23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I opened a new mortgage with Chase bank, and I then tried to sign-up for the Chase Cash Back Advantage program which offers a 1 % rebate when setting up automatic payments from a Chase checking account : XXXX was told that I am not eligible for this program since my mortgage originated with a mortgage broker. 
The offer very clearly says " Mortgage Cash Back works with any new Chase mortgage or refinance. '' yet the bank referred me to fine print that says " This offer is only available for new, residential first mortgage purchase and refinance loans submitted directly to Chase. " Since my mortgage originated with a broker, I was told that I was ineligible. 
I believe this is deceptive advertising as the offer clearly states " ANY new Chase mortgage '' [ emphasis mine ], not " some '' or " eligible '' Chase mortgages. If a bank is able to clearly advertise XXXX thing, and then contradict itself the fine print of the terms and condition, there is no limit to the deception that would be permitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX, Equifax and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The account listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Last month, on XX/XX/XXXX, I filed a complaint regarding my escrow overage and property taxes ( XXXX ). In the companies response, they stated that they have processed my account as tax exempt and updated the escrow. On XX/XX/XXXX I sent a message stating that a refund in the amount of {$940.00} was mailed from the taxing authority and asking how long it would take to process. I received no response. On XX/XX/XXXX the mortgage company received a refund for XXXX property taxes in the amount of {$940.00} from XXXX XXXX. Instead of refunding the overage to me, which they stated they would do, they put the money into escrow. I was informed that they will not refund the money to me until they receive the refund from the other two taxing authorities. I informed them last month that I already received the money as it was sent directly to me. I informed them of this again today and was still told that they are waiting on it and the research team will follow up on XX/XX/XXXX. 
This is message I received : The tax lines have been updated with your Full Tax Exemption for the XXXX and XXXX tax years. A refund in the amount of {$940.00} was received from XXXX XXXX for the XXXX tax year, installment. The funds were placed into the escrow account. We are still pending a refund from the tax office to be placed back into the escrow account for the remainder. The next follow up will be XX/XX/XXXX, nearly three weeks after receiving the money. Enclosed is a copy of the Escrow Account Disclosure Statement, generated on XX/XX/XXXX, for your records. 

Even though they acknowledge that I am tax exempt, they are refusing to refund the money. Again they are violating RESPA section 10. They are intentionally and knowingly creating an overage in my escrow account and refusing to process the refund of the money again. I do not understand why it is such a difficult process to have my money refunded in a timely matter, especially when the amount is so high. XX/XX/XXXX isn't even a completion date, it's a follow up date. Since the last complaint, I have sent all correspondence regarding this matter through their online account messaging.
Product: Debt collection

5 or 6 years ago we had a personal loan with USAA FSB. When I became dis-abled and went over 1 year with no pay. I worked with all our creditors to include a personal loan with USAA. This particular loan I worked with USAA until the loan was to a point they could charge it off. At that same time USAA shared with us that not to be surprised if a debt collector buys the charge off and will do everything to collect from you. USAA was correct a collection company named XXXX XXXX came after us. I was not aware of my rights at that time but XXXX negotiated and agree to an amount and payment plan. We set up auto payments and this went un-noticed until XX/XX/year> when the auto payments stopped. After making some inquiry 's I learned XXXX was no longer trying to collect. Since then a new company XXXX XXXX has been threating us, sending letters and numerus spoofing phone calls. In order to dispute this with XXXX we sent them all the documents as that we had from XXXX. They replied my dispute lacks specific facts. I have called them and emailed them and now they are starting to harass us again with letters and phone calls. we feel this has turned into harassments now. 

Also I talked with USAA and learned they have nothing to do with this. I have been a member of USAA for over XXXX  years. I was told as they were concerned this issue was resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

After several attempts to have this issue resolved, I received statements on my credit report that the dispute was not specific and updated. How was the disputes updated if they were not specific? I have not received debt validation on the following accounts : -XXXX XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX -XXXX XXXX XXXX XXXX XXXX XXXX The credit bureau has not satisfied it obligation to provide the information requested.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Subject XXXX Formal Dispute of Inaccurate Payment History and Delinquent Information Dear XXXX XXXX Dispute Department XXXX I am writing to formally dispute inaccurate and misleading information reported on my XXXX  XXXX account, which appears on my credit report. The disputed information pertains toAccount Number : XXXX ], and includes incorrect payment history and delinquency records. 

Upon reviewing my credit report from [ Credit Bureau ( s ) XXXX, XXXX, and/or TransUnion ], I noticed the following errors : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Of negative payment history. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681s-2 ), furnishers of credit information are required to report accurate and complete information. Additionally, under 15 U.S.C. 1681i, I have the right to dispute inaccurate information, and XXXX XXXX is obligated to conduct a reasonable investigation. If the information is found to be inaccurate or unverifiable, it must be corrected or removed. To support my dispute, I have attached the following : A copy of your credit report with the disputed items highlighted. I request that XXXX XXXX : 1. Conduct a thorough investigation into this matter.

2. Provide me with documentation verifying the accuracy of the reported information.

3. Correct or remove the inaccurate information from my credit report if it can not be verified. Failure to comply with the FCRAs accuracy requirements may result in legal consequences, including liability for damages under 15 U.S.C. 1681n and 1681o. I request a written response within 30 days of receipt of this letter, as required by law.

Please address this matter promptly and confirm the resolution in writing. If you need additional information, you may contact me at the phone number or email address provided above. 

Sincerely, XXXX XXXX
Product: Mortgage

We 've started working with this company called CMS ( Customized Mortgage Solutions ) via a broker named XXXX XXXX XXXX on XXXX XXXX and submitted our application on XXXX XXXX. We provided all info they needed and the initial closing date was XXXX XXXX. They missed the due date which was XXXX XXXX to get us the loan commitment letter and ordered appraisal after XXXX XXXX. We kept emailing about the appraisal schedule since it 's a XXXX family house and both units are occupied by tenants which we already informed them several times. Eventually we heard back from our agent that the appraiser went to the property without any appointment or notice on XXXX XXXX and could n't see the inside. They requested re-visit fee and we denied at first because it was n't our fault, but our seller 's agent said she would cover the fee and CMS ask me to pay with my credit card since it 's under my name. So I gave them the authorization and I figured they charged on mine & the seller 's agent, which was double charged. 
After the appraisal, the report took more than 2 weeks and after we got the report I found they put the wrong picture in XXXX page & wrong floorplan sketch with wrong sqaure footage on XXXX page which they made the property half of the size. 
I requested to fix this more than 4 times via email over 5 days and CMS never replied on anything. We finally decided to move with another company and let the lender know and requested a refund on the wrong appraisal report & re-visit fee but all they said was they have no control. I asked my attorney about this and he said CMS should refund the money if the report is wrong.
Product: Credit reporting or other personal consumer reports

Under 15 U.S. Code 1692g ( Validation of debts ), 15 U.S. Code 1681s2 ( Responsibilities of furnishers of information to consumer reporting agencies ), and 15 U.S.C. 1681e ( Compliance procedures ), all information reported on my credit report must be accurate, complete, and verifiable. Additionally, under 15 U.S.C. 1666b - Timing of payments, creditors must follow specific timing rules for payments to avoid wrongful reporting of late payments.

Moreover, according to 15 U.S.C. 1692d ( XXXX XXXX XXXX ), as implemented by Section XXXX ( a ) of the FDCPA, a debt collector is prohibited from engaging in conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. I have experienced harassment from this creditor, including frequent and aggressive phone calls as well as threatening letters sent to my home. 
The specific inaccuracies I have identified include : XXXX. Account XXXXumber Discrepancy : The account number provided is inaccurately reported compared to other sources. 
XXXX. Account Status : The account status is inconsistent across different records. 
XXXX. Date Opened : The " Date Opened '' information does not align with the records provided. 
XXXX. Payment History : The payment history reported is inaccurate, and I am also facing harassment from the debt collector, including frequent phone calls and threatening letters sent to my home. 
Given these inaccuracies and the XXXX experienced, I am requesting a thorough investigation into this matter and demand that all erroneous information, including the XXXX be addressed and corrected or removed. I expect written confirmation of the resolution within XXXX days of receiving this letter. 
Please be aware that if my request is not addressed within the stipulated time frame, I am prepared to take legal action to seek damages. As per the FCRA, I am entitled to claim {$1000.00} in damages for each inaccuracy on my credit report. Additionally, I may seek legal remedies for the harassment experienced under FDCPA regulations XXXX
Product: Student loan

I know that my school qualify for the school misconduct application dismissal, they denied and did not tell me why. I submitted all the information that they needed and they could not give me a reason for the denial, but I already know that I qualify for this.
Product: Credit reporting or other personal consumer reports

Due the equifax breach my information was used illegally sold and I need it removed from my credit reports.
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$24000.00} XXXX XX/XX/year> XXXX XX/XX/year>XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

This contact is a reference and has been calling repeatedly once on XX/XX/XXXX and second on XX/XX/XXXX. I have also been contacted to myself has been harassing. I have had back to back calls.
Product: Debt collection

I received a copy of my credit report and noticed a company reporting medical collections on my credit I sent a letter in writing to the company explaining that the debt does not belong to me and requested for proof of all documents along with my HIPPA Form acknowledging that the debt belong to me.they sent me a billing statement and on that billing statement I have never had an account with this company. I have disputed the accusations with the credit bureaus and they claimed that the accounts was verified but that is not true I ask the company and the credit bureaus to send my complete accurate information showing that these collection accounts belong to me which neither have done so please look into this. it's not okay for a company trying to collect money that a consumer does not owe
Product: Debt collection

Letter from First National Collection Bureau, XXXX XXXX XXXX, XXXX NV XXXX, Dept # XXXX, Ref # : XXXX. Letter claims to want to collect a debt on behalf of XXXX XXXX XXXX XXXX, of {$64000.00} for {$19000.00}. They provide no proof of debt. In fact, their form letter say " Because of the age of your debt, we will not sue you for it and XXXX XXXX XXXX XXXX will not report it to any credit reporting agency. Then why harass me with their letters. The form letters are not tied to anything, just harassment for what? I want the letters and harassment o stop.
Product: Checking or savings account

I opened an account in XX/XX/XXXX. On XX/XX/XXXX I received an email from a XXXX XXXX offering to be of any assistance if I ever needed anything. On XX/XX/XXXX I  requested XXXX close the account over email. My request was refused unless I sent a signed letter requesting it be closed. Putting aside the inherent silliness of not being able to close an online account online, I mailed the letter. On XX/XX/XXXX, I received a letter rejecting the request to close the account and requiring new, different information from what I was told by XXXX. 

The bank is clearly trying to extort a fee from me for inactivity by prolonging the closure process.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I filed the compliant XXXX earlier this year and was provided a response from XXXX that the account information would be updated on my credit report being that as stated in the response from them, it was a mistake on their part that this is even reporting incorrectly. Its been over 45 days since the response and the credit reports are still reporting incorrectly and are hindering me from being able to purchase a home because it looks like I haven't paid in months and I have been paying them monthly. This is predatory lending a this point, please have someone help me please! I called and they stated it was updated but it has not been! I have filed separate disputes with the credit agencies directly, as well as contacting XXXX, and they still send it back to the creditors as being late for the 7 months!
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to correct some of the misleading information previously reported on my credit file. Right now I am not satisfied that you have completely fulfilled the guidelines of the Fair Credit Reporting Act in conducting your examination. I sense that the remaining account need proper action to assure maximum possible accuracy on my credit file. For that reason, I am asking for another investigation of the account below. 
XXXX XXXX  XXXX
Product: Credit reporting or other personal consumer reports

See Ref 1 : XXXX XXXX XXXX XXXX responded XX/XX/XXXX. 
See Ref 2 : The Bank claims it sold the boat XX/XX/XXXX, and the deficiency is {$13000.00}. 
See Ref. 3 : a deficiency {$9500.00} was reported to the credit agencies XX/XX/XXXX. Therefore, The XXXX XXXX XXXX XXXX provided false information to the credit agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent letters to you requesting that you remove inaccurate accounts from my credit file. To date you have failed to comply with the requirements of the Fair Credit Reporting Act by ignoring my requests to perform a proper investigation on the following accounts XXXX XXXX XXXX XXXX, and XXXX. I have advised that the The Date of Last activity is showing inconsistent dates on the listed accounts requested you to remove them due to violation, but yet you have ignore my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from getting Credit card approvals. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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

ACS contacted me about a loan that was not mine, threatened and harassed me until I hired a lawyer, XXXX XXXX, and went to court. They could not provide documents to show I ever had the loan the court ruled in my favor. Now, in some student loan database, while I'm trying to apply for Public Service foregiveness, it's showing a loan with ACS. After several emails, would call but the company has changed, I can't get this to go away!!!
Product: Debt collection

I sent certified mail to portfolio recovery on XX/XX/XXXX and asked for validation on the accounts and to send me a signed contract supporting that the account is mine. They have not sent the information except a old bill and a bill of sale. 

Portfolio recovery : ( XXXX XXXX ) opened XX/XX/XXXX. 
Amount {$1400.00} Portfolio recovery : ( XXXX ) Opened XX/XX/XXXX Amount {$8600.00} XXXX Portfolio recovery : ( XXXX XXXX ) Opened XX/XX/XXXX Amount {$2500.00} Portfolio recovery : ( XXXX XXXX ) Opened XX/XX/XXXX Amount {$5200.00}
Product: Checking or savings account

BANK OF AMERICA IS HOLDING {$10000.00} OF MY MONEY AND WILL NOT RELEASE IT. 
i SPENT HOURS IN THE BANK, AND THE MANAGER DOESN'T KNOW WHY.

ONE PHONE CALL SHE WAS ON WAS ABOUT MAYBE THERE BEING A LEVY ON ME, WHICH I AM SURE THE IRS WOULD CONTACT ME. THERE IS NO LEVY. 

ANOTHER CALL SAID I COULD BE DOING FRAUDULENT ACTIVITY.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Credit Bureau Dispute Department Subject : Formal Dispute of Inaccurate Credit Reporting under FCRA Dear Credit Bureau Representative, I am formally disputing the inaccurate reporting of the account " XXXX XXXX XXXX '' ( Account No. XXXX ) on my credit report. Under the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq., I demand an immediate investigation and removal of this erroneous account within five ( 5 ) days, or I will pursue legal damages under 15 U.S.C. 1681n and 1681o for willful and negligent noncompliance.

Inaccuracies and Violations : Debt Buyer Collection Account with Unverified Information XXXX XXXX XXXX is a debt buyer, and no valid documentation has been provided proving their legal authority to collect this debt. Reporting an unverifiable debt violates XXXX XXXX. XXXX. 
Incorrect Opening Date and Collection Status The account is listed as opened on " XX/XX/XXXX, '' which is a future date, making this information inherently inaccurate. This violates 15 U.S.C. 1681e ( b ), which mandates accurate reporting.

Potential Re-Aging of Debt The original creditor was " XXXX XXXX BANK, '' and there is no documentation verifying the legitimacy of XXXX XXXX XXXX 's ability to report this debt. If this is a re-aged account, it violates FCRA rules on debt reporting limitations. 
Hindrance to My Financial Opportunities Due to these inaccuracies, I have been denied multiple credit opportunities, employment, and financial products. Under 15 U.S.C. 1681i ( a ), I demand the immediate deletion of this erroneous account.

Resolution Demanded : Permanently remove this account from my credit report.

Provide written confirmation of removal within five ( 5 ) days. 
Cease further reporting of this inaccurate information to avoid further legal liability. 
Failure to comply will result in legal action for damages under the FCRA, including statutory damages, attorney fees, and court costs. I expect a response within five ( 5 ) days from the receipt of this letter. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received an alert from XXXX  that let me know that my credit score had dropped do to a 30-60 past due payments. I am questioning this report. I have set up bill pay with my bank and have confirmations that all my checks for XXXX XXXX were sent out. 
I did have a problem in XXXX because my checking account was hacked, and I did call to inform the company that I needed them to hold the check until I contacted them but that did not stop my future payments from coming to them on my behalf. 
I know that do to the pandemic that the mail has not been running the way it should be and a lot of letters or payments that we should receive in a timely manner have not come. I called XXXX XXXX so that I could get a letter for my lender about the current payment that I made and the letter is contradicting to what was put on the credit report. I have been a customer of XXXX XXXX and have always reached out to them if there were any issues. I also contacted the company on XX/XX/XXXX and let a message for the owner to get back to me and that was not done and today is XX/XX/XXXX with still no response. I also reached out to Equifax and they told me that the information provided did not add up with the letter that I read to them. I forward them the same documentation that I forward to XXXX XXXX for one of the companies to correct this as quickly as possible. I was informed by Equifax that would have to correct my information based on the letter because it is contradicting.