23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/XXXX XXXX XXXX XXXX in violation of CFPB Consumer Laws and Regulations CFPB Deceptive Acts or Practices Definition : ( XXXX ) The representation, omission, act, or practice misleads or is likely to mislead the consumer. 
Loan Type : XXXX XXXX XXXX XXXX Claim No. 
Complaint : We received a loss draft insurance check in the amount of {$33000.00} from our XXXX XXXX for internal home water flood repairs that occurred on XX/XX/XXXX. Check was issued to both us, and PHH Mortgage Services and requires signatures from both parties. On XX/XX/XXXX, I spoke with XXXX, a PHH Mortgage Officer in regard to having the check endorsed and she informed me that any amount under $ XXXX would be endorsed & released in full by PHH. Per XXXX 's instructions, I forwarded the check to PHH Mortgage Services, Attn : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX TX XXXX for endorsement. 
PHH received the check on XX/XX/XXXX, and refused to endorse and returned it unendorsed. On XX/XX/XXXX, I spoke with XXXX, also a PHH Mortgage Officer inquiring on XXXX endorsement refusal and she confirmed all loss drafts under $ XXXX would be endorsed a & released. Again, on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage Officer and she also confirmed that under $ XXXX statements were accurate. Finally on XX/XX/XXXX, I spoke with XXXX, another PHH Mortgage XXXX and he confirmed through XXXX XXXX XXXX monitored for quality assurance and training purposes, confirmed that the statements made by PHH Officers XXXX, XXXX, and XXXX were indeed made. Upon this confirmation by PHH Officer XXXX, I again forwarded the check to PHH for endorsement which they received on XX/XX/XXXX, and once again was denied and returned unendorsed. 
This act of verbally misleading us is considered a deceptive act and is in violation of federal and state laws and regulations, that have caused my family much XXXX XXXX XXXX XXXX XXXX. Here we are today XX/XX/XXXX, over XXXX months after the fact and after uncountable and numerous phone call conversations, written letters, and pleading with PHH officers on the urgency of our situation, we are still inconvenienced without completion of repairs. 
PHH Mortgage Services has a history of numerous unethical violations that have harmed consumers as this article exemplifies ; CFPB Takes Action Against PHH Corporation for Mortgage XXXX XXXX, dated XX/XX/XXXX. 
Summary As long-established homeowners of this property, our objective is to facilitate the long-delayed repairs, avoid any further PHH violations, have the necessary funds on hand to complete the repairs, get our family home back to normal, and upon completion grant PHH Mortgage Services access for final inspection and approval.
Product: Debt collection

On XX/XX/18 XXXX called my Uncle to discuss my debit. Not sure how they got his phone number, but I never gave it to them.
Product: Credit reporting or other personal consumer reports

account # XXXX Fay Servicing LLC reported a {$540.00} balance increase that caused my credit score to drop XXXX points.This is a personal loan not revolving credit each month my balance decrease not increase this is inaccurate reporting on my report. 

Account # XXXX XXXX reported {$7.00} increase on my report which caused my credit score to drop XXXX points when in fact my balance decrease.
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/XXXX, I closed my accounts with XXXX and no longer had access to online billing or being able to see copies of my bills. I also no longer received any goods or services from XXXX. I was told by XXXX before I closed the account that I would receive a final bill approximately 60 days after the fact. XXXX sent numerous emails to me about amounts owed, but no final itemized bill. I discussed the fact that I had not received a bill and gave them a current address multiple times, yet they still refused to send me a copy of it. The amount owed, according to XXXX, continued to increase, in spite my no longer receiving services from them. I disputed them amount owed with them via telephone and was told then were working on it. Then it was sent to XXXX XXXX XXXX, which said they sent me a letter of validation but that it was returned because of incorrect address. I again gave them a current address but they did not send another letter. They then placed the item on my credit reports in XX/XX/XXXX, with the incorrect amount that I had been disputing with XXXX since XX/XX/XXXX. I sent in yet another letter of dispute to XXXX, XXXX, and all credit reporting agencies. It is still listed on my credit report as with XXXX, even though the debt has not been legally validated. Further, today I received a letter from XXXX, stating they were hired from XXXX after the dispute and asking me to validate the debt. I am responding with a letter disputing the amount and validation of the debt, citing that i have YET to receive an itemized final bill from XXXX. This is illegally on my credit report, as the debt has not been validated by the original creditor or the collection agencies engaged by them.
Product: Credit card or prepaid card

