23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Before my mortgage loan closed, the underwriter stated that a condition of closing was that my flood insurance policy had increased to the replacement cost estimator provided by the insurance company. This was done and the loan was approved for closing. After the loan closed, the same mortgage company came back and requested that I increase my flood coverage to {$32000.00} more than the cost to replace my home stating it was their right to do so and acknowledged it offered me no benefit. 

If this was truly a requirement for this loan, it would have been required by the underwriters before my loan was cleared for closing. I feel this is an unfair business practice and is causing me to over insure my home. I would not recommend this mortgage company to anyone. 

I have attached email communication from the lender to myself and the insurance agent before closing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I HAVE REVIEWED MY CREDIT REPORT AND FOUND SOME INACCURATE ACCOUNTS AND ENTRIES IDENTIFIED AS INQUIRIES THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAVE CAUSED A GREAT DEED OF HARDSHIP ON MY CREDIT. IT IS SO UNFAIR TO ME BECAUSE I FEEL LIKE I'M IN THIS SITUATION BECAUSE OF SOMEONE ELSE 'S SELFISH WAYS AND I HAVE NO OTHER CHOICE BUT TO SUFFER THE CONSEQUENCES. I HAVE ABSOLUTELY NO IDEA OF ANYONE WHO WOULD HAVE MY PERSONAL INFORMATION TO BE ABLE TO DO SUCH A THING TO MY CREDIT. IT IS NOW SO HARD FOR ME TO ACQUIRE NEW CREDIT WITH MY CREDIT BEING DAMAGED THE WAY IT IS. I AM AT A STANDSTILL AT THIS POINT OF MY LIFE AND THERE IS SO MUCH I WANT TO ACCOMPLISH. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE. ALSO PLEASE DO KEEP IN MIND THAT THE ACCOUNTS AND INQUIRIES DOES NOT RELATE TO ANY TRANSACTIONS MADE BY ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX i paid a real estate loan in the amount {$6900.00}. 
On XX/XX/XXXX i paid a credit card balance of {$4800.00}. 
Over the last 3 months i paid the balance on 3 other credit cards. 
None of the credit cards were canceled they just do n't have a balance. 
When i started paying my debt. i had a Transunion credit score of XXXX and XXXX score of XXXX. 
Once these payments were reported my transunion score dropped to XXXX and XXXX to XXXX. 
Because of this i was denied a loan at a bank. 
All of my payment history is good no late payments.
Product: Checking or savings account

I deposited my payroll check on XX/XX/24 for less than {$5000.00} in a checking account I opened a few months ago using the M & T app. I already had direct deposits for the same amount and the same payor going in another checking account at the same bank, but I had opened a new account since my original account has mine and my mothers name on it. The bank asked for my employer when I opened the account. Why ask for my employers name if youre going to flag the checks they send? Do a lot of people get fraudulent checks from their employers? My online access to my bank accounts has been suspended and the check has still not cleared. I get paid once a month and have bills coming due that I have to use my savings for until this is resolved. I have gone to a branch 2 times with no resolution, each time saying I would get a phone call. I have not gotten any calls from the bank. I have also called the customer service number twice and they direct me to the branch. I have been a customer at M & T for around 10 years. This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.
Product: Debt collection

This is a complaint against SCA Collections in XXXX, N.C. ( Tel : XXXX, which keeps sending me demand letters for an alleged " debt '' for a biopsy ordered by XXXX XXXX XXXX and his Billing Office at XXXX, CA, Tel : XXXX. I had seen XXXX XXXX for decades, without incident until a few years ago, when I was a XXXX at the University XXXX. I got bills, allegedly for " unpaid '' services. I brought this to the attention of XXXX XXXX. The bills persisted. XXXX XXXX, however, claimed my balance was " XXXX. '' On XXXX XXXX, 2015, I saw XXXX XXXX, who ordered XXXX in XXXX XXXX. ALTHOUGH I NEVER RECEIVED A BILL ( {$200.00} ) FOR THIS XXXX, AND ALTHOUGH I HAD FREQUENTLY PROVIDED -- in person -- XXXX XXXX AND HIS BILLING OFFICE WITH MY CURRENT MEDICARE NUMBER AND XXXX XXXX XXXX NUMBER, XXXX OFFICE PROVIDED XXXX, XXXX, WITH INCORRECT HEALTH INSURANCE INFORMATION. THIS HAS LED TO SIGNIFICANT PROBLEMS REGARDING MY CREDIT RATING!!! 

In XXXX I received an " IMPORTANT NOTICE '' from SCA Collections. 
It states : " You must contact this office to discuss PAYMENT IN FULL of this obligation. PAYMENT IN FULL WILL PREVENT FURTHER COLLECTION ACTIVITY YOU ARE HEREBY NOTIFIED THAT A NEGATIVE CREDIT REPORT REFLECTING ON YOUR CREDIT RECORD MAY BE SUBMITTED TO A CREDIT REPORTING AGENCY IF YOU FAIL TO FULFILL THE TERMS OF YOUR CREDIT OBLIGATIONS. '' In fact, SCA already reported my alleged non-payment of this obligation to the XXXX XXXX XXXX XXXX. This credit agency then issued an erroneous credit report, based on the ( mis- ) information provided by XXXX XXXX XXXX billing office to XXXX XXXX XXXX , claiming I have an " obligation '' of {$200.00} and I should " immediately '' pay this " debt. '' On the basis of the misinformation contained in XXXX XXXX report, the XXXX XXXX XXXX ( and possibly other users of XXXX XXXX credit services ) refused to reissue to me a credit card -- even though I have substantial accounts with the XXXX XXXX XXXX -- and will not do so until this matter has been resolved. HENCE, BECAUSE OF THE MISINFORMATION PROVIDED BY XXXX XXXX BILLING OFFICE, AND THE ACTION OF SCA COLLECTION SERVICES, MY CREDIT APPEARS TO HAVE BEEN FROZEN AND MY CREDIT RATING HAS BEEN DAMAGED! 

I have inquired further, and, according to XXXX billing office, which contacted SCA Collection Services to " collect the debt : '' " The entire {$200.00} has been waived. If needed, please utilize my previous email as a reference for any inquiries. 

Thank you, XXXX, CA XXXX p : XXXX '' I am seeking redress against both SCA Collection Services and the billing office of XXXX. In addition, XXXX XXXX billing office is also implicated in this mess and the subsequent damage to my credit status. Appropriate compensation ( billed at $ XXXX/hour ) is also sought for the time I have spent dealing with these issues. 

Thank you for your attention to this matter. I look forward to hearing from you soon. 

Sincerely, XXXX
Product: Debt collection

They called me saying I had debt. I have no debt. They call the company Portfolio Recovery Associates and they are in Virginia. Their number is XXXX. The call came on or near XX/XX/18.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, on XXXX, XXXX I sent In dispute letters to all three credit bureau 's XXXX, XXXX, and Experian stating the inaccuracies that are reporting on my consumer report referenced from the FCRA & consumer laws asking them to remove the inaccuracies and to send me a updated report with the correction made. I never received the updated credit report/consumer report with the corrections and the inaccuracies are still reporting inaccurate on my consumer report. 
According to the FCRA everything on the consumer report should be factual and accurate across all bureaus and that is not the case as of today XX/XX/2023. I feel like I'm being mistreated and bullied of my rights as an American citizen as these inaccuracies are still reporting. I'm being hinder from financing from banks and lenders, as well as unable to secure a job to take care of my family of XXXX all under XXXX. As hard as it is already being a single XXXX XXXX XXXX XXXX in America these inaccuracies on my credit report is a barrier from achieving success, securing a job and taking care of my family. I need immediate help to fix this problem.
Product: Checking or savings account

Opened account XX/XX/17 and followed the requirements for bonus. Code was automatically applied on online application and was n't able to get code readout. Waited about 120 days before contacting. 
Messaged general inquiry. They mentioned that I used a code that made it uneligible and I was out of state. However, the final print was changed after I applied as it did not have the state requirement. They said I could no longer escalate the matter.
Product: Debt collection

Spoke with collector, XXXX and was spoken to in a derogatory tone, she refused to provide validation, she told me to go back to original creditor to get my validation, she then stated she is sending invoices, I told her that is not proper validation and she hung up, I called back and spoke with XXXX XXXX, he was just as rude and bullying as the last collector I spoke to, he forced me to send him a letter stating my dispute, I did, I called to make sure he got it and he again was condescending and rude, I called again a few days later and spoke with XXXX attorney XXXX XXXX and he refused to do anything- ( XXXX never gave me a mini Miranda and XXXX and hung up on me when I asked him to remove this from my credit as it is not mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke with XXXX, Transition and XXXX about an account ( XXXX XXXX card ) that's on my report it was open fraudently by an family member
Product: Credit card

I recently applied for an Exxon credit card and was approved, but their system said I needed to call in to verify some things. I was unable to get through their automated system to even talk to a person to see what the issue was. After a few days I received an email stating I was approved and that my card was on the way. After receiving the card, I tried to activate it and once again it said I need to call in. I called in and once again was unable to get to the right person to find out what the issue was. Then their rep hung up on me. I did not curse or do anything unprofessional. Called back in and had to navigate the phone tree again to finally talk to a person. This person said they would have someone call me back at a later time, after saying they couldn't verify my account with a phone number. I asked to speak to a supervisor and told them I would hold to speak to a supervisor. They told me a supervisor would call me back, but I declined and said I would stay on the phone as I didn't want to have to go back through the phone tree again. At this point I just wanted to cancel/ close the account. They kept trying to say a company as large as Citi didn't have a supervisor available and I find that hard to believe. They kept trying to get me off the phone without resolving any issue. Finally after 45 minutes I was able to get a supervisor on the phone and I was placed on hold again. After being on hold for 10 more minutes I was hung up on again without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2020 i checked my home depot account issued by citi XXXX and saw that i had a late payment fee on my account. I explained to the representative that i thought the payment was made already. The representative then had me make a payment and the rep had me set up auto pay to prevent this from happening again. The representative gave me a credit for the late fee and gave me an amount of {$93.00} to pay when combined with the credit gave me a zero balance. The rep told me that any negative info would be removed from my credit report. As of XXXX it wasn't removed yet so i called back and another representative told me this should have been removed already. They sent me a letter confirming that my report would be corrected. As of XXXX it was still on my report so i called the executive office trying to get some help for this situation. The executive office did not help and also told me that they made a mistake sending me this letter. Also XXXX in the executive office said in a letter that i didn't make the required minimum payment of {$100.00} which made my payment short. I tried to tell her that the rep gave me a credit and told me the exact amount to pay which brought my account balance to XXXX. They told me over the phone numerous times and sent a letter saying that my report would be corrected. XXXX acknowledged that citi home depot sent me a letter stating this info. I also sent an email to the citi ceo XXXX XXXX but the executive office whi i already tried to get to help me responded to the email and again didn't offer any assistance.This has caused me a lot of stress, anxiety and financial ramifications due to this situation.
Product: Credit reporting or other personal consumer reports

I am a known victim of identity theft. The information contained on the reports attached to this complaint werre not authorized by me, the consumer. I have notified the credit bureaus of this already and they completely ignore me.
Product: Checking or savings account

We closed an acount with Ally Bank on XX/XX/2022. The only way Ally would distribute the funds was by check, via USPS. When the check didn't arrive, we began contacting Ally by online secure messaging. They required a notorized " lost check '' form, which we sent. We requested the funds to be sent with a tracking option, as that had not happened with the original check. Ally sent the check via XXXX We followed the tracking delays, eventually noted as " address error '' and undeliverable, with no delivery date pending. This was nearly 2 months after the account was closed. Each time I called Ally, a different rep told me the same thing : confirmed our address, saying there was nothing they could do. Their only suggestion was for us to contact XXXX XXXX could not tell us what address was on the pkg and they would not release the package unless we could confirm the address! After yet another call to Ally, we finally got a rep who tracked down the address where the check was sent : IT WAS NOT A REAL ADDRESS. My name, but a non-existent address, not in any way similar to our actual address. Once we knew the wrong address, we drove 10 miles to XXXX XXXX to pick up the check, in order to avoid XXXX sending the check back to Ally, which would have required the whole " lost check '' fiasco to begin again. 
Ally Bank closed our account in XXXX, but they still have our funds. We deposited the check at our bank, but it's still " pending ''. So Ally has taken over 2 months to give us our money. 2 months where we had no access to it and we were not earning interest, but Ally had the use of our money. Human or computer errors? Perhaps. But this level of incompetence needs to be called out. If the various departments of Ally are giving customers the run around, whether by carelessness or fraudulent intent, it is unacceptable.
Product: Credit card or prepaid card

XX/XX/XXXX Consumer Complaint, This is a complaint against the handling of an Extended Warranty claim ( XXXX ) with XXXX  XXXX  XXXX  ( XXXX  ). My Chase Freedom Visa credit card has an Extended Warranty benefit administrated by XXXX. The magnetron on my XXXX microwave went out, so the microwave does not heat food. XXXX warranties their magnetrons for 3 years. Chase and XXXX  extends the XXXX warranty by 1 year. XXXX  denied my Extended Warranty claim refusing to pay for a valid claim. I submitted all of the paperwork : XXXX  online claim form, XXXX magnetron receipt, Chase Freedom Credit Card Statement, XXXX email, and replacement receipt for a microwave at XXXX XXXX. I was well within the 60 days notice of reporting the defective magnetron to XXXX  on XX/XX/XXXX. The date of loss was XX/XX/XXXX.  All documentation was uploaded within 90 days on XXXX  

The XXXX magnetron receipt states that the magnetron has a 3 year Replacement Warranty and shows " XXXX '' ( Chase ) for the credit card charged. The XXXX email explains that XXXX does not repair magnetrons, but only replaces them when under warranty. My XXXX warranty expired on XX/XX/XXXX. My XXXX  extended warranty covers XX/XX/XXXX to XX/XX/XXXX. I replaced the microwave at XXXX XXXX for {$330.00} on XX/XX/XXXX. XXXX  wants to ignore claims and teach consumers not to file. Chase needs to know that XXXX  is not paying out for valid Extended Warranty claims. I request that XXXX  reimburse me {$230.00} for the XXXX magnetron that was covered under their XXXX  Extended Warranty. 

Thanks, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Tel : XXXX Policy Administrator : XXXX  XXXX  XXXX  ( XXXX  ) XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX or XXXX XXXX  email : XXXX XXXX  Website : XXXX XXXX  Extended Warranty Claim # : XXXX Date of Loss : XX/XX/XXXX Filing Date of Online Claim Form with XXXX  : XX/XX/XXXX Claim Amount for XXXX Magnetron : {$230.00} ( before sales tax ), {$240.00} ( after tax ) Description of Damage : Defective magnetron in microwave makes no heat. The microwave does not function. 

Purchased Original XXXX Magnetron : XXXX XXXX Magnetron Replacement Warranty is 3 years : XX/XX/XXXX to XX/XX/XXXX XXXX  Extended Warranty is 1 year : XX/XX/XXXX to XX/XX/XXXX Replaced Defective Microwave at XXXX XXXX : XX/XX/XXXX Claimant/Policy Holder : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX Chase Freedom Visa Credit Card # : XXXX XXXX XXXX XXXX Chase Freedom Visa Credit Cards : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Tel : XXXX Chase Website : www.chase.com
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 2ND Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) Credit Bureau are required to remove/block any items which were 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 relating to any transaction by the consumer. 
XXXX XXXX  XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX Inquired on XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to remove a credit freeze from my Equifax credit file. I tried doing it online but the system said there was an issue. I tried called and I was referred back to doing it online. Next, I sent a letter on XX/XX/2021, asking Equifax to permanently remove the credit freeze from my profile with no response. I sent another letter on XX/XX/2021, and still no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

My student loan creditor, Ed Financial/XXXX is reporting multiple periods of late payments for student loan accounts that were placed in forbearance retroactively, but were never updated to CRAs as required by The Fair Credit Report Act Section 623 ( a ) ( 2 ). <P/>The US Department of Education states that retroactive forbearance acknowledges a period where no payments are due. Therefore negative credit history must be removed/updated. This duty to update extends to all student loan accounts reported to CRAs, regardless of whether they were accurate at one point. The Fair Credit Report Act Section 623 ( a ) ( 2 ) requires that the furnisher both update and correct information submitted to the CRA. <P/>Reporting is to be updated on my credit report to reflect a forbearance status for the months indicated below. <P/>( 2 accounts ) : Loans placed in forbearance on XXXX 2010 and retroactively backdated to cover past due months of XXXX 2010 - XXXX 2010.
Product: Money transfer, virtual currency, or money service

deposited check via mobile app into XXXX XXXX ( XXXX XXXX  XXXX  account ) XXXX XXXX credited my account and then debited the account saying they never cashed the check. I contacted certegy ( XXXX XXXX XXXX processor ) and they over the phone claimed that they cant verify the check was cashed or not. they can only provide information if they approved the check cashing transaction or not. I requested my full report from certegy ( check services ) and listed under cashed checks was this check I deposited into my XXXX   XXXX XXXX account. Ive been scammed XXXX XXXX refuses to make deposit available and certegy is playing along. both doing Fruad and scamming people BE AWARE PEOPLE!
Product: Bank account or service

In late XXXX, 2015 several pieces of mail containing checks were stolen from a mailbox in front of a post office. XXXX check were written on a Chase bank account. Of these checks, XXXX were fraudulently cashed by the thieves and copies of these checks were also then washed and forged with unknown payees and cashed again resulting in XXXX frauds on each of these XXXX checks. The third check was cashed by an unauthorized party even though the payee wasnt altered. A police report was filed and Chase was notified of the thefts early in XXXX, 2015 and the account was closed. 
Several trips were made to the bank in the six months since the frauds took place and Chase has given credit for XXXX of the XXXX checks in dispute but Chase has failed to issue credit for the XXXX remaining frauds citing still pending review. 
I believe six months is more than adequate time for a review to have taken place and they have cited a lack of personnel in their reviewing department as a reason for the delay. I believe since they are responsible for the delay, the funds should be credited to my account in the interim. 
In addition, on my most recent visit to the bank to discuss the status, I was informed a letter was sent out me explaining the delay but as of today no such letter has been received.
Product: Mortgage

In XX/XX/2010, I refinanced my mortgage with Chase bank. At the time, they made an error and overcharged me {$14.00} in fees. This error was not uncovered until this year, and I was mailed a check for the {$14.00} I was overcharged. I contacted the bank and demanded that they also issue an additional payment for the interest/earnings I missed by the bank holding my {$14.00}, pointing out that the value of that money in today 's dollars differs from XX/XX/2010 value. They refused to grant my request. I pointed out that if I had withheld payment on a loan or credit card, I would have been charged interest and penalty fees, so the same should hold for the bank. When they still refused, I indicated that I would contact the CFPB. Please let me know what steps I should take for fair compensation.
Product: Debt collection

2022 my wife passed, instead of fileing bankruptcy I tried a debit reduction program, bad mistake, I didn't know they only worked with XXXX account at a time, after XXXX months I started seeing late payments and interest still being added. LVNV Funding bought XXXX of my accounts XXXX XXXX XXXX XXXX cards that was being paid by XXXX XXXX XXXX XXXX XXXX XXXX Acct # XXXX I have all XXXX creditors that XXXX was paying in collections on my credit report. 
I'm trying to get LVNV Off my report they are trying to get me to pay for the amount XXXX XXXX have and are being paid.
Product: Debt collection

This debt was cancelled by the XXXX XXXX  and shown as charged off on my credit report on the date of XX/XX/XXXX. The account was closed and has no payment history prior to XXXX. The last payment date is XX/XX/XXXX. This is inaccurate and they are using it as a means to continue having this debt on my report. This is recklessness and a violation of my rights according to FCRA. I am very upset with this false information that has led to a negative impact on my credit reports.