23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

US Bank charged my escrow account, {$3600.00} for Wind Insurance without notifying me. This premium was XXXX times the market rate for Wind Insurance. US Bank bought my mortgage from XXXX XXXX Bank knowing that I did not have wind insurance because it was not needed. After receiving threatening letters from them, rather than argue, I purchased wind insurance for an annual premium of {$4600.00}. I obtained the insurance within one week of their " final notice '' to me. XXXX weeks after I obtained coverage they bought retroactive coverage to the day they bought my mortgage until the day I provided coverage, approximately 2 months for {$3600.00} and unilaterally charged my escrow account. This charge is XXXX times market rate for current coverage, let alone past months with no claims. US Bank took approximately XXXX moth to notify me and another month not getting back to me than charged my escrow account without authorization for these XXXX months at a " robbery '' rate. Please see attached my letter to US Bank outlining the time line with supporting documents.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies on my credit report. Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Transunions actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S. Code 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPBs recent administrative proceeding XXXX XXXX XXXX XXXXXXXX ) against XXXX for similar violations XXXX I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. 
These are the accounts that Ive marked as inaccurate : XXXX XXXX XXXXXXXX Card Services XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX University XXXX XXXX XXXX first issued the XXXX XXXX XXXX XXXX while a successful student at the XXXX XXXX XXXX and several payments were made although I incurred hardship due to economic disadvantages including COVID-19. My current status is postponed until XX/XX/2020 via a phone call from a XXXX representative, XXXX. However upon receipt of my account statement, disclosures of information indicated that fees and an amount should have been adjusted due to the current pandemic. During my attendance at XXXX XXXX University XXXX XXXX XXXX, the XX/XX/XXXX crisis in New York at the XXXX XXXX XXXX XXXX on XXXX XXXX transacted and several bodies were lost such as in the current pandemic of COVID-19 and additional financial relief should be required to offset my medical school studies and other opportunities beyond. In addition to the foregoing, my XXXX school education should be paid for with financial relief disaster plan funds under the executive orders of Governor XXXX XXXX and approved through the XXXX XXXX and all forthcoming Presidents of the United States of America for my long history of problems incurred trying to find work after XXXX school and now as I am applying to return to XXXX in the XXXX at XXXX XXXX XXXX XXXX XXXX even my University of XXXX XXXX XXXX XXXX XXXX XXXX should los be allocated into the funds that would pay for my XXXX education and even XXXX School should that plan fail.
Product: Checking or savings account

On or about XX/XX/2020, Navy Federal Credit Union initiated a debit into my checking account in the amount of {$1700.00}. This debit was due to an Unauthorized Debit dispute denied by them. This dispute was denied in error. 

On or about XX/XX/2020, a company named XXXX initiated an unauthorized debit into my account in the amount of {$950.00}. Then, on XX/XX/2020, the same company initiated a debit in the amount of {$780.00}. These debits were unauthorized. XXXX had no authorization to debit my account. 

I submitted a dispute with Navy Federal Credit Union for both transactions, and a credit was placed in my account for a total of {$1700.00} at that time. 

When I inquired as to why Navy Federal Credit Union waited over 60 days to take the money back out of my account, I was told because my dispute were submitted untimely. I was told that since my account was a sole proprietor business account, I only had four hours to lodge an unauthorized debit dispute into my account. However, I had submitted timely requests to them upon finding out these debits were made out of my account. These disputes should not have been denied.
Product: Checking or savings account

Fraud makes all contracts void. So I looked on XXXX for cash app customer support. Found a number and they seemed legal. I was instructed to transfer funds to a XXXX XXXX XXXX ACCOUNT. Until they the " scammers ''. Could fix the problem. Not knowing it was a scam I proceeded to transfer my life savings. {$13000.00} to them. Once they got the money they hung up and disconnected their number. I finally got a hold of cash app to stop the transfer and to launch an investigation. So I waiting 10 days to here from them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several disputes to transunion for the following credit inquires on my credit report that were not authorized by myself as well as dispute letters and a police report for identity theft. I never hear back from transunion in a timely manner. I have already filed a dispute with you guys on behalf of transunion and still the issue is not resolved. I am listing the inquires that I did not authorize below thank you Inquiry Source Date of Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX
Product: Mortgage

Back in XX/XX/2022 I applied for payment assistance through the Texas XXXX XXXX  XXXX also known as TX XXXX. On XX/XX/2022 I was told by TX XXXX that they needed to speak with my lender PHH Mortgage Services to move forward with my application. From XX/XX/2022 until the first week of XX/XX/2022 I had to repeatedly contact PHH and following up with TX XXXX. I was told something different by each person I spoke with. I was initially told they had the application. Then I was told they didn't have it. I was later told they did not have authorization to speak with TX XXXX  despite me saying repeatedly I give you authorization to do so. I would later find out what was missing was a 3rd party authorization one single document and PHH never made it clear what was required. I was also told my application had been denied by PHH MTG because I didn't qualify, which was a lie. Finally I got the ball moving after threatening legal action. And after thinking everything was going to be okay I discovered PHH MTG received a {$5800.00} payment from TX XXXX on my behalf on XX/XX/2022. However PHH MTG is denying receiving the payment even after being provided a document from TX XXXX that shows the check number, what day it cleared, the tracing number and who it was sent to. PLEASE HELP ME GET TO THE BOTTOM OF WHAT Phh Mortgage DID WITH THAT PAYMENT. I am uncertain if PHH understands to take gov't funds via wire and not allocate them to the proper account and even deny receiving them is wire fraud.
Product: Credit reporting

there are incorrect addresses on my credit report I have never lived and want to be removed
Product: Bank account or service

I applied for a credit card, The representative told me, that the reason they decline me was too many inquiry 's on my XXXX which for 2015 only had XXXX, The representative told me on the phone that they only pulled XXXX inquiry, I told her that you also pulled a XXXX credit report, and she told me they did not pull XXXX credit report, only XXXX credit report, I told her i can look on experian with a confimation that i have with them, and it shows they pulled a credit report XXXX/XXXX/2015, If the representative can lie on the telephone to me, I can see why i did not get approve, Because i have great credit!!! High Limits!!! Good Income!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian XXXX XXXX XX/XX/XXXX do not recognize this account, I would like out to be removed XXXX XXXX XXXX XX/XX/XXXX account is closed would like it to be removed
Product: Credit card

I am writing to file a formal complaint against American Express regarding a grievous error in handling a significant payment of {$45000.00}. Despite fulfilling my financial obligations promptly, American Express erroneously reported the payment as missing and subsequently subjected me to unjustified actions, including reporting to collections agencies. This egregious mishap has caused substantial distress and inconvenience to me and my financial standing. 

On XX/XX/24, I made a payment of {$45000.00} to American Express via check by Mail and was CASHED by American Express, adhering strictly to the agreed-upon terms and payment procedures. However, to my utter dismay, American Express failed to acknowledge receipt of the payment and, inexplicably, proceeded to label it as missing. Despite numerous attempts to rectify this error through communication channels provided by American Express, my concerns were blatantly disregarded, exacerbating the situation. 

The repercussions of American Express 's negligent actions have been severe. The false reporting of a missing payment has tarnished my credit history and caused unwarranted stress. Moreover, the engagement of collections agencies due to this erroneous reporting has inflicted further harm to my financial well-being and reputation. 

This incident not only reflects a flagrant disregard for customer care and accountability on the part of American Express but also demonstrates a systemic failure in their payment processing mechanisms. Such blatant mishandling of payments and misinformation dissemination can not be tolerated in any capacity, especially by an institution of American Express 's stature. 

Should American Express fail to address this matter satisfactorily and expeditiously, I will be left with no choice but to explore all available legal avenues to seek restitution and uphold my rights as a consumer. 

I trust that the Consumer Financial Protection Bureau will investigate this complaint thoroughly and ensure that appropriate actions are taken to rectify the injustices perpetrated by American Express. 

Thank you for your attention to this matter. I look forward to a swift resolution and your prompt response.
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 U.S.C 1681 XXXX # XXXXXXXX XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX # XXXX 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: Vehicle loan or lease

Three weeks after my loan was paid in full Chrysler pulled a payment from my account. That payment has not yet been refunded and it has been over 2 weeks since that happened. The pulling of this payment caused {$56.00} in Over draft fees.
Product: Credit card

I have XXXX unsecured credit cards with Continental Finance. I have gotten behind on making payments. Maybe because I didn't return their call, they forced an ACH payment with my joint bank account without authorization. They submitted XXXX XXXX payments and said it was a paybyphone. I did not authorize verbally, by phone, email or on their site any payments. 
I put a stopped payment on my account today to prevent them from submitting any additional ACHs. 
They had also caused bounce fees when they did this. 
Thank you
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them. List all accounts : 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, credit repair services, or other personal consumer reports

Attempted to validate alledged debt with XXXX XXXX Acct # XXXX with all 3 bredit bureaus and they failed to provide the proper validation documents requested. On top of that the information on the report in regards to the alledged debt is very incorrect. 

I can point out the the ORIGINAL CREDITOR was XXXX XXXX and it also states that the account is in collections with a collections agency. If that is the case, under the guidelines, the balance reported should be {$0.00} ; which it is not on the credit reports ( a snip is attached for you to review ). 

Also, a validation letter came from a company called XXXX XXXX who claims they now own the alledged debt. Also in the letter they provided a copy of the bill which states the amount due is only {$1700.00} and on the credit report it is different along with the amount that shows on their validation letter. None of this information matches up and the line item needs to be taken off immediately. 

XXXX XXXX or XXXX is a third-party debt collection agency based in Florida. XXXX has received consumer complaints alleging violations of the Fair Debt Collection Practices Act ( FDCPA ), including improper contact or sharing of information and threatening to take actions that can not legally be taken. 

As of XX/XX/2017, the XXXX XXXX XXXX reported 508 closed XXXX XXXX complaints over the previous few decades, including 231 closed complaints over the past 12 months. Nevertheless, the XXXX   provides XXXX an A+ rating. Additionally, XXXX lists 37 XXXX complaints filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act, eight alleging violations of the Fair Credit Reporting Act, and one alleging violations of the Telephone Consumer Protection Act.
Product: Payday loan, title loan, or personal loan

I obtained a payday loan in XXXX. I honestly forgot about the loan. I explained to them after no longer having income that I could not pay the loan. I closed the account it was coming from not to do anything fraudulent. I closed it because they kept trying to draw out an account that had no funding. It was so long ago, I honestly forgot about the loan. I received a call today at my job in XXXX saying that they are going to send papers to sue me tomorrow to my address if I do not pay over {$460.00} or so. I can not pay that out of the blue. The amount I borrowed was {$110.00}. The loan account # is XXXX and is in collections. There is a man calling me from XXXX XXXX XXXX by the name of XXXX XXXX. He has the last four of my social security number. He told me they will see me in court and the paper work will be delivered tomorrow. I explained to him I could not make that type of payment out of the blue. I reviewed my emails from years ago, and I took this loan out in XXXX. I can pay the XXXX over two payments. I did borrow that. I went through a whole lot after borrowing it also. I did not plan to not pay them back. Any assistance that can be provided will help.
Product: Credit card or prepaid card

This is a Care Credit complaint. I used them for a large dental bill. Interest, an outrageous 27 %, was deferred for 6 months, but I thought it was for a year. At the last day of the 6 month period they tacked on interest for the entire amount for 6 months at 27 %. When I called, I was told there was a 30 day grace period, but I had not been notified of that and had confusedly put off dealing with the bill until XX/XX/XXXX. 

I'm sure they can prove their case and their legality, but I do NOT think this should be legal. They are deceitful, confusing, and taking advantage of Americans who can not pay for dental, veterinary care for pets, and auto and truck repairs because the economy is so bad for your average American ( 90 % of us! ) All are essential for survival. I think it is unethical to let vultures like this take advantage of us. Usury has been allowed for a long time. Banks charge outrageous interest rates and yet our savings only makes .01 %. How can Congress justify that?!
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX, & Transunion have infringed my rights as a consumer and they are in violations of the following sections of the FCRA 1681i ( 6 ) ( b ) ( iii ), 1681i ( 7 ), & 1681e ( b ). 
On XX/XX/2020 i request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature for the following accounts XXXX XXXX   XXXX XXXX XXXX Also to challenged the completeness & accuracy for the following account XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello : I have contacted XXXX  Credit bureau regarding Identity theft in my account and have subsequently asked to remove all accounts that were not mine as well and any and all address that did not belong to me and provided them with a policy report and my current IDs to support my request. It took several letters to get some of the information removed but they have yet to update 1 account and have not removed the various variations of my name and various incorrect addresses that do not belong to me but that show up on my credit file. I have expressed to them that all this confusing information is probably what exposed my account to the risks of Identity theft to begin with. To date, i am still exchanging letters with them on the matter and they are still not budging. Can you help me ot get their attention to this very critical matter which is severely affecting me at this time? Can you help me remove all names and addresses that do not belong to me and this acct XXXX XXXX that they keep " updating ' with the same information which i dont know where they are getting it from since its in another country altogether? I have even been told that I have an email associated to my account that has nothing to do with me, probably residuals from the fraud which happened.
Product: Credit reporting, credit repair services, or other personal consumer reports

This letter is to inform you that Equifax has failed to vaildate and correct agencies validation that are being reported on my credit report. I have sent certified letters to Equifax in XXXX XXXX and I have spoken with several agents that can not give me the physical information that they received to validate these companies that are wrongfully reporting inaccurate information. Several of these companies are not bonded by the State of Texas to condurct third party collection and the other company can not validate services rendered, my physical signature, picture identification or a signed contract between myself and the compnay reporting. 
Due to the HIPPA law there is no way that the Equifax verfied these : XXXX XXXX XXXX $ XXXX Not my debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX XXXX XXXX XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXXXXXX XXXX XXXX $ XXXX Not Contract/Not accurate information reported XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in Texas/XXXX XXXX XXXX XXXX $ XXXX Not my Debt/Not Bonded in TexasXXXX XXXX XXXX Services {$500.00} & $ XXXX No Contract/Not my debt/Can not verify accuracy I have been a victim of identity theft and I have the fraud alert on my credit report for serveral years now. The statement of the company gave a matching social  security can not validate the account if my social security number has been compromised.
Product: Mortgage

My Mortgage has been paid in full since XX/XX/2022 Select Portfolio Servicing Inc. ( SPS ) legally has to complete the RELEASE OF ALL LIEN ( s ) AND SATISFACTION OF LIEN RELEASE WITHIN THIRTY ( 30 ) DAYS OF THE PROPERTY BEING PAID IN FULL!

I have waited the legal Thirty ( 30 ) days required by the State of Delaware and State of Maryland. 

I now want a full release of the lien ( s ), satisfaction of lien ( s ) release and full confirmation that my property is free and clear with the XXXX XXXX of Delaware - Recorder of Deeds office. 

This has gone on way to long and I will not wait another day to have this completed as it only takes a couple of minutes for Select Portfolio Servicing Inc. ( SPS ) to get this done with the State of Delaware and XXXX XXXX in Delaware.
Product: Credit card

I applied recently for an apartment as I have been at my current residence for XXXX and XXXX years. When the credit portion came back it shows that I have over XXXX inquiries in my name in the last 2 years. A few accounts that were opened in my name in a different city. Immediately finding this out yesterday I went to all the bureaus and sites and I put fraud alerts as well as freezing my credit on all bureaus and making a police report on the fraudulently opened accounts in my name. 
The account mentioned above that was fraudulently opened in my name : XXXX : XXXX XXXX XXXX XXXX is {$440.00}. Original account was opened on XX/XX/XXXX. Credit profile shows reported date is XX/XX/XXXX. As of XX/XX/XXXX it became delinquent. 

I also reached out to the creditor an since nothing has happened. This is definitely damaging my credit because I do not have much credit as I had identity theft in the past 10 years. I would love this to be removed so I can apply for an apartment thank you.