23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Truck was paid off and title received XX/XX/year>. Yesterday received a letter stating we have unpaid balance with interest of over {$6000.00}. This could affect my credit history. valley Bank was apparently hacked and never notified customers. They assume me the account was closed and has XXXX balance but will not send me a letter stating that. Will only send generic letter that some accounts received bills in error. I want that account closed immediately and something in writing to as to my account balance status for credit records
Product: Mortgage

Recently refinanced mortgage. Received letter from new servicer ( NewRez ) on XX/XX/2020 ( dated XX/XX/2020 ) that stated that we are in a Special Flood Hazard Zone and that we must obtain flood insurance in 45 days from the date of the letter ( XX/XX/2020 ). Our home is near a river ( 800ft ) bu

t is 100ft in elevation higher than the river. We have never been required to maintain flood insurance by any other lender. I looked at the FEMA website myself and it says we are Flood Zone X ( the lowest risk ). I called them the same day I received the letter and they informed
me that FEMA " recently updated their maps '' and that get their data from FEMA and it said we were in a high risk zone. They told me if I supplied information from FEMA showing that we were in a low-risk zone, they would remove the requirement. However they
said that I couldn't just simply send them a screenshot from the FEMA website, it had to be official.

I submitted a request to FEMA on XX/XX/XXXX, but was told it could take 45-60 days. I received a reminder letter from NewRez at the 60 day mark. I still had not heard back from FEMA so I started exploring options to obtain flood insurance, hoping I could get it refunded after. During my search, I found a firm called Second Chance Flood that can prepare flood reports using FEMA data. I paid them to do research and they provided a detailed report which included maps and FEMA form that showed I was in Flood Zone X.

I supplied this information to NewRez via Fax and Email on  XX/XX/XXXX. Today ( XX/XX/XXXX ), I received a letter from NewRez ( dated XX/XX/XXXX ) indicating they had purchased flood insurance on my behalf at a rate of $ XXXX/year. They reported to the insurance agency that I was in flood zone AE ( highest risk ). They completely ignored the information I provided and I'm not sure how to get them to resolve this.
Product: Credit reporting or other personal consumer reports

I recently obtained a copy of my credit report and as allowed under the Fair Debt Collection Privacy Act ( FDCPA ), I am requesting that you validate the alleged debt with XXXX XXXX  and provide proof of proper investigation. Please provide me with a breakdown of all charges and dates of service. Additionally, reporting of this debt prior to allowing me to validate may be a violation of the Fair Credit Reporting Act ( FCRA ), which can allow me to seek damages from your collections agency. I will await the proof for 30 days, and if proof is not provided it is considered invalid and I expect XXXX XXXX to be removed from my credit report. 
All Accounts are listed below : XXXX XXXX Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I send my identity theft report to the company so they can removed the negative mark from my profile but they didnt
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX  Account # XXXX, XXXX Account # XXXX, U.S. Department of Education Account XXXX XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX  XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX XXXX  Account XXXX XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX, 15 U.S.C. 1681 Section 602A states that I have the right to privacy. 

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 or other personal consumer reports

XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXX Status Open. {$56.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$840.00} Balance updated XX/XX/XXXX Recent payment - Monthly payment {$26.00} Credit limit {$750.00} Highest balance {$1000.00} Pursuant to federal law statutes banks can not report late information to the credit bureaus..
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX, XX/XX/XXXX, XXXX & XXXX of the year XXXX as well as XXXX & XXXX of XXXX, I fell behind on payments because of the unforeseen occurrence of XXXX prohibiting me from being able to work. I was without a job prohibiting me from making payments. These late payment are continuing to affect my credit score tremendously and is continuing to affect my ability to take care of my family not being able to get approved for living. 

In accordance with the Fair Credit Reporting Act. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

I 've repeatedly requested that Experian and   XXXX   correct my credit report related to the  XXXX   XXXX  Account. This account was paid-off as agreed on  XXXX   XXXX ,  XXXX  ( see attached documents ). However, Experian still reflects and inaccurate collection status in  XXXX  of  XXXX , inac  curate written off $ amount/status, and an inaccurate " Date Opened ''.   XXXX   still reflects an inaccurate Charge Off amount, inaccurate Date Closed, and Terms. Regardless of the evidence I present, the account has been reporting now inaccurately for almost two years.
As a result of the above, this account continues to damage my credit score with inaccurate reporting by Experian and   XXXX   and preventing me from securing a refinance on my mortgage.
I respectfully request that this account be DELETED immediately per the Fair Credit Act.
Thank for your assistance in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called Transunion Spoke with a representative about Inquiries that were not mine and I believed were fraudulent! The Rep would not connect me to the fraud department. She told me to write them to file a complaint or dispute any information contained on their website! 
False Address : XXXX XXXX XXXX XXXX # XXXX Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx XXXX. 
Fraudulent inquiry : XXXX XXXX Bank XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XX/XX/2021 XXXX ) XXXX XXXX XX/XX/2021
Product: Checking or savings account

On the day of XX/XX/2023 my bank account was hacked and a total of {$1200.00} was taken from my checking account without my knowledge or authorization. According to the bank transaction record my money was taken from my account through several simultaneous atm withdrawals at an atm located in a XXXX store approximately XXXX miles from my physical location at the time. I have already contacted the bank that manages my account, but they are not at all willing to help me in any way or investigate the case properly. They also made the mistake of depositing my most recent paycheck into the very account that was compromised and now they are refusing to give me the money from my paycheck that was deposited into the hacked account. The current balance in the account is {$500.00} and they are refusing to give it back. This is the second incident where my account from this very same bank was hacked and my money taken. The name of the banking company is Wisely by ADP.
Product: Credit card or prepaid card

On XX/XX/2020 I purchased some long term shelf life food from XXXX. This was done under 2 separate orders. When my products arrived the food packages were busted open. I contacted the seller as I wanted to return and refund my money. This fell well within their return policy. Here is the quote and link We hope that youll absolutely love all of our products. 
You are fully protected by a 100 % money-back satisfaction guarantee. 
Here 's how it works ... 
If for any reason you're dissatisfied at any time during the first 365 days after purchase, simply return the product to the original shipping warehouse and ask for a full refund. You'll get your money back. That's a firm promise and commitment XXXX XXXX XXXX I then contacted them as per the instructions on the shipping invoice. Over 2 weeks go by with no response so I around XX/XX/2020 I disputed both of the transactions with discover card while providing pictures of the damage product and proof of their return policy. I later won the dispute and was told it may be overturned. And since then the ruling in my favor has been going back and fourth. every agent I speak to switches their story. They either tell me I won one and lost the other and vice versa. I was told I won one transaction for XXXX and lost one for XXXX and i will be credited for the XXXX. Then i am told I lost the XXXX dispute and the XXXX is still being reviewed. All the while not a single agent not the website has been able to tell me why or provide any documentation as to why. I am continuing to dispute this transaction because I received and inedible damaged product. The company refuses to assist me and honoring their return policy and Discover refuses to assist me in this case.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX5 U.S. Code 1666b - Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX XXXX  # XXXX Dates XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX 2021
Product: Debt collection

I'm purchasing a new home and my credit score significantly dropped. After inquiring with XXXX a recent collection issue is appearing on my credit report. The amount is small at roughly {$970.00} from XXXX  but was discharged to a collections agency, XXXX, MRS BPO, LLD. XXXX  is apparently a cable company which doesn't even operate in my state of California. I have no knowledge of this company or transaction and am working with XXXX to remove from my credit ASAP in order to move forward with a new home purchase.
Product: Student loan

I have been dealing with AES for months now. These jerks flowers trying to make me pay {$2000.00} a month for my loan. They constantly harass me through texts and call my parents non stop. My payment now is {$600.00}. My loan should be forgiven through the save forgiveness program. My loan is under XXXX and XXXX years old. They owe me money now for my payments that I should not have to pay. If they do not forgive my loan I will be getting a lawyer
Product: Prepaid card

I received an American Express Prepaid Business Gift Card from XXXX XXXX  XXXX  in XXXX, NJ as a winner in the XXXX XXXX XXXX XXXX XXXX XXXX. The card says on it that it has a value of {$1000.00}. I received this card around XX/XX/XXXX and put it in my lockbox, intending to treat it as savings for a later purchase. Today I decided that I was ready to use it so I went to check the balance. The card balance is {$460.00}, and several charges were made to it in the latter part of XXXX. I made none of these charges, and no one else had access to the card as I had it in a secure location. 

Initially I contacted XXXX XXXX XXXX today ( XX/XX/XXXX ) and they referred me to American Express, which I thought to be reasonable as I will explain below. I then immediately contacted American Express at the number provided on the gift card. 

I am part of a larger sweepstakes/contest community, and I have heard many complaints about the security of these American Express gift cards, so when I called American Express today , I was surprised to hear their representative tell me that the dispute process time frame is XXXX days. American Express has to know that they have a security issue with their gift cards and should have a better way to resolve these issues.
Product: Mortgage

I applied for refinance payed {$660.00} to my existing mortgage bank Wellsfargo Process was canceled with out any notification Sent many emails asking for the status of the refinance and got no answer Asked supervisor to look into the problem and did not resolve my issues Can I file small claim in my state of Wisconsin to try to get my money back?
Product: Credit card

I have requested a credit limit increase last month and never received any documentation regarding the decision. I called today to figure out why I havent been notified. I was transferred around at least 4 times before getting an answer. The representative stated the letters was never pushed through per recorded phone call. He stated I have a technicality as to why nothing has happened. He gave me a hint and stated the reason I have not got a credit limit increase is because of my Identity Theft Alert on my credit that is placed for 90 days. Even though i still should of been notified. I was then put back in the que and got a Manager on Duty XXXX. I explained to her that there is a Identity alert and the protocol is to call me at the number on file before granting credit to verify it is me. I have not been ntofied and Victoria secret is not following proper protocols regarding limit increases and I will take this matter to legal if needed. Victoria secret is lying about the letters that was supposed to be sent out. If legal action is taken, the post office can confirm nothing was handled by them to get delivered to my address.
Product: Debt collection

I have asked for validation of this debt and they refused to send it to me but they also refuse to remove it from my credit report. They have never shown me that this is my account according to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b )
Product: Debt collection

Flagship Credit Acceptance is reporting this account incorrectly. They failed to disclose matter facts related to the issuance of this contract which prompt me to file action against them. This matter has been taken up with the XXXX XXXX XXXX and Flagship Credit Acceptance should cease from reporting this account until a resolution is reached.
Product: Credit reporting or other personal consumer reports

XXXX XXXX opened up an account in my name utilizing information that I did not give them approval to use. I have complained on numerous occassions and they keep responding with letters stating that they tried to get in contact with me but they had no luck so they refuse to close the fraudulent account FTC Affidavit and police report are attached
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite the multiple previous written requests, the unverified item listed below still remains on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditor documentation on file to verify that this information is 100 % true, accurate & correct. 

In the results of your first investigation and subsequent reinvestigation ( XXXX ), you stated in writing that you verified that this item is being reported correctly? Who verified this account? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. Every Experian shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at Experian is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( XXXX ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$6500.00}, XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$8100.00}, anXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

As a member of Navy Federal Credit Union, I have been advised on several occasions that NFCU is a non-profit organization. After reviewing my credit card agreement disclosure, I learned that I granted NFCU security interest on my accounts and determined that was not beneficial to me. On XX/XX/2023 I sent request for old securities/ right to rescission XXXX XXXX via registered mail # RF XXXX XXXX XXXX Additionally, I sent the same notice to Navy Federal Credit Union legal department certified mail # XXXX, which were delivered on XX/XX/2023. 

It is my understanding that my request to NFCU is valid in accordance to 12 USC 1026.15 Right of rescission.

( a ) Consumer 's right to rescind. 
( i ) Except as provided in paragraph ( a ) ( XXXX ) ( ii ) of this section, in a credit plan in which a security interest is or will be retained or acquired in a consumer 's principal dwelling, each consumer whose ownership interest is or will be subject to the security interest shall have the right to rescind : each credit extension made under the plan ; the plan when the plan is opened ; a security interest when added or increased to secure an existing plan ; and the increase when a credit limit on the plan is increased. 

Furthermore, it states effects of rescission.

( 1 ) When a consumer rescinds a transaction, the security interest giving rise to the right of rescission becomes void, and the consumer shall not be liable for any amount, including any finance charge.

( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest.

As of today 's date, I have not received any correspondences or communication to remedy this situation. My account has been notated, so it is my belief that NFCU lack of action is both willful and intentional. While I only wish to recover what I contractially obligated to, I will pursue criminal and civil remedies to hold NFCU accountable if necessary. 

Please note : CFPB # XXXX, a separate matter, is still open/ pending company response. I spoke with XXXX XXXX on XX/XX/2023 regarding NFCUs indentured trustee/trustee, I requested that phone call be followed up in writing in which has not.
Product: Credit reporting, credit repair services, or other personal consumer reports

On equifax website its showing a credit score from XXXX/2021 when I sign in it states call equifax with code XXXX Ive called equifax 4x and this matter has not been resolved. They said they submitted a ticket months ago yet nothing have not been done I called to speak to supervisor representative hung up on me. Now Im filing a complaint if Im to review my report at least show accurate information. The report is showing a credit score from 2021
Product: Credit reporting or other personal consumer reports

I called Experience, and spoke to XXXX member I'd XXXX to have the inaccurate address removed from my report, they said it is there policy that they can not remove them if they are linked to an account that is not finalized, under federal law 15 U.S.C. 1681 governs Accuracy and Experian is reporting inaccurate information and refusing to fix flash. Remove the addresses. Because they are inaccurate information. Even though that they are linked to a credit account, the creditor has stated inaccurate information. I have disputed this as inaccurate information. And they refuse to fix the problem. They are in violation of this law. I would like them to remove the addresses that I have requested that they remove and any accounts associated with that address. Because of inaccurate information..
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 12th endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX