23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I closed on a new home with XXXX XXXX  ( XXXX XXXX ) in XX/XX/XXXX. XXXX XXXX   sold it to Flagstar Bank. I then set up my account promptly with Flagstar bank and set up automatic payments of monthly mortgage payments. All these times I had home insurance bought since the first day with XXXX  insurance  agent. The agent sent the proof of insurance to XXXX XXXX  and no issues and all were good. After the mortgage moved to Flagstar I called them and verified the insurance info and I was advised to verify it online, so I verified it online at XXXX. I then received a physical letter saying I don't have insurance in XXXX until late XXXX - 2 letters total. Both times I verified them via XXXX and the second time I called the rep and told about this recurring letters coming to me even though I verified them online and it showed I have successfully verified that I have insurance for the property XXXX XXXX XXXX, XXXX, NC XXXX - Conventional Without PMI XXXX I then even asked my XXXX  Agent XXXX XXXX to fax this info to the Flagstar and his team faxed the info to them. I got another mail now on XX/XX/XXXX that they bought insurance on behalf of me and charged me {$4800.00} and this premium is unwarranted even though I verified my insurance 4 times and called them twice in this regard. It completely shows how they are not in sync or not doing their job of getting the fax info and updating my mortgage, but charging me 8 times more premium and 2 times more of insurance amount. This is very irresponsible and sucking the money from the highly timely customers like me. Now my agent again verifying my insurance with them. I am totally dissatisfied with their handling of this insurance. If they can't even handle this simple task how they will be taking care of my mortgage or any other customers in the US. I am also reporting them to FTC or other agencies regarding this malpractices and fraud.
Product: Credit reporting or other personal consumer reports

I asked how a debt was verified from a company called XXXX and have not received any information of the debt. XXXX claims the account information is accurate but has not shown proof the account is accurate, nor as the collection company provided any documentation.
Product: Credit reporting or other personal consumer reports

This is the last time that I will be contesting this account. I am requesting that this account be deleted and that an investigation be conducted.
Product: Debt collection

My wages were garnished by XXXX XXXX representing XXXX XXXX in XX/XX/XXXX and then in XX/XX/XXXX for over {$2000.00}. I was improperly served at a location I never resided, therefore had no knowledge of the original court date. Once I researched my rights concerning the wage garnishment, I filed a small claims lawsuit in XXXX County Court in XX/XX/XXXX, where the garnishment was stopped and the debtor was ordered to reimburse me within 30 days with all of the funds that were garnished. In XX/XX/XXXX, I sent a notice to the debtor via return receipt, requesting the monies owed but have n't received anything. I also provided them with an updated mailing address and phone number but have not been contacted.
Product: Credit reporting or other personal consumer reports

There were unauthorized inquiries on XXXX, Trans Union and XXXX. XXXX XXXX dates are XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. XXXX XXXX dates are XX/XX/XXXX XXXX XXXX on the same day. XXXX XXXX dates are XX/XX/XXXX, XXXX XXXX XXXX dates are XX/XX/XXXX 2023
Product: Bank account or service

I tried to purchase an XXXX through Google. It took a day for Google to accept that my credit card was valid. But, when I tried to read the book using Google XXXX, a huge and eventually, insoluble, number of obstacles were put in my way regarding the compatibility of my XXXX devices with Google 's preferred XXXX platforms. I spent over 100 minutes with Google 's call center employees trying to resolve the issue. I sought advice on XXXX which also did not solve the issue. I want the money refunded to my debit card and I want to be paid for the frustration caused by Google 's deliberate ogopolisitc practices .I also want Google to provide me the book in a manner that I can easily access.
Product: Credit reporting or other personal consumer reports

1 XXXX XXXX XXXX  ceases any further unauthorized access to my credit report. 2 XXXX XXXX XXXX compensation me with statutory damages of {$1000.00} for the unlawful credit inquiry in accordance with the FCRA. 3 failure to resolve this issue may result in further legal action, as I am prepared to pursue all remedies available under the law including formal legal proceedings to recover damages for this violation.
Product: Debt collection

I paid a debt that was not verified. I just needed be removed from my credit. I never received a letter from Procollect showing a breakdown of the charges. The apartment community was under new management Each time I called and tried to express the reason why the debt was invalid, the representative stated that they would update my report with a refusal to pay. This was incorrect. I have documents noting the apartment was experiencing heating issues. 

Now that I have paid they have refuesed to deleted the debt as promised. Their responses are always different 1 ) We have reported it to the credit Bureaus, contact them for their timeline 2 ) I must wait 90 days for the debt to be removed from my credit. This is unreasonable. If you are instantly able to report a refusal to pay, you should be able to remove the debt in a more timely fashion Additionally, I have contacted the Credit Bureaus, they have repeatedly stated that you have not responded to their dispute letter. I believe your tactics are not in accordance with the Fair Credit Reporting practices
Product: Mortgage

XXXX and myself owned a business we had a BANKER ( XXXX XXXX from XXXX ) come to us and see if he could do some finances for our business with us, we told him we would like to take out a small business loan and use it to pay off our home mortgage and our business mortgages using our XXXX commercial properties he agreed that would be something his bank could handle. It ended up by us loosing our business ALL of our properties to include our home and with paper work that has been used wrongly. It is very hard to explain however what the paper I have does not match what is in Register of needs. We hired Attorney on our home and they did NOT present any evidence on our behalf and I Had given them more then any one could believe, there excuse was it would only confuse the Judge! Well it also confuses anyone who looks at it. So now I am turning to anyone who can help us clean up this mess and get our money back that was wrongfully taken from us. This involves XXXX that is why it is so confusing and the BANKS would not do anything to help I might add the original Bank was bought out XXXX since this all started and I got the run around from all of them. All of the Evidence the banks Attorneys brought forward is in question because we did not knowingly sign any mortgage on our home and we never sign in front of a notary even if they say we did and I can also prove that is a lie. So as you can see this is a confusing mess, but some one has to care enough to get to the bottom of all of this we are now out of money do to all the attorney fees so far and we still have no answers because it never went to court with our evince the Judge did a summary judgment which was never asked for. So if there is any thing you can do for us to find out where the XXXX loan money went if it did not pay off our home. Please help us! We wrote Senator XXXX and he his the one who told us to get ahold of you for help.
Product: Checking or savings account

citi bank closed the accout but can not identify the person that opened it under my name and my information
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. 


FRAUDULENT ACCOUNTS : Account 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 XXXXXX/XX/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 XXXX 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

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

XXXX Credit Report for XXXX XXXX XXXX here are my consider : XXXX XXXX XXXX XXXXXXXX XXXX IL XXXX please remove from my credit report fraudulent information. address XXXX XXXX XXXX XXXX IL XXXX Pleases remove from my credit report. I contact the credit bureau and this address was not removing. Remove XXXX XXXX XXXX XXXX. The correct address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX Business address is XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX IL XXXX XXXX. XXXX Dept this account open XX/XX/XXXX, paid off {$77000.00} XX/XX/XXXX this account on my credit report didn't get the correct point, which was fraudulent, it was like I was penalizes for pay off early. 
3. XXXX XXXX put on my credit report this account was late I pay off XX/XX/XXXX {$29000.00} the Loan before it was due to expire which was a 6-year loan open XXXX expired closed on XX/XX/XXXX so the information that was given to you it was fraudulent. so why this stays on my credit it affects my credit. I had two accounts with XXXX XXXX pay off {$28000.00}. open in XXXX XXXX I closed the account XXXX XXXX pay off in full. XXXX XXXX XXXX opened XXXX XXXX, Closed XXXX XXXX This account was paid on time, and I paid off. why they closed the account didn't make sense unfair founding because of my student loan but paid off. 
4.XXXX XXXXXXXX XXXX This account was not mine fraudulent
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall remove any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 
XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

My father passed away and left me as the successor of a trust. my older sibling had lived in the house since before my father died. He would not divulge any information about the lender of the mortgage of the house until the foreclosure was put on the door I tried to make a payment toShellpoint lenders to bring the mortgage payment current and was told I had to file a modification application to the mortgage and I did and was given a point person around XX/XX/XXXX and she was not available most times and almost never returned my calls. I was given a sale date of XX/XX/XXXX and submitted all the requested documents by XX/XX/XXXX I was told that everything went to the underwriter and the sale was placed on hold. But, on XX/XX/XXXX, at XXXX XXXX  my house was sold and I was not notified. I was continually told that everything was with the underwriter until XX/XX/XXXX when I found out the notice of sale by the trustee was placed on the door on XX/XX/XXXX. when I called back and ask about the notice n the door I was then given the legal department and instructed to speak with the lawyers to speak with the point person I was given her voice mail and until today I still have not heard from her and can not speak with her. I had a representative from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX helping and keeping an account of the interaction. my representative from them was on the phone with me when they said that it went to the underwriter and it would stop the sale
Product: Debt collection

About five years ago I scheduled a dental appointment for a simple cleaning. The Dentist that provided the service for me requested that I take part in another procedure, I initially said no stating that I would n't have the funds to pay for it. He then went on to tell me that he does this all the time and submits it to the insurance company and they 'll pay for it. Being young and nieve at the time I believed this and asked him to double check and I would come back to start the process. He went on to tell me we should begin now and for me not to worry about it that the insurance would cover it. Long story short the insurance did not cover the procedure and I was stuck with an outrageous bill for over {$4000.00} dollars I was very upset when he told me he was sorry and their was nothing he can do. A couple of years go by and I get a call from an agency representing his company asking for payment I refused and denied the bill. After five years of this being on my credit report I come to find that the agency flags this account once again as a collection starting the aging process all over again. I do n't believe this is right and I do believe that this company needs to be confronted and this collection removed from my report.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax 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 ), XXXX U.S.C. XXXX, which mandates a reasonable investigation of disputes. Furthermore, Equifaxs actions may also contravene the Consumer Financial Protection Act ( CFPA ), XXXX U.S.C. XXXX ( a ) ( 1 ) ( A ) ( B ), as highlighted in the CFPBs recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed with TransUnion about a XXXX collection account on XX/XX/2020. I also disputed this unverified account with XXXX and XXXX. This account was removed from XXXX   and XXXX reports due to being unverified, but Transunion deemed it verified, how is this possible without having proof of verification?? XXXX  and XXXX credit reporting agency removed it according to standards of the fcra as it was supposed to be removed if unverified, but yet TransUnion deemed it verified. I asked for proof of verification from both TransUnion and from XXXX collection directly and have not received anything from either. so if XXXX was not able to verify the account, XXXX and XXXX deleted it as they were supposed to by law. How is it that TransUnion found this verifiable and continue to report this on my account. I want this account deleted from my report due to being unverified!!!
Product: Debt collection

I recently made an inter-state move XXXX. A few weeks after I l moved into my new apartment, I received a letter requesting that I pay a balance to " Portfolio Recovery Associates '' for a credit owed on XXXX XXXX credit card. I have never had a XXXX XXXX XXXX, and the letter was addressed to somebody with my surname but the wrong first name. I ignored the issue figuring it was a scam. I just received the second letter from the same company, this time claiming to be owed a debt on XXXX XXXX Credit Card. I do own such a card but have no outstanding debt.
Product: Credit card or prepaid card

On my credit report there is two accounts that were opened fraudulently I have been trying to dispute them but every time I do they tell me the information is accurate and they won't remove it from my credit reports with XXXX  XXXX and XXXX  the accounts are XXXX XXXXXXXX XXXX by XXXX XXXX  bank and simply be by XXXX XXXX  bank
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears on my credit report through ( rental credit and the experian.com, XXXX and XXXX that I have a civil action form possession open through a court from XXXX XXXX XXXX XXXX this was placed into the bankruptcy in XX/XX/2013. but they keep reporting this information
Product: Credit reporting or other personal consumer reports

I recently received a copy of my 3 beureu consumer report and I noticed inaccurate information posted on my consumer report : 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 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 XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a certified letter to Mariner Finance XXXX XXXX   XXXX XXXX, XXXX, MD XXXX, which was received and signed for by their company on XX/XX/2020 requesting validation of account # XXXX by sending me competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them, and if they could not validate the debt, they are in violation of the FCRA & FDCPA and are required by law to remove any negative marks on my credit report. 

Their response dated XX/XX/2020 was a one paragraph letter stating that they reviewed the account on record and determined the the information reported on my credit file is correct. I received no documentation at all. 

This is a blatant violation of the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. In addition, I notified them that I was disputing this item, and after well over a 2 month period, they have yet to mark the item as " disputed '' on my credit report, which is also in violation, therefore, this alleged account should be removed from my file.
Product: Debt collection

I had an account with XXXX XXXX XXXX and had a balance of {$53.00} on XX/XX/2022, in which I contacted the merchant and made a phone payment in the amount of {$23.00} which was the minimum due at that time. next, I went to the store and made the remaining balance of $ {$30.00}. at that time my account was paid in full. I have the proof that the account was paid before it went to collection. after that, I started getting harassed by Midland Credit Management for the last 6 months I have contacted this debt collector and provided all the proof and even my bank statements that I paid but they continue to demand money and they want {$380.00} more. Midland Credit Management has put this on my credit. MCM # XXXX. 

This account was paid before it was placed for collection. I want them to stop harassing me and calling me. Also, I want this out of my credit report
Product: Debt collection

On XX/XX/XXXX I received notifications from the three major credit reporting agencies that Portfolio Recovery submitted two collection accounts to them. On that same day I called Portfolio Recovery and was told by a representative and supervisor XXXX XXXX that on XX/XX/XXXX letters were sent to XXXX XXXX XXXX and on XXXX XXXX they were returned as undiliverable. They stated on XX/XX/XXXX they sent another letter to XXXX XXXX XXXX, XXXX GA. Neither of the addresses that they sent letters to are mine. When I called there office after not receiving a letter and having the accounts placed on my report, upon calling the representative stated my correct address upon taking the call. However they failed to notify me at that address before placing the accounts on my report. They have violated the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

XXXX5 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