23daVinci/CFPB_Complaints huggingface dataset:
Product: Consumer Loan

We paid off a home equity line of credit with Chase Bank on XX/XX/2017. Because of the timing of the payoff, we were owed a balance of over {$1000.00} in connection with the payoff. We contacted Chase on XX/XX/2017 to find out when we should expect to receive that balance and were told we needed to submit an authorization to close the account. We did so that day by email and the following day by fax. We contacted Chase again on XX/XX/2017 to find out when we should expect to receive the balance and were told the account had been closed and we should expect to receive a check within a week. Today we received mailed materials noting the line had been blocked and giving us a " payoff amount '' showing we are owed over {$1000.00}. We contacted Chase again and were told the line has not been closed, that an additional " work order '' is required and that it will take 3 business days to process that and at least another 7-10 business days for us to receive our refund. At that point, we will have waited approximately 6 weeks from the time the line was paid to receive a refund of our money, after having been given incorrect information by Chase about what was required to obtain it every time we have contacted them.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX is reporting a account I have asked for everything on this XXXX XXXX  account including my signature be provided to me under section 609 I am entitled to this information or they must delete from my credit reports no information has been sent to me
Product: Credit reporting or other personal consumer reports

I looked at my Credit Report Recently and noticed several inaccuracies on my account. This Account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. Here is the item i am asking you to verify as accurate. 

Name : XXXX XXXX Account number : XXXX
Product: Checking or savings account

People 's United Bank makes it onerous to near impossible to close their accounts. I have had a small balance in my account for a number of years, and their first request is to ask you to visit a physical branch since you can not close the account online or by telephone. Then they make it onerous, severe and unusual in trying to link external bank accounts ( I have had 2 external bank account efforts cancelled despite verifying the 4 direct deposits ).

Consequently, it has taken multiple phone calls, messages, and time to go nowhere - and they now require me to send bank statements from my other banks I want to link in order to get approval ( and then re-verify the external micro deposits ). To say the least, they are so happy to open accounts for people but make it impossible to close accounts with them because their systems are outdated and require paperwork. Few modern banks require so much paperwork and verifications.
Product: Credit reporting or other personal consumer reports

I demand that any XXXX XXXX XXXX accounts be blocked from my report due to identity theft. Pursuant to the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681c-2. XXXX XXXX, who provides cybersecurity services to the lender XXXX XXXX XXXX, released my identifying information to another person without my consent.
Product: Checking or savings account

Chase send me an email offer with URL link on XX/XX/XXXX about opening checking/saving account together. 

In the offer, it stated if I meet the direct deposit and minimum balance requirements, a combined total {$900.00} bonus will be deposited into my account. 
Chase Customers : Offer ends XX/XX/XXXX. 

I followed the URL link from email, opened the account on XX/XX/XXXX and met all the requirements but the offer was not honored. 

When I called Chase promotion XXXX, they told me " they don't have record showing me taking upon the offer ''. I requested to be transferred to supervisor, which they did. 
I talked to a gentleman called XXXX XXXX and explained to him the situation. 
He listened and responded " there is no reason why I can't receive the promised {$900.00} bonus and he will take care of it and get back to me in XXXX ''. 

Well, XXXX week has passed and again, the promised bonus is still not showing up.
Product: Credit reporting or other personal consumer reports

Subject : Formal Complaint Incorrect Collection Account Reporting Despite Court Dismissal To Whom It May Concern, I am filing a formal complaint against [ Credit Bureau XXXX XXXX XXXX XXXX, XXXX, and/or Experian ] for their continued reporting of a collection account that was dismissed in court, ruling that I do not owe this debt. This inaccurate reporting violates my rights under federal law and must be corrected immediately. 

Details of the Disputed Account : * Creditor Name : XXXX XXXX XXXX  SD * Account Number : XXXX * Court Case Number : XXXX * Court Dismissal Date : XX/XX/year> The court dismissed the case on XX/XX/year>, legally determining that I do not owe this balance. Despite this ruling and my previous dispute submissions, the credit bureaus have failed to remove this collection account from my credit report. This is a clear violation of the Fair Credit Reporting Act ( FCRA ) and other consumer protection laws.

Legal Violations : 1. Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681c ( a ) * The FCRA requires that all credit report information be accurate and up to date. Reporting a nonexistentdebt after a court dismissal is inaccurate and misleading, violating my rights.

2. FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) * Credit bureaus must promptly investigate and correct inaccurate information. Since I have provided official court dismissal documents, failure to delete this account violates this law.

3. FCRA 15 U.S.C. 1681e ( b ) * Credit reporting agencies must maintain maximum possible accuracy in credit files. Keeping an invalid collection account on my report fails to meet this standard.

4. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692e ( 8 ) * Debt collectors and credit bureaus can not report false or misleading information to credit agencies. Since this account has been legally dismissed, its continued reporting is a violation of federal law.

Requested Action : I demand the immediate deletion of this account from my credit report and written confirmation of its removal. This incorrect reporting is unfairly damaging my credit score and financial reputation.

Supporting Documents Attached : * Court dismissal order confirming the case outcome * Previous dispute letters and responses from the credit bureaus * Current credit report showing the inaccurate collection account Failure to remove this account constitutes noncompliance with federal law, and I expect immediate corrective action. If this issue is not resolved promptly, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and consider legal action. 
I appreciate your immediate attention to this matter and look forward to your response. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have fraudulent accounts and personal info reporting on my credit report. It do not belong on there. I have documents of

SSN, DL, Fraud Report. Please remove negative accounts and personal information on the fraud report! In accordance with the Fair Cre
dit Reporting Act XXXX, the accounts listed on my attachments has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Mortgage

In XX/XX/2019 my wife XXXX XXXX was advised that XXXX XXXX was selling her loan to Specialized Loan Servicing LLC. Our first payment to them was made at the end of XX/XX/2019 for XX/XX/2019 payment. ( We are 1 month ahead in payments ). Federal Rules state they were to apply funds to my account upon receipt, but this company did not, instead they took XXXX XXXX monthly mortgage payment and put it in a " Unapplied Funds Undefined '' account and when XX/XX/2019 arrived they finally posted the mortgage payment to the account. 
THE PROBLEM WITH NOT APPLYING THE PAYMENT UPON RECEIPT MEANS THEY MADE MORE MONEY IN INTEREST THAN THEY SHOULD HAVE HAD THEY APPLIED THE MORTGAGE PAYMENT AT THE TIME OF RECEIPT. 

THE FOLLOWING IS MERELY AN EXAMPLE : Loan Bal : XXXX Principal Payment : XXXX Interest Varies-goes down each month- {$230.00} So I make a monthly Mortgage payment on the XXXX Bal on XXXX, XXXX, XXXX  of {$250.00} and that drops the principal down to XXXX and interest is accrued until the next mortgage payment ... XXXXBUT WAIT, I HAVE ALREADY PAID XX/XX/2019 MORTGAGE PAYMENT, The company just has not applied the payment as they should have. So instead of earning interest on the XXXX they should be earning interest on {$69000.00} and when they get the next check in XXXX for XX/XX/2019, if the company applied the payment to my account they would be earning interest on {$69000.00} for the month of XX/XX/2019 and not {$69000.00}. 

By NOT APPLYING my MORTGAGE PAYMENT when received this company has EARNED INTEREST IT IS NOT ENTITLED TOO. 

I have calculated an ESTIMATED {$21.00} in excess interest, it could be more, earned by this company because they did not apply my mortgage payment to my loan when received.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX I need contract : XXXX to be removed off my credit reports for all 3 credit bureaus and for my mom XXXX XXXX credit report to be removed off my credit report for all 3 credit reports bureaus I need the account to be removed off the credit bureaus for all 3 bureaus etc.
Product: Student loan

I've been making monthly payments in the promise of student loan forgiveness and I was unaware that I was making payments to a 3rd party company. That company is Graduate Resource Network. They told me they were directly affiliated with the Department of Education, but after a conversation I just had with XXXX XXXX XXXX, I realized I've been paying Graduate Resource Network commission and not paying directly towards my student loan relief. 

XXXX XXXX recommended I reach out to your office and see if there is anything I can do to get refunded and get on the appropriate track towards student loan forgiveness. 

Thank you so much for any and all help. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX  Account # XXXX THIS ACCOUNT IS NOT MINES, I NEVER SIGNED A CONTRACT WITH XXXX XXXX XXXX  . THEY ARE IN VIOLATION OF MY PRIVACY FOR USING MY INFORMATION THIS ACCOUNT NEEDS TO BE DELETED DUE TO ITS INACCURACY & UNFAIRNESS. 

IN VIOLATION OF MY PRIVACY FOR GIVING MY INFORMATION TO A THIRD PARTY PLEASE REMOVE THIS ACCOUNT IMMEDIATELY
Product: Vehicle loan or lease

so back in XXXX i bought a vehicle with us auto sales and in XXXX they sold the company to west lake portfolio and now its as if my auto loan started over and im being charged XXXX for a used hyumdai tuscan XXXX this car is not worth that amount
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to the CRA ( Equifax ) several times with the same complaint. I have sent certified mailings with return reciept with the same complaint. please remove these 2 inquirys cause they do not belong to me. I have sent certified letter to XXXX XXXX XXXX as well with return reciept and still no responce. I did not apply for these services. 
Please REMOVE these inquirys from my report they do not belong to me. 



XXXX XXXX XXXX XXXX XXXX XXXX 
Inquiry from XX/XX/2017 XXXX XXXX XXXX XXXX XXXX XXXX Inquiry from XX/XX/2017 2017
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 XXXX XXXX Account Number : XXXX**** has violated my rights. Or 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: Checking or savings account

My son discovered a fraudulent activity on his account XX/XX/2019. I am as his father listed as a signer on his account and ultimate responsible for the account. My son contacted the bank immediately and begin their process to start an investigation into the matter. We discovered during the call it was a ATM deposit in the amount of {$5200.00}. The individual ( s ) turned around and withdraw XXXX dollars cash. We thought after a 3 hour encounter with USAA representative the matter was being resolved. On XX/XX/2019 my son called to check to status and the representative stated they were still looking into the the matter. I then called and spoke we a rude lady in the " executive customer service side '', she called my son on three way and verified his account, and then went into the script that he is responsible for the money and he did it or allowed someone to get into his account. My son informed her we are 2 hours away from where it happen and he never helped or did anything to allow someone to have access to his account. At that time I asked, what is the next steps that we can take to dispute the matter as no one has contacted us since the last concern. She said, you can get a police report and then send it in, we may look at it. My son said if you may look at it that would be pointless, she then says since you refuse to make a police report you must be involved. I then said he didn't say he refused to make a police report. He is clearly stating what is the purpose if you all aren't going to look into it. The call was then disconnected. I then called back and spoke with a XXXX he says the notes are on file from my conversation with him. My son filed a police report and he is sending it in. I started looking online for similar incidents and I am finding multiple USAA student accounts are experience the very same thing and USAA is doing nothing about it beside making every person pay for the fraudulent activity. This is serious concerning and may have affected 100 's of individuals, from my hour research I have located 25 people in a 3 month frame that had experienced this. 

Police report filled : City of XXXX, # XXXX
Product: Mortgage

My mortgage company originally told me that my loan was modified. My new balance was supposed to be {$41000.00}. My mortgage company is now telling me that my balance is over {$76000.00} and they have increase my payment by {$300.00} a month. I believe they are incorrect and I want my balance reduced to the amount that was agreed upon in my loan modification agreement.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 3 credit bureaus XXXXXX/XX/XXXX Dear Sir/Madam : I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint XXXX XXXX  and contacted the police department and obtained a police report XXXX XXXX which both are attached. 

Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : XXXX XXXX XXXX XXXX XXXX XXXX  Please block and remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Also, please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months. 

Sincerely, XXXX XXXX
Product: Mortgage

I have requested that the insurance be paid through the mortgage servicer/escrow account. ( Freedom Mortgage ). 
The homeowners insurance company reached out to the mortgage servicer and provided the bill. The homeowners insurance then reached out to me with the bill and said the servicer wouldn't pay it. 
I reached out again to freedom mortgage via phone and email several times, including providing the bill that the insurance company provided to the both of us, stating my intent to pay the insurance through the mortgage servicer/escrow account. 
When I spoke to them on the phone they said I would have to make a request in writing via email, which I did on their portal. 
They took no action. 

They then called me to discuss the insurance and informed me of the fact that the property needed insurance. I reminded them they had received the bill from myself and from the insurance company and it was on them to pay it now since I had put the request in writing. 

Then they just hung up on me without answer. 

I got another call shortly after from Freedom Mortgage, wherein they were confused about what I was trying to do. They then bounced me around on hold from several people for several hours, with each person I spoke to knowing progressively less and less about what an escrow account was or what my intent was. 

I believe that Freedom Mortgage is going out of their way to make this process as difficult as possible, and even more frustrating is as we are continuing to struggle with the recovery efforts from XXXX and now XXXX, Freedom Mortgage is either ignoring me, or outright refuses to correspond on this matter. 

Despite being recently hit with XXXX natural disasters, I find that the most difficult thing to deal with has been Freedom Mortgage and their instance on making this as XXXX  as possible. 
Thanks, XXXX XXXX
Product: Mortgage

I went thru modification thru a law firm was qualified and ended up loosing my home. I was a first time home buyer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on my payment history from your company I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been convicted of any felonies and XXXX misdemeanor record has in accurate dates.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters to the Credit Bureaus to remove the inaccurate information that are found on my report. But still those inaccurate information are constantly reporting on my report. That means the Bureau has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. REMOVE THESE FOLLOWING INCORRECT INFORMATION and INQUIRIES COMPLETELY FROM MY CREDIT REPORT : Personal Information PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, TX XXXX Date Updated : XX/XX/XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX Updated : XX/XX/XXXX EMPLOYER : XXXX XXXX XXXX Date XXXX : XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX Date Updated : XX/XX/XXXX NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX XXXXXXXX Date of inquiry XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Subject : Urgent Request for Investigation and Deletion of Incorrect Charge-off Report XXXX  XXXX ACCOUNT I am writing to challenge and urgently request the removal of incorrect and unauthorized charge-off entries listed on my credit report by a third-party collection agency. These entries have significantly compromised my financial status, preventing me from obtaining a home mortgage, an auto loan, and additional credit lines. 
It is important to note that I have no contractual ties with this collection agency. Their reporting of charge-offs on my account, which I never authorized, lacks any legal basis and violates several laws concerning credit reporting and consumer privacy : 1. **Unauthorized Reporting** : Charge-offs reported on my credit are without my agreement, constituting a breach of the legal standards governing credit reporting.

2. **Failure to Furnish Form 1099-C** : The agency did not provide the Form 1099-C required for accurate tax reporting, exposing me to potential tax compliance issues.

3. **Privacy Rights Violation** : Reporting my personal financial information without consent is a direct violation of the Privacy Act of 1974 ( 5 U.S. Code 552a ), which safeguards against such unauthorized disclosures.

4. **Absence of Contractual Relationship** : I have never consented to any agreement with this agency, making their report an infringement on my consumer rights.

5. **Opt-Out Rights** : I am officially opting out of all implicit permissions for the sharing or reporting of my credit information, as supported by regulations 12 CFR 1016.1, 12 CFR 1016.4, 12 CFR 1016.7, 15 USC 6802 ( b ), and 15 USC 6805.

Given these concerns, I request a prompt investigation into these inaccuracies and the removal of the disputed entries from my credit report. I expect a written confirmation of these corrections. Please be advised that I am prepared to pursue further actions, including legal remedies, to correct my credit information and defend my rights. 
I appreciate your immediate attention to this critical issue and await your swift response and resolution.