23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a XXXX XXXXXXXX XXXX, bought from XXXX. 

In late XX/XX/XXXX, I received a notice from XXXX XXXX that I was now in a new flood zone and I would need to provide flood insurance. The later was mailed XX/XX/XXXX. 

I immediately contacted my insurer, who notified me that I would need an elevation certificate to get a reasonable rate. I contacted XXXX here in XXXX, Texas. XXXX assured me that they would come out that next day and have my certificate in a few days. 

I received the certificate about ten days later, and presented it to my insurer. The rate was not acceptable so I contacted my auto insurer XXXX. They provided me a very favorable rate and I accepted and paid for it on XX/XX/XXXX. I received the attached from FEMA that I had flood insurance.I had to wait the 30 days, but I had paid for it. 

XXXX XXXX had purchased a policy for XXXX $ per year. I informed them by certified mail and through their website and provided XXXX XXXX a copy of the insurance policy from XXXX XXXX. While making an automated payment in XX/XX/XXXX, I noted an extra XXXX $ tacked onto the payment. I didn't pay it, but paid the " minimum '' set by the computer, XXXX XXXX 

On XX/XX/XXXX, I called XXXX XXXX. I was on the phone for over an hour. I spoke with XXXX and XXXX. XXXX explained that XXXX XXXX had sent the notice our on XX/XX/XXXX, and made the first payment on XX/XX/XXXX. They received the insurance verification and refunded all but XXXX ., the first month 's payment. I explained that I had to get an elevation certificate and was working with all deliberate speed. My insurance agent said I had until XX/XX/XXXX to provide proof. While talking to XXXX, I found my copy of the FEMA Declaration that I had insurance on XX/XX/XXXX, As I was reading it, and asking why this did not mean that I had paid for coverage in XXXX, the line disconnected. 

Since I did spent over an hour on the phone to get that far, I did not call back. I did send a certified letter to XXXX XXXX with a copy of the FEMA Declaration on Friday, XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Account - XXXX XXXX XXXX To whom it may concern, I am writing to address my deep dissatisfaction and concern regarding the handling of the XXXX XXXX XXXX account information on my credit report. It has recently come to my attention that there are multiple apparent violations of the Fair Credit Reporting Act ( FCRA ) associated with this account. I hereby demand immediate action to rectify these discrepancies.

I formally request a comprehensive debt validation process, encompassing the following details : Original Contract : Kindly furnish a complete copy of the original contract between XXXX XXXX XXXX  and myself pertaining to the account in question.

Original Creditor : Clearly state the name and contact information of the original creditor associated with this account.

Original Open Date : Provide the precise date on which the XXXX XXXX XXXX account was initially established.

Date of Last Payment : Specify the exact date of the last payment made concerning this account.

Date Account Was Closed : Indicate the date on which the XXXX XXXX XXXX account was officially closed, if applicable.

I am fully aware of my rights under the FCRA, and it is apparent that Equifax has failed to meet its obligations in ensuring the accuracy and validity of reported information. I insist on a prompt response and resolution to this matter. 

Failure to comply with this request within 14 days from the date of this letter will leave me no choice but to pursue legal action to enforce my rights under the FCRA. Please consider this letter a formal notice of my intention to do so.

I anticipate a timely response, including the requested documentation, to be sent to the provided address. Furthermore, I expect any necessary corrections to my credit report to be promptly implemented. 

Sincerely, XXXX XXXX XXXX and wire fraud, negative status and charged-off accounts, extortion, and lack of validation are issues that need to be addressed promptly.
Product: Checking or savings account

I wasnt unable to transfer money from my savings to checkings to make purchases and after speaking with chase banks chief executive officer and other employees they disclosed to me that I couldnt do nothing but withdraw XXXX and wait till tomorrow after several people agreed to raised the limit on my savings account withdrawal from XXXX to XXXX to help me with the transaction I then was told that can only happen with checkings account because my savings account money isnt FDIC insured and on all levels of banking this is something they cant do anything about this so in result Im having to pay out of network fees and still not able to use money that I put into my own account
Product: Credit reporting or other personal consumer reports

I am writing to inform you that I am a victim of a data breach, and I am requesting that the following fraudulent inquiries be blocked and deleted from my credit report. These inquiries were not authorized by me and are the result of identity theft or the data breach. 
Please take immediate action to block and delete the following inquiries from my credit report in accordance with 15 USC 1681c-2 ( a ) and FCRA 605 ( b ) : Fraudulent Inquiries to be Blocked and Deleted : XXXX Credit Plus Date : XX/XX/year> XXXX. XXXX  Date : XX/XX/year> XXXX. XXXX XXXX  Date : XX/XX/year> XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit report and noticed that there are items that are not right. 

I saw these accounts on my credit report, and you need to remove them because they are inaccurate, incomplete or unverifiable : Account : XXXX XXXXXXXX XXXX XXXX XXXXXXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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 information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I disputed a transaction because I did not receive a full refund for a defective product that I returned to the merchant.

Citibank began investigating and determined that because I had already received a 50 % credit that the dispute was invalid, despite the fact that I had returned a defective product and was told that I would receive a full refund for the product.

This goes on and on all the way until XX/XX/XXXX where I have been told that the dispute can not continue because of a limited time frame, despite the fact I disputed the transaction in good faith in on XX/XX/XXXX and the item was purchased on XX/XX/XXXX.

My funds have been held hostage, I have neither the item nor a full refund. I have been scammed!
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2022 I notified TRANSUNION there are several fraudulent/unauthorized inquiries listed on my consumer report that I did not give anyone permission to pull. The TRANSUNION agent I spoke with ignored my dispute and refused to properly investigate my dispute and transfer me to thier superior to correct my consumer report. My consumer and privacy rights have been violated pursuant to 15 USC 1681 ( B ) ( C ). I demand to be provided strict proof of my consent to furnish this information on my consumer report or delete the items immediately.
Product: Debt collection

Portfolio Recovery Associates, LLC is reporting a debt of {$2200.00} on my consumer credit reports. In XXXX of XXXX and then again in XX/XX/XXXX we wrote to Portfolio Recovery asking them to verify the debt, provide a payment history and documentation that proves they actually have the right to collect on this alleged debt with an assignment. 

They have yet to respond with any of the requested documentation. 

More than three ( 3 ) years ago I received one document only from Portfolio Recovery Associates, LLC dated XX/XX/XXXX, and it is attached to this complaint. In the past I submitted a dispute with the credit reporting agencies but nothing was done and the debt continues on my report as a collection matter. 

XXXX, Portfolio Recovery Associates, LLC Dispute Department, XXXX XXXX XXXX, XXXX, Virginia, XXXX, XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

FCRA Violation: name and address not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

FCRA Violation: credit card never late
XXXX

FCRA Violation: credit card not mine
XXXX XXXX XXXX XXXX XXXX XXXX  
FCRA Violation: hard enquiries not mine
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


FCRA Violation: Collection not mine
XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

well first I have been doing ok until this year my property taxes have went through threw the roof! and then i find out I am paying a {$30.00} dollar insurance pol on my escrow which i wasn't suppose to have it was just added! and my rate adjusted but now this has push my payment from XXXX to almost XXXX! a month!
Product: Mortgage

My mortgage servicer is Nationstar DBA Mr. Cooper. After a long process of applying with California Mortgage Relief for money owed during COVID Forbearance, the final step for California Mortgage Relief was to check the status of my mortgage. My application was declined because Mr. Cooper sent a report that my loan is delinquent My loan is current. Mr. Cooper gave me the option of making my payment on any date from the XXXX of the month to the XXXX of the month. I chose the XXXX because that's when I get my XXXX XXXX check. I pay every month through Auto-pay and the payment is received on the XXXX of each month. ( Payments received after the XXXX are considered delinquent ). I sent California Mortgage Relief my last two Mortgage Statement showing that my account is current, but unfortunately, they can only go by the report from Mr. Cooper. The representative from California Mortgage Relief told me Mr. Cooper is one of the worst offenders for giving them incorrect information. 
A representative from Mr. Cooper 's escalation department agreed to have a conference call with me and California Mortgage Relief and she conveyed to them that my account is current. Unfortunately, she was not from the Department that sent the incorrect report. California Mortgage Relief said my only recourse is to apply again and attach a copy of my Credit Report. ( My Credit Report reflects that I have zero late payments and the age of my account is XXXX years and XXXX months ). 
It is irresponsible and disheartening that a person at Mr. Cooper can plug in inaccurate information and make it difficult to speak to them re their error. 
I will reapply. Based on the report from California Mortgage Relief, without your assistance, I don't have much hope that Mr. Cooper will report accurate information.
Product: Student loan

Why do I still have student loans, all the loans are supposed to be forgiven! I have complained over and over about this. The loans originate from XXXX XXXX XXXX and were supposed to be immediately forgiven years ago. I am being treated different and this is not fair per FCRA. Here 's the response that XXXX gave : Dear XXXX XXXX : XXXX has reviewed your complaint made with the Consumer Financial Protection Bureau ( CFPB ) regarding the status of your student loan account. Please note that XXXX places the exceptional discretionary forbearance associated with the submission of a Borrower Defense ( BD ) claim as directed by ED. Our records indicate that as of this writing, XXXX has not received confirmation that you are eligible for further placement of the BD forbearance. For this reason, your account is currently in repayment, and is 55 days past due for a total amount of {$310.00}. If you have any other questions or concerns, please dont hesitate to contact a member of our Customer XXXX XXXX XXXX XXXX from XXXX XXXX XXXX Mondays, XXXX XXXX XXXXXXXX Tuesdays and Wednesdays, or XXXX XXXX XXXX Thursdays and Fridays, XXXX XXXX XXXX. You can also visit XXXX  Sincerely, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

U.S. DEPARTMENT OF EDUCATION ( XXXX ) U.S. DEPARTMENT OF EDUCATION ( XXXX ) Hello, I have two federal students with Great Lakes. The account numbers are listed above. I had submitted a 6-month deferment request for XXXX XXXX- XX/XX/XXXX to temporarily postpone payments due to financial difficulties. For some reason, during this time, my credit reports reflect late payments instead of the deferment status. I have tried to correct this via credit bureau dispute process but have been unsuccessful and need your help. I work hard and have even made payments during the pandemic while payments were on hold to help pay down balance. The credit bureaus have not been helpful. Great Lakes has not updated my account and I need further guidance as this is becoming a hinderance for me. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I had my ID stolen at age  XXXX , my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated. I never applied or benefited from these alleged accounts. This is a fraudulent account that I did not authorize. Does not meet FCRA OR FCDPA requirements. This account must be removed from all credit reporting agencies.     I am attaching ALL of my supporting documentation, lease for proof of address, ID, SS card, letters, police report, FTC ID theft Report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern : My personal information was breach in the internet as result accounts had been open in my name, I was advise to fill out an Id theft report to help me deal with this situation, I have listed each one of the accounts that do not belong to me. This is my second request to remove unverified items in my report, but trans-union keep re-posting these account with out providing any type of original document as the FCRA provide, you need to provide me with original documents or remove these account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello CFPB, I am a recent XXXX XXXX from XXXX University. Since I was relocated here as a XXXX at risk, I can not go back home ( XXXX ) because of the ongoing political crisis. So, until I get a professional job ( XXXX & XXXX ) I do any job to pay my bills on time and earn a living. Most of my credits are set on automatic payment and are paid timely. My credit score has been above 700 until recently and I was informed yesterday by XXXX XXXX that my credit score fell to XXXX due to some negative credit factors including late payments ( I forgot to pay an XXXX travel loan payable on the XXXX and paid it on the XX/XX/XXXX and reported. ) One major factor is, I was told, a closed XXXX store credit account which a XXXX saleswoman prompted me to open ( i did not go to XXXX that day to open a credit account ) and I told her there and then on her registry line ( to the same cashier before I left the store ) to close the account she ppened by my name because I did not plan to have a XXXX ( or any credit account ) for whatever reason. Either the saleswoman did not close the account she told me she closed it or XXXX systematically keeps open closed accounts to collect debts it does not deserve. For this wrong doing and exploitation/abuse, XXXX is accountable. 

I called XXXX XXXX yesterday, XX/XX/XXXX, before XXXX and they told me to file dispute on my behalf. However, what XXXX did has a negative impact to worsen my already stiff financial situation. Whether or not my credit score will be fixed, I never back away from holding responsible for their own wrong doing and for keeping open a closed account and reporting me falsely and claiming unfairly that I owe them debts. 

Happy holidays! 

XXXX XXXX XXXX XXXX, IN
Product: Credit card or prepaid card

Ive bought 3 painting from park west gallery XX/XX/XXXX XXXX.they finance it on MySynchrony park west card. At the moment the garantee that no interest or fee will be charge. Back to XXXX, i tried to make the XXXX $ tranfert to clear the card. The wont recognise my bank info so i cant transert the money, ive try 4 time ( with the XXXX banking code given by my bank ) between the XXXX and XXXX of XXXX. In XXXX i send a check of XXXX $ can by mail they refuse it ( banking info error ) i send one printed by the bank in XX/XX/XXXX same amout, they refuse it for the same reason. I offer them to pay with a credit card master or visa, they refuse. Now they are chargin me over XXXX $ and counting in late fees ... 

I dont know howto resolve this cul de sac but i need help Thank you
Product: Credit card

I purchased a XXXX XXXX XXXX XXXX XXXX. I used the XXXX XXXX financing at 0.00 % APR, $ XXXX for 36 months. Instead, Synhrony Bank  stated that I owed a minimum payment of over {$1000.00}. Rather than splitting the payments, an error on their backend ( which they admitted to ) caused this issue. 

I called, they said that they will resolve the issue, and that they put a note on the account. I checked back a couple days later and did not see any update to statement. I called, and they confirmed that I WILL NOT be charged the full amount. They also confirmed that there was a note on my account. I told them to escalate the issue and to put another note on my account. They said that it will take two billing cycles for this change to reflect, and I will NOT be charged interest or any penalties for paying less than what is shown to me as the minimum payment. 

Today, I was charged for a full {$1100.00}. I called back and the customer support representative, and they provided no reasonable solution or recourse. 

They withdrew this money from my checking account without my approval or permission. I did not authorize this transaction, and I only agreed to an auto-pay of {$50.00} each month. That was the ONLY auto-pay I had enrolled in. Instead they withdrew the full amount without my permission, they refused to correct the minimum payment, as agreed to.
Product: Money transfer, virtual currency, or money service

My disbursement from XXXX XXXX goes to bank mobile they sent it to Venmo. Venmo says they can't find it anywhere in there system XX/XX/ {$910.00} student loan I have to pay back. Bank mobile gave me tracking number to send to Venmo special team says it's not in there system bank mobile tells me they can see it went to Venmo
Product: Checking or savings account

I worked for XXXX and got a new job working for XXXX. Wisely told me to upgrade my card when I switched. My first payroll deposit from XXXX was supposed to deposit and its been a week, zero funds have been deposited, they owe my my payroll deposit thats completely missing for around {$230.00}. They stole money from a minor. I need my payroll deposit returned to me thats now in limbo? You cant ever get ahold of a live person, ever. Theres no one to talk to and no customer service line whatsoever to talk to or help!!
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The XXXX credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX Balance : {$2400.00} late open XXXX XXXX Balance : {$710.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This was closed because it was not specific. I will make it specific. 

XXXX XXXX took over my account in XXXX. It was about XXXX XXXX XXXX. The XXXX year term ended in XX/XX/XXXX XXXX in other words, all payments were made at that time. HOWEVER- even though the contracted payments were all made, they still claim I owe XXXX of what I started with after XXXX yrs of payments. In XXXX of XXXX I was selling the property and trying to get a payoff from them. I didn't pay because the payments were all made. Why should I make payments on a mature loan? 

They reported me late XXXX  -- you verify it and it comes back in a day. I want specifics. It is incorrect. Further its a cares act violation. I was involved in a forbearance and it was current so its illegal for them to report it late. 

All credit reporting and letters are forwarded to XXXX. how can someone in XXXX determine the laws of the US for credit reporting? they just send the same documents and do not do anything -- but you accept them and do nothing to verify and that is why this complaint is coming to you. 

XXXX XXXX I will be pursuing this- trust me.
Product: Debt collection

Awhile back I made a dispute for Dynamic Legal Recovery dab of XXXX XXXX. 
I gave them the supporting documentation to prove my case and that the information reported is incorrect. How can I have this issued resolved and my record cleared. How can I have this issued resolved and my record cleared because it continues to hinder my future employment with the Federal Government. I transitioned out of the XXXX back in XXXX  from XXXX and currently reside in Texas.