23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Shellpoint force placed flood insurance on a my property. I supplied the current Flood Insurance on XX/XX/2024 via email, after speaking to a CSR. To my surprise, they not only did not resolve the issue but increased my monthly payment by {$500.00} ( renewed the forced placed insurance? ). Need this payment issue to be addressed as soon as possible. 
Thank you
Product: Credit card

I got a XXXX debit card sent to my parents house via Cash App about a week ago which I had never applied for. There is no signs of it being used as the card remains still inside the envelope in which it was sent and requires activation. Currently, there is no contact from this company that I know of in regard to this debit card that was issued under my name and I do not wish to receive any such services or products from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting false information on my credit report. We have submitted 3 times now all documentation proving this to be true and accurate beyond refutable information at this current time. Here are the exact accounts they claim I have not submitted. XXXX Acct. # XXXX. Acct. # XXXX.. XXXX/XXXX  Acct. # XXXX All three of these accounts were paid in full and came out of my checking account XXXX ending ... .XXXX. I will be submitting bank statements as well.
Product: Vehicle loan or lease

On XX/XX/2023, I applied for an auto loan expecting to receive the lowest advertised rate. Bank of America has failed to provide the exact reason they did not honor their advertised rate. 

I feel this is false advertising and an act of fraud. Class action may be needed to require Bank of America to properly state in their advertising that most consumers will not receive the lowest advertising rate. This way consumers can just apply with different banks and lower their score by applying for multiple loans.
Product: Checking or savings account

My account was hacked from other states for XXXX. Never got reimbursement from wells fargo, and added over draft fees. I was XXXX  XXXX  after this as to I was left with nothing
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX Balance : {$6000.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX XXXX Balance : {$9600.00} XXXX XXXX XXXX Balance : {$9600.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX # XXXX, XXXX XXXX XXXX XXXX XXXX # XXXX {$5800.00} {$1900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX hard fraudelet hard inquiries XXXX XX/XX/2021 XXXXXXXX XXXX XXXX XXXXXX/XX/2021 XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2021 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
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, my XXXX XXXX XXXX was involved in an accident and totaled out with a pay-off amount of {$14000.00}. I did not have GAP insurance but my insurance company ( XXXX ) was able to cover {$12000.00} and the Ancillary product refund was {$600.00}. I had made every on-time monthly payment from the purchase of the vehicle and then past the accident. Normal on-time payments were made after the fact to pay off the incorrect remaining balance of {$1700.00}. Even though there was no vehicle I continued to make payments. In XX/XX/XXXX, I made a {$50.00} payment at the beginning of the month and when I went to make a second payment on the XXXX the payment portal was blocked. I called the number listed and spoke to a customer service rep, she stated that my account was in another department and that I should receive a letter with the final balance. I did not receive a letter and waited. On XX/XX/XXXX I received a Hyundai finance alert paperless bill for {$220.00} due on the XXXX of XXXX, XXXX. This billing was obviously wrong My thought process was that maybe Hyundai Motor Capital was giving me a break and extended the term to pay-off over time. I was wrong. 
On XXXX the XXXX I received a call from Hyundai Motor Capital and spoke with Mr. XXXX XXXX. He stated that I had a balance due. I told him that I had tried to make a payment and I was locked out of the portal. I explained to him that I did not recieve a final bill and I asked if he could email the final bill which he did and if I can continue to make payments of {$200.00} more on the balance. He said yes. 
Hyundai charged off my account without warning to me and misreporting and not properly reporting to the bureaus over several months and while I was making payments on the account balance. I called several times to try and fix this. I wrote a letter showing that my intent was to do right all along. This account is paid in full. This is wrong to do to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion and XXXX are furnishing fraudulent and non verifiable data public record chapter XXXX bankruptcy # XXXX on my credit report and I want this information removed immediately!
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Formal Complaint Regarding Inaccurate Late Payments on Account [ XXXX ] Dear CFPB, I am filing a formal complaint against your bureau for failing to correct inaccurate information regarding late payments reported on my credit report for account [ XXXX ]. Despite multiple requests for correction via disputes submitted on XX/XX/XXXX and XX/XX/XXXX, no action has been taken to address these inaccuracies. This lack of resolution is a clear violation of both the Fair Credit Reporting Act ( FCRA ) and the Truth in Lending Act ( TILA ). 
FCRA Violations : According to 15 U.S. Code 1666b, creditors are required to send periodic statements at least 21 days before the payment due date. The late payment reporting on this account suggests a failure to comply with this requirement. Additionally, 15 U.S. Code 1681i mandates that credit reporting agencies ensure the accuracy of information in consumer files. Your bureaus continued inaction contravenes this obligation.

TILA Violations : The Truth in Lending Act emphasizes the necessity for accurate and timely disclosures to consumers. The erroneous reporting of late payments has caused significant and undue harm to my creditworthiness.

Protection Against Non-Payment of Obligations Act ( PAANL ) : This act reinforces the responsibility of creditors to provide timely statements, preventing unfair penalties to consumers. The failure to correct this inaccurate information reflects non-compliance with these provisions. 
Discrepancies and Account Information : Below are the discrepancies observed on my account : Account Details ( Experian ) : Account Number : XXXX High Balance : {$2400.00} Last Verified : -- Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$1500.00} Account Status : Open Payment Status : Current Two-Year Payment History : Erroneously reported XXXX late payment for XX/XX/XXXX Desired Resolution : Immediate removal of the inaccurate late payment notation for XX/XX/XXXX from my credit report. 
Written confirmation of the corrections. 
Supporting Evidence : Copies of my payment history showing timely payments. 
Correspondence regarding previous disputes submitted on XX/XX/XXXX and XX/XX/XXXX. 
Relevant sections of the FCRA and TILA demonstrating your obligations. 
If this issue is not resolved promptly, I will escalate my complaint further, including potential legal action and filing additional complaints with the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory agencies. 
Thank you for your immediate attention to this matter. I look forward to your prompt response confirming the resolution of this issue. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Waiting for information about how they did they're investigation and delete other addresses and names that are not mines
Product: Money transfer, virtual currency, or money service

Dear CFPB Let me tell you briefly what happened. 

On XX/XX/2022, PayPal asked me to provide a service fulfillment to customers and clarify the type of my work. All the required files and information were sent on XX/XX/2022, done on XX/XX/2022 I was asked to provide additional documents and information. This was done on XX/XX/2022. After reviewing all the documents and information, they were approved and I could use PayPal normally. I made a withdrawal that was approved and awaiting confirmation. On XX/XX/2022, I logged into my account. I was surprised that the withdrawal process was suspended and my balance was suspended for 180 days, and that I could no longer use PayPal without any justification or explanation. 

I tried to call customer support over and over again, but to no avail. The only answer is to tell me that the service has been temporarily suspended due to the Covid-19 virus. 

Ref ID - XXXX Very sincerely yours, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Company is in violation of federal law 15 U.S. code 1666b ( a ), which states that a creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to pursuant US Code 1681c 2 ( a ) consumer reporting agency shall block the reporting of any information in the file of consumer that indentify theft, no later than 4 business days!
Product: Credit card

On XXXX/XXXX/15 I used XXXX to make multiple hotel reservations for the same time period with the intention of cancelling XXXX hotels once I had a chance to discuss with my husband which hotel he preferred. All hotels advertised Free Cancellation by XXXX/XXXX/15. On XXXX/XXXX/2015 my husband and I decided which hotel we wanted to book. When I went to cancel XXXX of the hotels, we received a message that there was a {$710.00} " cancellation fee '' for each hotel. Multiple attempts to address this error with XXXX were unsuccessful. XXXX did not take any responsibility for the false advertising. I disputed the charge with Chase. At the outset, the customer service representative made an error and credited too much back to our account. On my XXXX statement, Chase addressed their original over-payment error and reversed a portion of the credit. I have received multiple letters from Chase indicating that they resolved the dispute in my favor ; however, on my XXXX statement, XXXX re-billed my account for {$710.00}. I have made phone calls, uploaded evidence into the website and faxed information to Chase and they have yet to reverse the charge. With every phone call I make there is another excuse as to why they have not reversed the charge and I start the dispute process over - providing evidence in writing. 

Regarding XXXX, the hotels were clearly marked as having free cancellation by XXXX XXXX. We made the reservations in XXXX and held onto them for only a couple of days. There was absolutely no one to speak to at XXXX and I will never use that " service '' again. 

My request for CFPB is to help me resolve the disputed charge with Chase. {$710.00} is not an insignificant amount of money and their disputes department is clearly inadequate and possible set up to wear down consumers so that they will not use the service.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello my name is XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and I did not make the charge. I ask that the items be deleted to correct my credit. I reported the theft of my identity to the Federal Trade Commission and I have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit please delete these items as soon as possible.

Based on, 15 U.S. Code 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of the receipt.

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the accounts listed below.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! I demand the following accounts be verified or removed immediately.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.1682c-2 ) that you TransUnion credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of mobile telecommunication for XXXX open XX/XX/XXXX, XXXX XXXX XXXX reported on XXXX and gym memberships open XX/XX/XXXX for XXXX XXXX  XXXX and XXXX XXXX open on XX/XX/XXXX. These accounts have resulted in fraudulent collections and charge offs appearing on my consumer XXXX credit report maintained by you which shows aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or charge offs are resulted from this matter. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer charge off collection accounts resulted from this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I Have called and i have so sent Proof and verifications of new addresses months before hand and the correct address has not been updated to my credit profile and every address on my profile has not been removed.
Product: Debt collection

I have been trying to negotiate a debt settlement with my original credit card company ( First National Bank of Omaha ). In the midst of this negotiation, I received a notice from that  original credit card company stating they sold my debt to a specific debt collection company ( XXXX XXXX XXXX XXXX XXXX ) and that company was prohibited from reselling my account to an entity other than to an affiliated entity without the approval of the original creditor. 

I sent a negotiation letter to that debt collection company as soon as I received the letter from the original creditor. Soon after, I started getting collection phone calls from a different company to my place of employment. I then received a notice in the mail from that different company ( XXXX XXXX XXXX ), telling me that I need to send payment to XXXX. I sent them a verification letter on XX/XX/XXXX/2019. To date ( XX/XX/XXXX/19 ), I have only received copies of my credit card statements and a notice stating that XXXX was permitted in the State of Massachusetts. However, I do not, nor ever received, a letter stating that they are authorized by the original creditor to collect the debt. The 2nd debt collector has bad marks about their unsavory debt collection practices and I don't trust them. The 30 day period is over for giving me this information.
Product: Credit reporting or other personal consumer reports

ENCLOSED ARE THE HARD INQUIRIES THAT IM DISPUTING THAT WERE FRADULENT RAN WITHOUT MY CONSENT
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax use my identity and share my information with another person and there is XXXX  unauthorize hard inquiries on my credit report.My credit scores is around XXXX.

Also XXXX and XXXX has n't deleted the negatives of unauthorize hard inquiries and negatives after Bankruptcy chapter XXXX on XX/XX/XXXX it was discharged on XX/XX/XXXX by Federal Judge.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter requesting that you reinvestigate the disputed accounts from my credit report as well as update these accounts from my report during the investigation period. As of this date, you have failed to respond to my request. Here are the accounts that I wanted to fix. 
OFFICE OF THE ATTY GEN XXXX Balance {$0.00} ; XXXX BANK XXXX Opened XX/XX/XXXX Balance {$680.00} ; OAG CHILD SUPPORT ENFORE XXXX Opened XXXX, XXXX Balance {$0.00} ; ATTORNEY GENERAL-CHI XXXX Opened XXXX XXXX, XXXX Balance {$1400.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance of the Fair Credit reporting act. This list of accounts 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  % has violated my rights. 

XXXX5 U.S.C. 1681 section 602 A. States I have the right to privacy.

15 U.S.C. 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish without my written 15 U.S.C. 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency make any consumer report containing any 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 reporting agency if the person knows or has reasonable cause to believe that information is inaccurate.
Product: Debt collection

On XX/XX/, I went to XXXX XXXXXXXX at the XXXX XXXX XXXX in XXXX New York ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NY XXXX, XXXX : XXXX. After purchasing some clothing, the clerk suggested I sign up for an XXXX XXXX Rewards Card. I did so, and was told that Id receive the card in the mail the following week. 

On XX/XX/, I received an email from XXXX XXXX notifying me that my card ending in # XXXX had been activated. I was confused, as I had never received the card. I then received an email from XXXX XXXX 4 days later stating that the activity on my account might be related to fraud. I immediately contacted XXXX XXXX concerning the matter. 

Apparently, an individual or individuals in the State of Georgia had purchased merchandise totaling {$7500.00} on XX/XX/2022, the same day that I had received the email from XXXX XXXX stating that my card ending in # XXXX had been activated. 

Following this incident of fraud, the NorthStar Debt Collection Agency sent a letter asking to collect the debt. Even after I explained it was fraud, they told me all they could do is lower the amount to pay. Since I refused, they told me there was nothing I could do I want to have this form fraud off of my name and be addressed ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX XXXX and experian of the inaccuracies on my credit report. I have sent multiple letters asking for them to investigate and remove the accounts due to inaccurate information and they have responded back that the information is verified and accurate. When i call them to fix the problem they tell me they can not fix the problem. i have sent XXXX  sets of letters to them asking for them to remove the accounts due to the inaccurate information and they have not done so yet. I am attaching a copy of my credit report with the highlights of the inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid my loan in full of {$88.00} on XX/XX/2022. XXXX continues to report that this was charged off for as of right now, XXXX and XX/XX/2022. This account was never charged off. It was only late, which I paid off in full. They said they would correct it to Paid Charge off, which is still incorrect. I was able to pay in full directly to XXXX. Charge off means that it was written off as a loss and sold to a third-party and unable to pay original creditor. My account was never sold to a third-party and I was able to pay XXXX directly.