23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The builder of my home, XXXX, had a " special '' promotion when closing on a " qualified home '' they would pay up to {$28000.00} in buyers closing costs. Prior to closing on my new home, I asked for an explanation of why {$9400.00} of the builder paid closing costs had been moved to the builder ( seller 's ) side of the settlement statement because it looked to me like the mortgage company had done this to avoid XXXX  challenges. The mortgage lender, who was the ONLY mortgage lender I could use in order to qualify for this promotion, said it was just how the fees were assessed. I called BS because I used to be a XXXX XXXX and I know how these things worked. Basically, to avoid my closing costs being considered XXXX, they moved XXXX over to the seller 's side instead of providing me credit back from the seller for those OVERPRICED points. 
I'm REALLY angry at how builders can get away with this kind of " cornering the market '' with kickbacks from their " promo '' mortgage lenders. Why are mortgage lenders and builders allowed to do this? I was badly taken advantage of and want this investigated by the CFPB. There was NO reason my closing costs should have been over {$30000.00} on a {$370000.00} loan. If the " points '' had been included on my side as it should have been, my closing costs would have been nearly {$40000.00}- which is ABSURD considering I got a 6.25 % interest rate.
Product: Debt collection

I have tried to contact this debt collector numerous times and reported this to XXXX 4 times they did not investigate. 
This goes back to XXXX. The agency are trying to collect a debt thats not even associated with my name. I have a copy of the original tenant agreement that they are trying to collect on and it doesnt contain mine or my XXXX  signature. We did not sign any lease we lived there temporarily for XXXX XXXX while the tenants were away, then we left. As of recent this debt is showing up as a duplicate on my credit report i.e its being shown twice for the same amount. I sent the company a letter in XXXX asking them to furnish evidence of my name associated with the debt and they did not respond. Ive sent emails and duplicate letters which have also gone unresponded. But I recieved a letter offering me a discount on the total debt owed.
Product: Mortgage

On XX/XX/XXXX, my home was sold. Flagstar Bank, the mortgage service, was told repeatedly the sale was pending and assured me that all was fine. I received a settlement statement and forwarded the information to the title agency handling the matter. The closing occurred, I paid all fees due from me to settle the mortgage with Flagstar and on XX/XX/XXXX, while the payment process was occurring, Flagstar sent an escrow payment to XXXX XXXX, NJ for property tax. XXXX XXXX received property taxes from the title company for taxes and its been recorded with the township. As well, the deed is transferred. Flagstar is refusing to accept the wire of the mortgage payment due to an uncashed check, they sent. In addition, Flagstar is attempting to add the tax payment they sent but also interest because of their refusal to take the complete payoff. After numerous attempts to resolve this matter, via email and phone calls, Flagstar refuses to look into this matter. 
My last call was XX/XX/XXXX with a manager named XXXX. I have a transcript form XX/XX/XXXX of a chat conversation with a rep named XXXX, spoke to a rep named XXXX on XX/XX/XXXX, and called Flagstar XX/XX/XXXX about the closing and also called again on XX/XX/XXXX and XX/XX/XXXX to be sure there were no problems. At no time has Flagstar informed me of any issues until I saw an increase in the escrow payment after XX/XX/XXXX while the title agent was in touch with Flagstar.

I contend the Flagstar is attempting to obtain more fees from me instead of properly searching for a missing check and looking into why they are charging more money for a house that was sold. They have been given the names of workers in the township tax office, but refuse to call anyone about the check or their negligence.
Product: Credit card

I was preparing to make a {$4600.00} purchase from the store Crate & Barrel. I used XXXX to find out if there was any financial benefit for me in opening a Crate & Barrel credit card and using that for my large purchase. I found that I could earn approximately 10 % cash back if I used a Crate & Barrel credit card. I obtained the card from Synchrony Bank and made the purchase on XX/XX/2023. Almost a month later on XX/XX/2023, after I paid my first credit bill in full, I received an email notification that I had earned a {$460.00} reward certificate and that it expired approximately three months later, on XX/XX/2023. I assumed that this reward worked like other major credit card rewards programs and did not read the fine print in full. 

The fine print stated : " Valid for one-time use on merchandise purchases made with your Crate and Barrel Credit Card and XXXX Credit Card account and/or Crate and Barrel Mastercard and XXXX XXXX account ( Account ) at U.S. Crate and Barrel and XXXX stores and online at crateandbarrel.com and XXXX. Subject to credit approval. Not redeemable for Crate and Barrel or XXXX gift cards, gift certificates or any third-party gift cards. Not valid on past purchases. Rewards Certificates are not refundable or transferable for cash, credit, or other rewards. No photocopies or replications will be honored. Lost, stolen or expired Rewards Certificates are not replaceable. Rewards Certificates have no cash value and may not be redeemed for cash or its equivalent, and any unused portion will not be returned as cash. Rewards Certificates may not be used as payment on your Account. If the value of a purchase is less than the value of the Rewards Certificates being redeemed, then any remaining Rewards Certificates balance will be forfeited. Rewards Certificates are valid for 90 days from the issue date. '' On XX/XX/2023, I was shopping on Crate & Barrel 's XXXX app and selected {$110.00} worth of merchandise that I wanted to buy. From the app, I was able to select my rewards certificate as a form of payment and opted for in-store pickup. Nowhere in this purchase process did it state that I would be forfeiting the {$340.00} remaining of my rewards. A few days later as I made my way to the Crate & Barrel store for pickup, I checked the app to see how much remained in my rewards, and I was astonished to see that I had {$0.00} rewards remaining. I called the bank 's customer service line at XXXX and described the problem and asked how they could help me fix it. The customer service representative said she could not help me because their policy is that Rewards Certificates are one-time use only. I said that wasn't clear to me and asked if I could return my XX/XX/2023 purchase and get my full {$460.00} rewards back. She said that was not possible. I asked to speak to someone else, and she connected me to a supervisor. He said there was absolutely nothing they could do, that I had used my Rewards Certificate and under no scenario could a certificate be reinstated.
Product: Mortgage

Chase selected XXXX Appraisal to set a value on my home at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az XXXX in early XX/XX/2018. The appraiser failed to consult the entire XXXX XXXX XXXX and misinterpreted data on other transactions. The result was an erroneous calculation of {$310000.00}. The errors were thoroughly documented by XXXX XXXX of XXXX on XXXX. The correct value is {$330000.00} as documented by local professional realtors and the valuations of national real estate data bases. Despite all of this evidence on XXXX Chase arbitrarily rejected the correct value. This has compromised the potential resale value of our home by {$23000.00} and we demand restitution in that amount.
Product: Credit reporting

While checking my personal credit report, I noticed an unauthorized and fraudulent credit inquiry made by XXXX XXXX on or about XX/XX/XXXX on Equifax. I did not authorized anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. 
I have requested that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus immediately and have them remove the unauthorized and fraudulent hard inquiry immediately. I also requested that they remove my personal information from their records. My Social Security # is XXXX and my Date of Birth is XX/XX/XXXX in case it is needed to locate the fraudulent inquiry in their system.
Product: Credit card

My Chime account who is issued through XXXX was used to make many fraudulent charges. Chime was supposed to look into the dispute and they denied my claim less than XXXX hours after filing it. They did not look into the claim at all. Due to the fact that I had used the website in question in the past, the claim was denied. My using the site in the past has no bearing on if these charges were made fraudulently. I asked for the documentation that was used to determine the denial and all I was sent was the information that I gave them, there was no documentation that they had gathered. The charges accumulated over XXXX and XX/XX/2023 and totaled over XXXX. I do not understand how a claim can be denied without properly investigating it.
Product: Checking or savings account

This is an update to complaint XXXX, chase states XXXX I was unable to complete the verification process when it was not my information they were inquiring, it was the endorser who did not provide acceptable verification, an individual who did not have a bank account with chase. And on the next few visits we were assigned a XXXX representative, which switched languages between us, we both speak and understand XXXX, however I do not speak or understand XXXX I assume that was a resolution to the discrimination accusation. 
The way the issue had resulted was the person who did not pass your verification process, and also had a account set up by one of your branch members with a invalid document had an an account closed then reopened so that the check could be recovered and deposited into their account, the branch member placed a call with the buisness that originally wrote the check, who by the way is a law firm, and ask them if they could retract the check so they could retrieve it from a closed account. The next visit the endorser provided additional verification, the same passport and a debit card, after bringing a birth certificate, phone bill, a prepaid debit card released the check to me and even though I had all the necessary verification I had a valid id two credit cards and a history of XXXX years with chase my account was closed, but the person who didnt provide verification acceptable in time, your branch set up an account with invalid information closed and then reopened and then your branch even tried retrieving the check by retracting it? It took two weeks to receive a cashiers check and when we went to the issuing branch they refused to cash it, they didnt say we couldnt cash it today and setup an appointment or offer another solution it was flat out denied they told me to endorse it to back to the person who originally endorsed it to me so they could deposit it.I was told once the issue was resolved they would reopen an account for me, which I had opened another with another bank already, but I had been told several times I could no longer bank with chase and when I asked for my statements I was provide one month, I need at the the last 6 I had disputes and proof of payments that because my account was closed due to?? I was under the impression that if a check is endorsed to you you are taking responsibility for it meaning I taking ownership would need to be the one you focus on the check wasnt an issue identification for me wasnt an issue but you felt it was necessary to close my account and open one for the person who the actual verification issue was with what sense does that make I think that deserves some better reason than for what ever reason you can close accounts it would have saved a lot of hardship and issues if you would have just refused the check to begin with you refused to cash your own cashiers check without hesitation i expected a little more customer appreciation for the amount of years I kept a good standing account and on time paid credit cards I even started my kids accounts
Product: Credit reporting or other personal consumer reports

I sent a letter asking for verification of a debt on XXXX XXXX and mailed it certified, return receipt requested. I tracked the letter via the online United States Postal Service website and noticed that Midland Credit Management , Inc. received the dispute letter on XXXX XXXX. It is now XXXX XXXX and I have not received a response from the agency. From my understanding, the Fair Credit Reporting Act, Section 611 ( a ) ( 5 ), says a company has 30 days to investigate disputes.
Product: Credit reporting or other personal consumer reports

Transunion XXXX XXXX are reporting this account as a debt that I owe that is incorrect. I have previously disputed this account previously and each time it is stated that it is verified but thats not true. Now this will be my final attempt at getting these XXXX companies to follow law as it is outlined. I deny each and every claim that I am indebted to any financial institution. The fact is XXXX XXXX XXXX XXXX received a security from me which is a receivable off books so they XXXX securitize it. If XXXX XXXX XXXX took an assignment of said security then they would be required under federal law to file a XXXX XXXX financing statement to prove possession of the account. This complaint will become an official part of record for any future court hearing I decide to pursue. I do not owe you a debt and you can not prove otherwise. I will give you 14 days to remove this collection or I will summons both companies to a federal court where the individual representing each party with need to swear in to attest to the fact you stated in your reply. I will not be extorted or bullied into paying a collection account that is fraudulent by the law.
Product: Checking or savings account

I am a Capital One customer and I have not received my direct deposit from my employer on XX/XX/year> they said it would be in my account at XXXX on XX/XX/year> still no deposit and I have bills that are on auto-pay thats trying to come out.
Product: Debt collection

On XX/XX/XXXX somewhere in New York at the store XXXX XXXX XXXX a lease was applied for in my name using an email and phone number that is not mine. They applied for a lease through the company Acima, a lease to own company in my name. They also used an address in New York and I don't live in, never traveled to, or been in the state of New York-I live halfway across the country. I am now in default of this lease and it is negatively impacting my credit score and is now 60 days past due and is in collections. 
I contacted Acima today, on XX/XX/XXXX and Acima will not help me dispute this. They told me to contact the credit bureau reporting it, that is helping but I need this taken off of my credit report. Acima is doing nothing to help me and it took 3 phones calls and 3 representatives to even get the name of the vendor : XXXX XXXX XXXX, they weren't going to release it to me. I also had to beg for an email address that isn't tied to me at all. They treated me like the criminal. 

ACIMA Account XXXX XXXX Date opened XX/XX/XXXX Balance as Balance updated XX/XX/XXXX {$5900.00} Original balance {$5400.00}
Product: Checking or savings account

XXXX  From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXX Complaint : Negligent action by Bank of America and possibly XXXX XXXXXXXX XXXX in handling the fraudulent act by the partyXXXX XXXXXXXX to whom the check was made out to causing us a loss of {$1800.00} Dear Sir : We were defrauded by XXXX XXXX, who was hired by us for some paint job . A check # XXXX for {$1800.00} from Bank of America ( BOA ) checking account ending with XXXX was issued to him on XX/XX/ in the evening after XXXX XXXX 

He cashed the check same evening using a mobile deposit using XXXX XXXX account without an endorsement. Next morning on XX/XX/ he went in person to BOA branch to attempt to cash the check again. Although, BOA teller did not cash the check, the bank should have known that the check # XXXX was already cashed and hence the bank should not have returned the original check back to XXXX XXXX. 

XXXX XXXX returned our original check back to us and demanded cash instead, as the Bank would not cash our check for him. We contacted the BOA branch office, ( when XXXX XXXX was present in the bank ) to inquire as to why our check was not being honored, we were not provided satisfactory answers. That left us no alternative but withdraw the funds ourselves and give him cash. 

The bank should have aware that the check was already cashed through mobile deposit as per its posting seen on monthly statement. BOA failed to let us know the cause of not cashing our check. 

We were shocked to see that the check was cashed when we got our monthly statement on XXXX  We promptly called the fraud line of BOA and lodged a complaint with check fraud department. Complaint # XXXX. We also lodged a complaint with BOA branch in XXXX California. 

Reviewing the images of the check on our monthly statement clearly shows that the check was not endorsed ; it was submitted as a mobile deposit at XXXX XXXX bank on XX/XX/ and it was posted by BOA on XXXX 

We feel the both Bank of America and XXXX XXXX banks were negligent in their operation. 

Inquiring with the BOA on XXXX, we were told that they have received all the necessary documents from us and inquiry is in progress. 

I believe it is systemic issue that someone can cash a check through mobile deposit in the evening and then go to the bank in person next day and try to cash the check again without the bank not catching it. 


Please look into the matter and see if we could be made whole on our unwarranted loss. 

Sd/- XXXX XXXX Filed Online.
Product: Credit reporting or other personal consumer reports

Trans union received an in the mail dispute for the following accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX  These account had already been removed from other reporting agencies and Im still waiting for Transunion to update the file to reflect accurate information. Dispute was sent certified main and signed XX/XX/year>. Attached is the certificate verification for the mail they received. Trans union failed to run investigation in the correct time frame, failed to dispute accounts as mail had stated needed to happen, failed to run any investigation on file and failed to tell me the status of investigations. I received no return mail form trans union and they have not updated my file with these field removed. All of the following are FCRA regulations broken and even while the company continues to say they are meeting FCRA standards then continue to violate my personal FCRA STANDARDS over and over and over again. Due to extreme negligence THESE FILES SHOULD BE REMOVED IMMEDIATELY. Both due to the multiple failures for the past 13 months and the fact that they never ran disputes after receiving information
Product: Credit reporting, credit repair services, or other personal consumer reports

This company is reporting inaccuracies on my consumer report. I have tired to resolve this issue with the company mentioned in this complaint. They are continuing to report late payments on the fallowing account. 
The company on mentioned is violating my rights under 15 U.S. Code 1666b - Timing of payments & 15 U.S. Code 1605 - Determination of finance charge Ive attached a copy my consumer report with these inaccuracies below with my ID, bank Statement and tax return ACCOUNT NAME : AXXXX XXXX XXXX ACCOUNT # : XXXX ACCOUNT NAME : XXXX XXXX XXXXXXXX XXXX ACCOUNT XXXX : XXXX ACCOUNT NAME : XXXX - XXXX XXXX XXXXT # : XXXX I also sent these companies certified mail in dispute and they do seem to take care of this notice. Below is attachments of the certified stamps, consumer report, ID, XXXX, Bank statement. 

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

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 
XXXX XXXX XXXX XXXXXXXX Balance : {$400.00} XXXX XXXX XXXX XXXXXXXX Balance : {$23000.00} XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect Personal Information Incorrect. 

Correct Information Below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX, LA XXXX Date of Birth : XX/XX/XXXX Please delete all other information that is not the above information.
Product: Credit reporting

My wife and I applied for a home loan through a major bank. To our surprise, there were XXXX ( XXXX ) accounting errors, and a bill for a person that is not me. 1. Tax Lien {$1600.00} My tax debt was settled XX/XX/XXXX, the balance is {$0.00} and it is paid in full, this should have been removed over 7-month 's ago. 2. Child support monthly payment {$660.00}, my daughter turned XXXX XX/XX/XXXX, my support was reduced to {$150.00}, this should have been corrected over 3-years ago. 3. My name is XXXX XXXX, I have no idea who XXXX XXXX XXXX is, this person 's credit history should not be connected wit mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting at, this creditor has violated my rights. 15 USC 1681 section 602 States I have the right to privacy. 15 USC 1681 section 604 a ( 2 ) States consumer reporting agency can not furnish an account without my written instructions. 15 USC 166 b state 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: Credit reporting, credit repair services, or other personal consumer reports

Tried to contact this company Credit Collection Services multiple times and asking for debt validation and have yet to receive any response
Product: Credit reporting or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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