23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard inquires I have no knowledge of as I did not authorize / apply for any of the following : XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX XXXX XX/XX/2020 XXXX XXXX, XXXX XXXX XXXXXXXXXXXX
Product: Mortgage

I represent a company by the name of XXXX. in XXXX Ca XXXX. We just received an email from Flagstar Bank in XXXX Michigan with the following message. 
Dear XXXX, Flagstar Bank has conducted a Management Review of your status as an eligible Escrow Agent. Based upon our analysis, we have made a business decision to exclude your company from our eligible list. 

It is Flagstar 's policy not to discuss the basis for its decisions. 


Thank you Flagstar XXXX Support Specialist-Funding XXXX MI XXXX All settlement agent approval docs and questions send to XXXX Call funding support assistance at XXXX, follow the prompts We are a very reputable company and we work closely with buyers and sellers in California. For a lender such as Flagstar Bank to force us to cancel an escrow that we have already completed XXXX % of the work needed is unconscionable. For the benefit of the buyer and seller on this transaction, we will cancel this escrow so they can close with another company, but this act by Flagstar Bank will damage future business. At the very least we should know why they so we have an opportunity to correct any issues, Thank You
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverified accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Mortgage

This is the third complaint I have filed against Amerihome Mortgage. 

The two previous complains are : XXXX XXXX A summary of the previous problem : Amerihome mortgage did not renew our insurance policy and let it lapse due to internal error. They did not notice for well over a year when I brought the issue to their attention. After my CFPB complaints, their remedy was to place back insurance on our account at no cost to us ( because we had a gap in insurance history which made us uninsurable ) and to apply new insurance on our home of equal value moving forward. They would find insurance OF EQUAL VALUE to apply to our home, and cover any additional costs over our original premium. 

The new problem : Once again, Amerihome Mortgage did not act in good faith. They have been dishonest throughout this entire experience. The new insurance claim that they bought for our home ( which we had no say in ) was not of equal value to our insurance. In fact, they chose to add an optional rider to the policy to make it cheaper for themselves ( because they had to pay any amount over our original policy ). This optional rider makes it so that our insurance does not cover water damage from plumbing or appliance leaks. Our old policy DID cover water damage. This rider is OPTIONAL in my county. Amerihome decided to add it only to save themselves money over our safety. 

We were not asked about this rider, nor asked if we wanted it included in our policy. Because of their promises, we thought we were getting the exact same level of insurance we purchased previously. 

Well, our AC or Slab now has a leak, and has caused tens of thousands of dollars worth of damage to our floors and baseboards. Because of Amerihome 's decision to skirt the CFPB 's ruling, we are not covered to have any of this damage replaced and must now pay out of pocket for the repairs. We do not have the money to do this, and the mold/bacteria is getting worse every day. It will be MUCH worse after we loose power from Hurricane Dorian and will not have AC to cool the home for an undetermined amount of time. My family will have health issues from this problem. 

How many times must Amerihome step on our necks before full reparations are made and they are held accountable?
Product: Credit card or prepaid card

Last month I contacted USAA to change the delivery method of my credit card statement from paperless to paper statements due to the bank cancelling my membership and locking me out of my account since XX/XX/XXXX. I was not able to make a payment on the charged off credit card since XX/XX/XXXX and I still have not received a paper statement from USAA to make a payment on the credit card bill. There are three options for me to make a payment either through phone, online, or mail. I am not making a payment by phone or online due to USAA cancelling my membership and locking me out of the moble app for over a month and half therefore, I requested to receive a paper statement since last month and I have not received the statement to make a payment. I do not trust USAA with my current banking information due to their constant harassment and white supremacist acts of withholding and doing what they want to do with the money I earn by going to work since the year of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXXXXXX acct # 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: Checking or savings account

I recibe a XXXX diferent email Friday @ XXXX XXXX  Saturday @ XXXX XXXX  Sunday @ XXXXXXXX XXXX Someone open acaunt w out my consent in citizen bank
Product: Debt collection

Just popped up on my credit report. Nothing has come in the mail no identify information
Product: Credit reporting, credit repair services, or other personal consumer reports