On Tuesday, XX/XX/2022, I was booking roundtrip flights with XXXX XXXX on their website from XXXX XXXX to XXXX. When I got to the billing summary page an offer from Chase British Airways Visa Signature Credit Card popped up offering a {$500.00} statement credit for applying for the card and using it to pay for the airline tickets. I submitted my application and was approved on the spot with no delay. I called Chase XXXX Customer Service requesting an expedite on the delivery of the credit cards so I could use it to book the round trip flights. I also confirmed with the Customer Service Rep that I would receive the {$500.00} credit promised since it was published on the XXXX website. I received the cards on XX/XX/2022 and I booked the flights that evening. On Thursday, XX/XX/2022, I received the Chase XXXX monthly billing statement with a payment due date of XX/XX/2022 and there was no credit applied. I called XXXX Customer Service and was instructed to go on their website and submit an inquiry which I did. On Tuesday, XX/XX/2022, I received a confirmation that the inquiry was received and it was being directed to the appropriate department. It said I would receive and response within 5 days. I received a response today, XX/XX/2022, and it states that XXXX does not show that I applied for the statement credit offer on British Airways website. They apologize to advise the offer that I am requesting is not available for matching. As a result, it can not be manually liked to any account.
Product: Money transfers

After successfully verifying my account that I had recently opened with Skrill, I was able to transfer money ( about {$500.00} ) in to the account ( from my regular bank account ), but all of the payments I attempted to make were denied by Skrill. I called numerous times while trying to make one payment because the transaction was being declined- twice I was told everything was all set and to try again after a few minutes and after the third phone call, I was told I 'd have to wait 24 hours to try again because I had made too many attempts. The next day, Skrill closed my account without explanation, even after I asked, and they have yet to refund my account balance ... .it 's been over a month. When I called, the person I spoke with told me that she needed to look in to my account and would email me with information about my account balance. She emailed, said it was sent back to my bank account, but did n't give the date as I requested. I responded and asked for the date the money was sent back and received no response back. I have emailed multiple times without response.
Product: Checking or savings account

Chase extended me an offer to open a new Savings account, which had to be opened in a branch. 

The terms of the offer and of the account state that I need to fund my account with {$15000.00} of 'new money ' that's not already in an existing Chase account. I also need to keep a minimum daily balance of {$300.00} or I'll be charged a monthly service charge. 

Chase is preventing me to fund my account for the requested amount from an external bank account, and thereby preventing me from fulfilling the obligations they've imposed on me. 

- I linked an external account online, completed the trial deposits, and initiated the transfer. 
- Chase blocked the transfer, removed all of my online access to my checking and savings account and had me call in - I called in, and was told that a 3 way bank call was needed with my external account. Since the external bank was closed that evening I was told the only way I can get access back to my checking account was to cancel this transfer. Hence Chase was not only blocking the transfer in question about also my access to ALL of my funds. I therefore asked the agent to cancel the transfer to I could pay my bills. He asked me to call back to initiate the transfer when the external bank was open. 
- 2 days later I called Chase to be able to do a 3 way bank call and was told that I first had to initiate the transfer online and to call back - I went online to re-initiate the transfer, but the external account which I PREVIOUSLY connected is no longer in the system. 
-- >I now need to re-enter my external bank information, wait 1-2 days to do trial deposits, go back online to initiate the transfer, which for the transfer to block access to all of my bank account and money, call Chase to do a 3 way call with my other bank ( within business hours ) and THEN I WILL HAVE FULFILLED MY OBLIGATIONS to prevent getting a 'service ' fee. 

This is UDAAP. Imposing terms and putting customers through unreasonable hoops in order to fulfill them. 

And the cherry on top, is that if Chase actually looked at my Checking account activity they could CLEARLY see that I have the liquidity, am not laundering money ( ie. the transfer is completely in line with past transaction history ), AND should see that I've been sending money from Chase to XXXX. But when I try to give Chase back some lost business, they won't take it.
Product: Credit reporting or other personal consumer reports

I sent telechek a letter on XX/XX/2023, a hard copy of check. It is now XXXX XXXX, XXXX and no response from telecheck. 
Thanks XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have looked over my credit report and notices some errors. I sent a letter to Experian, XXXX and XXXX and have not hear anything back and it is beyond 30 days. I also noticed on my XXXX report I have a duplicate collection. I have sent in several letters to investigate and I have not been getting a response. please look into this matter as it is crucial to me as I am buying a home. I have attached some letters I have sent XX/XX/year> I also sent direct letters to creditors.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed these accounts inwhich still remains on my report. In my dispute I've requested the Method Of Verification inwhich I have yet to receive. So now I'm requesting that these accounts be removed from my report as stated in the FCRA. The accounts are as following, ( 1 ) XXXX XXXX XXXX {$750.00}, ( 2 ) XXXX   XXXX XXXX  Info. ( 3 ) Bankruptcy, ( 3 ) XXXX  XXXX XXXX/ XXXX XXXX XXXX, XXXX, ( 4 ) XXXX/ XXXX XXXX XXXX XXXX , ( 5 ) XXXX XXXX XXXX XXXX XXXX , XXXX, XXXX, also them dates they're reporting are wrong.
Product: Debt collection

XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX XXXX  Revolving with account # XXXX opened on XX/XX/XXXX and a balance of {$1500.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX Open Account with account # XXXX opened on XX/XX/XXXX and a balance of {$300.00}. 
I previously disputed this account stating : ''This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
XXXX XXXX XXXX Installment with account # XXXX opened on XX/XX/XXXX and a balance of {$9700.00}. 
I previously disputed this account stating : ''I dont remember ever being late with a payment on this account. Please provide statements and records of all payments made and missed since I opened this account. ''. I don't agree with the results of your investigation. Please mail me the proof of your investigation and proof of the negative payment status for this account, or delete the negative information in this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible. Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect
Product: Credit card or prepaid card

I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 FOR 30 DAYS LATE???? HOW? 

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. When i confirmed with them Macy 's stated that they had sent it to the wrong address. Please correct / update for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau date the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX On XX/XX/23 I submitted a ftc report and dispute to Experian, XXXX, XXXX stating that I need to get this removed an alleged account from my consumer report. I have not received a response nor has national credit system complied with my request. this is a violation of 15 U.S Code 1681i ( 6 ) ( A ) and 15 U.S. Code 1681i ( a ) ( 1 )
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Dispute of Inaccurate Late Payments XXXX XXXX XXXX  Account # XXXX Dear CFPB, I am writing to formally dispute the inaccurate reporting of late payments on my XXXX XXXX XXXX account ( # XXXX ) as reflected on my credit reports from TransUnion, XXXX, and XXXX. These inaccuracies are unjustified, and I am requesting your assistance to ensure compliance with the Fair Credit Reporting Act ( FCRA ). 
Account Details : Account Information Across All Bureaus Account Number : XXXX High Balance : {$19000.00} Monthly Payment : {$330.00} Account Type : Auto Loan Account Status : Open Payment Status : Current Summary of Discrepancies : XXXX XXXX Late payments reported for XX/XX/XXXX and XXXX XXXX are incorrect. 
XXXX and TransUnion : Late payments reported for XXXX, XXXX, and XX/XX/XXXX and XXXX XXXX, as well as XX/XX/XXXX, are incorrect. 
Reason for Dispute : These late payment reports are inaccurate and inconsistent with my actual payment history. To the best of my knowledge, all payments for this account were made on time and according to the agreed-upon terms. 
It is my understanding under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ) that consumer reports must not include inaccurate information or information solely reflecting transactions between the consumer and the reporting entity unless verified as accurate. 
Additionally, per the FCRA, credit reporting agencies are obligated to ensure the accuracy and completeness of reported information. I have previously disputed this information with the credit reporting agencies, but the errors persist. 
Request for Resolution : I kindly request that the CFPB intervene and ensure compliance with the following : Conduct a thorough reinvestigation of the reported late payments for the periods in question.

Update my credit reports to accurately reflect my payment history as " Paid As Agreed, Never Late. '' Provide me with a written description of the investigation process, as required under 15 USC 1681i ( a ) ( 7 ), within 15 days of completing the investigation.

If you can not verify the accuracy of the reported information, promptly delete the late payment records as mandated by the FCRA.

References to Legal Obligations : 15 USC 1681i : Requires consumer reporting agencies to ensure that disputes are handled with due care and that results are promptly communicated to consumers. 
15 USC 1681s-2 : Prohibits the reporting of inaccurate or incomplete information.

15 USC 1666 ( b ) : Establishes that periodic statements must be sent in a timely manner and include all legally required information. 
Conclusion : I expect this matter to be resolved within the timeframe specified by the FCRA. Failure to address these inaccuracies promptly and thoroughly will be considered a violation of my rights under federal law. 
Thank you for your immediate attention to this matter. Please confirm receipt of this dispute and keep me informed throughout the resolution process. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts and inquiries below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

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 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. 

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

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 1. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

2. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. Did not consent to unauthorized inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. Did not consent to unauthorized inquiry XXXXXXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

9. Did not consent to unauthorized inquiry XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

10. Did not consent to unauthorized inquiry XXXX  Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

11. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX XXXX inquiry : XX/XX/XXXX Please remove it from my credit report. 

12. Did not consent to unauthorized inquiry XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

13. Did not consent to unauthorized inquiry XXXX  XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report.
Product: Debt collection

I have never received information regarding my original debt from this agency despite attempts to have it sent to my house. I only know of two accounts due to pulling my current credit report. I will not acknowledge debt unless original debt is validated through statement provided by original company, as is my right.
Product: Credit reporting or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct.

In the results of your first investigation and subsequent reinvestigation ( s ), you stated in writing that you verifiedthat this item is being reported correctly? Who verified this item? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( a ) ( 5 ) ( A ) of the FCRA you are required to ... promptly CORRECT or DELETE all information which can not be verified.

Section 616 and Section 617 provide me with a remedy which Im about to seek. You are willful non-complying with the FCRA.

Since you claim youve verified the item listed below I wanted to confirm my thoughts and contacted the company directly. They did not provide me with any verifiable proof. So, my question comes up again, WHO VERIFIED THIS ITEM? I believe you have not verified this item based on Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) & I will be seeking a legal remedy. XXXX XXXXXXXX XXXX XXXXXXXX