23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased a new home in XX/XX/XXXX and at that time purchased Homeowners insurance with XXXX that was paid in full and escrowed with my mortgage with BB & T. 

On XX/XX/XXXX, the homeowners policy was cancelled due to " non payment '' because a {$40.00} multi discount policy credit was removed when I replaced my auto policy with another company. There was no notice mailed to me, and the insurance company confirmed they emailed a notice to the wrong address. 

I was not made aware of this cancellation until XX/XX/XXXX, when I received a notice from BB & T that my policy had been cancelled. I do not know why BB & T waited this long to tell me the coverage had lapsed. I promptly replaced the coverage with another carrier that day. Coverage is currently in force, and the policy is paid in full for XX/XX/XXXX-XX/XX/XXXX for {$730.00}. 

Today I received a notice from BB & T that they plan to purchase insurance for the lapsed period between XX/XX/XXXX and XX/XX/XXXX for {$3400.00}. 

Since Homeowners policies are " occurrence '' based policies, and there were no " occurrences '' to give rise to any claims on the home, this insurance actually insures nothing. Insurance is the transfer of risk, and in this case there is no risk to transfer. The chance or likelihood of a tornado or other insurable event damaging my property during these prior months is zero since time travel does not exist. 

Please help!!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove any accounts which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

EXPERIAN : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On Monday, XX/XX/XXXX I requested an external transfer of {$4000.00} to another bank institution, I did the procedure normally, which is done for any transfer of funds between bank institutions, and it was approved for them. 
The process indicated for them on their website is, that you request on Mondays, it will be sent on Tuesdays and the money will be available on Thursdays. 
Today with a big disappointment, I noticed in my account with them that the money was still there with them, instead of being on the way to the other institution as should have been. I called today and asked why my money still was with them, and the ridiculous answer that XXXX gave me was " Your account is blocked, seems we need your signature card '' How come? 1st of all, when anyone does electronic transfers in any bank institution don't need a " Signature Card '', Secondly they never asked me for that when I opened the account with them, or when I requested the external transfer, instead of that they sent me 3 e-mails confirming 1st. The registration of the external account, 2nd my ability for external transfers, and 3rd the transfer Request # XXXX scheduled. 
Never they call me or email me to notify anything regarding this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value you setting aside some margin to REMOVE a portion of the data in my credit document ; notwithstanding, there are still many accounts to be deleted. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the credit bureaus to confirm these accounts XXXX  XXXX XXXX  XX/XX/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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My credit report contains late payment remarks that I strongly believe are inaccurate. These false records misrepresent my actual payment history and are unfairly damaging my financial reputation. I refuse to let these inaccuracies go unchallenged. 

Despite my responsible financial habits, these errors are creating unnecessary obstacles. The FCRA is clearany outdated, incorrect, or unverifiable information must be removed immediately. I expect swift corrective action, as any further delay will only amplify the damage already caused. 

Company Name : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Mortgage Company RMS that my mother had Reverse Mortgage with. Is trying to defraud family members who wish to buy Home back. Buy appraising home at more than it value.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has been reporting negative remarks on my credit report. I spoke to my original loan Servicer XXXX XXXX XXXX on XX/XX/XXXX and they informed that they have not reported any on my credit files since XXXX so to take the negative remarks up with Equifax well Equifax reported onXX/XX/XXXX that my loans was in collections which is not turn my loans was paid in full on XX/XX/XXXX. Since equifax is reporting falsely it has caused my score to dropped 42 points which is affecting me in applying for a mortgage.
Product: Credit reporting or other personal consumer reports

I filed an FTC report for identity theft because my personal information has been exposed in data breach of over XXXX XXXX consumers personal information. I would like to have and appreciate of all accounts showing on my credit report to be removed immediately. Two accounts showing negatively are from XXXX XXXX XXXX ( Original creditor XXXX XXXX ) with partial account numbers showing XXXX, ( Original Creditor XXXX XXXX XXXX XXXXXXXX.
Product: Debt collection

XXXX has currently put a bill into collections, they say I owe for a monthly bill. I did not even activate the service and had no use of the service at any time. I took it back 14 days or the grace period of unopened products and decided to send this to Amsher collectors which they say I owed. I had said that is not my bill and I do not owe anything on this bill. They call everyday since XXXX. The amount owed is XXXX dollars
Product: Credit reporting

I had a number of tax liens that I have seen paid and satisfied with the State of Ohio. Once I received the notices of satisfaction and after I filed the paperwork and paid the necessary fees with the courthouses, XXXX and XXXX County, I then sent copies to all of the credit reporting agencies. Several of the liens have been deleted. Others still remain. Transunion still reports XXXX. XXXX still reports XXXX. XXXX still reports XXXX and XXXX all of which have been paid and released and I have sent supporting paperwork multiple times. Each time I dispute, they will reinvestigate and confirm but will not delete. However, several other liens were deleted upon request. It is difficult for me to understand the randomn action. I am rebuilding my credit and the liens will hold me back in terms of my score and will make it continuously difficult for me and my new family to prosper. I am asking this board to investigate if needed/and or direct the credit agencies mentioned here to deleted the aformentioned liens on my reports. Thank you and I appreciate any help you can provide.
Product: Money transfer, virtual currency, or money service

I was scammed by buying tickets from someone who knows how to work the XXXX system easily and my bank had 0 concern to correct this. This happened on XX/XX/18 at XXXX and I called the bank at XXXX to cancel the transaction- and they said there was nothing they could do. But to start from the beginning I transferred to a guy through XXXX. I use Wells Fargo, he uses XXXX XXXX XXXX. He gave me his name, email address and phone number ( which I have ). He said this was the service he was most comfortable with and we all could trust it since it was through the bank. Since I havent used it before and he gave me all the details and sounded like a decent gentleman, I wasnt that concerned with it. The transfer went through while I was on the phone with him. He said he was sending an email and then the call dropped and when I tried to call back I go no answer- so no tickets or anything. I was sure I could cancel thetransfet since it just went through but That wasnt the case. I called Wells Fargo and spoke to a number of ppl which led me to a lady named XXXX a supervisor over the fraud dept. went through all the infor for over an hour again and she said she had to look into it a little more and she would give me a call back that night. She never did, so the next day I called and went through the same process and this time they gave me XXXX XXXX, who was repeating the same thing over and over about why I shouldnt have done it- which I already knew. They had 0 concern for this guy that was scamming others nor do they keep track of when ppl call in regarding scammers. I found out this guy banks with XXXX  XXXX XXXX I filed a police report. And sounds like no one has any respect or concern for the issue. The way I was treated at Wells Fargo was shocking- I know this wasnt my smartest move but Ive banked with them for years and they dont hold any credibility over not warning us the charge will not be pending, and that have a system they are in network with that is perfect set up for scammers to defraud their clients and they have no regard for it they said I probably will not see that money again. Costumer service wasnt very good, it almost makes me want to change banks.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name XXXX XXXX XXXX Account Number : XXXX and list of Inquiries. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 reporting, credit repair services, or other personal consumer reports

This letter is a second request based on new evidence for you to remove inaccurate information from my credit report. 15 U.S.C. 1681e ( b ) provides : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. When examining statutory language, we generally give words their ordinary, contemporary, and common meaning. XXXX v. United States, XXXX XXXX XXXX, XXXX ( XXXX Cir. XXXX ) ( Citations omitted ). In accordance with its ordinary, contemporary, and common meaning, an investigation is a careful search ; detailed examination ; systemic inquiry. XXXX XXXX XXXX XXXX XXXX, p. 966 ( XXXX XXXX. XXXX ).
Product: Credit reporting

On XX/XX/2016, I checked my XXXX XXXX account and noticed that Equifax re inserted and address that does not belong to me. It was my father 's address when he was alive. I then went to Equifax 's web site, pulled up my report to verify the reinsertion and it was correct that they had illegally reinserted that address that didnt belong to me. I was never notified by Equifax that they were going to be reinserting an address that doesnt belong to me. They broke the law by not notifying me within 5 days. Also I had sent them proof of address several weeks ago when I disputed other fraudulent addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XX/XX/XXXX I have been contacting Transunion each month to get this corrected. In the month of XXXX I was told I could not call in and dispute the inquires. I was informed to send the disputes by mail. I check backed in XX/XX/XXXX I was told at first they never received anything. The next time I called I was told I did it incorrectly. The representative connected me to a supervisor and told me I needed an ftc report and or deletion letter. I have contacted these lenders and nothing has been sent especially if they have nothing on file for me. I have tried to file an ftc report but it directs me here. I attempted to call once last time explaining this and no help. 

I Do not recognize or authorize any of these inquiries on my report and need them removed from my Transunion report. 


XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX, XXXX, XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX BANK XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX
Product: Student loan

Beginning in 2018 I informed Navient that I was not a cosigner on a loan for my XXXX.  I had been a cosigner on a loan for her that I paid off completely but was not a cosigner on another loan through Navient. I did make payments to the second loan as a courtesy to my XXXX who was struggling financially but never signed on as a cosigner.     I went through an extensive process with them that required filing police reports and obtaining a large amount of documentation.  They indicated that since I made payments on the loan it indicated that I was responsible for it and they considered me a cosigner.      I wrote to them many times without response.  My Attorney alsop wrote to them without response.  I indicated that I would be happy to litigate their claim but that until it is resolved  they should not impair my credit.   However, they have severely harmed my credit and caused me to have to pay much more on the mortgage for my home and laon for my automobile    Navient remains unresponsive to my requests to not harm my credit and/or to litigate their claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX Credit Bureau is reporting inaccurate information on COMENITY CAPITAL/HSN. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Product: Debt collection

Consumer Portfolio Services has excessive trying to collect on a car only that I pay monthly. They keep sending excessive emails and calls daily. I told them to stop harassing me on multiple occasions. They just dont seem to care. They have contacted me over 24 times that I can recall this years with excessive emails and calls. Im tired of there constant harassment. I did tell them to stop harassing me.
Product: Mortgage

We had a water damage at our home. XXXX XXXX issued us XXXX check and a XXXX check to rebuild the home but put the bank name on the checks. The bank took the check for XXXX because that is the total amount that we owe on the house ( the loan amount is XXXX ) so they held that entire amount of the loan and refused to issue any draws off the total loan amount. The bank would not release the checks to us until the house was XXXX % complete. We put our own money into rebuilding the house, the bank came out and inspected the property and said the house is XXXX % complete. Then the bank would not release the XXXX check and is telling us that we need to endorse the new XXXX check and they need to put that new check also in an escrow account. Popular Mortgage Service of XXXX Ohio is currently holding over XXXX of my insurance funds, of which all repairs are complete, and then the XXXX which I asked them to sign over to us, they also will not allow us to have it and they want to hold that in an escrow account too. Please help.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXX/XX/XXXX XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a credit card with Barclay 's Frontier Airlines that was unfortunately closed and charged off due to my being unemployed for several months. Barclays sold that account to XXXX XXXX. I paid XXXX XXXX  and settled the drbt in XX/XX/2021. XXXX XXXX 's policy is pay for deletion, which they have done, however Barclays is continuing to report that debt to being currently theirs to all 3 credit bureaus. I have disputed and submitted the paid in full letters to all three credit bureaus and Barclays, but Barclays refuses to update and correct the information. Because of this inaccurate reporting from Barclays, my credit scores have dropped over 100 points. I have worked hard to save money to pay off my debts and save money to purchase a home. Because of this Inaccurate reporting I can not do so at this time. I need this information that it causing severe damage to my credit worthiness corrected an removed
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
The accounts below have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my EXPERIAN credit report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 
And according to 15 USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 they are supposed to 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 inaccuracy.
Product: Checking or savings account

Sometime around the end of XXXX there was an unauthorized person added as a joint owner to my Chase account. As I later found out, another customer with the same name as mine wanted to add their spouse to their account. However, an employee of JP Morgan Chase failed to perform a proper identity verification and added them to my account instead. As a result of this negligence, this unauthorized person had a complete access to my bank account for over 2 months. They used the account as their own, including changing mailing address, performing withdrawals and deposits, etc. Finally, over 2 months later when I noticed my statements wouldn't come in anymore, I contacted the bank and they removed unauthorized person 's access and reverted the unauthorized transactions. 

I can provide the supporting documentation upon request.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the XXXX data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
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 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 XXXX
Product: Credit card or prepaid card

There is a bill that has been sent to me since XXXX for a Mastercard that I don't have.I called and tried to explain to the representative but all she wanted was my account number and I told her all the acct # that I had was on the bill they sent me and it was not mine so I was not giving it to her. I kept telling her that I don't have one and that if i did have the card wouldn't I have to activate it first in order to purchase something. She said yes but she still needed it to verify my account before she could help me. Then she wanted my phone number so I gave it to her and then she wanted my Social Security number which I told her NO that I may be old but not stupid. I'm XXXX years old and I have a credit card and a Sears card and I'm on Social Security but she didn't want to hear that either so I hung up the phone.On XX/XX/2020 I received a letter from Citi Cards stating that they would not call me about my past due account. Here it is now XXXX and I just got another bill for {$190.00} for past due account.I am so tried of these people saying I owe them money when I don't have their card. Please help me cause I have tried to deal with them in writing and calling but nothing seems to help. I feel like they have targeted me because I'm a senior citizen. You are my last hope. Thank You
Product: Bank account or service

Bank of America vacated my account XXXX and kept the money. I had been trying to close this account for years. Now when I call them they ca n't heip me.