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 did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.
Product: Mortgage

Veteran was declared 100 % XXXX and the City treasures office returned personal property tax to LoanDepot to be returned to me. I have been trying since XXXX to get back money which is owed me. Instead of paying me the full amount they have been sending me amounts less than and making excuses about the money returned being lost ect. I said I was going to file a complaint with CFPB if I had not recieved my money by XXXX XXXX They said they sent me a check dated XXXX XXXX  XXXX which I have not seen as of XXXX XXXX XXXX. Based on past history of lies and deceit from this company I feel their word is no good. Original letter for real estate tax exemption sent to LoanDepot on XXXXXX/XX/2021. City treasures issued check back to them on XXXXXX/XX/2021. Check was deposited by them on XXXXXX/XX/2021. I have had to repeatedly call them in hope of getting my money
Product: Debt collection

Hello, I got call saying you have no responded this means you have waived your right and tomorrow XX/XX/XXXX this will be turned over. Either you or your attorney call l me sometime today so we can have your statement on file. I called back left a message I said i'm not trying to dodge the debt. I couldn't pay because loss a job. we emailed each other. I said I'd like to negotiate a settlement. He said no I can not accept the terms. I said I can pay XXXX per month. I'd also like something in writing due to the fact I never got anything in writing from them before regarding this. I never heard back again I followed up by email no response. But i'm getting calls at home and on my cell telling me this is our fourth call to you we are going to sue you have until 5 today to call us. I emailed XXXX XXXX to let him know i'm still getting these calls no response. The amount is {$1000.00}
Product: Credit reporting or other personal consumer reports

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. 
I demand the following accounts be verified or removed immediately. 

ACCOUNT- XXXX  XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX ( XXXX ) XXXX {$26000.00} balance from XX/XX/XXXX Account closed XX/XX/XXXX 2023
Product: Credit card or prepaid card

Background : I purchased airline tickets on XXXX XXXX ( XXXX airline ) in XX/XX/XXXX. In XX/XX/XXXX, the flight was cancelled by the airline due to COVID-19. I contacted the airline promptly to get my refund, they said OK but it could be up to 90 days. I checked in with them periodically over the coming months. 

On XX/XX/XXXX ( 90 days + a grace period ), I submitted a dispute to Bank of America ( the credit card company for the transaction ). The dispute number is XXXX. They sent me a document request, which I submitted on XX/XX/XXXX. 

I have called them and the airline many more times since XXXX to get updates on the status. The airline keeps saying " just a few more weeks '' and Bank of America keeps saying " it's under review still ''. 

Today, when I checked my bank account, the claim was no longer listed so I called Bank of America. When I finally spoke with Bank of America 's Merchant Response Department, they noted the claim was still under review and could still be a few months away. The woman I spoke with noted that I had provided considerable supporting documentation for the dispute ( e.g. emails, screenshots, phone logs ) but would not provide any additional information to me on status, timing, or their review process when I asked.
Product: Mortgage

This all began when I received notification my escrow account had a shortage of {$1800.00} at the very end of XXXX or the first few days in XXXX of XXXX. To resolve the shortage I paid {$1800.00} on XX/XX/XXXX. 

I was shocked to find that my insurance from XXXX had increased to {$3800.00}. To manage the increase I called my insurance broker and obtained insurance from XXXX XXXX XXXX for a total of {$2500.00}. 

This is a difference of {$1200.00}. I would expect this amount to be sent back to me with the understanding that the remaining XXXX likely being needed to cover an increase in taxes. 

I wish it were this simple and I would have received a check for the XXXX. 

Even though I called before the policy renewal, PNC paid XXXX the {$3800.00} PNC double paid XXXX XXXX XXXX the amount of {$2500.00} for a total of {$5100.00} After multiple follow ups and direct calls to the insurance, I was able to get the XXXX back and paid to PNC mortgage as well as the extra payment to XXXX XXXX XXXX  for XXXX. 

As of today I received an escrow analysis informing me I am still XXXX cents short. My payment is due XX/XX/XXXX. I have diligently followed up, called the insurance companies, and put my own capital into trying to resolve this issue to prevent fees and impact to my XXXX. 

