23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am writing to address a matter regarding my account with FLAGSHIP CREDIT ACCEPTANCE Recently, I reported to all three credit bureaus that I have been a victim of identity theft. Despite my efforts to rectify this situation and providing the necessary documentation, I have observed that FLAGSHIP CREDIT ACCEPTANCE continues to verify the information in question. 

I wish to draw your attention to the responsibilities of furnishers outlined under the Fair Credit Reporting Act ( FCRA ), particularly sections FCRA 623 ( a ) ( 6 ) ( B ) and FCRA 605B. According to these provisions, when notified by a credit reporting agency ( CRA ) that a consumer 's identity has been stolen, furnishers such as XXXX XXXXXXXX have specific duties : Preventing Re-Reporting of Information : If a CRA notifies you that information furnished by FLAGSHIP CREDIT ACCEPTANCE is being blocked on a consumer 's credit report due to identity theft, FLAGSHIP CREDIT ACCEPTANCE must have procedures in place to prevent the re-reporting of such information ( FCRA 623 ( a ) ( 6 ) ( A ) ). 

Restriction on Debt Resulting from Identity Theft : FLAGSHIP CREDIT ACCEPTANCE may not sell, transfer, or place for collection any debt resulting from identity theft if notified by a CRA ( FCRA 615 ( f ) ( 1 ) ). 

Furnishing Information Regarding Fraudulent Accounts : Upon receiving notification from a consumer who is a victim of identity theft and providing an identity theft report, FLAGSHIP CREDIT ACCEPTANCE may not furnish information to a CRA regarding the fraudulent account or debt ( FCRA 623 ( a ) ( 6 ) ( B ) ). 

Prompt Notification of Inaccurate Information : If FLAGSHIP CREDIT ACCEPTANCE l finds that it furnished inaccurate information due to identity theft, it must promptly notify each CRA of the correct information and ensure that only complete and accurate information is reported in the future ( FCRA 623 ( a ) ( 2 ) ). 

Obligation to Supply Records : If FLAGSHIP CREDIT ACCEPTANCE l provides credit, goods, or services to consumers, it may be required to supply application or other transaction records to an identity theft victim or law enforcement officer upon request ( FCRA 605B ( f ), 615 ( g ) ). 

I trust that FLAGSHIP CREDIT ACCEPTANCE will adhere to these obligations under the FCRA and take the necessary steps to rectify the situation promptly. Please cease the verification of the disputed information and ensure that it is blocked from further reporting. 

I appreciate your attention to this matter and anticipate a swift resolution..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting acct XXXX XXXX has violated my rights. 

15 U.S.C 1681SECTION 602 A States that 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 an account without my permission In accordance with the fair credit reporting act ( XXXX XXXX XXXX XXXX acct # XXXX ) has violated my rights. 

15 U.S.C 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

( F ) Reporting information during COVID19 pandemic ( i ) Definitions In this subsection : ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus disease 2019 ( COVID19 ) pandemic during the covered period.

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus disease ( COVID19 ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates.
Product: Student loan

Navient..crooked from Day 1. My loans were not released in bankruptcy. I've applied for income driven repayment and have received no response or help. The rules seem to change all the time, but they lock you in. They keep taking and do not work with you or respond unless you give them money.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2020 Amounts : The Balance on my account for the Each transaction I checked my balance of my account of PayPal and those the balance including many transaction, I checked the balance for the each transaction. However, the balance of the each transaction was not calculated correctly. 
I contacted the CS of PayPal and she checked my account but the amount she told and what I'm watching under my account was totally different. I took the some screen shot how the calculate was wrong and I explained to the CS what I see here right now is totally wrong. 
Unfortunately, she told she is watching different balance amount for the each transaction. 
I asked I'd like to see the record what she is watching and asked to send it via e-mail but she told she can't do that but I can see the same record if I download the all transaction. So, I dowloaded but it did notshow any balance for the each transaction, just show PAYMENT only. So, I don't know what she was watching and what she was hiding. 
Anyway, I believe that when I accessed to my account, I should be able to see the correct record ( Not the sloppy wrong calculated record ) under my account page. I know PayPal is neither bank nor Credit card company but they handle people 's money, so should be able to explain why the calcurate is wrong in my account without any hiding.
Product: Credit card or prepaid card

With approval of this Barclay Visa card last year it was understood that a promotional interest free period of 12 months for the purchase of XXXX products which was done. Funny thing is that this interest free was about to expire ( last year ) and the interest free would not be unless the entire balance due on the card was paid. Essentially extorting the full balance of the card. Okay balance was managed and paid. So this year purchasing another XXXX product this same tactic was " automatically '' applied for interest free. No way to choose regular or promotional like my other Visa card. One XXXX product, two XXXX products, three XXXX products generated three different promotional dates of expiration. Once again all three dates are separate in time and interest accrued. Paying off the earliest balance ( $ XXXX ) does not remove the expiration. Even though in the last six months have paid {$1000.00} to pay off at the very least that first " promotional interest free balance due to expire XX/XX/2020. Indicating that the interest will be charged at the end of that expiration etc. Once again the entire full balance of the card MUST be paid in order for " interest free '' to be interest free. All the while interest is charged for nonXXXX products purchased. Isn't this double billing on interest. Can't pay off the balance for interest free, while charging interest on periodic balances. XXXX!
Product: Mortgage

My mortgage was sold by XXXXXXXX XXXX to Freedom Mortgage. Both companies provided me with transfer information such as how to make payments to the new mortgage holder, what to expect and that this was a normal business transaction. 

Neither company informed me that I had the burden to provide Freedom Mortgage with proof of insurance. I find this to be very poor business practice ; it provides the opportunity for Freedom Mortgage to make a profit on house insurance, scamming the homeowner ( me ) into buying unneeded insurance. 

I pay for my house ( hazard ) insurance in full, annually. I paid for it well before the due date of XX/XX/2024. Freedom Mortgage was not notified that I purchased this insurance covering the equity, the house for which my mortgage loan is made. 

Freedom Mortgage, assuming that I had no house insurance informed me by letter, dated XX/XX/2024, that they would " purchase an insurance policy '' for my property. 

On XX/XX/2024, returning from vacation and finding the notification from Freedom Mortgage, I called them and spoke with a " XXXX '' in their insurance department. While on the phone with her, I called my insurer and switched my coverage to name the mortgage holder from XXXX to Freedom and was told by my insurer and by Freedom Mortgage that this notification came through to Freedom Mortgage. 

I asked to inform a supervisor about this problem and XXXX XXXX connected me to a woman named " XXXX '' or " XXXX '', I am not sure of the spelling. 

" XXXX '' was firm in stating that Freedom Mortgage had no responsibility in asking or reminding me to provide them with proof or insurance on the mortgaged property. I insisted that she take my complaint as a recommendation to more clearly do so. She agreed to do that. 

I can provide the letter from Freedom Mortgage dated XX/XX/2024, entitled " Welcome to Freedom Mortgage Corporation '', which has no mention of the need to change house insurance coverage. 

I am dismayed that consumers are not better informed of the steps to take during a transfer of their mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I submitted a written letter to the following XXXX XXXX XXXX XXXX asking them to stop reporting the Bankruptcy listed on my credit report. 
I received a letter from XXXX XXXX XXXX that stated they do not release any information related to my bankruptcy. 
I then requested that XXXX, Equifax, and XXXX reframe from listing the information on my credit report. No response and they failed to remove it. 
On XX/XX/2022 I submitted a CFPB complaint requesting that this be removed and no response please remove the listed the bankruptcy on my credit report.
Product: Debt collection

Good Morning, XXXX XXXX XXXX had that I owed a balance for the modem equipment that was returned. I contacted Prince-Parker to inform them of the return as they have just called me. I spoke with a representative that informed me that they will still report on my credit even after the return. I then informed her again they are attempting to collect on an account that no longer have a balance and XXXX XXXX XXXX will be contacting them as I just spoke with them. I also informed her that no only are they attempting to collect on a settled balance but they are illegally trying to collect in a state they are no licensed to collect in.
Product: Credit reporting, credit repair services, or other personal consumer reports

The TRANSUNION credit bureau is listing a public record for a judgment that is not valid. I 've requested them to investigate the validity and they are lying saying that they are going to confirm its validity. I 've just received a letter from the  XXXX  County Supreme Court Stating they do not nor ever reply or verify or validate any information with the Credit Bureaus. I 've also Put a FREEZE on  XXXX  information so Transunion is lying and we want it removed immediately.
Product: Checking or savings account

I willfully surrendered my vehicle to my bank ( Truist Bank ). I've called for months trying to get them to come get it, they still haven't. They charged my account money for the auto loan ( without authorization ) which according to them, since it's being repossessed, they should not have done. I have tried filing a reverse funds claim, I have called for 5 days now and anyone I speak with says that they submitted my claim and should be getting a call in one-two days. I still have not received a phone call or any correspondence from the bank. I have called the auotloan department three times and a local branch twice. My account is overdrawn, it went in the negative when they took over {$500.00} without my authorization and it keeps getting hit with overdraft fees. Over {$100.00} so far in overdraft fees. For four days now I have not been able to get gas, my medication, food, nothing. And they are straight up lying to me about the issue being handled. I was told by one person it WOULD be reversed but it would take 1-2 days. It's been five days.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I pulled a copy of all three credit bureaus and I noticed the creditor XXXX XXXX listed on my credit report were not reporting payments made to the account since XX/XX/2021 appalled at this error I reached out to the major credit bureaus ( XXXX Transunion and XXXX ) on XX/XX/2021 via certified mail I included in this letter an explanation of the error along with a copy of the payment history from the creditor XXXX XXXX along with an government issue ID and a utility bill to correct my current physical location, I then waited 30 business days for a response from the bureaus the response was overwhelming that claimed despite evidence of the inaccuracies that this account was certified via the creditor to be reporting accurately and current. I then contacted the company 's regulatory department and was contacted by a company representative named XXXX XXXX Legal Assistant, Compliance on XX/XX/2021 she too had assured me that according FCRA they are required to report factual information to the credit agencies only I informed XXXX XXXX that is correct and questioned as to why the payments that I have been making on my loan are not being reported she went on to assured me that XXXX XXXX  is reporting up to date payments on the account to the Major credit bureaus, I then explained to her further that I have copies of my credit reports and they are not reporting any of the payments made in the last 90-120 days she then asked if I could produce copies of my credit reports to further understand the error I submitted the copies via email address XXXX XXXX XXXX assured me she would submit this information " credit reporting department '' and reach back out to me regarding this incident. On XX/XX/2021 XXXX XXXX did reach back out as promised and to my surprise XXXX said " The credit reporting department assured her that they are reporting accurate information along with payment history to the major credit bureaus and that I would again have to dispute the information with the credit bureaus as they have no control over what the credit bureaus report on my credit profile from their company and that they would not be able to reach out to the credit bureaus to correct this error ... ... .convinced that this issue will continue to go on and continue to deface my credit history I wished XXXX a great day and let her know on a recorded line as she informed me that I will be filing a complaint with CFPB Complaint Number XXXX Since then a complaint was filed and closed on XX/XX/2021 with the creditor and they have once again assured me the payments made to the account with XXXX XXXX have been reported to the credit agencies as true and accurate along with payment history and signed contract directly from the creditor uploaded to this website and I have been since instructed that if this error continues to reach out to the credit agencies XXXX and Transunion who continue to report these inaccurate information as is violates the FCRA consumer laws to report only true and accurate information and once again the credit agencies failed to correct the error
Product: Vehicle loan or lease

I have a loan from XXXX XXXX XXXX, now Community Bank in NY. It's for a used atv. I want to pay it off. XXXX is the monthly payment. The bank is telling me the payoff is the total of the monthly payments. I'm being forced to pay interest on a loan. I am not able to just pay a principal amount. This is the second time I'm filing a complaint. The first time they responded and said that was right.
Product: Credit card

My XXXX XXXX on XXXX/XXXX/2016 was canceled and was rescheduled for XXXX/XXXX/2016 at XXXX that was rescheduled for XXXX/XXXX/2016 at XXXX That flight was good to go and l took it. 
do to these cancelations l had added cost. 
XXXX {$89.00} XXXX {$90.00} XXXX {$25.00} XXXX {$85.00} XXXX {$100.00} XXXX {$35.00} These were all additional cost that l had to cover out of pocket do the the cancelations that l had to endure. 
for a total of {$420.00}
Product: Credit card or prepaid card

Hello, I have a dispute my credit card company refused to resolve, but before I get into it I want to thank you for all you and the CFPB do. You have helped me in a situation once before, and I think your agency is essential for maintaining the balance between consumer protection and good business. On XX/XX/XXXX, I purchased an XXXX screen protector from XXXX  XXXX for {$35.00}. The next day, I attempted to return the item but was refused. XXXX XXXX  claims screen protectors fall under the category of " consumables '', and these products are not eligible for refunds. I was never once told screen protectors are " consumables '' until I chatted with an agent yesterday, nor was I ever told the item was nonreturnable. My argument stands that a lay person would not know a screen protector is a " consumable '' item, as this term generally refers to things you actually consume, like food, etc. ( which Best Buy sells ). So, I took my dispute to the next level and opened a case with my credit card company, American Express, on XX/XX/XXXX. A month goes by ( just long enough for the returns and exchanges window to pass ) and I receive a " resolution '' letter from American Express informing me XXXX  XXXX saw no evidence I attempted to return the item and that they would be reinstating the charge. Obviously, if they refuse a return there would be no " evidence '', as there was no transaction, but they could check their security cameras and see I was in the store and did attempt to return the item. I even have the dated pink sticker they give you when you enter the store with product. There was no attempt made by American Express to gather more evidence from me, like a picture of said sticker, nor was I ever contacted by XXXX XXXX. 

Reading the dispute, American Express and XXXX  XXXX seem to assume the item I attempted to return was damaged. I'm not sure how they could come to this conclusion, especially while maintaining the claim I made no attempt to return. 

The whole incident is disheartening and generally has the feel of big companies trying to take advantage of the consumer. Any help you may provide is welcome. Thank you in advance. 

Regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I've contacted each of the three credit bureaus regarding hard inquiries on my credit reports they are inaccurate. On my transunion report they are several of the same thing. I've notified them that they were not authorized and asked them to be removed. I have credit monitoring. I monitor my reports religiously.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian claims 3 ways to get a credit report : Web access, phone and mail. 

Can't access Experian web site for a free report. I consistently get the follow error : XXXX - Access Denied Error code 16 This request was blocked by the security rules XXXX XXXX XXXX Your XX/XX/XXXX|Proxy XXXX ( ID XXXX ) Incident ID : XXXX Clearly Experian has blocked my IP number for access making it impossible to get a free report online. 

Calling has another problem - the phone robot always hang up on you when you have exceptions to the questions asked. And there is no way to talk to a live person. 

Mailing has another problem, Experian returned my mail unopened. The return to sender ticket by Experian clearly shows that Experian tried to hide my return address. 
on the package. 

if mail, web and phone have all denied me access - it appears that Experian has quite a problem and doesn't want to comply with foreign resident addresses and mailing out credit reports to Americans serving our country overseas.
Product: Payday loan, title loan, or personal loan

I am writing to complaint against a financial institution call Solar Mosaic LLC located at XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX with the CA Finance license # XXXX. 
This company disbursed all the money from a loan acquired by me to a company that I hired back on XXXX XXXX to do solar panels and some improvements to my home and that never finished my project. We contract XXXX XXXX XXXX XXXX  aka XXXX XXXX XXXX, Owner name XXXX XXXX XXXX XXXX and his wife XXXX XXXX. Their company address was XXXX XXXX XXXX XXXX XXXX FL, also have another address on file as XXXX XXXX XXXX  XXXX XXXX XXXX FL XXXX but apparently, they closed the company. Owner address is XXXX XXXX XXXX XXXX, FL. As today XX/XX/XXXX our home improvement is still not finish and the owner calls saying that he doesn't have the money to finish my improvement and he said that we need to wait more time until he can get more money to finish our project, when the financial institution give him all the {$120000.00} of the loan back on XX/XX/XXXX. The financial institution just asks me if the panels was installed on the house but they never ask for the completion of all the improvement that goes in the contract and its not just me is more than XXXX families having the same or very similar situation with this company XXXX XXXX XXXX XXXX XXXX aka XXXX XXXX Solar and this financial institution Mosaic. They all have been fraud with thousands of dollars. Paying their loans without the completion their projects also they fraud us with the solar warranty and services that their promise to me and my wife. We need your help and this need to be investigated as soon as possible. We are paying a total amount with interest of {$150000.00}. We never see this money, Mosaic just send it to XXXX XXXX  XXXX XXXX XXXX aka XXXX XXXX  Solar directly and is so frustrating to pay a loan without them finish their job and under lies and false promises to the consumers.
Product: Debt collection

State Collection Service Inc is trying to collect a medical bill from XX/XX/18 of {$260.00} from me. This is not my bill and belongs to an ex spouse. I have never gone to, or been treated at XXXX XXXX   XXXX or any other hospital. 

I have disputed this claim, but XXXX has not removed it enough it is not my bill and no proof can be shown it is mine as it is not.