23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Rushmore loan management has been deducting {$400.00} to {$600.00} per month since XXXX. This amount is labeled as XXXX of equal to 2 months of real estate taxes and homeowners insurance. We have consistently paid these privately for the entire time. Our homeowners insurance is bundled with our XXXX with XXXXy insurance. We pay our real estate taxes the XXXX XXXX XXXX website via XXXX. We have even mailed a written request to stop this and to tell us what they are doing with the money. I did this in XXXX when I was unable after several attempts to reach them by phone. And again XXXX XXXX. At this time I provided documentation of all to a real estate lawyer. She was unable to get a response, and she is not a trial lawyer. Rushmore just sent me a letter stating that our XXXX  has a shortage and therefore our mortgage payments are increasing! This after I spoke with them in XXXX, they said they would correct and sent us a check for {$2000.00}. If you do the math, they owe us thousands!
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed an on line application for a credit card, bank with DISCOVER CARD, after reviewing additional requirements I couldn't met, I declined their products via phone call., On XX/XX/ DISCOVER BANK card co sent an email request for additional information for complete application processing, according to said request information must be provided no later than XXXX XXXX XXXX 

Discover Bank co disregard my request to promptly cancel my incomplete application resulting in wrongful HARD HIT on my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/24 I believed to be to be talking to a family member about buying a car on XXXX. They asked me to send them a refundable deposit of {$1500.00} so they could take it off the page and I could come see it and then if I did not like it I would get the money back. Well after talking a little longer and I had already sent the money I realized this was not my family member. They even asked me to send the full amount of money to them which made no sense because they had only asked for a deposit. They took advantage of me because they used my family members profile to make it look trustworthy. I contacted my bank Wells Fargo and they have declined my dispute even though I have never seen this car in person and never recieved anything for what I paid for.
Product: Credit reporting or other personal consumer reports

Fraudulent charges were made to the following accounts. The statue allows for multiple reinvestigation. 

Account name XXXXXXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX  Account number XXXX Account name XXXX XXXX Account number XXXX Account name XXXX XXXX  Account number XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX It is crucial that consumer reporting agencies uphold their grave responsibilities when it comes to the handling of consumers personal credit files. After performing a re-investigation upon my credit file for account XXXX XXXX XXXX XXXXXXXX pursuant to 15 USC 1681ia1a, your company failed to follow proper procedures in regard to correspondence to me the consumer, in the handling of the reinvestigation. As clearly outlined within, 15 USC 1681i ( 7 ) ; 15 U.S. Code 1681i - Procedure in case of disputed accuracy Subchapter 7 states the following ; ( 7 ) Description of reinvestigation procedure A consumer reporting agency shall provide to a consumer a detailed description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. Further outlined within 15 USC ( 6 ) ( B ) ( iii ) ; ( 6 ) Notice of results of reinvestigation ( A ) In general A consumer reporting agency shall provide written notice to a consumer of the results of a reinvestigation under this subsection not later than 5 business days after the completion of the reinvestigation, by mail or, if authorized by the consumer for that purpose, by other means available to the agency. ( iii ) a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available. The correspondence mentioned above was NEVER made to me and therefore, your company is in direct violation of the FCRA and is now liable for monetary damages detailed within 15 USC 1681n and 15 USC 1681o. Not only was a proper reinvestigation not performed as the derogatory account mentioned is erroneous to begin with, your agency failed to follow the FCRAs clear rules in the handling of correspondence to me in association with the account in question. Please delete this erroneous account as I have sought legal counsel in this matter and intend on seeking damages associated with this complaint if this issue is not resolved. Thank you for your time.
Product: Mortgage

XX/XX/XXXX Property Address : XXXX XXXX XXXX, XXXX, AL XXXX Loan Number : Last XXXX : XXXX Reference : CFPB Complaint ID - XXXX, XXXX Copy : XXXX XXXX, XXXX Bank of America XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington DC XXXX Subject XXXX XXXX to XXXX XXXX Dated XX/XX/XXXX. BofA Violated Our Rights By Conducting a Fraudulent Foreclosure Sale XXXX. Contrary to their claim, Countrywide Home Loans never sent us, and as such we never received, any XXXX XXXX. That is why the copies they have sent are unsigned. 

XXXX. We did receive the XXXX XXXX XXXX on or about XX/XX/XXXX. 

XXXX. On XX/XX/XXXX we informed BofA of XXXXXXXX XXXX XXXX in the property that would cost {$15000.00} to remove. 

XXXX. Because the widespread XXXXXXXX XXXX XXXX poses a serious health risk to us, we had no choice but to move out of the property. We asked for loan principal abatement and loan modification, so we can address the huge cost of removing the XXXX XXXX XXXX. We never heard anything back from BofA. ( See attachments ) XXXX. We never received the alleged letter that BofA is claiming they sent on XX/XX/XXXX that we are ineligible for the XXXX XXXX XXXX XXXX. 

XXXX. We never received any letter from BofA that they claim they sent on XX/XX/XXXX that no assistance is possible as the foreclosure sale date was less than 30 days. 

XXXX. We never received any notice or letter from BofA that they are going to hold a foreclosure sale on our property. 

XXXX. We never received any notification from BofA about our right to redeem the property at least 30 days before the foreclosure sale. 

The foreclosure sale BofA they conducted on XX/XX/XXXX was fraudulent. Additional explanations about this fraudulent foreclosure was provided in detail in our CFPB Complaint ID XXXX. 

XXXX XXXX XXXX
Product: Credit card or prepaid card

The Apple/GS Credit Card filed that I was over 60 days delinquent when in fact I was unable to make a payment due to inadequacies in their system. 

I purchased a new XXXX in XX/XX/XXXX and agreed to pay for it through the Apple/GS credit card. I was told at the time that I would receive statements via email, and the XXXX employees and I spent considerable time confirming my email address. When I received the physical card some weeks later there was no information on it, no account number, and more importantly, no telephone number for customer service. Several months went by before I finally received a letter from Apple/GS with a contact phone number. I called them immediately, and they walked me through the process of setting up the Wallet App and then provided me with detailed instructions for making payments by check through the mail. 

None of the information I received at the XXXX XXXX turned out to be correct. 
( 1 ) In order to function properly, your Apple ID must match your current email address. This was never conveyed to me until nearly 6 months later. This would make it impossible for Apple/GS to contact me electronically. 
( 2 ) Even with the proper email address, the Apple/GS card never produces a statement of any kind unless you specifically call customer support and ask for one. This appears to be a violation of Federal law. 
( 3 ) You are expected to use their App as the only mechanism for making payments which makes it impossible to set up any kind of payment schedule with your bank. As a victim of identity theft in XXXX I am rather reticent about sharing bank information with an App on my phone.
Product: Checking or savings account

we issued check # XXXX to our employee XXXX through our account at chase bank on XX/XX/2022. The check was deposited through a chase bank ATM machine on XX/XX/2022 through an account that does not belong to XXXX XXXX, Chase never should have negotiated the check. We filed a claim with chase bank check claim department on XX/XX/2022, they told us it would take thirty days to investigate the claim, on XX/XX/2022 we called chase, they said hey had not investigated, we asked them to credit our account for the {$1300.00}, they refused, it was there negligence that permitted this check to be cashed, they refuse to accept responsibility for their actions. They should not be allowed to hold our {$1300.00} hostage.
Product: Debt collection

XX/XX/2022 : Assestcare LLC furnished negative information on my credit report without first notifying me a the consumer violation 15 usc 1692 ( f ) A dispute was filed more than five times online with XXXX yet a proper investigation failed to happen until XX/XX/2022. 
XXXX : the first dispute was filed online report # XXXX My XXXX  score also decreased by XXXX points XXXX : ASSETCARE dispute was updated. improper investigation was made. Repport number XXXX the account remained on the credit report XX/XX/2022 ASSETCARE LLC re-aged and re-polluted my credit report by removing then resubmitting the same account. 
XX/XX/XXXX : account was once again re-aged and re-polluted as ASSETCARE flagged my account for collections, still denying me a proper investigation A letter went out on XXXX and again XXXX for a re-investigation request. At this time i also disputed this online but since XXXX has removed the disputes and their reports to remove their liablilty from this situation. 
On XX/XX/2022 Another dispute was updated. report number XXXX the date this dispute was filed is now missing or deleted. 
On XX/XX/2022 : another dispute was filed online report number XXXX On XX/XX/2022 the dispute was updated and remained on my consumer report. report number XXXX This was continued with many of the disputes missing or deleted. Report number on XX/XX/2022 XXXX is proof of that. 
Assetcare llc has private medical information which is rather embarssing against me and my minor child which they have attempted to use as a way of extortion unsigned affidavit included below In total this company has violated 33 of my rights which totals to {$85000.00} not including damages or distress.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a Complaint # XXXX, which is now closed ; however, Planet Home Lending has now reported me as delinquent to the XXXX  Credit. I only had a loan with them ( # XXXX ) for one month ( XX/XX/2019 XXXX and it was transferred to XXXX XXXX XXXX and I was not late on my payment. They are just trying to get back at me for filing a complaint with your organization. Can you please help me get my credit report back to good standing? Thank you.
Product: Vehicle loan or lease

