23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Home was damaged by XXXX XXXX. An wind insurance claim check was received by the homeowners from XXXX XXXX in the amount of {$75000.00} payable to the homeowners ( XXXX and XXXX XXXX ), Truist Bank ( mortgagee ) and the homeowners public insurance XXXX. The check was sent to Truist Bank, Loss Draft Department XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX for endorsement by Truist and return to homeowners. 

The check was received by Truist XX/XX/XXXX. On XX/XX/XXXX I received a letter from Truist dated XX/XX/XXXX saying that they were going to hold the money and only release a portion of it once homeowners provide the insurance adjusters report and a signed XXXX XXXX. Additional funds from the insurance check will only be released following inspection of the repairs by Truist. 

I immediately called Truist to request the funds be released, they refused. 

The funds are needed immediately for hurricane repairs. The amount outstanding on the mortgage is {$64000.00} approximately {$11000.00} less than the funds they are refusing to release. Additionally the value of the land alone is at least 4 times the amount left on the mortgage. Truist has absolutely no need to withhold the funds, the money owed on the mortgage is more than secured by the land value alone.
Product: Credit card or prepaid card

I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 Bureaus Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
Product: Checking or savings account

I received a recorded message on XXXX day that an unauthorized check was being cased on my account. I was unable to reach anyone at Citibank because they were closed for XXXX day ( XX/XX/XXXX ). When I was able to get into the bank they credited me for that particular check in the amount of {$3900.00} and advised me to carefully look through my statements for other questionable checks. When I did this I reported 3 additional checks which were obviously forged. I was told to wait for Citibank to send me a Statement of Unauthorized Use for claims of Forgery, Alteration, etc. After that form arrived a couple of weeks later I immediately completed and returned it. Several weeks later on XX/XX/XXXX I received a letter that my claim was denied, even though the fraud/forgery was clear. 
When I first submitted a complaint Citibank claimed that they did not recognize me as their customer or their customer 's authroized representative. Really?
Product: Debt collection

XXXX XXXX  charged off credit account and was paid for the debt through insurance. Midland Funding bought the debt and has reported it to the credit agencies, causing two negative entries on the credit bureaus reports. A letter was sent to Midland and their attorneys, XXXX XXXX XXXX, XXXX, ( XXXX AL ) yet they still report the debt and filed civil suit in Alabama. The original account was created in Florida. Additionally, the statute of limitations on collecting the charged-off amount has passed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a charged off account that appears on my credit report the issue is the same account is listed by two different creditors. The account is listed under XXXX XXXX and Pioneer credit. I opened the account with Pioneer credit. In XX/XX/XXXX The account was transferred over to XXXX XXXX. The account is now past due and instead of one company listing the debt both companies are listing the debt making it appear as if I owe two different companies. I have tried correcting this with no response. I only owe one of the companies for this listed debt. Under the FCRA my rights are being violated. I am requesting that either Pioneer credit or XXXX XXXX remove the debt until than I can not rightfully pay the debt because I do n't know which company it belongs to. Both companies are saying they own the debt. This has negatively impacted my credit in a huge way. I have been denied housing due to this. I am asking that this information be updated on my credit file asap.
Product: Credit reporting or other personal consumer reports

Auto loan at XXXXXXXX XXXX XXXX XXXXXXXX has been paid off and account information needs to be updated. 
Balance {$6500.00} is incorrect. 

Balance is {$0.00}
Product: Credit reporting or other personal consumer reports

I am writing to request the immediate blocking and deletion of fraudulent accounts and inquiries listed below from my credit report. I am a victim of a data breach, and as a result, my personal information has been used without my consent. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I request that these accounts and inquiries be removed from my credit file. 
Fraudulent Accounts to Block and Delete XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$300.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$850.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$7000.00} XXXX. XXXX XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$6200.00} XXXX XXXX XXXX XXXX Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$450.00} XXXX. XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$620.00} XXXX. XXXX XXXX - Account XXXX : XXXX - Date : XX/XX/XXXX - Amount : {$760.00} XXXX. XXXX - Account Number : XXXX - Date : XX/XX/XXXX - Amount : {$430.00} Fraudulent Inquiries to Remove XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXX. XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX - Date : XX/XX/XXXX XXXXXXXX XXXX XXXX  - Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX - Date : XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : XXXX XXXX : # XXXXXXXX XXXX XXXX  : # XXXXXXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX : # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it may concern, I was recently reviewing my credit report and I noticed that there were several unauthorized inquiries on my credit report and/or someone has been trying to apply for something in my name. I have already filed an FTC Report as well and the report number is XXXX. The FTC Report is attached. 
You will also find the XXXX  Deletion report attached that also contains several of the same inquires and they have already removed all fraudulent inquiries too. 
These fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XXXX on XX/XX/XXXX 2. XXXX  XXXX XXXX on XX/XX/XXXX 3. XXXX XXXX on XX/XX/XXXX 4. XXXX XXXX on XXXX XXXX, XXXX 5. XXXX XXXX on XX/XX/XXXX 6. XXXX XXXX  on XX/XX/XXXX Furthermore, according to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be removed!! 
I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.
Product: Vehicle loan or lease

I contacted the company to extend the loan. The representative stated I had to pay a fee that was deducted from my account and my next payment was not due until XX/XX/XXXX. When I called on XX/XX/XXXX the recording said my payment was 32 days delinquent I spoke to a representative who stated I was suppose to complete a form within 15 days I advised we never received a form and I wasn't told I needed to fill one out. They wrongfully reported to my credit which dropped my score 65 points! We have been on time with our payments and catching up to trade it in and they are ruining my score purposely so they dont have to trade it!! They said they needed to see 6 months of on time payments and now this!!
Product: Mortgage

I have tried for over one year to get Shellpoint Mortgage Servicing to cease any further foreclosure action against my home. I have cleared out all collections against me personally, and I have gone through several financial set backs including medical issues that are now behind me. However, Shellpoint Mortgage Servicing keeps coming back to me stating that XXXX XXXX will not consider a modification of my mortgage, even though I have well over {$200000.00} in equity in my home. I along with millions of American consumers have been dealing with the Covid-19 Pandemic, working from home to keep my job. I have resolved dozens of financial issues that an average person would have filed a Chapter XXXX bankruptcy on. I need the help of the Federal Deposit Insurance Corporation to intercede in a foreclosure that simply is not warranted. The FNMA rules are antiquated, and there must be other measures that can be incorporated since the Covid-19 Pandemic. Shellpoint Mortgage Servicing must reinstate my mortgage with the requested modification. 

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

I have written 3 letters to Equifax to correct mistakes on my credit report. Despite my 3 requests the unverified items still remain on my credit report in violation of Federal Law. They are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of Equifax first investigation and subsequent reinvestigation, Equifax stated in writing that they verified that these items are being reported correctly? Who verified these accounts? Equifax has 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 Equifax has failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA a credit reporting agency is required to promptly DELETE all information which can not be verified.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a loan with TD Auto Finance to purchase a used XXXX, I was approved for the loan which should have been the end of it there. But then on XX/XX/2020 another hard pull was added to my credit report. I proceeded to email the loan officer on XX/XX/2020, about the second hard pull and that I wanted it removed. I never received any response back from the loan officer I had contacted.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic fund transfer act ( EFTA ) and regulation E. These actions have cause significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

For 12 years I have been trying to get assistants with fraud. XXXX XXXX XXXX stole my identity now call my bank everyday trying to close my account, get a Credit Card and ATM card. Bank of America has failed to even notify, I have asked for his phone numbers to be searched so I can file charges against them. XXXX XXXX also calls my bank posing as me trying to close my account, get a credit card and ATM saying I lost my ATM card. 
XXXX XXXX is a man XXXX XXXX XXXX they live at XXXX XXXX XXXX XXXX in XXXX CA. XXXX. At first Bank of America said they would send me the information in 5-7 business days. Then the phone rep said they dont provide any information like fraud notification anymore or assist customers with information to help them.. That makes no sense. So, If I would have called one day prior Bank of America would have helped me? XXXX 's number is XXXX it is so simple do try to help a long time customer by looking up a profile and reading the notes of fraud as these people call daily. XXXX has several numbers XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX. 
Can you please assist me in getting this fraud so i can try to get my life back? Please!!
Product: Credit card or prepaid card

I did originally give my approval to open this account. 
The amount of the services was over the amount of credit extended to me. My floors had to be measured for installation of flooring before any amount could be finalized. I was not aware of the actually total until the measurement were taken and submitted to XXXX XXXX the next day. I received an email the next day about the measurement and was ask to come in the store to proceed with setting up what I wanted to be installed. I went to XXXX XXXX, in XXXX, TX on Saturday approx XXXX and was told they had already shipped materials to my home without my knowledge or authorization and they called the credit card company to ask for a credit line increase without my knowledge or authorization. Asking for a credit line increase damaged my credit. The employee ( XXXX ) just starred at me and and said he was wrong ; the other ( 2 ) employees never said a word. This employee was trying to railroad me into $ XXXX dollars for 1 room and 14 stairs and a stair land of laminate wood. I call the credit card company Synchony and an employee and a supervisor could not help me with their policy to request and increase ; but for me to talked with them I had to give my name, ss #, address, phone number. I would think the XXXX XXXX employee had to do the same. XXXX at the XXXXXXXX XXXX XXXXXXXX office said this is not their policy ( to request an increase without the customer 's knowledge or authorization ) and they would talk to the manager. However this does not help my credit that has been negatively impacted. Synchrony does show that a credit line increase was requested. Can you help? or give me some direction? 
ps : approved credit applications should be lock away once approved. This will assist with keeping predator employees from harming customers.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and corrected : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have a Truist credit card that was set up with auto-pay from my XXXX checking account. Everything was working fine until XX/XX/XXXX, at which time an XXXX debit with the same description and merchant ID as my previous auto-payments appeared on my XXXX statement. The issue is that I had no balance that month, so there was nothing to pay. This happened again on XX/XX/XXXX and once again today, XX/XX/XXXX. I contacted Truist by phone and by chat on their website on both previous occasions and was told that I had no balance so it couldn't have been them, yet the evidence shows otherwise. They refuse to escalate and I've had to dispute these debits with XXXX each time. I'm now going to be forced to open a new checking account to ensure that these erroneous debits don't occur in the future. I'm guessing that in their transition from BB & T to Truist, my checking account information got applied to someone else 's account during data migration because the amounts have all been fairly small and occur at the normal time of month that previous, legitimate auto-payments were made.
Product: Credit reporting, credit repair services, or other personal consumer reports

They wouldn't allow me to do anything closed my account kept my money. 



































i would like at least XXXXXXXX $ in return for all my troubles also if possible would like to donate half that money to someone that nees it
Product: Credit reporting, credit repair services, or other personal consumer reports

Back in XXXXXXXX XXXX XXXX  someone stole my identity and used it to purchase a vehicle and they also filed for unemployment benefits, credit cards, and other various accounts. Over the past 2 years Ive spoken with Credit Acceptance and XXXX several times and attempted to get this issue resolved with No result. Ive asked several times for a Letter of Validation from both Credit Acceptance and XXXX and havent received one although I was told it was mailed to me. I have done everything I was asked by both Credit Acceptance and XXXX with No updates or response in the past 6 months. Ive submitted both a Police Report and Affidavit of Fraud to show I am a True victim of Identity Theft. Still both Credit Acceptance and XXXX refuse to acknowledge my consumer complaint. I think its also a violation of my civil rights and discrimination. I almost at the point of retaining legal representation and filing a lawsuit against Credit Acceptance. I would like to know if I can get help here or what I can and should do next. Im attempting to fix this issue but its been a nightmare and XXXX stated they received something validating the account was mine however Ive never seen anything and they refuse to resend anything to me. I would just like to get this issue resolved promptly so that I can purchase a vehicle. It shows the vehicle as a repossession and someone named XXXX XXXX on the account. I have No knowledge of who this person is.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX To whom it May Concern, Im reaching out because you are helping XXXX XXXX XXXX put incorrect information on my credit report related to the account below XXXXXXXX XXXX XXXX XXXX XXXX As defined by the IRS XXXX The IRS considers a charge-off to be income, either as gross or ordinary income. Income like this doesnt belong on a credit report, so this information on my report isnt accurate.

By IRS rules, any canceled debt or charge-off is classified as income. Reporting this as debt is incorrect.

According to 15 USC 1681 s-2 XXXXXXXX XXXX XXXXXXXX as a provider of information to a credit reporting agency, is prohibited by law from sharing inaccurate info. Im Requesting that you delete this information from my report right away.

**15 USC 1681 s-2 ( a ) ( 1 ) ( A ) ** A person shall not furnish information relating to a consumer to any consumer reporting agency if the person has been notified by the consumer at the address specified by the person for such notices, that specific to information is inaccurate and ; the infomation is in fact inaccurate. 

In summary, Ive shown you that this information is wrong, and youve been notified, keeping this inaccurate info on my report is a violation of the Fair Credit Reporting Act and your role as a credit reporting agency. 

Please Delete form my report immediately Thank you XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to XXXX, and Experian requesting that a XXXX XXXX XXXX on my report be verified and provide proof of verification and if it couldn't be verified I requested the information be deleted from my credit file. Both XXXX and Experian claim the information was verified by a third party XXXX XXXX. Under the FCRA this information is not to be verified by a third party, the bankruptcy court should be the furnisher of the information. I have contacted the bankruptcy courthouse and they indicated that they dont provide verification information to third parties. So I dont believe XXXX  and Experian properly/legally verified the information as they claim to have.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have always paid my account on time every month thru the website that the company provided and i always received notice that they received the payment. However, XXXX of 2018 they notified me 30 days later that they never received the payment. I quickly paid it as soon as I was notified and I tried disputing it with the company because I had paid it and it was their websites problem and not my mistake but they refused to remove it even though they acknowledged that it may have happened since they have intermittent problems with their website. Please help as this is affecting my ability to get the best rates on a home loan and this was not my mistake.
Product: Debt collection

I WAS SUED BY EQUABLE ASCENT FINANCIAL LLC WHICH RESULTED IN A JUDGEMENT AGAINST ME. I HAVE NO CLUE OF THE DEBT IN QUESTION AND I AM AFRAID THEY HAVE THE WRONG PERSON.
Product: Debt collection

I filed for a debt relief program through XXXX XXXX XXXX in XXXX XXXX 2015. Two of the credit cards I owed at the time were from Capitol One Bank. One of these credit cards were accepted by Capitol One for a single debt relief payment and the other one for 6 payments for less than the value owed. The payments were made according to the agreed upon payment schedules and I have proof from XXXX XXXX XXXX of the payments ( see attached document ). However, Capitol One refused to discharge these cards and have sold the account to XXXX XXXX XXXX who call me constantly trying to recover the full payment owed. They say according to their records no payments were made and they do n't care if an agreement was made between Capitol One and XXXX XXXX XXXX. They continue to say that I owe them full amount because they now own the debt. These calls have been occurring 4-5 times a day for the past 6 months. They have also recently published their " fictitious debt '' to my credit report last month. I need them to be stopped and my credit, which I am working hard to improve, corrected. Please help!!!!
Product: Checking or savings account

I am writing to file a complaint against the Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal Credit Union for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.