23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Att : XXXX XXXX am not sure if the CFPA is the agency that I should be writing to but here is my story. 
I live in a XXXX bedroom in XXXX California with a normal mortgage, back in XXXXthere area where my home was located flooded. We had about XXXX inches of waterin XXXX rooms. 
The city of XXXX elected to designate this portion of the city as a flood zone. 
This in turn required me to take out flood insurance at about {$1000.00} a year since 1982. 
I have been paying this over the last XXXX years or {$33000.00}. 
Needless to say we have never had another flood. 
I have tried relentlessly to find out how I could get out of this insurance to no avail as thecity has stated that this is a flood zone and the mortgage company has required that I have flood insurance. 
I have tried to contact the XXXX XXXX XXXX XXXX over the years and all of my letters have just fallen on deaf ears. 
I saw an article in XXXX XXXX regarding CFPA and thought I would write to you to see if there is anything you can do to recover any monies that I had paid to the XXXX. 
I am XXXX and on a fixed income. 
Thank you in advance and and if there is any thing you can do, it will be greately appreciated.
Product: Checking or savings account

This is between American Express National Bank and me regarding my CD. 
The contact phone XXXX ( NY ) * I recorded most of the conversations with the customer service representatives. 

XXXX XXXX My CD matured. 
XXXX. Prior to the maturity date, I called the above number to request the closing of my account once my CD matured. I was told to request it on the XXXX. I wanted to make sure that I'll get the funds back, I mailed my written request as well. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I called the same number and requested the closing and transfer of the funds. I was told my funds would be processed next Friday, XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : The transfer didn't happen. I called again. I was told that it will be processed on XX/XX/XXXX. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : I asked XXXX (? ) about the status of my transfer. The phone call was cut short. ( XXXX # XXXX ) XXXX. XX/XX/XXXX : XXXX answered. It took over XXXX minutes to find out my funds won't be processed until XX/XX/XXXX or XXXX. ( XXXX # XXXX ) It is unbelievable that it takes at least 25 days until my funds get into my hands. Upon maturity, during the grace period, I could request the closing of my account and transfer the funds, which I did. And then I have to wait XXXX to 14 days more to get my money back. The bank is holding my money XXXX and making a month 's profit out of it. It's a shady and cunning practice. The representatives made empty promises too many times, and I am afraid when I see my money back.
Product: Debt collection

The debt collector LVNV funding - reported on my credit for an amount of {$1400.00} in XXXX of XXXX for an XXXX XXXX Credit Card that was last delinquent in or around XXXX. Firstly this debt is older than 3 years, and has passed the state of limitations in the State of North Carolina, when LVNV reported it to the credit bureaus. Prior to them reporting this debt to my credit, I hadn't received any notification of said debt. After doing some research and attempting to purchase a home, it was bought to my attention that they had filled a judgement on me. I was never served papers nor did I have the opportunity to dispute the debt, before the lawsuit was filled. I reached out to LVNV funding on or around XXXX / XX/XX/XXXX to obtain information of said debt. They directed me to Resurgent Capital Services. I then attempted to dispute the debt with them, they advised that I need reach back to LVNV funding. I did just that. After speaking to a representative, I verbally disputed the debt, and they informed me that they would be sending my documentation to validate the debt. I did not receive said documentation. I then disputed the debt by sending a letter. I thenI attempted to call back two additional times to just settle the debt, and this is preventing me from moving forward from purchasing the home. Each time they refused my settlement offer. I explained to them that I did owe the debt, however the amount I wasn't agreeing with. I am filling this complaint as they are unwilling to work with me, they have filled a judgement on a debt that was outside of the statute of limitations, at the time the debt was presented to the credit bureaus. Lastly as a consumer - I don't believe I was notified properly about the debt, provided details about.
Product: Debt collection

I have been paying on my debt every 2 weeks of XXXX $ or XXXX $ month until paid in full. The debt is XXXX $ total. I spoke to them last week if they showed receiving my payments and they confirmed. They are very rude, hung up on me and call 3-4 times EVERY DAY.
Product: Student loan

I contacted EdFinancial on XX/XX/23 to change my payment plan from income driven with a monthly payment of XXXX XXXX/month to the graduated plan XXXX XXXX/month. I was told by the customer service representative that my payment plan would be changed to the graduated repayment plan. I was told that there was no additional information that I needed to supply and no forms that I needed to submit. I logged onto my account over a month later XX/XX/23 to see that my repayment plan had still not changed. I tried to reach out to customer service again only to find out that wait times were 6 hours. I submitted a complaint on EdFinancial 's website as well as with Federal Student Aid at that time and still have not received any correspondence. I logged back onto my account on XX/XX/23 to see that my payment had finally changed to the graduate payment plan with a monthly payment of {$110.00}. I updated my auto pay information on XX/XX/23 as I thought the issue was solved. I logged back on today to see that my repayment plan has been changed again without my consent to income contingent with a monthly payment of {$320.00}. I tried to call again today to talk to a representative as there is no other way to apply for the graduated program and wait times are 10 hours. I submitted another complaint today however I find it very frustrating that I am not able to talk to anyone regarding my concerns and that my repayment plan has again been changed to an income based repayment plan.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying ti make a purchase and was made aware that my identity was stolen. I reached out to all the companies and they removed all the fraud information. This is the only company that said it wad not fraud I sent over all the information that was requested plus more. I sent them over a investigation validation letter and still have not heard anything back. I hope no one ever has fraud with Mercedes they will not help you with the matter they want you to pay for something that does not belong to you.
Product: Checking or savings account

I am a customer oof Bank of America for 34 years. They have a program re ATM Overdraft Services where you can sometimes take out more than is in your account at the ATM. They tell you before hand that there is a {$35.00} fee which you must agree to. A couple of years ago or so they would debit my account {$35.00} every 5 days, which amounted to a lot of money. I was not informed of that ahead of time. I did call customer service at one point and I was told that was the rule, but for some unknown reason, they now only charge the one fee that you are informed of. I'de like to know what happened to all those {$35.00} fees that were taken from my account. There were many. Thank you.
Product: Payday loan, title loan, or personal loan

Somebody has access to my debit, credit, and XXXX XXXX  card and has been trying to take money through XXXX  with amounts of {$1.00} to {$100.00} I keep all my cards locked for this reason and I have even changed cards plenty of times ( I have another card on the way now ) even when I change cards this person could still access them. This has been happening for almost a year now and they wont stop.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Experian have been put on notice over 30 days ago in regard 's to three collection companies that are unlawfully violating the fair credit reporting, again I have sent out legal documentation letters and corespondences XX/XX/XXXX asking them to take action and remove derogatory unlawful reporting is now going on 60 days and still reflecting on profile again I sent out court orders/case number and relevant information to remove imediatly XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX all three credit bureaus should receive Thursday XX/XX/XXXX and should immediately remove from report, the bureaus have stalled time after time regenerating 30 day investigation my documents qualify for immediate removal
Product: Checking or savings account

I was charged an overdraft fee was an ACH withdrawal thats I had an available balance to cover that transaction. I have the proof from navy federal showing my deposits and balance. I asked if they could waive and reverse the fee and the 2 ladies I spoke to were rude and refused to wave the fee that I should not have received in the beginning. I uploaded the copy of my prove to my navy federal online app
Product: Debt collection

I received a letter about an alleged debt in XXXX stating that I owed them an amount for of {$400.00} for the last payment of the vehicle and received another notice a few days letter telling me I owe an additional {$2000.00} for the wear and tear of the vehicle. I sent over a verification letter to find out more information about this alleged debt in XXXX, and never received anything other than a bill/statement telling me how much I owe. I then sent over a letter letting them know the multiple violations they have commited towards me pursuant to 15 USC 1692 on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX and have yet to receive ANY communication from them letting me know how they are going to rectify how they have violated my consumer rights blatantly.
Product: Debt collection

I am being charged for utility services that were given to argon collection agency as a debt for service s from XXXX to XXXX of 2019, I was not living in the residence that had used that services therefore that debt does not belong to me
Product: Checking or savings account

Date : XX/XX/2022 Amount XXXX dollars Basically, I deposited a check into my account and it took 10 business days for verification. Once it posted and was available in my balance Ive called the bank customer service to make sure he was available for me to start using it and they did confirm. Ive then went to the bank to try to withdraw and then the banker of that branch refused to let me withdraw some funds out of that and said they were gon na do more verification and as soon as I walked out the bank, my account got closed. I then called Wells Fargo customer service and they said on the phone that the money is posted and I should be able to access it. I went back to the bank and they said I have to wait for another 10 days of verification. They be going back and forth with me for months now. I called them again and they asked me to provide a letter from the check issuer stating that they actually wrote me a check which she did. Then they said it wasnt enough That we should both walk inside the branch ( the check issuer and the receiver which is me ) she flew out from New York to XXXX so we could fulfill their demand. Yet, they still gave us the run around as if this wasnt enough they asked the check issuer to go to her bank and have a banker print her bank statement showing that the funds were debited from her account which she did. So far all documents they asked us to provide we did provide. Yet they still havent released my funds. Im just leaving the bank now as Im writing to you guys and Im exhausted. I have all proofs. Letter from the check issuer stating that she made a payment to me, she also sent me her bank statement showing that the money be deducted from her account since XX/XX/XXXX. I also have the picture of the check. Im XXXX  and it sucks that I have to stress all over this. I been going back and forth with them since XXXX. Its been 4 months and Im begging you guys for your help
Product: Checking or savings account

In XX/XX/2023, I and my husband opened XXXX accounts at TD Bank : a checking account and an associated savings account. We received checks for both along with debit cards. We requested paper statements mailed to us. But after 2 months, when we got no statement for either account, I went to the bank and asked for the latest statement. They expressed surprise, said that I was getting mailed statements, and when I said I had received NONE, they printed XXXX out for me, showing both accounts. They then said it would come the next month. 

But the next month and then the next came -- and no paper statement. 

It is now almost half a year later, and I have never received a paper statement in the mail. This may be related to the fact that after starting our accounts, TD Bank instituted a {$3.00} fee for each paper statement it mailed. Despite that, I was told by bank personnel that I should be getting a combined statement ( savings and checking account activity ) in the mail. 

Clearly, TD Bank does not want to issue my paper statement despite the law requiring them to do so if the account ( s ) are active, which mine are.
Product: Credit card or prepaid card

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I'm not swayed that Bureaus efficiently pleased the principles of the Fair Credit Reporting Act in completing their investigation. The Bureaus are reporting inaccurate information on CAPITAL ONE BANK USA N. Per FCRA, reporting must be 100 % accurate or the information must be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT XXXX, and I'm including it again. XXXX XXXX DAE OPENED XX/XX/XXXX BALANCE : {$350.00} ; XXXX XXXX XXXX  XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00} ; XXXX  - XXXX XXXX XXXX DATE OPENED XX/XX/XXXX BALANCE : {$0.00}. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT XXXX and hoping that these XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late payments will be removed.
Product: Debt collection

Continuous calling throughout the day. Continuous calls after XXXX. Caller requests contact with me and will not leave message for call back. Caller will not provide the debt subject to determine if valid and when questioned - the caller disconnects the call! Extremely rude and short and then hangs up after calling repetively!
Product: Credit reporting, credit repair services, or other personal consumer reports

REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
( Continued On Next Page ) XXXX Page 3 of XXXX XXXX >>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 
>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY.

>>> The information you disputed has been received. The results are : INQUIRIES ARE A FACTUAL RECORD OF FILE ACCESS AND WILL REMAIN ON THE EQUIFAX CREDIT FILE TWO YEARS FROM THE REPORTED DATE OF THE INQUIRY. 

THEY DID NOT INVESTIGATE AND WITHIN 2HR OF THE DISPUTE WAS SENT THEY VERVFYDE IT
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : XXXX to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
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/year>
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX we made our regular mortgage payment on time. 
The amount was short because of an escrow increase. 
The bank who manages our escrow account did not use all the contact info on file to notify us of the issue. 
They did not accept the payment but did not return it either. 
They placed it in the mortgage account unapplied knowing it was a mortgage payment. 
They in turn then reported a missed payment not a short payment. This has reduced my XXXX and my score XXXX. 
We have never had a late payment in 45 years of credit. 
I called the bank and made the payment difference over the phone. The bank agent mis entered my checking account number so 2 days later I followed up again and took care of the small difference that was short. 
I have asked for corrected reporting of a short not late payment and the bank refuses they also do not pay me interest on the money they impounded that was my on time payment nor did they return it to me as they claim it was not accepted. You can not have it both ways. 
The bank claims they can not remove the missed payment from my credit report however this is not true banks do good will adjustments all the time.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and noticed several inaccuracies... Here is the referenced account. 

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

Dear Consumer Financial Protection Bureau, I am filing this complaint because a bankruptcy is being inaccurately reported on my credit file, even though it has not been verified and was not reported by the court. The bankruptcy was reported on XX/XX/year>, and while it is not showing a balance, its presence on my credit report is unverified and incorrect. 

My Actions to Resolve This Issue : I have disputed this bankruptcy directly with the credit bureaus ( Experian, Equifax, and TransUnion ), yet they continue to report it without providing proper verification.

I contacted the U.S. Bankruptcy Court, and they have confirmed that they do not furnish bankruptcy records to credit bureaus and did not report this bankruptcy. 
Despite this, the credit bureaus are still reporting the bankruptcy without validating the information from an official and legitimate source. 
Legal Basis for My Dispute : Bankruptcy Courts Do Not Report to Credit Bureaus ( 11 U.S. Code 107 ) The U.S. Bankruptcy Court does not furnish bankruptcy filings to credit bureaus.

Any bankruptcy appearing on my credit file was obtained from a third-party source, which must be verified with a legitimate, original document or removed.

Credit Bureaus Must Maintain Accurate and Verifiable Information ( 15 U.S. Code 1681i Fair Credit Reporting Act, FCRA ) Under the FCRA, credit bureaus are required to : Conduct a reasonable reinvestigation when a consumer disputes an item. 
Delete or correct any information that can not be verified with original documentation. 
Ensure that no account falsely linked to a bankruptcy continues to report as active, delinquent, or in collections. 
Errors on My Credit Report : Despite my attempts to dispute this bankruptcy, the credit bureaus continue to report it without providing verification from a legitimate source. Since the U.S. Bankruptcy Court has confirmed that it did not report this information, the credit bureaus are in violation of the Fair Credit Reporting Act ( FCRA ) for failing to remove an unverified record.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was XXXX during the time of the opening of this account and I have contacted the creditor and they have not resolved this issue and its affecting my mortgage closing
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have a right to privacy. 

15 U.S.C Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit card or prepaid card

So i reported to them and sent them screenshots of my messsages trying tonresolve charges where i was basically buying one thing and i either never received it or if i did receive it it wsd buy in no means what i ordered. They refunded 2 charges but not the main ones. I asked for there reasoning theyve failed to send me report number and any details about disputes.. as you can see from attached files i ordered items from an online auction which i either never received the items and if i did it wasnt what i ordered. So i was either charge as the website said a glitch in the auction cause as you can see. The sellers blamed it on the lag but didnt fix the issie that i was out money. Cash app didnt care. 
XXXX XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXX. 
They didnt even ask me what happened. They did nothing except deny my claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

Reason for Dispute : I believe that these account inquiries are invalid. I did not authorize these inquiries. Please validate this account in its entirety or remove this entry from my credit report. Thank you. 
Hard Inquirie ( s ) : XXXX XXXX and XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is not removing accounts that should be removed from my report that are inaccurate from XXXX XXXX XXXX