Originally leased 2 different vehicles from Hyundai. At the lease end, decided to buy out the lease from Hyundai in order to keep the vehicles. I went to my financial institution to do the buyout. Once Hyundai Motor Finance received a check for the vehicles, they never provided bill of sale or odometer statements with the proper signatures from Hyundai Motor Finance in order to get the car re-titled. We contacted HMF a number of times - once in XXXX - twice in XXXX - four times in XXXX - Twice in XXXX ( in XXXX, the bank also contacted HMF to try and resolve the issue ) to have them send the proper paperwork. In all experiences except once, the forms arrived with no signature at all. When it did come, it had a partial electronic signature, which, again, would not be excepted by the state. At this point, every time we cann HMF, they politely put me on hold and promptly hang up! 

No matter how much ill will has been generated, we still need the proper paperwork from HMF to get the car titled. Can CFPB research this issue so that we can get some kind of movement. 

Thank you!
Product: Checking or savings account

We deposited two checks into our account at Chase ( account # XXXX ) on Wednesday XX/XX/XXXX. 

Both XXXX checks were drawn from account # XXXX ( XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX ( check numbers XXXX XXXX XXXXXXXX ). 

Both checks were debited from the XXXX XXXX XXXX account that same day ( Wednesday, XX/XX/XXXX ). 

On Monday the branch manager at Chase ( XXXX ) confirmed with XXXX XXXX XXXX that the funds had in fact been debited and thereby provided a " verification of funds ''. 

Chase refused to release the funds and we spoke several times to the Bank Manager XXXX and XXXX in business affairs. They blamed the Hold Dept. 

On Tuesday, XX/XX/XXXX I called Chase 's Hold Dept at ( XXXX ) XXXX and spoke to XXXX ( no last name ). 

XXXX was rude, condescending and blamed the bank manager XXXX for not having provided enough information on her email request to release the funds. 

He placed me on hold for approximately 30 minutes and ultimately hung up on me and never called me back. 

In total, Chase 's Hold Dept kept me on hold over two hours. 

They had no grounds to hold that money, as the verification of funds had occurred between XXXX ( XXXX XXXX  XXXX ) and XXXX  ( Chase Branch Manager ) on Monday. 

Furthermore, I advised XXXX that I had a screenshot which illustrated the day those two checks cleared the XXXX XXXX XXXX account from the XXXX XXXX XXXX website, which as mentioned earlier was XX/XX/XXXX. 

XXXX did not wish for me to provide him this evidence and seemed annoyed that I was asking him what government agency oversaw his department. Every person I spoke to at Chase said they had no idea what government agency oversaw that department. 

I'm on hold as I type this complaint with Chase and have been for 48 minutes. 
I'm simply asking them what agency oversees their department and the woman who answered the phone ( XXXX ) claims to be trying to find out that information from the " Executive Dept ''. She just came on and said they are not aware of any government agency that oversees their Dept and then hung up on me. 

To say this ordeal has been frustrating is a gross understatement. These kind of practices should be disallowed and this practice of holding funds when the funds have cleared is an abuse on the part of banks. 

We're tired of banks taking advantage and benefiting ( float ) from holding funds for no reason. We provided the verification of funds as was required and when I offered the screen shot to XXXX as further evidence he didn't want it. 

Thank you for your time, XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that 3 credit bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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 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: Credit reporting, credit repair services, or other personal consumer reports

In have a massive issue with Experian. They took no extra precautions when they allowed someone not only to access my account, but change ALL of the information regarding my account, EVEN the security questions. I believe on XX/XX/2023, I called and spoke to a person instead of an automated system, after a few weeks of trying. I talked to a male representative, who said he would escalate my case, send an inquiry about resetting my security questions, he had me make a pin, and everything .... just for me to try to see if I could retrieve my login information, and have it get sent to the Scammers email a week later. I went through a lot to try to get on the phone with someone just for them to waste my time and leave me vulnerable to getting scammed AGAIN. Experian makes it clear that they don't care about their customers, let alone their information. No wonder there was a lawsuit against them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed with Equifax, they partially corrected historical inaccuracies but the 'current balance ' / XXXX and/or XX/XX/2023 are showing incorrect. 

Account : XXXX XXXX XXXX XXXX
Product: Debt collection

I requested a debt verification to which they responded with the final move-out inspection. When I requested all of the inspections and why, they responded with the final move-out inspection again and a blank inspection form along with some invoices ( not actual receipts ) which we have been requesting from XXXX XXXX and they stopped responding to us. Fair Collections and Outsourcing is failing to provide the documentation that would prove that these damages we are being charged for were, in fact, reported to at least one of the other four property managers therefore, making these damages not our responsibility. The last response we received was also after the 30 day deadline. and they are now reporting this debt to my credit report, after failing to provide the necessary documentation for debt verification, after the deadline has passed and after notifying them of the passed deadline and that they would be acting against the law for reporting incorrect information, which they are.
Product: Mortgage

My loan payments were not applied on the correct date. MR COOPER need to apply my payments on payments date. They can not dictate when they apply my payments. 

Previously, mr cooper told me XX/XX/XXXX payment was applied XXXX XXXX XXXX  days late. 

XX/XX/XXXX will be applied on XX/XX/XXXX, more than XXXX days late. 

XX/XX/XXXX payment will be applied XX/XX/XXXX, more than XXXX days late. 

Thats holding my interest captive. Note : i did not ask mr cooper to apply my payments on ANY future dates.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be removed : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and so on.
Product: Credit card or prepaid card

XXXX XXXX is charging me late fees despite my having already made greater than minimum payments. 
On XX/XX/XXXX, I paid my XXXX balance ( including a late fee ) in a store. They wouldn't tell me the balance amount so paid an amount I knew would be greater than it ; I ended up paying {$78.00} more than my balance, therefore I had that amount to spend before owing anything to the account. 
On XX/XX/XXXX I made a {$56.00} purchase. I knew the overage in my account would pay for this. Yet on XX/XX/XXXX I was charged a late payment fee even though I had already paid XXXX this amount months earlier. In XX/XX/XXXX or XX/XX/XXXX, I was able to reach XXXX on the phone and explained that they had charged me an incorrect late fee, that I had paid what I owed months before the fact. I asked what happened to the {$78.00} I had overpaid. The associate said I had been mailed a check in XX/XX/XXXX ( reflected on older state as XX/XX/XXXX Credit balance refund + {$78.00}. ) I said I had never received such a check and that XXXX could not simply post a purchase to my account if I did not actually receive any products of funds. The XXXX people agreed : they refunded the XX/XX/XXXX late fee and they said they would send " another '' check for {$78.00} to account for the {$78.00} purchase they had taken out of my account on XX/XX/XXXX. I asked for a reference number I could refer to if I again received no check and needed to call back. The associate promised I would get a check and would not need to call back and refused to provide a reference number. They said I would receive the check in 6-8 weeks. 
Months later, I had still not received any check. 
On XX/XX/XXXX, I made a purchase at a XXXX store. My next payment due date for the card was XX/XX/XXXX, with {$27.00} minimum payment due. I did not pay this as I had already paid XXXX the {$78.00} on XX/XX/XXXX which they have to this day not applied to any of my purchases nor transferred into any bank accounts I own. On XX/XX/XXXX they charged me a late payment fee of {$27.00}. Of course I did not pay because I was not late, I had already paid enough to cover the minimum payment on XX/XX/XXXX. On XX/XX/XXXX they charged another late payment fee, this time for {$38.00}. Again I did not pay the fee because I had already paid in XX/XX/XXXX and that amount I had paid was more that the minimum payment would have been excluding the phony late fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is still on my report