23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I received a letter from my new mortgage company XX/XX/XXXX stating my flood insurance policy had lapsed and I had 30 days to provide my new policy info or they would place insurance on it for me at a substantial premium to cover " their '' interest. I have owned the home for 29 years and have never purchased flood insurance before. I had a previous request from my original mortgage company XX/XX/XXXX so I had an " Elevation Survey '' done by a professional surveying company stating my home was in XXXX. Homes that are in XXXX do not require flood insurance and the issue was resolved. The new mortgage company said they would not accept the elevation survey but required a letter from FEMA. I started the FEMA process which stated could take up to 60 days. Around XX/XX/XXXX, I received a phone call from the mortgage company concerning the flood insurance. I returned the phone call and told them I was still waiting on FEMA. After the phone call, I made some phone calls and was able to purchase flood insurance ( although I live in XXXX and it should not be required ). I paid for the policy but was informed that it all has to go through the government and would take 30 days to go into effect. This means the original letter I received giving me 30 days to comply was " barely '' attainable even if I received the letter the same day they wrote it. It took the mail a few days to get to me AND I had to find insurance, purchase it and have it go into effect in that same 30 day period per the letter. On XX/XX/XXXX, I paid FEMAFLOODNFSIE ( a government agency ) for my flood insurance policy ( against my better judgement ) and both my insurance agent and I faxed them the policy application information as well as the proof of payment ( from XXXX totally separate fax machines ). On XX/XX/XXXX ( three days after purchase of insurance ), I received the letter from FEMA stating my residence was removed from XXXX and indeed was in XXXX I promptly sent this information via fax to the mortgage company and figured the situation would be settled one way or the other ( I " purchased '' the insurance policy AND I had the FEMA letter they requested saying I was in XXXX ). On XX/XX/XXXX, I received another letter from the mortgage company stating THEY put the flood insurance policy on my loan. Now I have XXXX unnecessary insurance policies for the same property!! I have faxed the information several times as well as emailed it three times. When I call to speak to a representative, I am told they did not receive anything concerning my insurance coverage and I need to fax it again. I re-fax it and follow up with more phone calls but they never receive anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 XXXX added a derogatory mark on my credit report for {$3400.00} per XXXX XXXX and Experian. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. Debtor 's creditor did not verify this collection in the 30 days it was suppose to take. Also there was NO written form of communication, contract, or signature for this accused debt at all. A bill without signature does not validate the debt and anybody can send a bill and say its mine .According to the FCRA 623, XXXX has violated my rights and I'm requesting legal action to remove this account immediately. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
Product: Debt collection

This is not my debt. I have never in any state used CashNetUSA, the original creditor. 
The debt has been sold to a XXXX XXXX XXXX XXXX XXXX. 
File number : XXXX Not my debt and I will not be responsible for the payment in the of {$2600.00}.
Product: Money transfer, virtual currency, or money service

Last sunday XX/XX/2021, a person contacted me by XXXX. This person hacked my cousin 's phone number. This person ( supposedly my cousin ) asked money for an emergency situation. The person sent the amount XXXX {$450.00} XXXX, and sent me the personal deposit information : XXXX XXXX XXXX XXXX. 
I sent the money, but the next day I knew that it was a scam or fraud. I tried to contact my bank XXXX Bank of America XXXX, but it was closed because XX/XX/2021 was holyday. 
So, next day a contact the bank a they took my declaration about the situation. And they told me that they don't sure if they can send me my money back, but they needed 90 days, for triying to fix the problem. 
I don't understand what is the protection that the Banks offer to costumers. Nobody worked on holydays, they can't give us the security that they are going to respond of the situation. I need help with this case please.
Product: Credit card or prepaid card

On  XXXX   XXXX ,  2017 I dep osited {$380.00} cash into a Bank of America ATM on the corner of  XXXX   XXXX    XXXX    XXXX   XXXX  in  XXXX   XXXX , GA. The Atm had difficulty accepting the cash but did take it, then spit out a ticket saying, " We are unable to process your request and can not return your item  ( s ).  '' It also listed a  XXXX  number to call. I called the number and reported the incident to Bank of America. A gentleman took all the information and promised the credit would hit my account with in 7-10 day s. When 10 days passed and I still was not credited I called again. After being transferred numerous times they finally stated that I just needed to be patient that it would be resolved  in 7-10 BUSINESS days. After 7-10 business  days I called back again, was again transferred between multiple departments and finally told, they are still, '' looking into it. '' From my perspective, Bank of America has taken {$380.00} from me and every attempt I make to resolve it results in being sent in circles.
Product: Checking or savings account

Bank of America closed my business checking account because someone else gave me a check that bounced.I called and talk to an agent after speaking with the person that gave me the check to inform the bank the check might not clear. The agent told me There is nothing they can do, just let it process and return. Two weeks later they close the account. The call with me talking to the agent can be recorded and can be searched in their file.
Product: Credit card or prepaid card

On the following dates a hold was placed on my Citibank credit card without my consent or knowledge : XX/XX/2018 XXXX XXXX XXXX $ XXXX,XX/XX/2018 XXXX XXXX XXXX XXXX {$50.00}, XX/XX/18 XXXX XXXX XXXX {$100.00}. I reached out to XXXX XXXX an was told a hold was placed on the card for incidentals and hold was released on day of departure. However, the holds were still showing on my Citibank account which denied me use of purchasing power. I then reached out to Citibank and asked for an immediate release of said holds, that were on the account for weeks close to a month. Citibank refsued to release said hold, insctructed me to reach out to XXXX XXXX, and stated only XXXX XXXX can release said hold. I again reached out to XXXX XXXX who confirmed in writing Citibank is the one not releasing said hold on the account. 

As the consumer I am caugh in the middle and holding Citibank accountable because once I disputed said charges the hold should have been removed until investigated by Citibank. I filed a similiar claim with the CFPB over a year ago about the same incident and business XXXX XXXX and Citibank.
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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX has Violated my rigts 15 USC 1681 Section 602 States i have the right to privacy 15 USC 1681Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15USC 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late fo any purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately : 15. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

16. Validate Account XXXX XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

17. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

18. Validate Account XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

19. Validate Account XXXX XXXX XXXX  XXXX XXXX. 
Account Number : XXXX Please remove it from my credit report. 

20. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

21. Validate Account XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

22. Validate Account XXXX XXXX XXXX. 
Account Number : XXXX Please remove it from my credit report. 

23. Validate Account XXXX XXXX  Account Number : XXXX Please remove it from my credit report. 

24. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

25. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

26. Validate Account XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

27. Validate Account XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Please remove it from my credit report. 

28. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

29. Validate Account XXXX Account NumbeXXXX : XXXX Please remove it from my credit report. 

30. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

31. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

32. Validate Account XXXX Account Number : XXXX Please remove it from my credit report. 

33. Validate Account XXXX XXXX  XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting

I 've tried disputing a couple of fraudulent accounts on my credit report and the bureau has taken some of it off but only the collection things. I 've sent letters to the creditors XXXX, and have gotten no response. Not sure what is being looked into when the bureaus send me the results showing verified. How can they verify something that 's not mine. Most recently about a month ago i did send in a Identity theft document and all of the items it asked me to include. Feel like after 6 months of disputing and working hard that its really going nowhere. Would really like to have this stuff taken off my credit report bc it is not mine. thank you
Product: Credit reporting or other personal consumer reports

I was checking my credit report and notice several hard inquires on my credit report.
Product: Student loan

My loan service provider is Navient. I am enrolled in XXXX and received payment stubs listing the payment amount of {$360.00}. Instead of paying the amount on my statement I pay {$400.00}, and after doing that my payment amount has changed. The balance on largest loan has decreased very little, but the balance on my small loan has increased. My XXXX tax statement says that I paid {$3900.00} in interest.
Product: Debt collection

THIS IS A REQUEST FOR ACCOUNT CHAIN OF TITLE/OWNERSHIP VERIFICATION OF DEBT. 
RE : MAURY COBB ATTY AT LAW/ XXXX XXXX  XXXX # XXXX To whom it may concern this is the 3rd or 4th Debt collection agency attempting to collect a debt that has never been verified, never sent noticed before placing it on my credit file violation of both FDCPA & FRCA FEDERAL LAWS. This account has been illegally re-aged 4 time prior to landing in the current office database of MAURY COBBATTORNEY AT LAW LLC. XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX. 
This complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill, or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assignability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab into. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, UnderOHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. PLEASE DELETE THIS FILE AT ONCE. IT HAS BEEN IN DISPUTE SINCE XX/XX/XXXX BEFORE IT WAS TRANSFERRED TO THE COBB LAW OFFICE.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have items passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous inquiries reporting on my Credit Report : XXXX XXXX XXXX  XX/XX/XXXX XXXX Bank XX/XX/XXXX XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions. This caused me so much stress and left me with negative balance that in turn did not allow me to pay my other bill. I was so embarrassed to be declined.
Product: Debt collection

Affirm - a credit company that gives shoppers another to pay for their online purchases. I had someone call me from Affirm ( XXXX-located in California XXXX on XXXX XXXX XXXX  saying that someone was trying to open up an account in my name and that I needed to fill in that I refused the debt. The number he was calling from was definitely the Affirm phone number. After this happened, I call Affirm and told them about what happened because I felt that the call was fraudulent. The next thing I know is that I owed Affirm {$2100.00} that I did not owe. I tried telling Affirm that this was a fraudulent loan. They said that they would investigate but it would take up to 90 days to resolve and that I would have to make the payments anyway. I told them that I would not make payments on a loan that I did not owe. They will not let you speak with anyone at Affirm and all discussions about this matter is done by email only. I joined XXXX and a XXXX XXXX XXXX has been trying to help me get this issue resolved for several months now. Affirm send me an email on XX/XX/XXXX that they found that this was my loan and I had to pay. After I made a complaint with the better business bureau and I thought that I had made XXXX with you, they said they would reopen the case. The XXXX  rep and call Affirm about every XXXX weeks to see if they have finally resolved the issue.
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
Product: Prepaid card

I have been a Rushcard member for over 10 years. Because of a " glitch in the system I can not access my account and can not get when the problem will be corrected
Product: Money transfer, virtual currency, or money service

TD Bank, whom I have now discovered is staffed by XXXX XXXX XXXXXXXX, such as my personal banker XXXX XXXX XXXX located at XXXX XXXX XXXXXXXX XXXX XXXXXXXX NY XXXX, ( XXXX ) XXXX, apparently rejected a law firm retainer fee wire transfer of {$5000.00} transaction number XXXX on XX/XX/2021 sent on XX/XX/2021 from my former client XXXX XXXX from his account ending in XXXX to my account ending in XXXX because the wire was sent to my name, XXXX XXXX, who is the sole owner and XXXX  of my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX. 

In addition, the TD Bank rep who I spoke with on phone today also advised that TD Bank has apparently also been rejecting all deposits ( even checks ) paid to my name as the XXXX XXXX 

The biggest kicker of all is, that they have never told me when these " bounces '' or " returns '' have taken place, thus lulling me into a false sense of security wherein I duly and diligently perform the legal work, while not even getting me paid. 

Please urgently investigate and advise, as due to my feverish last minute estimates, these people have cost me/rejected tens of thousands of dollars paid to my account from XXXX who never even told me that this happened, but happily accepted my work anyway,.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the List of accounts shown below has violated my federally protected rights to privacy and confidentially under 15 USC 1681. 
ACCOUNT Name : XXXX XXXX XXXX  # XXXX, ACCOUNT Name : XXXX XXXX, # XXXX, ACCOUNT Name : XXXX XXXX # 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm XXXX XXXX, and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there is still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm this record ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX  XXXX XXXX XXXX Balance {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reviewed my credit report and there is information that I have discovered which is not mine. I would like to immediately dispute and have investigated. The accounts that are on my account that are not mine are : XXXX XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX I do not recognize these accounts and have never incurred debt with these creditors. I do not know where they came from. Thus, I am requesting that you please verify the validity of these accounts and remove them once its confirmed that they are not mine. 

Once deleted, please inform all other credit reporting agencies. If somehow these accounts are verified, I would request you send me all documentation, including letting me know who provided any information to you, so that I can conduct an investigation, or otherwise pursue my legal remedies for reporting things on my credit that are not and never were mine.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are required to remove/block any items which were opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$200.00} ; XXXX XXXX  Bankruptcy Reference # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bankruptcy Reference # : XXXX ; Date Filed/Reported : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Velocity Investment is try misrepresent themselves has as XXXX XXXX in a law suit against me. I have found that the are not associated with XXXX XXXX. The are saying I owe {$20000.00} dollars from a depth they purchased. I never owed them XXXX XXXX {$20000.00} either, due me surrendering the car 6 years ago. Velocity couldnt even provide information on what this debt was for except it was from 2015. The statue of limitations in Texas is 4 years, the claims are over that. The have never velocity investments has never communicated with until send a notice for a law suit.