23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Issue transpired in XXXX 2020 with BB & T Home Mortgage sending a letter requesting my home insurance info as they had no record of insurance. I callled them back and told them the policy was in effect and was same insurance company and same sturcture policy our Condo has had for 10 years and they have contact info. Gave them the Insurance company contact info again ( same last 10 years ) and they actually called them while I was on hold but the Insurace company call went to voicemail. They said they left a note and would call back. I checked back a week later with BB & T who had done nothing, then with our Insurance company and they had not received a required email/fax requesting info. But BB & T was saying they would now purchase Insurance for me as they did not have the information. But would apparently not try to validate my insurance info. I vehemently protested their lack of effort to verfiy info. I then contacted our Insurance company, sent them the original letter and our Insurace company proceeded to send the insurance policy info that very day. Called BB & T next day, told them policy info had been faxed to them. They said to call back to confirm as needed to be processed. I called back a week later and they acknowledged ploicy info and did not purchase insurance for me. But now they say they want my personal home insurance policy info. They have never requested this before in over 10 years, but said it is required. They have sent a letter now in mid XXXX requesting this info. 

I went through this same issue with BB & T 6 years ago and their lack of effort to verify policy info. It's clear they systematically try to set up a pressured, quick response situation to allow them to justify and purchase their own expensive insurance. The situation is very predatory. It seems like BB & T is targeting seniors also. 

And now they are requesting my personal home policy info that they have never requested before. I have have personal home insurance in effect, including hurricance coverage. Their is no documention this info is required or necessary. Again, trying to set up a pressured, fast response siutation to justify forcing the consumer to pay for their expensive insurance. 

I filed complaints 6 years ago also. And now they want my personal home insurance info they have never required before.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

15 U.S.C 1681 section 602 A. States I have a 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 written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section states : No Consumer reporting agency may make any consumer report containing any of the following items of information, Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ). A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

On XX/XX/XXXX I entered into a contract with the car dealership, XXXX XXXX XXXX in XXXX Illinois an the finance company, First Investors Financial Services. 
I began having issues with the car breaking down right after the warranty period had expired. The starter replaced, the alternator replaced, it kept blowing tail light bulbs due to bad wiring etc. It got to the point I could not afford to keep putting money into the car and to make the car payments. 
In XX/XX/XXXX I called an surrender the vehicle. They came an picked up the vehicle in XX/XX/XXXX. 
Have not heard a word from the car dealership or the finance company until today, XX/XX/XXXX, when I received a summons to appear in court. 
I believe they have neglected their duties and failed to notify me when the vehicle was sold. They haven't made any attempt to try an collect this debt any other way except to wait almost 18 months an out the blue decided to take me to court. 
I believe that XXXX XXXX XXXX in XXXX Illinois along with First Investors Financial Services of XXXX Ca. are practicing predatory lending activities.
Product: Checking or savings account

I really give you dates but will tell you what I do rember.A freind told me about a banking service online that she uses and refwred me to the service. I statrted the process with no problems.Part of the login process ist use your email address & a password.I provide them both and had my direct deposit sent to Chim.This all started about amonth ago.I notified Social security of the change in banks in sufficent time so the direct deposits could start thismonth, > ( I am retired and on XXXX ) I go to log in and used the email address that I thought I used along with te ppassword I thought I used & had no luck in loggimg on. 
The funds are in an account I have no access to to pay my rent and other bills.The service is Chime Based in XXXX XXXX CA
Product: Credit reporting or other personal consumer reports

I was extremely disappointed to find unauthorized inquiries on my credit report this evening. I routinely check my credit report, but this time, there were discrepancies that appeared out of nowhere. I even tried refreshing the page, hoping it was just a glitch, but the inquiries remained. Im frustrated and request that the documents Ive submitted be thoroughly reviewed so I can have peace of mind moving forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your taking the time to CORRECT some of the erroneous items in my credit file ; however, there are still many items that need to be UPDATED. The XXXX credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items be UPDATED immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

The company added a collection to my credit report without my knowledge. I called and spoke to someone in their customer service department and they advised that the account was FDCPA violations! 

I request IC verify the following information : 1 - Full original account number 2 - Date original account was opened 3 - Any written and signed agreement between myself & original credit stating that the debt is owed 4 - Full account summary and itemized calculation of alleged debt 5 - Date of first alleged delinquency 6 - Dates and times of any phone calls made and to what number in attempt to contact me before it was reported to the agency, and so proving that these calls were made during the times governed by FDCPA law. 

If IC is unable to provide the above identifying account information, this account must be deleted from all CRA 's. 

IC also failed to follow FDCPA by not sending a letter giving the consumer time to dispute the validity of the alleged debt. I eventually received this letter dated XX/XX/XXXX although it is reporting on my credit as XX/XX/XXXX.
Product: Mortgage

QWR dated XXXX XXXX XXXX  was sent outlining the items requested. Was mailed to the designated address via certified and return receipt was stamped XXXX XXXX XXXX  was ignored. 
Received package yesterday XXXX  for Chase letter dated XX/XX/. The company did not address all my issues, this is an incomplete response. They picked and chose what to address. Specifically the QWR dated XXXX  lists the items on Item 1 ) APPRAISAL was requested - no Automated valuation, Appraisal, Notice of Value or similar was provided. 2 ) COMPLETE LOAN HISTORY including all payments, fees was requested however the Escrow Reconciliation was provided. Collection and customer service notes requested, nothing was provided. QWR indicates my concern on payment application, any late charges and the recapitalization of the arrearage due to forbearance or mod- This was not addressed either and was very important part of the QWR sent to Chase and that is reason for this new CFPB complaint. Enclosing copy of XXXX for reference and additional details.
Product: Mortgage

Since XXXX of XXXX I have had a mortgage on one of my properties that was serviced by XXXX  XXXX. The payment was {$1500.00} a month and everything was great. Last month they sold my loan to Mr Cooper. Mr Cooper sent me a letter saying I could log in to my account and make sure everything is good. I noticed that Mr Cooper is now going to debit my Checking account monthly in the amount of {$1600.00}. I tried calling Mr Cooper but they do not have live Customer Service. I can only talk to a computer and it doesn't know to solve problems. I used the chat button on their website and I reached a guy in XXXX. He had no idea why my payment went up so I asked to chat with his supervisor. His supervisor said he had no idea why my payment went up and he couldn't help me. I have nowhere else to turn. I checked with my insurance and that has not gone up and my taxes have only gone up by {$25.00} for the year.
Product: Credit reporting

Using the same personal information ( name, ssn, address, .. ) the Equifax is not able to provide me with my free annual credit report. The identity verification questions I was presented clearly show that the Equifax system is not able to identify me and later claim that the identification process failed, request I go through a mailed credit report for with a long list of identification documents copies. The other XXXX credit agencies ( XXXX, XXXX ) have been able to verify my identity online and provide me with my free credit report.
Product: Vehicle loan or lease

Iit took me and my x boyfriend to get financing for my used XXXX XXXX through Hyundai motor finance co. My price of the vehicle was supposed to be XXXX payments at XXXX for 12 months then was told by my sales person XXXX XXXX XXXX Hyundai XXXX NV in 12 months no problem we will refinance your loan to make it doable. Well some serious things happened to me as inappropriate actions by my manager at XXXX where I was assistant manager I have a pending Case with XXXXi explained this to the representative and they just said put you on a payment plan XXXX a week well XXXX obviously is fighting my unemployment so I was denied they have a lawyer as well. So I told HYUNDAI REP.i had no help XXXX who is also on this loan Also took our savings and rent and ran away I have been struggling but I had just got a new job and was only there 4 days and contracted XXXX XXXX FOR THE SECOND TIME AND OUT OF WORK SEVENTEEN DAY 'S I EXPLAINED THIS TO HYUNDAI REP.. NOTHING I asked for a refinance I asked for payment deferral I've asked and asked for help before we are at the point we are at I just paid Hyundai XXXX THAT WAS MY RENT so I was two months behind and I thought this payment would put me in up to date status. NO COME TO FIND OUT NOTHING WENT TOWARDS MY PRINCIPAL so looking through my account in almost a year XXXX XXXX IS ALL THEY HAVE PUT TOWARDS MY PRINCIPAL! THIS CAR IS NOW ALMOST XXXX XXXX MORE THAN IT WAS 10 MONTHS AGO PLEASE HELP ME I LIVE IN RURAL NEVADA WHERE IT'S NESSASARY TO HAVE A VEHICLE JUST RECOVERING FROM XXXX XXXX AND THIS STORM XXXX NV I WAS OUT WALKING FREEZING BECAUSE I DON'T WANT THEM TO TAKE MY CAR.
Product: Checking or savings account

On XX/XX/XXXX I had my card stolen and my information stolen through phishing. I was on a trip ( on a cruise ) without communication so I couldnt reach the bank. I dont tend to use my Key Bank account much because its not my primary account. I thought everything was okay since I wasnt receiving any type of texts about my account ( someone turned it off ). On XX/XX/XXXX I got an email from key bank and a text of the fraud department saying that someone was trying to buy something and they sent a text to confirm if it was me because the purchase I was suspicious. I said no and I called to see what was happening. As soon as I got home I called them and I saw that my account has been used for a LOT OF THINGS without my permission and that my debit card had a lot of unauthorized purchases. I tried to dispute and I asked for a replacement card and it happened again with the new card ( with some XXXX XXXX purchases online ). The agent told me that XXXX has something called updated payment and even if you use your old card and even if its closed and canceled, XXXX updates your new information ( the new card ) to the older one, and someone was able to use it again online, so the representative had to make a HARD CLOSE and cancel my card completely and sent a NEW ONE. Its a complete headache. Then, I had my case DENIED, after explaining that I had my card stolen, and someone stole my information online and used my card multiple times. Keybank took more than XXXX dollars out of my account without CONSENT ; they didnt call, they didnt send me an email, they didnt communicate with me. Thats illegal. If you report the loss of a credit card before its used, you can not be held responsible for any unauthorized charges. If a thief uses your card before you report it missing, the most youll owe for unauthorized charges is {$50.00} per card. Thats what the law says. So Ill gladly sue them if they dont fix this because I was the victim.
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 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. CREDIT REPORTING AGENCIES CONTINUE TO REPORT INACCURATE INFORMATION. NOT PERFORMING INVESTIGATION AS STATED. RE-ENTERING PREVIOUSLY REMOVED ITEMS. AGENCIES CONTINUE TO REPORT CHARGEOFF ACCOUNTS IN WHICH NO 1099 AS BEEN RECEIVED WHICH MEANS THE REPORTING IS INCOMPLETE, INACCURATE, INVALID. ACCOUNTS NEVER VALIDATED. AGENCIES CONTINUE TO REPORT MEDICAL ACCOUNTS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

THE DELINQUENT PAYMENT SHOWING ON MY XXXX REPORT ( XXXX XXXX CRE XXXX ) WAS A RESULT OF MY JOB LOSS DUE TO XXXX. THE CARES ACT, WHICH WAS SIGNED INTO LAW ON XXXX XXXX, AND ENDED XXXX XXXX. THIS ACT AMENDED THE FAIR CREDIT REPORTING ACTT ( FCRA ) TO STOP ADVERSE CREDIT REPORTING DURING THE XXXX CRISIS UNDER THESE CIRCUMSTANCES. PLEASE UPDATE THIS INFORMANTION IMMEDATELY TO PAID/NEVERLATE FOR THE FOLLOWING TIME PERIOD. THIS LATE PAYMENT IS HURTING ME INTO PURCHASING A HOME FOR ME AND MY FAMILY. THANK YOU FOR YOUR UNDERSTANDING AND PROMPT ACTION
Product: Student loan

I attended XXXX College XXXX. I graduated in XXXX and went into forbearance in XXXX. During this time ( XXXX ) XXXX XXXX used boiler room tactics to put borrowers into forbearance because they would have otherwise defaulted. Once forbearance ran out and it was time to make full payments, my loan amount had ballooned from $ XXXX to $ XXXX. And overall, from XXXX to XXXX, the amount of private loans that XXXX XXXX put in forbearance doubled to {$2.00} XXXX. 
On XXXX XXXX XXXX XXXX ), a district judge XXXX gave his preliminary approval to a settlement agreement in a class action suit filed by investors who claimed that XXXX XXXX, the giant student lending company, had violated federal securities laws. The class action suit claimed that in XXXX, as it prepared itself for a lucrative purchase by a consortium of banks and private equity investors, XXXX XXXX lowered its lending standards to bolster its portfolio of high-interest-earning " subprime '' private student loans. But, when the economy started to crash and default rates spiked, XXXX XXXX attempted to hide the damage by changing its loan forbearance policy to punt defaults into the future. In the proposed settlement, the XXXX parties agreed to the creation of a {$35.00} XXXX pool to " resolve investor claims. '' That was good news for the investors, and seems like a relatively cheap price for XXXX XXXX to pay to avoid a trial. But the settlement offered nothing to me, the student who was lured into taking out loans to pay for my education. 
I am not looking for loan forgiveness. I am fully prepared to repay my loans, and to date have paid {$64000.00}. My plea is for XXXX XXXX to reverse the exorbitant ballooning I was illegally coerced into accepting in XXXX. 
WITHOUT my consent, or the consent of my Co-Signer, those {$70000.00} student loans have risen to {$140000.00}. If I had been notified by the loan " experts '' that forbearance should be used as a last resort as my debts could quickly double, I would never have opted for the forbearance. I was XXXX years old with no concept of the time value of money and XXXX XXXX revealed nothing more than, just pay an extra $ XXXXmonth and we will put you in forbearance. 
So again, I am not seeking forgiveness of my student loans, I am seeking to eradicate the unethical gains of the disreputable XXXX XXXX XXXX. I did not consent to doubling my loans, and neither did my co-signers. I should not pay any debt that was ballooned by commissioned reps in an unregulated environment where boiler room tactics were used.
Product: Credit reporting or other personal consumer reports

This is very frustrating. I do not not know who to talk to. I received a new card and attempted to pay it before it was 30 days late. I received the card back in the summer of XXXX. My first payment was due on XX/XX/2023. I did not allow the day to end on XX/XX/2023 to make both payments of XX/XX/XXXX and XX/XX/XXXX at once. I gave the representative I had spoken to my ACH account information and the payment should have gone through. I waited a week or two for the payment to deduct itself from my account. It never did because it was one number off inputted by the representative I gave my account ACH information to. I should not be having a 30 day late payment for a mistake made by the representative.
Product: Debt collection

Received message about pursuing legal action, called back and spoke to XXXX who was very rude and would not give much detail about debt, I explained I have no knowledge of any loans or debts plus I filed bankruptcy. She kept arguing then said good luck wages will garnished and hung up, called me back and then began harassing me about filing bankruptcy in the past. They called my aunt who lives in another state and also called my elderly parents. All she said was this something to do with XXXX who I have never had a loan with. 

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

This is concerning the recent Equifax data breach. This is a service that I never agreed to - it is nearly impossible to survive as an adult American without a credit report. 

The company was the victim of a breach of most of it 's customers personally identifying information. They appeared to withhold the breach from the public for some time after it occurred. It 's leaders apparently sold stock in between the time of the breach and the public finding out, indicating that they knew and may have conducted insider trading at the expense of 140,000,000 million Americans, or nearly every adult alive who has interacted with the nation 's financial system. 

The service Equifax offered to find out if you were potentially a victim reported to me that my information may have been compromised. 

As a result, I will need some element of identity protection for the rest of my life. I have been advised to freeze my credit. This is small compared to the likely impact on the nation 's financial system and identification systems. 

It is difficult to convey the immense scope and future impact of this company 's criminal negligence in words.
Product: Credit card

Billing Error Dispute for Chime Credit Builder Account Account Number Ending In : XXXX Claim ID : XXXX Dear Dispute Resolution Department, I am writing to formally dispute unauthorized transactions on my Chime Credit Builder account, account number ending in XXXX. The details of my dispute are as follows : - **Dispute Type : ** Debit - Unauthorized Transaction - **Date Error Reported : ** XXXX - **Claim Amount : ** {$2400.00} On XX/XX/year>, I reported unauthorized/unrecognized transactions totaling {$2400.00}. This amount reflects a significant breach of my account 's security. My dispute was denied on XX/XX/year>, less than XXXX hours after the error was reported, which is not enough time to conduct a thorough investigation. This is grounds for a CFPB complaint. I am certain my rights and protections as a consumer were violated without proper/ due process and this is grounds to reopen my claim! 

I hereby demand that a reinvestigation of these unauthorized transactions be undertaken immediately. Furthermore, I request that the investigation process be audited for its efficacy to ensure all necessary measures are taken to protect my account and prevent future unauthorized activity. 

Please confirm receipt of this letter and provide a timeline for the reinvestigation. I expect a prompt resolution to this matter, including a full reimbursement of the disputed amount to my account, which is carved out by Regulations ( E ) and ( Z ). 

Thank you for your immediate attention to this serious issue. 

Sincerely, XXXX XXXX