23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/18 and XX/XX/18 Ditech my mortgage company sent me letters saying I had to increase my flood insurance at XXXX XXXX XXXX otherwise known as XXXX XXXX XXXX or they will find me insurance and it could be expensive. I immediately took action calling and also leaving messages at least five times with XXXX at my flood insurance company. She refused to call my mortgage company but she told me the old policy had to be paid off first before any changes could be made. I called and emailed Ditech at least five times giving them this information. They finally told me the flood policy would be paid off from escrow within five business days after I got a notice of cancellation because it had not been paid by XX/XX/18. My flood policy expires on XX/XX/18. On XX/XX/18 my flood insurance called me and XXXX had me pay a small amount ( less than {$40.00} ) for the extra coverage on my policy by credit card even though I said I have an escrow account for this. On that same day I got a letter from Ditech dated XX/XX/18 accusing me of ignoring their warning letters concerning flood insurance and informed me it will cost me {$210.00} ( includes XXXX XXXX  ) and this would be on top of the {$340.00} or so I already pay for flood insurance. Since then I have called Ditech ( again ) asking to speak to a supervisor but was told by customer service that nothing could be done until another escrow analysis takes place ( that includes the higher insurance they got me ). I emailed them yesterday twice with no reply so far. I am reaching out to you because this is the third mistake my mortgage company has made in a year and I dont have much faith in them to resolve this matter correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Sir Request being repeated Complaint against Apple Inc, California No Customer service My Daughter XXXX XXXX & Grand Daughter had come to XXXX last week. 
Daughter is staying at XXXX, Maryland, USA. She/Grand Daughter are back at USA. 

My rand Daughter front cover of XXXX  was damaged, so I requested my Daughter to Visit Apple Authorised Dealer. She Visited XXXX XXXX XXXXXXXX XXXX NOXXXX, XXXX XXXX, XXXX XXXX, XXXX ( XXXX ), XXXX XXXX, She was asked to come after 2 days. When XXXX visited your authorised dealer after 2 daysshe was informed that front cover/screen of XXXX is not available in the Market .However She was asked to visit some shop at XXXX XXXX XXXX XXXX. 

My Daughter visited the repair shop as instructed, she was asked to pay Rs XXXX [ INR ] in advance, amt paid on XX/XX/2018. & collect the XXXX  next day. My Daughter was to leave for USA next day, & XXXX XXXX was delivered next day morning. After reaching at USA She found XXXX gets hang on each start. XXXX is being used by my Grand Daughter. 

What is my humble appeal, My Daughter has taken trouble to find out your Authorised Dealer, again to trace out repair shop at XXXX XXXX, Paid Rs XXXX XXXX, but XXXX  is  not working. We appeal for your kind consideration. 

Thanking you XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mary landXXXX XXXX XXXX XXXX PS- Sir Apple Inc has informed that consumer has no proof, appointment taken with Apple authorized service center, but we clarify [ 1 ] XXXX  was not handed over to service center since they had no front screen cover on hand [ 2 ] My relatives have inquired, no consumer takes prior appointment of Apple Service center. Consumer just visit Service center.

Apple should not misguide consumer, customer.

W feel humiliated, Apple do not trust Consumer/customer We only appeal, I XXXX be repaired at most reasonable cost XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Maryland-XXXX tel-XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My information was used to complete unauthorized activity with Affirm. 

I have never had an account with Affirm. Nor have I ever made a purchase from XXXX. 

XXXX  ( Loan ID : XXXX ) Order ID : XXXX XXXX  ( Loan ID : XXXX ) Order ID : XXXX XXXX ( Loan ID : XXXX ) Order ID : XXXX XXXX ( Loan ID : XXXX ) Order ID : XXXX XXXX ( Loan ID : XXXX ) Order ID : XXXX XXXX  ( Loan ID : XXXX ) Order ID : XXXX I filed a police report to notify of fraud. 

Affirm has provided negative credit to the Credit agencies. I need this reversed and the acount/my name cleared as this was fraud and something I have never purchased.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to delete these pieces of questionable information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX ; XXXX ; XXXX, and I'm including it again. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXXXXXX XXXX XXXX  XXXX Balance : {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now XXXX XXXXXXXX n cant provide to my XXXXXXXX XXXX XXXX daughter PLEASE HELP ME PLEASE XXXX  XXXX  now.
Product: Money transfer, virtual currency, or money service

Dear Sir/Madam, I am writing to file a formal complaint against PayPal and Venmo ( a subsidiary of PayPal ) regarding the unjust and unexplained closure of both of my accounts. After multiple attempts to resolve the issue with their customer service, I have been left with no clear explanation for these actions and am now deeply concerned that I may be a victim of racial profiling due to my Iranian-American background. 

On XX/XX/year>, I received an email from PayPal asking for verification of my account details, including my ID, address, and a business license ( even though my account is personal ). I complied with their request immediately. My only recent transactions were small : sending {$300.00} to my brother-in-law to cover purchases made while I visited him in XXXX, and a few online payments for services under {$50.00}. 

XXXX days later, without any notice or explanation, my PayPal account was permanently closed, and my funds, including cryptocurrency, were put on hold for XXXX months. When I called PayPal, they informed me that there was nothing I could do. Consequently, I filed complaints with the Better Business Bureau ( BBB ), the XXXX XXXX Washington Department XXXX XXXX XXXX, the Attorney General of Washington, the Attorney General of California, and the Consumer Financial Protection Bureau ( CFPB ). 

PayPal eventually responded to these complaints, claiming I had violated their User Agreement by engaging in high-risk activity. However, they have not provided any specific details or evidence to support this claim. In my 10 years of using PayPal, I have never had a complaint, dispute, or any instance of fraudulent or unauthorized payment activity. My record is entirely clean, making their vague response all the more frustrating. 

To make matters worse, on XX/XX/year>, Venmo requested similar verification information for my account, which had been inactive since XX/XX/year>. However, immediately after requesting this information, Venmo closed my account without giving me a chance to provide the required documents. 

I have repeatedly asked for clarification from both PayPal and Venmo but have received no meaningful response. Given the lack of transparency, and the fact that I have not violated any policies or engaged in any risky transactions, I am forced to conclude that my accounts may have been flagged due to racial profiling.

I urge your organization to investigate this matter further and hold PayPal and Venmo accountable for their unjust actions. All I am asking for is a clear and reasonable explanation for the closure of my accounts. If I have violated any policies, I welcome specific details so I can address the issue. However, if racial profiling is at play, this must be addressed immediately. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

My Chase Checking and Saving accounts were closed on XX/XX/XXXX. I called and inquired about the {$25.00} I used to open the checking account, and the {$25.00} I used to open the Savings account. I was told that the money was taken out of my accounts on the XXXX and mailed to me. I called this week to inquire as to why I had not received them yet. Now I am being told that the money was never sent to me, because they are having issues verifying the checks I used to open the accounts. I never used any checks. I opened the accounts online and used my debit card to do so. The money was taken out of my account in two separate transactions on XX/XX/XXXX. I was never given an explanation to why my accounts were closed, I was blocked from all online access ( including my car payments and separate credit cards! ), I was lied to and told my money was mailed to me on XX/XX/XXXX, and now over 2 weeks  later I ask about the money again and I'm told it was never sent to me. This is absolutely ridiculous the treatment I have received from this bank. I want the {$50.00} that I wasted opening my accounts with this bank.
Product: Credit card

Discover bank have my credit report in collections for a debt that is not mine. I have requested a debt validation letter and havent received it. Please remove off my credit report asap as its affecting my credit report. This account was opened without my consent.
Product: Debt collection

On XX/XX/2022 PRINCE PARKER AND ASSOCA reported on my credit. This debt collector does not have the right to report to my credit as they are not licensed or bond in the state of tn to collect.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the removal of inaccurate items from my credit report. 
This is my attempt to rectify this issue, and I am becoming increasingly frustrated by the lack of response and action on your part. It is crucial that these items be removed immediately to reflect my true credit standing. According to the Fair Credit Reporting Act ( FCRA ), I am entitled to dispute inaccurate or outdated information on my credit report. These accounts are either beyond the statute of limitations or contain erroneous information. Despite my previous attempts, these items remain uncorrected. I have included copies of my previous correspondence as well as supporting documentation to expedite the review process. Please help me conduct a thorough investigation of these items and provide me with written confirmation of their removal within 30 days. The following items should be removed as soon as possible : XXXX XXXX Balance Owed : {$6100.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX  XXXX, TX XXXX XXXX XXXX  XXXX Balance XXXX : {$6100.00} ; XXXX XXXX ( Original Creditor XXXX XXXXXXXX XXXX ) XXXX XXXX Owed : {$980.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Owed XXXX {$0.00} ; XXXX XXXX  XX/XX/XXXX.
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 Account name : Credence Resource Management , LLC, Account Number : XXXX Credence Reference ID : XXXX has 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. 

Also this company only has a license to collect debt in XXXX states. Those states are : Connecticut, Idaho, Indiana-SOS, Maryland, Massachusetts, Nevada-FID, New Mexico, North Dakota , Oregon , Rhode Island & Wyoming . Which is verified on https : //nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/1134094.

This account was disputed by another collection agency ( XXXX XXXX ) and sold to this company. 

Remove this account immediately!! 

Sincerely, XXXX XXXX
Product: Mortgage

Wells Fargo opened multiple accounts in my name using my social security number and a business line of credit using a tax id number without my permission or knowledge I have copies of multiple promissory notes with different dates with my signature forged in XX/XX/XXXX I have copies of bank statements with account numbers I did not open Loan applications forged with inaccurate information about me and or prior business I owned Unauthorized credit inquires in XX/XX/XXXX Multiple charge offs on my credit report Transfer of funds from existing account to unauthorized accounts and vice versa Request was sent to the irs in XX/XX/XXXX for a copy of my taxes Random bank fees and charges withdrawn from existing account without my knowledge or permission It appears there are multiple title insurance policy and claims Documents reflect a refinance of existing mortgage was done in XX/XX/XXXX without my knowledge or permission. 

XXXX XXXX XXXX XXXX XXXX Wachovia and Wells have conspired and have performed three unlawful foreclosures Wells fargo used a shell company called XXXX XXXX XXXX XXXX to perform an illegal eviction in XX/XX/XXXX which I believe was to get rid of all the fraudulent documents. I've been able to obtain copies of somethings from multiple parties to show thier scheme. 

I am currently being haressed my computers have been hacked multiple times and my current home broken into where flas drives and documents were stolen. 

This is just a snapshot of the ordeals Wells Fargo and it's affiliates have put me through. It has been detrimental to me financially and to my health to me socially it has turned my life upside down etc
Product: Checking or savings account

I am filling this complaint against Capital One regarding the deceptive practices related to their 360 high yield interest savings account. Capital One misrepresented the 360 savings account as having one of the nations highest interest rates, yet failed to notify account holders about the superior rates offered by the 360 Performance Savings account. The deliberate obscurity and lack of transparency violated consumer trust and resulted in significant financial losses for many, breaching the Consumer Financial Protection Act and the Truth in Saving Act.I seek redress for the misleading practices and failure to fulfill their advertised promises.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just completed a chapter  XXXX  bankruptcy that included the  XXXX   XXXX  home loan. the house was surrendered and the loan included in the chapter  XXXX  with the successful completion of the chapter  XXXX  the loan must now show  XXXX  balance. The updated report now shows a greater balance. this a violation of federal law and the terms of the chapter  XXXX  the   XXXX    XXXX  home loans should now read closed.  XXXX  balance.
Product: Debt collection

Firstly, Financial Corporation of America always sends debt collection mail without any detail of service. 

I received a debt collection mail, asking me pay {$61.00} to XXXX XXXX XXXX, for the service conducted on XXXX/XXXX/2015. There was no any details of the service and evidence of they contacted my insurance company already. 
I called them, and they sent me a XXXX lines service details. The original cost was XXXX and after insurance, I need to pay {$61.00}. 

I paid {$61.00} to them, although I was not that clear about the services, but I knew I did see doctor on XXXX/XXXX/2015. 

Then around 10 days later, I received another letter from Financial Corporation of America, which asks me to pay {$810.00} for the service XXXX conducted on the same day, XXXX/XXXX/2015. Again, there is no any details. 

Firstly, I paid after insurance {$61.00} already. Secondly, It is rude to ask people to pay without any supporting details. 

I demand Financial Corporation of America to stop sending any bill without details for the service and evidence that they contacted my insurance already.
Product: Credit reporting, credit repair services, or other personal consumer reports

Vervent/Total Card Solutions has listed a negative remark on my credit report. I have tried disputing the issue. The agency has failed to produce any documentation to prove this account was mine.I have attempted to contact Total Card services and have been advised that they are no longer servicing my account and refused to provide me with any information I needed. I was advised that XXXX XXXX XXXX is now servicing my account. XXXX XXXX XXXX has advised that they stopped all reporting efforts on my credit report. At this time, Vervent/Total Card is on my credit report still listed as a charge off. If the agency is no longer service my account and refuses to prove my account ownership, they should not be allowed to report negatively on my account. I want for this account to be removed immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, FL XXXX XXXX. XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX Dear Sir or Madam : As of XXXX. XXXX. XXXX it is still displayed on all three of my credit report files, XXXX, Equifax & XXXX. I was also notified that I could not use XXXX XXXX, XXXX of XXXX XXXX XXXX XXXX on my behalf as my representative to dispute fraudulent alleged accounts. I have Attached several Documents so you can see the discrepancies on my FICO credit report, the items I dispute on the attached copy of the report I received.The information on XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All of these accounts listed are closed with no amounts or Account number XXXX with a balance of {$0.00} and there's a duplicate with the same alleged owed amount of {$0.00}. This is inaccurate because I've been contacted by your company about a debt you allege I owe several times. I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX, Thank you
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES WERE NOT AUTHORIZED BY ME. I MADE MORE THAN ONE ATTEMPT TO CONTACT THE COMPANIES BUT NO REPLIES. NOTE : MY PERSONAL INFORMATION WAS RECENTLY COMPROMISED, THROUGH XXXX, XXXX, XXXX, DARK WEB, WHICH I WAS NOTIFIED.
Product: Checking or savings account

I have been receiving overdraft fees seems like for no reason over the past couple years and never knew why. I would lock my card and stuff to stop it from happening but it would still occur.
Product: Debt collection

I am filing this complaint regarding an inaccurate item on my credit report that. Continue to have a negative impact on my credit. Despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of this item, as it is incorrect and does not reflect my true credit history.
Product: Credit card or prepaid card

I received an email on XX/XX/19 from Synchrony Bank at XXXX, XXXX and XXXX. The email says : A Trial Deposit Has Been Successfully Made to Your Amazon Creditbuilder and Action Required On Your Application. I did not apply for anything. I tried calling Synchrony Bank several times and the calls kept getting dropped. I spoke with the Federal Trade Commission who said they have been receiving calls about the same emails other people are receiving! I need this account closed immediately.