23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Flagstar Bank has violated the terms of the settlement with CFPB. I have not been turned over to another servicer. I have an FHA mortgage with Flagstar, and tried to get a DEED IN LIEU and FHA moving expenses approved, but Flagstar ignored my request repeatedly. We winded up moving out of the home and into an apartment for one year. Because of the refusal to advise and/or work with us, I filed a Chapter XXXX Bankruptcy. Home was discharged XXXX of XXXX. Flagstar Bank kept sending the normal letters of " HOW TO SAVE YOUR HOME FROM FORECLOSURE '' - with no mention of the discharge or anything. Finally - I have been given 90 days to pay the loan proceeds that are in default of {$480000.00}. Meanwhile the house is underwater and already discharged. 
I believe Flagstar Bank is going to recoup their " losses '' from FHA - since it 's an FHA loan. Flagstar Bank has also been the XXXX paying the taxes and insurance on the home as well. The entire 987 days I have been in default - Flagstar Bank has been paying the taxes and insurance. But completely IGNORED the Deed in Lieu - telling me over and over again ( falsely ) that my submissions were incomplete. Making me do a complete Financial overview process instead of accepting my Deed in Lieu offer. 
They have not started foreclosure as of yet - I only have a letter that I am at risk of losing home and to pay XXXX by XXXX XXXX XXXX to clear the default. I believe because I have an FHA mortgage, they know that any default they will be reimbursed by FHA. I also have a XXXX mortgage and Deed, with " XXXX '' listed as the investor.
Product: Prepaid card

I went to get gas and the card declined so I was never able to get gas at all. I called the card company and they could not find a reason as to why it declined but proceeded to tell me telhey will be holding all of the money I have on the card. It 's been 9 days and they still have n't released my money. Not only that but they said it would be another 5 days before it is released. This has caused a huge problem and is a huge inconvenience.
Product: Checking or savings account

On XX/XX/2020 I transferred all the funds from my account out of the account and asked the bank to close my account. I discovered 2 months later the account was not closed and had accrued fees on the account so that I had a negative balance. I called on XX/XX/2020 and asked for the account to be closed and the fees to be refunded. I was told that would be taken care of. I saw my account has the fees refunded and assumed it was taken care of. 

Two months later I have since discovered for a 3rd time the account was not closed and the account has still racked up fees. I am unable to call them as their wait time is in excess of 30min and there does not appear to be an easy way to email the bank. 

The bank is continuing to charge me fees.
Product: Checking or savings account

On Thursday X/XX/17 I made an ATM deposit in the amount of {$5300.00} it was a refund from California Franchise Tax Board made out to myself and my husband. We both endorsed it on the back along with Deposit Only and account number. My husband is not on this particular account however, other similar checks have always been accepted by my bank. The next day Friday X/XX/17 the funds were reversed out of my account with no warning or explanation. I went to the bank on Monday X/XX/17 spoke with branch manager XXXX, she had one of the tellers make a copy of my check as it was still physically at the bank, she then made a call and informed me " they '' would be sending a notification and check to me and when I receive it I should bring it in to the bank and she would negotiate with " them ''. I asked if there was any way we could resolve the issue sooner and she told me I would need to wait until " they '' mailed me the notification and check and I should receive it today or tomorrow in the mail. I offered to have my husband come in to the bank and clarify if necessary she replied. " Oh we ca n't talk with him! On Tuesday after the mail had arrived I called her to see if it was possible for her to contact someone and expedite the process again she said I would have to wait until I received the notification and check in the mail as " they '' sent it out. I asked her who " they '' were and she said " the back office '' I asked if " they '' were at our bank she replied " I do n't know where " they '' are ''. The conversation ended at that time. On Wednesday X /XX/17 I called the customer service XXXX number and talked with XXXX who at least took the time to explain what the process was and she was very apologetic and understanding of my situation. She could not advise me what to do in order to get my issue resolved any sooner. With great frustration and XXXX I am filing this complaint it has been exactly one week that the bank has held up over {$5000.00} of my funds with very little help or concern from our local US Bank manager.
Product: Vehicle loan or lease

I called the company ( Credit Acceptance Corporation ) about five years ago when I first notice that this fraudulent activity was on my report. I contacted the company and informed them that I never did business with them and if they could removed that from my credit report. I also informed them that I am a victim of identity theft. The company informed me that they will look into the situation and take care of it but never did. I have been disputing this activity for some time now and was told by the credit bureau that the company keep sending it back as accurate because it was being paid on. I explained to the credit bureau that whomever stole my identity was paying until they decided to stop and the company should understand that. I have done everything to prove to them that it is not mines and the company is still refusing to remove this account form my credit report.
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX Bank XXXX Bank XXXX XXXX XXXX XXXX XXXX Bank XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX Account XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A Section XXXX : it also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a  ) ( XXXX ) 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 1681sXXXX ( A ) ( XXXX ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding inaccurate and unknown items on my credit report. On this day over 60 days later I have not received a response yet. I feel as though I am being taken advantage of as well as being ignored of my disputes. Section 611 ( a ), it is clearly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report, it has been over 60 days, so it should be deleted promptly. I demand this account be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the hands of the wrong person.
Product: Credit card

I scheduled an automatic payment with Paypal Credit to come out of my bank account on the due date, and I am being charged a late fee.
Product: Debt collection

Ive asked and disputed with XXXX, asking to provide the documents supporting and proving the ownership of acct, they failed to do such and just updated amounts owed on the acct and closed it, if they can not provide proof of ownership then this needs to be removed from my credit as I have asked them directly multiple times via phone ( not saying someone committed fraud )
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15USC 1681 section 602 a states : I have the right to privacy.

15USC 1681 section 604 a section 2 : it also states a consumer reporting agency can not furnish an account without my written instruction.
Product: Debt collection

1.I have never had an account with this company CREDENCE RM XXXX, REMOVE from all credit agencies from reporting. 2.consumer means any natural person obligated or allegedly obligated to pay any debt. According to 15 U.S. Code 1692a ( 3 ) 3.This letter is in pursuing 15 U.S. Code 1692c ( c ) Ceasing communication 4.I am the consumer mentioned in 15 U.S. code 1692a ( 3 ) You are CREDENCE RESOURCE MANAGENT the debt collector 15 U.S. Code1692a ( 5 ) I am invoking specified remedies under use 15 U.S. code 1692c ( c ) ( 2 ) as a creditor I am demanding you to terminate all farther efforts pursing to 15 U.S. Code 1692c ( c ) ( 1 ) 5.I am the executor under the 15 U.S. Code 1692c ( d ) pursing to 15 U.S. Code 1692d A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) ( 2 ) and ( 4 ) 6.According to 15 U.S. Code 1962e ( 8 ) Communicating or threatening to communicate to any person credit information which is known, or which should be known to be false, including the failure to communicate that a disputed debt is disputed. 7.15 U.S. Code 1692e ( 12 ) The false representation or implication that accounts have been turned over to innocent purchasers for value. 8.As mentioned in the 15 U.S. Code 692f Unfair practices ( 8 ) 9.While pursuing to 1692g ( b ) while the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt. 10.15 U.S. Code 1692k Civil Liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of ( 1 ) ( 2 ) ( A ) ( B ) ( 3 ) 11. Mentioned in 15 U.S. Code 1681a ( 3 ) ( 3 ) Restriction on sharing of medical information. Except for information or any communication of information disclosed as provided in section 1681b ( g ) ( 3 ) of this title, the exclusions in paragraph ( 2 ) shall not apply with respect to information disclosed to any person related by common ownership or affiliated by corporate control, if the information is ( A ) ( B ) ( C ) Ive pointed out many violations your company is in pertaining to the U.S. Code 1692 and 1681.
Product: Credit card

I used my Southwest Rapid Rewards Plus Credit Card ( a Chase XXXX card ) at a music festival on XX/XX/XXXX. On XX/XX/XXXX I saw on the Chase.com website that there was an unauthorized charge on my card. The charge was listed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for {$71.00}. I immediately reported it as fraudulent and received an email from Chase telling me they were investigating, and on my next statement I confirmed that they had refunded me that amount. In XXXX I was diagnosed with XXXX XXXX and I spent the next few months focusing on that, so I didn't notice that Chase put the charge back on my card at the end of XX/XX/XXXX. I also didn't notice because they did not email me or send a letter via regular mail to notify me of this. On XX/XX/XXXX I was reviewing my statements and became aware of this. I called Chase that same day and was told by someone in the department that made the decision that they decided I was responsible for the charge because I had " handed ( my ) card to a merchant. '' I explained that I had handed my card twice to a different merchant ( listed on my statement as " & XXXX & XXXX ( BAR ) XXXX CA '' ) but NOT to the merchant that charged me {$71.00}. They told me that the charge had been made using XXXX and that I should contact XXXX to get a refund from them. I contacted XXXX and, after many minutes looking, the rep could not find the transaction at all, and they told me to reach out to Chase again. 
On XX/XX/XXXX I went on the Chase site to find out if the Southwest card had Auto Rental coverage benefits and I found that, lo and behold!, they list " XXXX Liability Protection '' ( " You won't be held responsible for unauthorized charges made with your card or account information. If you see an unauthorized charge, simply call the number on the back of your card '' ) as one of the benefits of my particular card. I called Chase ( using the number listed for Benefits questions ) and the rep insisted that Zero Liability Protection is NOT one of the benefits offered by my card. I explained that the site clearly had the last 4 digits of my card number at the top of the page, and the statement " Ilse, your Southwest Rapid Rewards Plus Credit Card comes with great benefits that will help you get closer to your next trip. '' He asked me what site I was looking at and I told him " Chaseloyalty.chase.com, '' but, while acknowledging that it was the correct site, he insisted that I must be looking at a different site and not the one for my specific card. 
I told him that they have to honor the benefits that they list on their website but he refused and told me to " feel free '' to report them to the Attorney General. 
I want Chase to honor what they have displayed on the site mentioned above ( I have screenshots and a video ) and to refund my card the {$71.00} charge I didn't authorize.
Product: Checking or savings account

This past Friday evening ( XX/XX/2020 ) I received a notification that I needed to contact the Discover fraud line and my account had been locked. 
Upon doing so I was on hold for quite some time while the individual I was speaking with reviewed my account. 
Eventually, he sent me to their tech support to have me upload both sides of my driver 's license as verification. 
Once that was complete I was forwarded to a third individual who eventually informed me that all of my accounts were closed for " business reasons '' and that I should have a check within 60 days with my remaining balances. 
My wife then called later to attempt to get further information as well as to inquire about our Discover credit card still being active in hopes of figuring out why we were being punished. Shortly thereafter our charge card ( which we had just paid off ) had also been closed. 
The closest thing to fraud we had done was to set up multiple savings and money market accounts in order to try an automated budgeting system we had heard about. The accounts had been opened earlier in the week and I went through and funded them upon receiving our income tax refund the previous day ( XX/XX/2020 ). 
We had also run one of our savings accounts, that had been open for over a year, up to the maximum of 6 transactions - but this wasn't entirely on us. 2 of those transactions were executed by someone at the bank troubleshooting an issue we were having trying to transfer {$450.00} from that account into our checking account. They executed a {$1.00} transfer and a {$100.00} transfer - both of which counted against us and neither of which were helpful. 
We received zero notice and were depending on those funds to finally get our financial heads above water - this risks us being in a worse situation, financially as well as on our credit report/score, has put a lot of stress on my wife, and we are scrambling to find a way to pay our childcare expenses, buy groceries, and get to work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Trans Union via phone XXXX and chose to hold my place in line due to long hold times. I received a call back in less than 5 minutes and since caller ID on my phone is sometimes not helpful I answered the call and the representative asked how she could help and I explained I needed to temporarily unfreeze my credit for my credit to be ran by my credit union. She asked for my name, phone, and SSN, which I stupidly gave her. I think asked why her number showed up as " XXXX ''? She said she didn't know and I hung up. But she already had my information. The number she called from was XXXX.
Product: Debt collection

There is an account that has been reporting as deragotry on ALL of my credit reports, since XXXX. Name of company is CACH LLCz i disputed this with XXXX & XXXX. They will not provide proof and validation of the accused debt. Nor will they remove it. 

It is negatively affecting my credit score, and i can not get approved for any sort of loans. Including Secured credit cards that require no credit as you pay collateral.

Specific account info : - CACH LLC # XXXX C/O RESURGENT CAPITAL SERVICESXXXX XXXX   XXXX XXXX , SC XXXX ( XXXX ) XXXX Also, over 5 inaccuracies in inquiries repoeted and affexting me negatively that are beyond the statue if limitations of length. Please see below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : INSURANCE UNDERWRITING XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX Permissible Purpose : COLLECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, OR XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX Phone number not available Please advise how CFPB can protect me as a Consumer against these predatory lending efforts to ruin my credit scores and affecting my family from obtaining a mortgage for a house to live in
Product: Prepaid card

I had bought XXXX XXXX cards. Both of them were tampered with. I contacted Incomm who then asked me to send receipts and pictures of cards to them. I've only received XXXX of XXXX replacment cards in the mail and it's been over XXXX months already.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am very distressed that you have STILL included the below information in my credit profile which is creating damaging effects on my good credit standing. No doubt the inclusion of this inaccurate information is a mistake on your part. The other credit reporting agencies found inaccuracies with the information listed and removed or updated without incident. You, however, seem to claim you've verified the accuracy of the information. I'm very confused. Can you please let me know how you verified this information? What methods you used, who you talked with at the company, and what day and time you talked to this person? All this information is needed for a case I'm building against all parties who are damaging my credit XXXX XXXXXXXX Date opened XX/XX/XXXX Balance $ XXXX Late Date XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted the creditors who placed these inquiries, and asked them to remove them from my credit profile. I also asked them to cease their illegal activities immediately, which they have! 
However, the credit reporting agencies have violated the FCRA and continue to do so EVEN after speaking with them 3 times!! They have received communication from myself and the creditors but when speaking with them they have advised that they can not and will not delete the inaccurate information. Since sending the letter more than 30 business days ago, they have failed to respond and honor my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries and information listed in my report were inaccurate. I requested that they investigate it and analyze my files by sending letters to all three credit bureaus. The reality that this information continues to be sent around is affecting my credit. The credit agency didn't do anything to remove the inaccurate information and inquiries listed below as a result. 
PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX EMPLOYER : XXXX XXXX Date Updated : XX/XX/XXXX XXXX XXXX Date Updated : XX/XX/XXXX INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX XX/XX/2024 Consumer Financial Protection Bureau XXXX XXXX, NJ XXXX Subject : Formal Complaint Against Credit Acceptance Corp XXXX for Violations of Consumer Protection Laws To Whom It May Concern, I am writing to file a formal complaint against Credit Acceptance Corp XXXX for egregious violations of consumer protection laws, as outlined below : Violation of 12 CFR 1006.34 ( b ) ( 5 ) : Despite placing a collection account on my consumer report, Credit Acceptance Corp XXXX has failed to provide validation information regarding the alleged debt, as mandated by 12 CFR 1006.34 ( b ) ( 5 ). This omission violates my rights and undermines the accuracy and legitimacy of the reported debt. 
Violation of 12 CFR 1006.34 ( c ) ( 4 ) ( i ) : I have not been given a reasonable opportunity to dispute the account, as required by 12 CFR 1006.34 ( c ) ( 4 ) ( i ). The collection agency 's failure to provide me with a proper avenue for challenging the accuracy of the debt within the specified timeframe further exacerbates their non-compliance with consumer protection laws. 
Use of False, Misleading, and Deceptive Means : Credit Acceptance Corp XXXX has engaged in false, misleading, and deceptive practices during their collection efforts. These tactics include [ specific examples of false, misleading, or deceptive practices ], which are clear violations of my consumer rights. 
Violation of 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ) : The collection agency has furnished the account to consumer reporting agencies without providing any and all disclosures required by law, contravening both 12 CFR 1006.34 ( d ) and 15 USC 1681-S2 ( 7 ) ( A ). This action further demonstrates their disregard for regulatory compliance and consumer rights. 
In addition to the aforementioned violations, I hereby dispute owing any and all debts to Credit Acceptance Corp XXXX and hereby revoke all rights of communication via calls, emails, or any other means. I demand immediate cessation of all communication attempts from Credit Acceptance Corp XXXX. 

Furthermore, I request the following remedial actions : Validation of the debt in accordance with 12 CFR 1006.34 ( b ) ( 5 ). 
Provision of the purchase agreement between Credit Acceptance Corp XXXX and the original creditor. 
Evidence of Credit Acceptance Corp 's XXXX licensing and bonding as required by law. 
Cease and desist all collection activities until the aforementioned requests are fulfilled. 
Failure to address these concerns promptly will compel me to pursue legal action to enforce my rights as a consumer. I expect a thorough investigation into this matter and prompt resolution in accordance with consumer protection laws. 

Sincerely, XXXX XXXX