I am in need of the overage amount to pay other bills. I have spent hours since XXXX trying to get this resolved and nothing has happened. If I hadnt taken action PNC would be fining me and reporting to the XXXX as well as taking excessive amounts to make my monthly payment potentially overdrawing my checking account. 

Theres a clear incompetence, control breakdowns, and calculation issues in their escrow program. 

I have been working with XXXX XXXX from Executive Client Relations and have not received resolution or answers to why I have had to pay so much to my escrow after the initial payment in XXXX as well as reducing my home owners insurance cost.
Product: Credit card

ive been getting charged over XXXX dollars in interest from capital one in the past year and its making me unable to pay off my debt. putting me in more debt. 

XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
Product: Money transfer, virtual currency, or money service

PayPal holding funds after the 180 days are up. I tried to transfer money to my bank, after I tried it said ( Theres an issue with your account ) which I do know because they have also said Your account access is limited and You can't use PayPal anymore. But it also say ( Any money in your balance will be held for 180 days, after which well send you an email with instructions about transferring your money. ) which the incident happen in XX/XX/2021 it is now XX/XX/2021 Ive waited longer than 180 days and still no email saying I can get my money back or transfer it to my bank. Its been 182 days about to be 183 days
Product: Checking or savings account

I would like all the overdraft fees reimbursed for the last 24 months.
Product: Checking or savings account

Chase bank has erroneously and fraudulently signed me up for payroll services in my checking account without my knowledge or consent. I have complained the business and they have refused to do an audit and refund me all the fees due. These fees range from $ XXXX {$25.00} a month and I have no clear understanding of what they're charging and why. I have contacted the bank and they are totally unhelpful!
Product: Credit reporting, credit repair services, or other personal consumer reports

this is for COMENITYCB/ZALES credit department In accordance with the fair credit reporting act XXXX  Account number XXXX, COMENITYCB/ZALES has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax, XXXX  and XXXX  have violated my rights by reporting this incorrect account that don't belong on my credit report. I have written these companies 3 times and I haven't seen or received any updates. This is unfair that I have to deal with this matter. AND THEY WONT RESOLVE THIS ISSUE.
Product: Debt collection

SOUTHERN MANAGEMENT SYSTEMS IS REPORTING FALSE INFORMATION ON MY CREDIT REPORT! REMOVE ALL NEGATIVE ITEMS ON CREDIT REPORT.
Product: Credit card or prepaid card

I was shopping on Southwest Airlines website for an airline ticket. As I was about to purchase the ticket an offer showed XXXX $ off the ticket price with a new line of credit. I applied and was approved and made my purchase. Now after having made the purchase and making my first payment Chase is saying that the offer is not linked to my account. I printed all the information that was on the webpage as I always do when I apply for anything online. I believe chase is defrauding people to open new lines of credit and then not honoring the promotions that they offer to get you to sign up. ( Paper work attached )
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX attempted to receive annual credit report from TransUnion. I was charged {$29.00} for this ( can't remember if I even got the report at the end. Just remember getting frustrated at one point. ) However, was also charged a {$19.00} recurring fee that I didn't notice until XX/XX/XXXX. Apparently this was their credit monitoring service. However, I never received any E-Mails regarding credit monitoring or receipts. I applied for multiple credit cards and a mortgage during this time and received no notification from TransUnion. I only started receiving notifications once I called to cancel the service and was denied a refund despite never having the intention of buying the service. Total I ended up paying was {$150.00} not including the {$29.00} charge. This is a dishonest practice by TransUnion and I will never be doing business with them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Three payments of {$840.00} were received by Sears in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in settlement of account ; Sears agreed to report status of account as " unrated '' to credit repositories. Credit dispute was filed with XXXX and was confirmed on XX/XX/XXXX. 

Letter citing " Pre-Legal Notification '' sent by debt collector, XX/XX/XXXX. Response made even date citing account resolution.
Product: Credit reporting or other personal consumer reports

I like to request the removal of multiple unlawful hard credit inquiries from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiries. The following is a list of the unauthorized inquiries. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I work between the hours of XXXX. During which time, I am not allowed to take personal calls unless it is for my young daughter that is in childcare. Due to this, I have to answer all unknown calls in case of emergency. I requested 4 times in 1 week that they do not try to contact me between them hours. I continue to receive calls which start out as " My name, are you at work right now? '' Which proved to me that they are continuing to make calls to me knowing that I am at work, even having some fun with it. I asked to speak with a manager, which was met with 3 attempts at just telling me they will take my number off the call list instead of allowing me to speak with the manager. When I finally got ahold of the manager, he was no help.
Product: Credit reporting or other personal consumer reports

PEASE REMOVE UNAUTHORIZED FRAUDULENT INQUIRIES TRANSUNION UNAUTHORIZED FRAUDULENT INQUIRIES : XXXXXXXX XXXX  SERVICES XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX UNAUTHORIZED FRAUDULENT INQUIRIES : XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the unauthorized furnishing of my personal credit information by your company. According to my recent credit report, there are entries that I did not authorize and which I know are in violation of my rights under the Fair Credit Reporting Act ( FCRA ). This is the XXXX letter and dispute I have sent to this COMPANY along with my police report, FTC report, and supporting identity documents verifying my identity. I indicated in all my letters and police report that I am indeed a victim of identity theft, and this creditor is violating my consumer rights and not protecting me as an American consumer according to the stated laws. This is my XXXX notice to this company notifying you guys that this listed account is fraud. My information isnt protected, and this credit bureau and company isnt honoring my identity theft claim. My XXXX notice of litigation will be a lawsuit suing this company, this company did not honor my rights or acknowledge my supporting documents regarding identity theft. This account was open illegally and fraudulently and Ive proven this matter and will prove it in court without a doubt, Im going to sue for my rights being violated, pain and suffering, false allegations from this creditor, and assisting to furnish a wrong, and fraudulent account. I demand this account be removed ASAP.
Product: Credit reporting or other personal consumer reports

XXXX XXXX World finance corporation Both items were unauthorized and by law they need my permission to put thing on my credit report!! According to FCRA section 605b, it is illegal to report information on my credit report without my permission thank you!!
Product: Student loan

My account is currently closed with EdFinancial because of the requirement by XXXX to change to a qualifying loan with XXXX. However, Ed Financial 's automated phones system requires that you enter in a social security or account number in order to proceed to talk with a customer service representative. If your account is closed, then you are NOT able to speak with a representative over the phone because the system will not connect you because the social security or account number is not recognized. 

I had to jump through a ton of hoops and spent hours trying to find ways to connect with a representative. I finally was able to connect with a rep on XX/XX/XXXX. I requested a historical accounting of my accounts because XXXX has denied my PSLF because my qualifying payments were not recorded. 

Ed financial said it would take several months just to receive an accounting. As a consumer I have a right to receive an accounting of my account within a reasonable time period. Several months, because " you are backed up '' is unacceptable. If I go into a bank and the bank says they can't give me my money because they are flooded with requests and because they have not appropriately hired enough people and thus it will take several months is just plain ridiculous. The lender is not fulfilling their responsibilities to the consumer... the financial institution has fiscal duties to provide services within a reasonable time period. 

Second, I requested to speak to a Supervisor. There is no escalation path for consumers. You are not allowed to speak with a supervisor. They will not connect you with one. They require you to submit a request and one will supposedly call you later. I never received a call back from Ed financial. 

Today I chatted with ed financial on XX/XX/XXXX because I was unable to reach a representative by phone. I was told by the representative that it would take XXXX business days to receive an accounting. When I told them I needed an accounting, they said that I needed to receive that from XXXX. But XXXX says they don't have records of my payments. I also have complaints about XXXX but that is another story. It seems that each financial institution just wants to point the finger at each other and no one wants to take accountability.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive been a victim of identity theft and the credit bureaus keep reporting inaccurate information and its affecting my life tremendously. Ive reached out multiple time to XXXX and they arent fixing my situation its never ending its stressing me out completely. Ive also explained how XXXX XXXX has played a part in this situation and they havent updated. The accounts that need to be removed are XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX