23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to you as the holder of credit card account number XXXXXXXX XXXX XXXX XXXXXXXX to report an issue negatively impacting my credit report that appears to be in violation of the provisions of 15 U.S. Code 1666b, as well as other relevant sections of the Fair Credit Reporting Act ( FCRA ).

According to 15 U.S. Code 1666b, creditors must send periodic statements, including all information required by section 1637 ( b ), at least 21 days before the payment due date. This requirement ensures that consumers have sufficient time to receive, review, and make necessary payments without being unfairly penalized for late payments.

Additionally, the FCRA, specifically sections 15 U.S. Code 1681i and 15 U.S. Code 1681s-2, mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information contained in consumer files. 

I have identified that the statements for my credit card have not been delivered in compliance with these requirements, resulting in the appearance of late payments on my credit report. This non-compliance has adversely affected my credit score. 

I formally request that you investigate and correct any inaccurate information related to these late payments on my credit report. Below are the details of the affected payments : Date of reported late payment : 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  I would appreciate your prompt attention to this matter to rectify any errors in my credit report. I am willing to provide any additional documentation necessary for your investigation. 

I look forward to receiving written confirmation of the actions taken to correct this information and ensure compliance with the relevant regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process.I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I need to have the major credit bureaus update my information as it is not complete. There are many accounts that are part of my credit history that do not show up on the various reports. Also, some of the bureaus do not show my prior address, where Iived for a number of years and had mortgages. I want to have my credit files show my full credit history, but they do not show all of it. When I try and file a dispute the credit bureaus want to know what account I am disputing ... but that account is not in their report. So there is no way to dispute it online. Can you advise me on how to get my prior address to show on my reports when I no longer live there and creditors only report my current address? Also, how can I have older closed accounts that show my credit history show up on my report? Example : XXXX  has my addresses correct and most of my older accounts, but Experian and XXXX and XXXX do not. If XXXX could share these records with the other bureaus my information would be more correct.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have an active fraud alert on my credit report that requires creditors to contact me before inquiring about credit applications and before issuing any credit products. I was not contacted by any of these companies on the dates listed about any credit application nor did I approve any credit inquiries or applications on these dates and do not recognize the inquiries listed.
Product: Mortgage

I closed on a conventional mortgage with United Wholesale Mortgage ( UWM ) on XX/XX/XXXX. I opted to have my property taxes and home insurance premium included in an escrow account. 

On XX/XX/XXXX XXXX withdrew the XXXX premium from my checking account ( {$510.00} ) based on my auto pay preferences on file. ( XXXX includes a discount ). On XX/XX/XXXX UMW sent a payment to XXXX ( {$530.00} ). XXXX refunded the escrow payment to my checking account. They advised me that I only receive the discount when I pay the premium. I contacted UWM to remove my home insurance from the escrow account. I was advised to wait 6 months and contact them again ( XX/XX/XXXX ). 

I called UWM XXXX ( XXXX ) XXXX on XX/XX/XXXX to request removal of my home insurance premium from my escrow account. I was told that I would have to be reviewed prior to action being taken. The service person returned to the phone to say my request was declined. When I asked why, she said that MN State Law dictates that XXXX XXXX loans do not allow escrow accounts to be change for 5 years from the loan anniversary date. I asked to speak with a supervisor who gave the same reason for denial. I have looked up the explanation in MN State law and it is in there. 

My complaint is that upon reviewing all of my closing documents/disclo-sures, there was nothing citing MN 's law requiring a 5 year waiting period to change my escrow choices. Had I known there was a 5 year waiting period, I would not have opted to have an escrow account for the homeowners insurance. ( I am enclosing pg. XX/XX/XXXX of the closing document " Mortgage '' which addresses Escrow/Loan disclosures [ highlighted in red saying " any time '' ] and is a MN-specific boilerplate form which should have conformed to MN law. Also enclosing pg. 4 of Closing Disclosure addressing Escrow rules and makes NO reference to a 5 year waiting period. 

The Title Company is Legacy Title ( XXXX ) XXXX. I'm not sure if they share in the lack of correct disclosure. 

I also contacted XXXX, as they were requested by UWM to have me sign and return a document that changes the Payer from me to UMW. I was told that XXXX could not bill the discounted amount to UMW. I must sub- mit this form to the XXXX Home Office before XX/XX/XXXX. If this form is not on file, XXXX will not pay UWM 's escrow billing statement, and I will be considered to be uninsured ; UWM can then make me choose an insurance vendor of their choice.
Product: Credit reporting, credit repair services, or other personal consumer reports

CFPB Case # - XXXX I was promised the inquiry would be removed from my credit profile and it has not been removed.
Product: Mortgage

First I would like to say I am getting tired of my bank responding to my complaints which I rightfully have many, with false, innacurate, misleading and many violating so many of my rights here in my loss mitigation process of my foreclosue conveying these messages that are for EXACTLY the same reasons as they were cited for in their XXXX ( XXXX ) dollar civil action fine and law suit for borrowers in the same position in XXXX to XXXX and I was one them as well. I blame my bank as a result of not foreclosing in XXXX or XXXX when there was no chance to salvage this condo but because I got a discharge in a. Chapter XXXX Bankruptcy case they stalled almost 4 years until I won my XXXX case to offer me a predatory lending loan modification when I owed nothing from a personal perspective and I lost out on a nice affordable housing situation as a result. 

Ok on XX/XX/XXXX I got a response of my two CFPB Complaints from my bank XXXX XXXX Office of the President with a top letter and copies of things to try and help their defense. It has only made it worse as the papers all contained errors and innacurate info and more Violations and more. There are so many I will choose one for now. In that package they sent me copies of documents I never got and even if I did had errors. A letter with no date but if it was sent it had to be around XX/XX/XXXX. On the front it says XXXX XXXX XXXX Evaluation Summary. In the second paragraph it says " I am not eligible for the program listed on the evaluation summary. On the 4th and last page this evaluation summary has 5 programs they claimed I was screened for and the last one says pre approval of deed in Liue. How am I approved when your first page says I am not eligible for any programs? They include a copy of a letter dated XXXX saying I was pre approved for a DiL and what I had to do. I never got this either. I did get several complete denials of this DIL.The details of this offer were totally different than the offer I got by phone and email on XXXX That on the first page of the XX/XX/XXXX response they say this offer is the one assigned to XXXX XXXX on XXXX XXXX XXXX ALL IMPOSSIBLE AND LIES. I am stunned at what is happening and the Attorney General of our State who participated in the case of XXXX to XXXX I am in the process of contacting. 

Attached is the papers scanned so they can't change anything.
Product: Debt collection

I contacted the debt collector to find out who I originally owed the money to. I spoke with a representative and a manager. Neither would provide me with contact information for original doctor 's office.
Product: Credit reporting

In 2004 I discovered I was the victim of identity thief. I filed a complaint with the police department -- XXXX, VA. For several years following I filed request for Experian to remove the information from the report. After many years of complaints to the FTC and them directly they sent me reports showing that the information was removed from my report. 

The information is still on the report and in their data base. Since they provide erroneous and fraudulent information to government agency I continue to have countless problems with receiving benefits because I can not verify my personal information. For instances, I can not apply medical insurance throw XXXX XXXX XXXX, State Unemployment or anything else. 

I have seen copies of my Experian credit report that companies have received that show the fraudulent and wrong information about me and are different then the credit reports I receive as a individual person at the same time.
Product: Credit reporting or other personal consumer reports

I received a copy of my credit report and found the following items to be an error dated XX/XX/23 for amount {$3700.00}. I requested for the company to remove error
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting incorrectly to XXXX XXXX  Experian and XXXX  a collection in the amount of {$1200.00} on the XXXX  XXXX partial account number XXXX. ( Please see pages 13 and 14 of the attached credit report. ) This account belongs to my ex-wife and should not be reporting on my credit report. I have my own XXXX service with account number XXXX. Please see the attached copy of my billing statement reflecting my account number, billing period for current month and my name and address. This incorrect reporting of an unsubstantiated collection is harming my credit score and these line items need to be removed from my credit report. I have contacted the ( 3 ) bureaus to fix this, however I have not been successful.
Product: Debt collection

As of XXXX XXXX, 2021, I have a collection account listed on my credit reports by a debt collection agency, Consumer Adjustment Company Inc., collecting on behalf of XXXX. Consumer Adjustment Company Inc. ( CACi ) is not licensed to collect in the state of Michigan and therefore I am disputing this collection account.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2017 I arranged to have my past due and current balance paid to XXXX XXXX XXXX Credit Card through My XXXX XXXX   Checking account for the Month of XXXX. 

It is stated and can be confirmed by XXXX XXXX that : 1 ) the amount required was in my checking account 2 ) I did call in and attempt to make a payment BEFORE the 30 days from my prior payment lapsed and therefore becoming " 30 days late '' per FCRA. 

You can check with both institutions. These are factual statements I attested to. 

However the routing number supplied for my region online was incorrect. I have been with Bank since it was XXXX XXXX XXXX. 

After I the due date, I noticed the funds had not left the account. I called XXXX XXXX and found that they could not locate my account within XXXX system to debit the funds, because the supplied routing number was not associated at that time with my personal checking. I walked into the branch the following day and they supplied my current routing number. I made the payment but because of the amount of time the 30 days had lapsed and now a 30 days late was recorded.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX letter was sent on my behalf by XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX. to Comenity Bank, XXXX XXXX XXXX, XXXX OH XXXX requesting a review of my credit history regarding a late payment in XX/XX/XXXX because of inadequate billing notification XX/XX/XXXX dated letter sent from Comenity Bank to XXXX XXXX XXXX and received on XX/XX/XXXX regarding XX/XX/XXXX letter sent on my behalf informing him " To address your concern, we have updated our records and have notified the credit reporting agencies of the changes that need to be made to the credit file. This change should be reflected on the credit file the next 45 days. '' " If you have any further questions, please contact Customer Care team at the address listed below. Comenity Bank, XXXX XXXX XXXX, XXXX Ohio XXXX. '' No one signed the letter. The letter closing was : Sincerely, Customer Care. There was no phone number on the letter. 

XX/XX/XXXX dated and certified letter sent by XXXX XXXX on my behalf to Comenity Bank, XXXX XXXX XXXX, XXXX XXXX requesting Comenity Bank provide copies of documents sent by them to credit reporting agencies as stated in Comenity 's XX/XX/XXXX letter for my records and possible follow-up. 

XX/XX/XXXX letter sent by Comenity Bank " Card Holder Services '', XXXX XXXX XXXX, XXXX Ohio XXXX to XXXX XXXX informing him his letter did provide enough information for them to locate my account information even though Comenity Bank 's letter dated XX/XX/XXXX indicated otherwise. Comenity Bank 's letter also requested that I forward my name, social security number, address, and phone number. Comenity Bank 's letter did not contain anyone 's name of phone number. 

XX/XX/XXXX, date of letter from Comenity Bank, Customer Care team addressed to XXXX XXXX and recieved on XX/XX/XXXX stating : " We can not locate the account. '' Even though I sent the information to them on XX/XX/XXXX. See above. 

XX/XX/XXXX, I, XXXX XXXX, sent Comenity Bank a certified letter to XXXX XXXX XXXX, XXXX, OH XXXX summarizing all letters and dates between Comenity Bank XXXX XXXX XXXX and me. In this letter I requested that someone call me to discuss my case and again included my e-mail address and cell phone number.s
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
XXXX XXXXXXXX Balance {$0.00} XXXX XXXXXXXX Balance {$240.00} XXXX XXXX XXXX Balance {$2100.00} XXXXXXXX XXXX XXXXXXXX Balance {$0.00} XXXX XXXX XXXX Balance {$240.00} XXXX XXXXXXXX XXXX Balance {$290.00}
Product: Debt collection

I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts ASAP. 



these agencies is violating your Consumer rights by using false misleading, misrepresentation, and deceptive means.
Product: Mortgage

I had a mortgage with Santander Bank that was refinanced with XXXX XXXX on XXXX/XXXX/XXXX. Santander Bank automatically withdraws the mortgage payment on the XXXX of every month, from my Santander checking account. Santander withdrew my XXXX mortgage payment on XXXX, XXXX/XXXX/XXXX totaling XXXX from my Santander checking account ( see attached mortgage statement ). My checking account is now overdrawn. I contacted Santander Bank yesterday XXXX/XXXX/XXXX and today XXXX XXXX/XXXX/XXXX and they claimed the payoff funds were not received until Monday XXXX/XXXX/XXXX the day the mortgage payment was withdrawn from my Santander checking account, and although my mortgage with Santander is closed they can not ( or will not ) return the XXXX to me for at least 10 business days, and via a check in the mail. This is unacceptable ; my checking account is overdrawn and I need money for daily and weekly expenses. I want the XXXX mortgage payment automatically returned to my Santander checking account immediately. In addition, the payoff from XXXX was higher than the ending principal balance of my loan with Santander and Santander says it will also take at least 10 business days to calculate the refund to me, at which point they will mail a check to me. Why so long? That is also ludicrous and I want to see that money come back to me as soon as possible. Because of the personal information in the XXXX refinance paperwork I am not attaching the file but can provide that paperwork if needed by BBB which shows that the refinance took place on XXXX/XXXX/XXXX. Thank you for your help with this issue!
Product: Mortgage

Amerisave has not abided by its terms to make good faith efforts to close on my refinancing application despite my having turned in every requested document. It has been almost a year since I gave them my {$500.00} deposit and then locked in rates at historic lows. Because of their malfeasance, they did not timely close as promised in XX/XX/2021 and as an excuse, said the appraisal expired. They claimed they had to do another full walkthrough appraisal, but this is false. They should have ordered a simple drive by appraisal to assure my house was still standing ( it is ) before the expiration date. But, because the record rates had risen significantly after my lock, they had a financial incentive to drag their feet and not close. They then demanded I pay almost {$19000.00} more in up front costs for the same mortgage terms. Yes you read that right they asked for {$19000.00} above the locked agreement. 

Because rates were rising fast and I didn't want to restart the process with another lender, I attempted to negotiate a " meet halfway deal '' and they gave some signs of cooperation and then hit me with new unnecessary requests for documents when I had already been approved by underwriting the first time around. I nevertheless gave them every document and proof of income they asked for but still no closing date. I have a XXXX credit score so they should want my business, but now it seems they would rather keep my {$500.00} deposit and hope I just go away, which is of course, fraud. They have stopped responding to my inquiries, hence this complaint. Below are the licensed Amerisave agents involved in this matter who need to be held responsible. 

XXXX XXXX Branch Manager NMLS ID # XXXX AmeriSave Mortgage Corporation NMLS ID # XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX NV XXXX XXXX Desk XXXX XXXX Mortgage Sales Manager NMLS ID # XXXX XXXX XXXX Processor AmeriSave Mortgage Corporation NMLS ID # XXXX
Product: Checking or savings account

I hope this email finds you well. I am writing to file a formal complaint regarding a promotion offered by JPMorgan Chase Bank , N.A . I have exhausted all avenues of resolution with the bank, and I believe that my complaint warrants your intervention. 

On XX/XX/XXXX, I received an email from Chase with the subject line " Chase {$900.00} Offer, '' which advertised a promotion for the Chase Total Checking and Chase Savings accounts. The offer clearly stated that to be eligible, I need to : 1. Open a new Chase Total Checking account and set up direct deposit.

2. Open a new Chase Savings account, deposit a total of {$15000.00} or more in new money within 30 days of coupon enrollment, and maintain a {$15000.00} balance for 90 days from coupon enrollment. 
I meticulously followed all the requirements outlined in the offer. I initiated a direct deposit of {$500.00} twice a month, deposited {$15000.00} on the same day I opened both the Chase Total Checking and Chase Savings accounts, and have maintained the specified balance since then. 

However, despite meeting all the eligibility criteria, I have not received the promised {$900.00} reward. I reached out to Chase customer service. During the call, the agent informed me that I was not eligible for the offer because I was not a new customer. Contrary to this, the offer email explicitly stated, " Both offers are not available to those whose accounts have been closed within 90 days or closed with a negative balance within the last 3 years. '' My last Chase account closure was in XXXX, which is more than 8 years ago, well outside the stipulated 3-year timeframe. 

The agent assured me that he would escalate this issue to the relevant team and that I would receive a response within 5 days. However, it has been more than 2 weeks, and I have not received any communication from Chase regarding this matter. It appears that Chase is not willing to honor their advertised promotion, which is both misleading and unfair. 

I kindly request your assistance in addressing this matter with JPMorgan Chase Bank , N.A . I believe that their refusal to honor the promotion as advertised is a violation of consumer rights and is causing undue financial hardship. I trust that the CFPB can help resolve this issue and ensure that consumers are treated fairly and transparently by financial institutions. 

I have attached a copy of the original offer email, as well as an email of both accounts open to support my complaint. Please let me know if there is any additional information required from my end to assist in the investigation of this matter. 

Thank you for your prompt attention to this issue, and I look forward to a resolution that upholds consumer rights and holds Chase accountable for their actions.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXXXXXX