23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was offered a home equity line of credit from USAA ( account XXXX XXXX ) on XX/XX/XXXX for {$120000.00} and on XX/XX/XXXX USAA has record in the loan history that I received a detail advance of {$120000.00}, however I have no record of where this detail advance went to or any recollection of where these funds are. I received a detail advance of {$2000.00}, on XX/XX/XXXX of which I paid back on XX/XX/XXXX. I later received a balance advance of {$200.00} dollars on XX/XX/XXXX. Around XXXX, USAA informed me that because of the housing market, my Home Equity Account had a hold on it and I could no longer borrow any money of of it. Since then I have made mostly interest only payments. There is a maturity date of XX/XX/XXXX on this account and there is still a hold on the account. Upon enquiring about the balance due, USAA recommended that I go back and look at my USAA checking account and see if the funds were deposited in that account. When I requested information on the USAA checking account in XX/XX/XXXX, USAA said that they could only go back 7 years. I have requested a review of the account with USAA via case XXXX XXXXXXXX but have not received any information as of this date. This amount of credit ( {$120000.00} ) has never been deposited in any of my checking accounts and I have never spent this amount of money from this home equity line of credit. I need to understand from USAA why I have a balance due of {$110000.00} dollars, and what will occur on the maturity date. The home that I received the home equity line of credit on now has a value of {$700000.00} dollars. The mortgage on this account is with XXXX XXXX XXXXXXXX ( account XXXX XXXXXXXX ). I have been a dedicated USAA member for 38 years, and I should receive an explanation of why I have this debt. Again, I have never used this amount of money from this line of credit. My USAA member number is XXXX. I understand that USAA is no longer in the home equity line of credit business. I appreciate your help with resolving this issue with me and USAA Federal Savings Bank. Sincerely XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

the consumer reporting agencies have been put on notice that they are reporting inaccurate information and refuse to delete claiming to have verified the information. they claim to have validated the information using statements and consumer credit contracts. they have never validated the alleged debt and are pursuing to attempt to collect a debt that has not been validated. 
the attachments are of my most recent credit reports which show that XXXX has deleted the account that I am asking to be validated not reinvestigated, yet Transunion and XXXX are in blatant disregard of there obligation to report accurate credit information pursuant to the FCRA. The term credit means the right granted by a creditor to a debtor to defer payment of debt or to incur debts and defer its payment or to purchase property or services and defer payment therefor. ( e ) The term creditor means any person who regularly extends, renews, or continues credit ; any person who regularly arranges for the extension, renewal, or continuation of credit ; or any assignee of an original creditor who participates in the decision to extend, renew, or continue credit. ( f ) The term person means a natural person, a corporation, government or governmental subdivision or agency, trust, estate, partnership, cooperative, or association. Also pursuant to FCRA 623 ( a ) ( 5 ) - if the credit bureau can not VALIDATE the information WITH THE ORIGINAL CREDITOR. They must remove the unverified account from said consumer credit file. In accordance with the Fair credit reporting Act 611 ( a ) ( 7 ) - this is not a request for the reinvestigation if the previous dispute ( s ). I am actually attempting to validate this debt. I want to know the method of verification used. Please answer the following questions pertaining to the accounts mentioned above. 1. Who is the original creditor? 2. The creditors address and telephone number 3. The persons name that they ( credit bureau ) verified the dispute with 4. The documentation used to verify the dispute If you are unable to provide this information in a timely manner the account must be deleted. Should you attempt to validate this information with deceptive forms pursuant to 15 USC 1692j
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a mortgage customer with XXXX XXXX XXXX. I paid my payment on XX/XX/XXXX, but it was reported lat to the credit bureau. I received a letter from XXXX and Signed Verification of Mortgage that it was corrected and that payment was made on-time. Then I filed a dispute with Equifax. They did not correct the issue and said XXXX had to. I called XXXX and they said that they sent an updated payment history. The next week I received notice from Equifax that the investigation was compete. It was not changed. The week of XX/XX/XXXX, I filed another dispute with Equifax to correct the issue. at that time they closed the investigation, did not make a change to the credit history, however, they then reported a second late payment on the account. I called to discuss my case, and they told me to fax a copy of the payment history from XXXX XXXX Loans. I sent that signed report and payment history during the week of XX/XX/XXXX. On Sat, XXXX I received an email that the investigation was complete. I then received a notice that my credit report changed on XX/XX/XXXX. They reported that they received from caliber was on XX/XX/XXXX. -which reported my last payment made in XX/XX/XXXX. They are now accounting XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as late payments. i then called Equifax to speak weith somneone in the dispute department. They told me that they only report what they receive from Equifax and not from me. I spoke with XXXX id # XXXX in the Escalation Department who  refused to allow me to speak to her supervisor, but said she would only transfer me to another supervisor in her department. I then spoke with XXXX id # XXXX who also refused to transfer me and terminated the call. 

I paid my XXXX Payment XX/XX/XXXX and XXXX and XXXX Payments XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Incorrect information getting exposed through several companies, including Equifax , XXXX XXXX XXXX, just the name of you
Product: Credit card

We signed up for a Southwest Airlines Rapid Rewards credit card through Chase Bank with the promise of XXXX Rapid Rewards points if we charged {$3000.00} on the card within the first few months. We did so, but only saw a little over {$10000.00} Rapid Rewards points added to our statement. When we finally reached out to Chase Bank, we were told that our inquiry was too late. We only had 3 months to request the additional XXXX miles and that time had passed. ( There was nothing in the agreement we received or signed up for stating that we had to call and request the points within 90 days or XXXX of them would be forfeit. Everything indicated that using the credit card would automatically add the points to our Rapid Rewards account ). 
I spent over 30 minutes on the phone with Chase -- my last conversation with a supervisor by the name of XXXX XXXX in XXXX XXXX ( he would not provide any additional identifier for himself ). We think that Chase should honor their agreement of providing a total of XXXX Rapid Rewards points for the use of this credit card, and should be admonished and fined for these " bait and switch '' tactics of promising one thing and then changing the terms of the agreement. 
Their advertisement of this deal can found using this link ; XXXX
Product: Credit reporting or other personal consumer reports

You are In Direct Violation of The Fair Credit Reporting Act ( Account Name & Number # ), has violated several of my rights. 
15 U.S.C 1681 section 602 A. Clearly states that 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 an account without my writlen instructions.

15 U.S.C 16668 : A creditor may not treat a payment on a credit oard account under an open-end consumer credit plan as late for any purpose.

Remove these late payments and update this account and this payments to current or made on time immedintely as you are violation of several laws under The Falr Credit Reporting Act.
Product: Vehicle loan or lease

I have a loan with WESTLAKE FIN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a terrific payment record with this company. I tried contacting the 3 Credit Bureaus with no successful resolution. There was definitely an error on their part. Investigate and update the current status to reflect accurately.
Product: Vehicle loan or lease

The car was paid off in the month of XXXX ( XX/XX/2022 ) in full. When I look on my credit report it shows a late payment for the month of XXXX. I have called them to fix it, but it has not been fixed as of yet. 
In accordance with the fair credit reporting act XXXX  account, 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 a account with out 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: Credit reporting, credit repair services, or other personal consumer reports

I have submitted a dispute through Experian about my report ( XXXX ) with XXXX XXXX. I payed off my account with them after a month ( XX/XX/2017 ) and left due to persistent technical issues. I transferred my number to another company at that time. When I contacted Experian about the issue again they said that XXXX does not have to provide any evidence showing I still have an account with them. Right now it is showing nonpayment for a time period that I have not had any business with the company. I am unable to dispute it further on there site since XXXX has said it is valid without any proof of me having business with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the fair credit Reporting act XXXX Account # XXXX, 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 a 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 purposeXXXX
Product: Credit card or prepaid card

Capital One has  blocked my access, except to make a payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

From XXXX - XX/XX/2023, I filed a dispute with XXXX, XXXX and Transunion about the unverified collection account of XXXX XXXX and XXXX XXXX. I have asked numerous times for investigation of these unverified accounts and after numerous attempts it continues to be reported on my consumer credit report by all three bureaus. So now I'm contacting the cfpb to step in and help me get this issue resolved from these bureaus about this inaccurate account as of today. Thank you
Product: Debt collection

Harris and Harris keeps calling an address that I havent lived at in years.
Product: Money transfer, virtual currency, or money service

Dear PayPal Support Team, I hope this message finds you well. I am writing to appeal the permanent limitation placed on my PayPal account, linked to the email address XXXX I firmly believe that this limitation is a result of a misunderstanding, as I am confident that I have not violated any of PayPal 's policies or engaged in any unauthorized activities. 

As a dedicated PayPal user for an extended period, maintaining a positive and trustworthy relationship with PayPal is paramount to me. I am fully committed to resolving any issues or concerns that may have contributed to this unfortunate situation. 

I kindly request a thorough reevaluation of my case, urging a careful examination of the circumstances surrounding the permanent limitation of my account. I am confident that this review will reveal an error or misunderstanding. I am ready to provide any necessary documentation or information to support my appeal. Reinstating my PayPal account would not only alleviate my current financial inconvenience but also enable me to continue using PayPal for secure and efficient financial transactions, just as I have done in the past. 

I deeply appreciate your prompt attention to this matter and kindly ask that you initiate the review process without delay. If specific documents or details are required from my end to facilitate this process, please do not hesitate to inform me. 

Thank you for considering my appeal. I eagerly await a swift resolution of this issue and the opportunity to resume using PayPal 's services. 

Sincerely, XXXX XXXX
Product: Debt collection

I sent a letter to Resurgent capital services ( LVNV funding ) about verifying a debt. They said the debt was verified but I noted on this paperwork I was charged interest on the old debt which I heard was illegal. I new at this and don't know who I'm supposed to speak to. Thank You
Product: Checking or savings account

JP MORGAN CHASE restricted my business account on XX/XX/2024 They denied me access to my funds and told on 3 seperate occasions that my funds would be returned to me.first they said they would send the funds back to the sender so I can have the funds within 3-5 business days so the funds could be redirected to my new account, then after3 weeks of not receiving any funds tehy told me a check was mailed out on XX/XX/XXXX and I will be receiving the funds within 10 -12 business days, It has been over 53 days since they seized my funds. This is my second complaint being filed with CFPB and XXXX  regarding this matter. Chase contacted me after the first complaint and assured me that the issue would be resolved. I still have not received my funds and i still have not heard from them since. At this point I am left no other choice other than to pursue legal action. I have already retained a lawyer to represent me. Chase has dispalyed that they do not care about small business owners such as my self and the tremendouse negeative effect thet witholding almost $ XXXX of my money is having on my business. I have lost allot of revenue, lost employees due to not being able to make payroll, I got behind on my bills and I had to take out loans in order to compensate for not having my funds available just to name a few of the effects this incident has had on my business. I will pursue to resolve this matter through my attorney and will also be contacting local news and media about this incident. CHASE needs to reimburts my funds and compensate me for damages to my business and my reputation.
Product: Mortgage

In mid XXXX I had requested that the PMI on my mortgage with Specialized Loan Servicing be removed. My home was completely renovated and have approx 60 % equity. My 1st request was in mid XXXX via a phone call. SLS then sent me a letter dated XX/XX/2021 stating that according to their research, I only have 16 % equity. The letter also stated that if I wanted to have a BPO or appraisal completed, I needed to fill out and sign the authorization included w/ the letter and fax or mail it back to them. I filled it in, completed the question about any major renovations/updates, signed it and faxed it back on XX/XX/2021. On XX/XX/2021 I called and spoke to XXXX at SLS. He confirmed that the authorization that I faxed was received on XX/XX/2021 and told me that it could take up to 30 days to review and if needed, a broker or appraiser would be in contact to schedule a time to look at the house. As of XX/XX/2021 I sent SLS a message through the message center explaining that I had not heard from anyone ( I thought I would have had a message or a call from an appraiser by this time ), and could they provide me an update. On XX/XX/2021 I received a message that they had received the authorization ( but no other update ). I sent a message back on XX/XX/2021 and asked for specifics on what was going on and when I should hear from someone. On XX/XX/2021 I received another message from SLS stating that a signed authorization was required before they could review the file and schedule a BPO/appraisal. Once again, I sent a message ( on XX/XX/2021 ) that the authorization was already sent and 2x SLS confirmed that it had been received. On XX/XX/2021 I received a message from SLS that a decision letter was sent to me on XX/XX/2021 and I should refer to the loan and document section to see a copy of it. There was no such document sent on XX/XX/2021 ( the letter was sent to me on XX/XX/2021, not XX/XX/2021 ). Based on the last 2 messages from SLS, I have to assume they aren't even reading my messages or looking into the request. It's been over 2 months since my request and I continue to get the run around from SLS and continue to have to pay the PMI on my mortgage. Even if I hadn't renovated the house, AZ property values have increased 25 % in the last 12 months in my area. I have sent them all docs required. My experience with SLS in the past has been similar. They do not address questions or issues in a timely manner.
Product: Mortgage

My husband was approved through our XXXX to be exempt from property taxes here in XXXX XXXX XXXX Va as he is a XXXX veteran. The problem is that Caliber home loans is continuing to take out the taxes, and will not adjust our loan to reflect the exempt status. I have called several time and each time they advise they will " open a new inquiry '' through their tax research dept. I am then advised to call back in a week because they are an inbound call center only. When I call back I enter the same loop again. I talk with someone who has no clue, am told they will open another inquiry, and I have requested to talk with a supervisor but am always denied.
Product: Money transfer, virtual currency, or money service

My Venmo account was suspended on XX/XX/24 for no reason. I was sent an email that requested my ID be uploaded for verification to restore my account. I provided the information immediately. It has been multiple days since then and my account is still suspended and I haven't not received any additional communication from Venmo. It is not possible to reach a support representative that can help you to resolve this issue or answer any questions regarding it. I have several XXXX dollars locked in my account. From my perspective Venmo is refusing to return my funds or help resolve this issue in any way.
Product: Mortgage

I closed on my mortgage on XX/XX/2022. In the closure agreement it states that as part of the closing cost, {$400.00} would be needed for the escrow account. There after {$220.00} would be charged per mortgage payment to go into my escrow account for taxes. To be clear, monthly principal and interest would be {$1000.00} plus {$220.00} for the escrow and {$44.00} for the home insurance would be charged for a lump sum of {$1300.00}. 
My payments started in XXXX and I have not missed a single payment. There should be a total of {$1000.00}. 

On XX/XX/2022, I received notice of a property tax for {$1100.00} due on XX/XX/XXXX. I contacted my mortgage lender and they affirmed that they will pay it. On XX/XX/2022, I received notice that the tax had not been paid. 

After going back and forth, they claimed that I had no money in the escrow account and the can charge me more and make the tax payment. However, my paper bills show that my escrow account was funded. 

I am reporting this because they have mishandled my escrow account in some manner.
Product: Debt collection

received a bill XX/XX/XXXX stating i owed {$500.00} dollars, no explanation of charges or what services were rendered or who originated them, i sent a couple of notes back to this person asking what the charges were for, no answer, finally i wrote on the bill if i didn't receive any information what the {$500.00} was for i would consider it a fraudulent bill, or more likely a scam, and don't send any more bills, they kept coming no explanation of what the charges were for, later received a communications from a collection agency sayin i now owed them {$500.00} no explanation of what the charges were for or who originated them, collection company was " express recovery services '' i then wrote them back stating i considered ti to be an invalid bill but would would be happy to pay the {$500.00} if they provided me the following information,, an itemized bill including the following : -service or merchandise that was provided -exact procedure that was performed -who performed the procedure -location of procedure -date and time of the procedure -reason for procedure i received no information whatsoever concerning this request later I received a letter from a so call attorney stating he was representing express recovery services, i again asked for the above information and received nothing. Concerning what the charges were for, enclosed with a second letter was a partial statement from some one unidentified showing i had paid them {$500.00} plus my insurance had paid them {$620.00} on the front of this statement they had written in paid {$400.00} in addition to that already paid, but nowhere was there any reference to me owing them {$500.00} i finally figured out who the originator of the debt was " XXXX XXXX XXXX '' where i had XXXX XXXX done in XXXX of XXXX, but i had never received a bill from them and verified everything had been paid, shortly there after i got a summons from the court i was being sued for the {$500.00} plus some additional charges the lawyer had arbitrarily added, i still was not told what the charges were for, i Don't know why they wouldn't explain the charges but i suspect they didn't know possibly because there was no record. 

i did pay the {$500.00} plus another {$120.00} for whatever because i was afraid of having a judgment against me, this has now effected my credit score. i didn't even know they were reporting this to them, i feel this whole thing has at best been a misunderstanding but more likely a way to use intimidation to get me to pay, as an XXXX XXXX XXXX i feel this is an attempt at elder abuse and should be treated as such i can provide added documentation if required
Product: Credit reporting, credit repair services, or other personal consumer reports

LCI LCI Consumer Center XXXX XXXX. XXXX XXXX XXXX, CA XXXX www.lciinc.com is reporting my bankruptcy records to TransUnion. They have obtained them to Transunion to furnish on my credit report as well as selling my information to others without my consent. This is unwarranted and illegal. I want them to STOP reporting my information to TransUnion and others IMMEDIATELY!!!
Product: Credit reporting or other personal consumer reports

I use to hold a credit card of XXXX  that was provided by wells fargo [ the account was closed by the bank ] but the report that was submitted to the bureau of credit that customer closed the account. I disputed the information direct with wells fargo on XXXX XXXX XXXX. And they send the information to the executive office but they only talk about they had the right to closed it, and I don't denied that but I am asking to fix the wrong information provided to the bureaus of credits, they event told me to go to court...