable to me, and if they didn't want to sit me where we agreed, to give me my card back and I would go buy a table at a different club. They said that they already had my card and I did not have a choice, that I was going to pay them either way. When I said I did not want that table and would not sign the receipt, I was surrounded by at least 5 bouncers, and was told that it would not end well for me if I did not sign the receipt. Since I was forced to sign, I signed the receipt as " FRAUD '' as I knew I would be calling the credit card company right after. I NEVER drank one sip of the alcohol, or sat at the table for 1 second. I called Chase right as I left the club to let them know what happened, and was told I had to wait 3 business days to file the dispute, which I did on XX/XX/XXXX. This was a classic bait and switch by the merchant, was 100 % fraud, and people need to be warned that Chase does not honor their fraud protection promise and everyone should look to get a card from a different issuer, like XXXX XXXX XXXX. Especially if you spend a lot of money. Other Banks will stand behind their guarantees for good customers.
Product: Credit reporting, credit repair services, or other personal consumer reports

Bank of America has put suspected fraud activity on my credit report and i believe its stopping me from opening a checking account ANYWHERE. I spoke with them around XX/XX/XXXX the date of account closure and the lady gave me a hard time so I stopped reaching out. They gave me an original charge off amount of {$32.00}. I cant get an account anywhere and Im quite frustrated with them because I havent been involved in any type of fraud. I also have account abuse ; any amounts owed have been paid for XXXX XXXX. The date of closure was XX/XX/XXXX. Ive paid the balance in full so I would like that off of my report.
Product: Credit card

Synchrony Bank closed a total of 5 accounts. None of these accounts have ever been over 30 days past due. In addition, I previously filed a CFPB complaint regarding Synchrony closing my Lowes Account that I had over 18 years. 

For the Lowes Account ending in XXXX, Synchrony Bank sent me an electronic letter stating that they made a decision to close my Lowes account due to various reasons. I have been a Lowes customer for over 18 years and make monthly payments. In addition, I have other cards with Synchrony Bank that I pay monthly. I have not had to make any payment arrangements with the creditor on any of the cards. I do not have mortgage on my credit report because I inherited a home and 15 acres that is paid in full. Over the past year, Synchrony continued to reduce my limit, causing several over the limit to occur. I continued to pay monthly. In addition, I was not provided with any notification that this would be considered after being a long standing customer with Lowes. I am asking that Synchrony either reopen my account or agree to a 30 % Settlement due to the tarnished relationship that they have caused. I would also like a letter of apology due the embarrassment that this has caused over the past year of having to contact them several times to mitigate the issue of them repeatedly locking my card in which I provided proof that it was in fact me making the purchases. Also, due to them closing my account, they have not only impacted my credit score, but the 4 authorized users as well. Remove them from this account. I can be reached at XXXX. 

In addition to my Lowes Account, Synchrony also closed the following accounts : Sams Club - Account Ending XXXX Closed XX/XX/2024 by Synchrony - Reason : No reason provided. No letter received XXXX - Account Ending XXXX Closed XX/XX/2024 by Synchrony - Reason : Activity on account ( s ) with Synchrony Banks indicative of high risk or failure to pay Care Credit - Account Ending in XXXX Closed XX/XX/2024 by Synchrony - Reason : Activity on account ( s ) with Synchrony Banks indicative of high risk or failure to pay Ashley Furniture - Account Ending in XXXX Closed XX/XX/2024 by Synchrony - Reason : Activity on account ( s ) with Synchrony Banks indicative of high risk or failure to pay Synchrony has tarnished my credit bureau reports and ability to now purchase a home! They need to update my credit report to reflect paid with a {$0.00} balance owed and adjust all balances to {$0.00} due to the severe damages to my credit report that they have caused.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  is reporting a charge off account on my credit with a past due balance which is a violation of the FCRA. That is an inaccuracy and needs deleted. 

I reached out to XXXX XXXX and they suggested I contact someone else, which is another inaccuracy since they are the ones reporting it.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 

XXXX XXXX XXXX XXXX Opened XX/XX/XXXX Balance {$49000.00}, XXXX XXXX XXXX Date opened XX/XX/XXXX Balance {$0.00}, XXXXXXXX XXXX XXXXXXXX Opened XXXX XXXX, XXXX Balance {$2600.00}, XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX  ) XXXX Date opened XX/XX/XXXX Balance {$830.00}, and XXXX XXXX XXXX ( Original creditor : XXXX XXXX XXXX XXXX. ) XXXX Date opened XX/XX/XXXX XXXX {$770.00}. 

If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each account is 100 % true, accurate, correct, complete & VERIFIABLE ). If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX To Whom This May Concern, Account : XXXX Dated Open : XX/XX/XXXX Requested to be Closed in XX/XX/XXXX Hope your day is well. I have a late payment on my credit report from XXXX XXXX XXXX XXXX. This Account was already paid off and is closed but its reporting on my credit report as a late payment. I need this incorrect information that needs to be deleted from all my credit reports. I was suppose to get a letter since XX/XX/XXXX from XXXX XXXX XXXX XXXX stating that this account is closed and never had a late payment. My statement never came to my house on file and I never received the letter.
Product: Checking or savings account

I deposited money into my Charles Swab account and a couple days later they locked me out and told me to go to the bank I went to the bank and they couldn't help me they told me to call the money management department and when I called them they told me my money was moved to a safe deposit and I would have to verify my identity and I went through that process and told I passed it and I should be getting my money back uploaded to my card but It never did. It's been a whole year and nothing has came up no one called me. The person that I was talking to on the phone from the money management department told me not to go back to the bank and that everything would be solved. This was a very frustrating experience and I just don't understand why they held my money and never gave it back.
Product: Checking or savings account

Reported as Harassment and Theft, Police Report XXXX Bank of America seems to have a habit of not giving me my money back, even after the vendor has issued a refund. I feel harassed. I am showing charges for XXXX for {$47.00} each on XX/XX/2022 and XX/XX/2022. I was contacted immediately by Bank of America to confirm that the charges, which were made on the same night, were valid. In fact, they froze my card until I confirmed the 2nd transaction via text. However, when I was unsatisfied with the product and asked the vendor for a refund, the vendor promptly responded by approving 2 refunds of {$47.00} on XX/XX/2022. However, as of XX/XX/2022, Bank of America still has not refunded that second refund of {$47.00}. In fact, when I called to ask about it and dispute it today, XXXX ( approx 10 days after the vendor issued the refund ), I was told that it could take up to 10 business days for Bank of America to process my refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I sent a dispute letter to Experian about a account that is inaccurate, I have yet to get a response from them as of XX/XX/2022
Product: Debt collection

I recieved notification that I had collections for an electric bill in texas with XXXX XXXX Phone # XXXX ( XXXX ) XXXX The report came from Transworld Systems Inc XXXX # XXXX The electric company is located in Texas. I live in Washington and have for several years The collections company sent my bill to my washington residence. Once I contacted them and pointed out the difference in states, they immediately told me to report as fraud and informed me that they would remove from my report. It has been several months and I have called multiple times with no resolutions. I've also called the electric company and they can confirm that it was fraud but nobody has taken the steps to remove me from the debt. Both companies today have told me to make a report with this website
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX This is your final notice Wilfully ignoring consumer law without providing information that says this reporting is accurate and under the guidelines of my consent. 

Note that your company gave false information to refuse doing a proper investigation and now your claims is that you don't have a relationship with the source that stole my identity. 

I'm putting Equifax on notice that you haven't provided any information with my request. This will now be turned over to legal representation. 

If you followed the law how it's written and not how you feel I wouldn't be seeking legal damages. You did this to yourself. 

EQUIFAX IF YOU REVIEW ALL THIS INFORMATION AND STILL BELIEVE ITS ACCEPTABLE TO REPORT THIS INQUIRY YOU'LL BE COUNTED AS LIABLE ALSO
Product: Payday loan, title loan, or personal loan

I got a email about a loan in the amount of XXXX from this company so I called and they wanted me to allow them to deposit money in my account then to send it back by XXXX they wanted my login names and passwords to my checking account I declined the loan because it just doesn't set right with me allowing to send money then they want me to send it back
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm not sure if this is the lender 's fault or XXXX XXXX, but between XXXX XX/XX/15 Dept. of ED / NelNet account was removed, then My balance increased. This has always been an open account and it's been paused do the pandemic. All I know is it caused me XXXX points on my credit report. I want my score fixed, I've been working too hard to rebuild my credit and all of sudden someone made a mistake and caused me XXXX. That's not fair nor right, there should have never been an adjustment made. Should have never touched the account. Also I've tried calling NelNet and it keeps ringing. I can't get ahold of no one.
Product: Credit card or prepaid card

We previously submitted a complaint because someone fraudulently used our gift card before we opened it from the original packaging. COMPLAINT ID XXXX submitted on XX/XX/XXXX. 
The company responded that we didnt comply with the 60 day notice period. They did not investigate who used the card. Our card was canceled and we didnt get the money back. How are we supposed to be aware that the card was fraudulently used back in XX/XX/XXXX when the first time we used it was in XX/XX/XXXX. Therefore, we can not comply with the 60 days notice period if no one notified us that the card was used. And they have not identified who fraudulently used the card back in XXXX. We believe it was someone inside the company who had access to our card information who fraudulently used the card. We need our money back.
Product: Debt collection

I was billed by XXXXXXXX XXXX XXXX on XX/XX/XXXX for {$3900.00} for an emergency ambulance ride I received on XX/XX/XXXX. XXXX XXXX XXXX billed the wrong insurance company. They billed XXXX XXXX, which I was not insured with at the time, instead of XXXX XXXX where I was actively covered. I was unaware that they did not have my correct insurance on file, until I received a collection notice from Grant Mercile Debt Collector in the amount of {$4400.00}. I've attempted to contact all parties : XXXX XXXX XXXX, Grant Mercile, and filed claims and appeals with XXXX XXXX multiple times with no resolve. This collection is now negatively impacting my credit, due to a bill I do not owe. The ambulance company billed the wrong insurance, resulting in a collection on my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

They violated my right under 15 u.s.c. 1681 section 604 a section 2 : the law clearly states a consumer reporting agency can not furnish a account without my written instructions.

i have not given these accounts written permission to furnish these accounts on my credit report.

In the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on It ) you have on file of the accounts listed. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove this collection. I demand the following accounts be verified or removed immediately from my Experian, XXXX and XXXX credit report. 


XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX MI XXXX {$8600.00} XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX tx XXXX ( XXXX ) XXXX {$1600.00} XXXXXXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX XXXX {$350.00} XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX ny XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX, wa XXXX XXXX {$1900.00} hard inquiry XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX