23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

EverBank ( recently acquired by TIAA in XXXX XXXX ) has held the servicing of my mortgage since XXXX. We bought the property in XXXX and the mortgage originated in XXXX. The property is at XXXX XXXX XXXX, XXXX XXXX, TX. 
The property was bought for my son, daughter -in-law and grandson to live in while they established in the area. A grad-daughter was born when they lived there. After Hurricane Ike in XXXX they moved back to XXXX. Although it had no damage. It then was rented for XXXX years and in XXXX I had my elderly mother move in from her 2 story townhome and has occupied the home since. 
On XXXX XXXX I got a " good-bye '' call from my mother at XXXX XXXX time stating that the home was being flooded and she was not sure if she would make it. After calling the city of XXXX XXXX to get her on the list to be rescued my son and I loaded some tools and supplies into my truck and took off for the hurricane zone. On the way on the 2 day trip, I checked the mortgage website and saw my flood ins had been paid just a couple days earlier, so I called to file a claim. Upon arrival and picking my mother up from the XXXX XXXX XXXX, I was given the news that I did not have flood insurance for several years. After setting up a trailer in the driveway and getting a contractor and services in order, I returned to XXXX and called EverBank once again and was told by XXXX in customer service that they never collected for flood so it was never paid. So what was the entry in the escrow for flood ins.? Not her problem. So I am out almost 28k for repairs and upgrades on the home to get it functioning again for my mother to move back in. And due to it not being my primary residence, FEMA sent me a denial of any assistance via email almost immediately as I completed the online application process. My XXXX year old mother who lost almost everything to huge piles in the front yard, also got FEMA denials due to my contractor was so good and poured huge resources into the home, the home was livable and almost complete by the time FEMA came out to assess. Weeks earlier sewage and water to knees, torn out cabinets, kitchen and baths, ruined carpet, non working appliances, beds, dressers, chests, pictures, memorabilia, coffee and end tables - all gone. I had to use a lot of credit cards and savings.
Product: Debt collection

I went bankrupt because I lost two jobs that sustained my family. and they discharged me from bankruptcy. I had informed the company that I could not continue with them, but they did not want to stop the process. 
{$150.00} for RA renewal 1 year
Product: Student loan

The amount that I borrowed has almost tripled. I'm confused on how my student loan balance went from XXXX to XXXX. I believe there is a gross mishandling on my student loans and now i owe a substantial amount that I can not afford. I need help in figuring out how it has gotten this bad. I wasn't clearly explained my options when my income was lower and pushed into forbearance. Now I'm in a big mess
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. 

Id notified Experian, XXXX and XXXX to reinvestigate these accounts : XXXX XXXX account # XXXX, XXXX account # XXXX, XXXX account XXXX XXXX, XXXX account # XXXX , XXXX XXXX account # XXXX. However, they stated everything was complete and accurate. Which is deem inaccurate due to the inaccuracy from the account tenured start date, account date last activity and invalidated outstanding balances. According to statue 15 USC 1681i ( 5 ) accounts with improper data reporting are subject to modifications.

15 U.S.C 1681 section 602 A. states consumers have the right to privacy.

15 U.S.C 1681 section 604 A. section 2 : Also states a consumer reporting agency can not furnish a account without the consumer 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 conviction 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 the information provided is inaccurate.

Also the inaccuracies on these report are not corresponding with appropriate validation under metro 2 compliance. Please review documents to prove this case has regulatory evidence for endorsing truth.
Product: Credit reporting, credit repair services, or other personal consumer reports

I noticed a few accounts i am not familiar with
Product: Credit card

In XXXX of XXXX, I overpaid my XXXXXXXX XXXX XXXXXXXX Synchrony credit card ending in XXXX by {$50.00}. From XXXX to mid XXXX I reside with my daughter in WI. During this time I do not see my statements since they are delivered to my Florida home all year. I have received late fees, in the past, for not paying my membership fee in time because I haven't seen the statement with it. For this reason I overpaid by the amount required, {$50.00} for membership. So from XXXX until XXXX I had a credit of {$50.00}. In XXXX, the card was used again, since I now returned home, and the {$50.00} was applied to the new balance with a statement requesting the difference. 
The problem is they placed a charge for membership on another XXXX XXXX  XXXX Synchrony credit card that they had sent me. The card was never activated or used. Seeing the statement for this new card ending in XXXX, I called. I spoke to XXXX on XX/XX/XXXX at XXXX XXXX CST. I explained to her that this card has never been activated or used. When I enter a XXXX XXXX XXXXXXXX and they ask to see my Membership card, I always show them the original card ending in XXXX. When I checkout, I always use the original card ending in XXXX. I explained to her I do not want the card, have never activated this 2nd card, or used it. I ask that since it wasn't activated they close the account and apply a payment to my ACTUAL XXXXXXXX XXXX XXXX card that I always use. I gave her my bank routing numbers so they would receive an instant payment for the {$50.00} XXXXXXXX XXXX XXXXXXXX membership. 
On XX/XX/XXXX, I found out they did not show the payment and again were asking for the {$50.00}. I called them and again gave my checking account routing numbers AGAIN so they could receive payment for the membership. The person I spoke to seemed competent in her job because I was told the transaction was successful and she gave me a transaction # XXXX. I expected the matter settled and taken care. 
On XX/XX/XXXX, I called again and spoke with XXXX, employee ID # XXXX. I asked why I am still receiving statement and request for money on the CLOSED account ending in XXXX. I was told they were seeking late fees. I asked how they could place charges on an account that was NEVER ACTIVATED or used. She said I would have to dispute the charges. I told XXXX that I am not disputing the {$50.00} membership fee since I tried to pay it 3 times already. I am disputing them putting a transaction on a card that was never activated or used. She said XXXX XXXX XXXXXXXX placed the charge on my card. Again I asked how they could use a card NEVER ACTIVATED to make the payment. This card was never used in association with my XXXXXXXX XXXX XXXXXXXX Membership or payments of any kind. Any membership fees should always be applied to the card associated with my membership for the past 16 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to get my annual free credit report today XX/XX/2020 at XXXX EDT from TransUnion and was unable to get it from either the website or telephone as I am allowed to by law. The website said I failed to answer the verification questions correctly ( because none were accurate to my history ), and the phone option didn't work because a representative never answered the phone after 30+ minutes.
Product: Money transfer, virtual currency, or money service

Mortgage company ( Fifth Third Bank ) added force-placed homeowners insurance on my mortgage despite the fact that I have always had homeowners insurance since the initiation of my loan and sent them proof of this insurance via email on multiple occasions per their request. I spent approximately 6 months going back and forth with the bank about the aforementioned issue and ultimately had to involve my attorney to have the issue corrected by having the force-placed insurance removed from my mortgage statements. 

From XX/XX/XXXX to XX/XX/XXXX, I received six ( 6 ) separate endorsed checks from Fifth Third Bank to me with " return funds to customers '' stamps on them. I deposited these checks at one time towards the end of XXXX and a week later, Fifth Third had all the checks cancelled without any prior notice. I consulted with my attorney first about this issue, then spoke with Fifth Third ( as per my attorney ) and they could not give me a comprehensible explanation as to why the checks were cancelled. I was charged six ( 6 ) return check fees by my banking institutions as a result of Fifth Third 's actions.
Product: Mortgage

Dear CFPB, I am complaining about XXXX XXXX XXXX XXXX XXXX, and their Attorneys XXXX and XXXX XXXX, Filing a fraudulent foreclosure action and having me illegally evicted in Violation of the Service Members Civil Relief Act and the Illinois Service Members Civil Relief Act against me and my mom ( deceased XX/XX/XXXX ) and my father ( deceased XX/XX/XXXX ) My parents are XXXX and XXXX XXXX , The mortgage was paid off on XX/XX/XXXX see document # XXXX. The illegal foreclosure and sale was intiated on XX/XX/XXXX the case # is XXXX, The court lacked Jurisdiction to hear the case In violation of the SCRA , the names of the Judges who sat on the case we're Judge XXXX and Judge XXXX they also engaged in Self dealing by having the Sheriff evict me in violation of the SCRA.
Product: Credit reporting or other personal consumer reports

I am writing to express my profound dissatisfaction with your handling of my dispute regarding the negative items on my credit report. I initiated these disputes weeks ago, yet despite XXXX promptly investigating and removing these negative items, XXXX and Experian continue to report these inaccuracies. This stark contrast in your response times is unacceptable and reflects an alarming level of incompetence.
Product: Credit reporting or other personal consumer reports

I am writing to report that I have been a victim of identity theft resulting from the Experian data breach. My personal information, including sensitive financial data, was compromised, leading to unauthorized activity and harm to my financial well-being. Despite taking immediate measures to secure my accounts, I continue to experience difficulties stemming from this breach. I am seeking guidance and assistance in resolving these issues and ensuring that Experian is held accountable for the mishandling of my private information. 


See attachments for more information.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX  # XXXX, has violated my rights. 

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

15 U.S.C 1681 section 604 A Section @ : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

A lawyers group called XXXX XXXX  XXXX phone number-XXXX executed a court order along with a XXXX XXXX from XXXX county nj to take XXXX dollars out of an old woman on social securities account for a credit card that was charged off of her credit report in XX/XX/XXXX. 
The credit card was supposedly used in XX/XX/XXXX. 
And most credit issues with cards are legally taken off within seven years. 
add- XX/XX/XXXX plus seven years. 
Also it is illegal to take money out of a social security account. 
The whole act was report to the department on aging. 
And the doj. Considering the womans constituants work at a credit department and had told the doj that there are people with XXXX dollars worth of debt- and they continue to receive all types of credit. 
The whole act seems discriminatory. 
This whole incident happened between XX/XX/XXXX and XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX until XX/XX/XXXX, I have paid this company so much money and I only borrowed XXXX to pay back close to XXXX. This company is not fair.
Product: Mortgage

Hello I tried to submit my XXXX payment online but online portal would not work for me. I ended up calling in to nfcu to submit a payment over the phone the lady told me I was good to go and told that XX/XX/2022 payment was successful. Come XX/XX/2022 I look and see that I'm charge for 2 months due to the representative not handling my account properly. I have never had a late inquiry applied from any account but due to navy federal costumer service I'm now dealing with this issue this was not a error on my end.
Product: Credit reporting or other personal consumer reports

I am formally disputing the accounts and inquiries listed on my consumer credit report, as referenced below. These entries are the result of fraud or a data breach, and I demand verifiable proof bearing my signature or electronic signature. 

This dispute is being submitted personally, not through a third party, and requires your immediate attention. I never authorized these accounts or inquiries, and their presence on my credit report constitutes a violation of my consumer rights under : FCRA 605B Blocking of information resulting from identity theft, fraud, or a data breach [ 15 U.S.C. 1681c-2 ].

FCRA 604 Permissible purposes of consumer reports [ 15 U.S.C. 1681b ].

Upon contacting the companies involved, I confirmed that these accounts and inquiries were initiated without proper validation or original proof. Since I never authorized them, they are inaccurate and must be removed. Their reporting is the direct result of a data breach or unauthorized disclosure by creditors or third-party data furnishers.

I demand an immediate investigation and correction of these inaccuracies. Failure to act promptly may result in further action on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal Finance company was paid in full in XXXX of XXXX. At the time the account was closed they advised there would be no negative information reported. However, they reported Collections to XXXX in XXXX of XXXX. When I questioned them about this, they then reported it XXXX as being in Collections in XXXX and XXXX of XXXX, over two full years after it was paid. This account is not in collections and is being reported wrong on both XXXX and XXXX and, in fact, is being reportedly differently on each agency. Company refuses to correct the situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, TN XXXX XXXX ( XXXX ) XXXX I have asked for information for the reporting company for any signed documents that this loan belongs to me and it could not be furnished. Despite the fact that someone else is paying for this loan in a timely manner, it does not belong to me. I have never needed a loan for school because my tuition was mostly paid by my federal financial aid.
Product: Credit reporting

A credit collection company forgave some debt. I received XXXX XXXX 's in the mail. The credit collection company is still reporting the balance before the forgiveness. I sent copies of the XXXX 's to Equifax and they are refusing to change the balance on these accounts.
Product: Credit card or prepaid card

I am writing to dispute the recurring finance charges being applied to my account as they are due to a violation of the Credit Card Accountability Responsibility and Disclosure Act of 2009. I have two types of balances : a Promotional Balance Transfer thru XX/XX/XXXX ( currently {$8700.00} ) with a 0 % interest rate. And a current balance of {$1100.00} as a Regular Purchase at a 12.25 % variable interest rate. I have been making payments higher than the minimum required amount, specifically in XX/XX/XXXX and XX/XX/XXXX. I understand per the USAA credit card agreement ( XX/XX/XXXX, page 6 : " How We Apply for Payments and Credits ) " Amounts in excess of the Minimum Payment Due are applied to the balance with the highest APR ''. USAA is not applying payments and credits made in excess of the minimum payment to the balance of the highest interest rate balance. Instead, they are paying off my 0 % Promotional Balance and allowing for the Regular Purchases balance to maintain and continue to charge me finance charges each month. 

I understand that it is important for me to pay off the balance transfer before the promotional period ends to avoid accruing interest. However, I also believe that it is unfair for me to be charged finance charges on the higher interest rate balance when I've been making payments in excess of the minimum amount due in order to pay off the higher interest rate balance. 

I've made several calls to USAA to rectify and resolve this issue. In XX/XX/XXXX, XX/XX/XXXX, and now XX/XX/XXXX. Once, I was given a courtesy credit but they continue to charge me monthly finance charges. USAA representatives stated that finance charges will continue until the balance is paid in full. They identify " balance as the total balance which is both the Promotional Balance and Regular Purchases '' yet they keep applying all payments to the Promotional Balance, leaving the Regular Purchase Balance the same which allows for the monthly finance charges to continue. 

USAA should adjust my account to reflect the application of any amount in excess of the minimum payment from XX/XX/XXXX thru all future excess minimum payments to the highest interest rate ( Regular Purchase Balance ) both in accordance with the Credit Card Act of 2009 and their very own USAA Credit Card Agreement. 

Please note : I have stopped and will no longer use a USAA credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent CapitalOne a settlement letter and check in the amount of {$810.00}. The settlement letter clearly stated that if they accept the payment, they agree to update my credit reports to show the account as settled for less than full with a {$0.00} balance owed. On XX/XX/2020 CapitalOne cashed the check and the check cleared my bank. As of XX/XX/2020 the tradeline section of my credit reports is still showing a balance owed on the account, and has not been updated to reflect the account as settled for less than full. CapitalOne has not honored the terms of the settlement they agreed to.
Product: Credit card or prepaid card

I transferred the full balance on this credit card to another lender who paid the last bill in full. Now the bank ( Truist ) is charging me {$31.00} interest on a XXXX balance. 
When I called them they stated to me I had not been making payments but that is not correct. In the past 90 days I sent them the following pymts : I paid {$150.00} with check # XXXX, on XXXX. 
I paid {$140.00} with check # XXXX on XXXX. 
I paid {$150.00} with check # XXXX on XXXX.
Product: Checking or savings account

On XX/XX/2021 I filed a dispute with my bank Chase for services not rendered and products not delivered. I provided documentation to Chase and made them aware that I was also seeking legal council to handle this matter. I sent Chase photos of my unfinished kitchen, records of conversations between myself and the cabinet company and was reassured that they would handle the manner accordingly. The original date of transaction was XX/XX/2021 for {$3900.00}. The claim was officially denied as of XX/XX/2021, I was unaware because the denial letter was sent to my neighbor instead of me and Chase did not send me an email update about my dispute ( something they have done in previous cases ) I have attempted to get hold of Chase to no avail. The denial letter that my neighbor gave me states that in order to know why my claim was denied I need to contact Chase, but I cant get ahold of anyone. I am extremely frustrated and upset as Ive had to pay for my kitchen again with a different vendor and now this other vendor is also getting paid for services not rendered and materials not delivered. My Chase claim number is XXXX and the Chase phone number is XXXX
Product: Consumer Loan

It was brought to my attention that a " Negative ( Not more than two payments past due ) '' was added to my report from Wells Fargo DLR SVC. Wells Fargo has not reported correct information on this auto loan account. First, I am only the co-signor on the account and my friend has not missed any payments in the past 30 days in any month. This past month she was in the hospital, but made an online pay well before the required date for this to be reported. Wells Fargo did not process her payment for over a week causing the payment to go late. This was either incompetence or intentionally done on their part. As a result, my credit score dropped XXXX points and XXXX 's dropped about XXXX points. I want Wells Fargo to amend their report to any credit bureau that they reported ASAP. Also, XXXX has been paying this auto on time for the past 3 years.
Product: Credit reporting or other personal consumer reports

I trusted Experian to handle my personal information with care and integrity, but I feel that trust has been violated. Experian claims that an investigation into my disputed information was conducted, yet I was never provided any details about how this investigation was carried out, who was involved, or what methods were used to verify the accuracy of the information. This lack of transparency not only raises serious concerns about the legitimacy of their process but also leaves me questioning whether they adhered to the legal standards required by law. 

Furthermore, I was never asked for or provided explicit consent for my personal data to be shared with third parties like XXXX. Sharing my private information without my clear and informed consent is a violation of my rights, and its both troubling and unacceptable. I deserve an explanation, evidence of proper consent, and assurance that my personal information is being handled lawfully and responsibly.
Product: Checking or savings account

I was sending a payment through Zelle to a locksmith XXXX years ago. I put in XXXX digit that was wrong and it went to someone else. Ive sent them messages with no response and XXXX XXXX XXXX can not help you. They just say sorry try to collect it. XXXX XXXX was the name phone number XXXX. Ive tried many times no response. Im out about {$160.00}. I was trying to help a customer that lost her keys to her apartment and instead of it costing me {$320.00} it cost {$490.00} can you help me