23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX flood insurance quote was obtained from XXXX XXXX with XXXX XXXX XXXX This was at the request of RP Funding due to our shed being in a flood zone. Therefore, an escrow account could be established for the expense on the refinance loan. 

XXXX email between RP Funding Fulfillment Team, XXXX and XXXX XXXX at XXXX XXXX XXXX. It was determined a flood insurance policy was not needed due to the shed not being in a flood zone. Therefore, the policy that was started was cancelled before any funds could be placed into our escrow account. 

XXXX XXXX XXXX XXXX Notice was received by mail from RP Funding. It stated we do not have proof of coverage or the current coverage we have on record has expired. We require proof of coverage from XXXX forward. 

XXXX I contacted RP Funding. They told me exactly what the letter had stated. I needed to provide proof of insurance. I tried to explain what had happened in XXXX with the escrow account and it being established by the XXXX XXXX XXXX that Flood Insurance was not needed. 

XXXX I contacted XXXX XXXX about the audit and she sent me the emails that occurred on XXXX. Several documents were sent by FAX by XXXX XXXX at XXXX XXXX XXXX to the Flood Insurance Department to provide support to my not having insurance XXXX Another letter was received and was a duplicate of the first letter. Proof of insurance was still needed and if we could not provide proof that insurance was to be obtained at our expense. 

XXXX Sent formal letter with complete facts about this situation by FAX to the Flood Insurance Department. XXXX XXXX with Guided Insurance assisted me in getting a flood insurance quote sent to RP Funding. Both of us sent the information by FAX. 

XXXX Called RP Funding and was informed that insurance quotes are not accepted and would need copies of insurance policy when issued. I immediately called XXXX XXXX and had him bind the quote and sent the policy to RP Funding by FAX. Since there is a waiting period of five days the policy went into effect XXXX. The cost for the annual policy was {$820.00}. 

XXXX Several attempts were made by phone to find out if the insurance paperwork was received but no one was able to tell me anything for certain. I was however able to get the direct phone number to the Flood Insurance Audit Department. I was informed that the Fulfillment Team made an error in the determination of the flood designation for the shed. According to their records, it is in a flood zone and we would still be required to provide proof of insurance from XXXX to XXXX regardless of their mistake. 

XXXX RP Funding purchased the flood insurance and was posted to our escrow account for {$2400.00} XXXX Flood Policy Notice came in the mail along with the Notice of Insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I gave information to the company to process a dispute. The information to verify my identity was read off a credit card billing statement. The system did not verify the information correctly and my dispute has been placed on hold. They want me to send a copy of my social security card which I will not do. This is a problem created by an Equifax representative who incorrectly input a number or card company name AFTER I READ THE NAME OF THE CREDITOR AND THE PAYMENT AMOUNT OFF OF THE PAPER STATEMENT. 

Correct this.
Product: Credit card

This account was opened fraudulently and the individual who opened it has been aprehended ; I have never conducted business with First Progress. I have already filed police reports with both XXXX XXXX and XXXX XXXX. Additionally, I have documented multiple inaccuracies being reported on my credit. In response to my complaint to the CFPB, I received even more inaccurate and mixed information from First Progress. Therefore, I demand that this account be removed from my report, rather than simply being updated. One letter says the card had 1 payment made, the other letter states the card had 0 payments. There investigation has been completed and they are still giving incorrect information. For that reason i want this account deleted. 

In my police report is also an incident report from the restaurant in which my identity was being used. It is very clear to see the XXXX man posing as me with my license and social security card which he has used for years now. I never personally signed for any card with this company and under the FCA i want a legit investigation done and proof sent or i want it removed.
Product: Credit reporting or other personal consumer reports

Dear Experian I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 

1. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX  Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. Code 1681i - Procedure in case of disputed accuracy XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current XXXX there is some inaccurate information reporting. 
XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 

5. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

6. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXXXXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 7. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXXXXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

8. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

9. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Student loan

I was on a repayment plan for a year making payments of {$280.00}, I called XX/XX/XXXX and they said i did not have to make a payment until XX/XX/XXXX, witch I did ; however, i ask if could do another repayment plan and they said yes, when I called today XX/XX/2016 an spoke with the XXXX representative ( they kept on transferring the call ) she stated i have to have my mom call back and also do I financial statement I asked why because i never had to do that and she said that now they do, my mom only speaks Spanish and even though they do have XXXX speakers ; however, i explained to her that it was already enough of an inconvenience with all this crazy payments that i ca n't afford i told them i am a XXXX mom and also have federal payments and they did n't even acknowledge my situation I ask to speak with a supervisor because i did n't like how she was talking to me, the Supervisor XXXX ID # XXXX phone # XXXX also did n't acknowledge ( horrible, insensible customer service ) and told me that now we have to do the financial statement for the cosigner, once again i told her that i am willing to paid but i do n't want my mother to go through this hassle she is old, have XXXX, and i ask to please send me their legal information stating what their new rules are for repayments and she refused. XXXX told me that they do n't have to give me any payment plan basically if they do n't want to they do n't have to and that they are just willing to do a 2nd one ( when in fact i have had always payment plans ) because they are a private company, she also told me that was the only payment plan available for me and no way to go around it, she also said that she could NOT send me their legal rules an regulations because they are a private lending, again i told XXXX that i know they can because that 's a right i have to know what are their guidelines for payments. She said she was going to send me the promissory note ( the only document she could send me ) by mail as soon as i mentioned cfpb. I just ca n't believed that they do n't have any options to work with us that are struggling with this payment she acted like she did n't care at all and in fact she did. When they took the verbal confirmation from my mom by me translating to her so she could be a co-signer and now they are telling me she has to call and do this?? Once again i am willing to make the payments and even the financial statement with my mom, i just think that this is not right whatsoever and they should have more payment options available, how can that be possible? that 's the only one, please help me i am desperate I do n't know what to do anymore with all this payments I need a solution because the only reason i am doing this is so my mom credit score do n't get damaged thats all she a decent credit, because these students loans are taking half of my paycheck a month. 
Thank you for any assistance and any help I can get in advance.
Product: Debt collection

XX/XX/18 - ERC manganger XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX Repeated calls trying to collect debt from a XXXX XXXX with a different SS #. 

My name is XXXX XXXX XXXX with a different SS # and different birthdate. 

Has been going on for years calling my cell phones ( XXXX ) XXXX, ( XXXX ) XXXX and the home phone ( XXXX ) XXXX
Product: Credit reporting

I am a victim of identity theft and someone stole my personal information and identity to open up unauthorized and fraudulent accounts in my name. The following accounts listed on my Equifax credit report do not belong to me : XXXX XXXX XXXX XXXX XXXX. # : 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

Hunter Warfield continues to make repeated calls asking for someone who does not live at my residence. They have been told that that person does not live here but they continue to call and leave messages. I have tried calling them to speak to someone but no one answers.
Product: Debt collection

I opened an account with TD Bank Credit Services while purchasing furniture at Ramour & Flanagan in XXXX, CT. The purpose of opening the account was based on the zero percent financing for 12 months. Shortly after opening the account, I attempted to set up automatic payment from my checking account. On at least 4 occasions, I received an email confirming my account was setup for direct payment, however on all 4 occasions, I received a letter in the mail days later stating that my account was rejected. There was no reason provided as to why this was happening. I tried to resolve this multiple times with no solution. What is most puzzling is that I have a separate account for a purchase made from another furniture retailer and have had no such problem. 

After multiple attempts to resolve this, I called the customer service number and paid the account balance off and receive a confirmation number for the final transaction. Approximately 2 weeks later, I received a letter from TD Credit Services notifying me the account balance had been fully paid and the account was closed. A couple of weeks after receiving the letter, I received a statement from TD Bank Credit Services stating that I had a remaining balance of {$35.00}. I did not the pay the balance initially as I received notification that the account was paid in full and closed. 

The following month, I received another invoice for the same {$35.00} charge. I went to my online account to pay the {$35.00} figuring something must have been outstanding. The TD online account took my payment, and then 3 days later rejected my payment. When I finally reached someone to try and resolve the issue, I was told the {$35.00} was for a returned payment, I stated that TD sent me the invoice for the {$35.00} charge. 

I have since contacted TD Bank Credit Services online to try and resolve the issue. I sent all documentation showing the confirmation of the closed account as well as the confirmation number for the balance being paid in full. On XX/XX/24 I received a notice from TD Bank Credit Services stating the payment was due. There was no phone number or email to contact to dispute the ruling. On XX/XX/24 I received a statement now with an amount due of {$210.00}. 

In summary, there is no way to resolve this as TD Bank Credit Services is rejecting my payments from a valid bank account and is fraudulently charging interest on an account that is closed. In addition. XXXX action has been recorded without any possibility to resolve. 

Any help to resolve this matter would be greatly appreciated. 

Thanks, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to follow up regarding their persistent failure to remove fraudulent items from my credit report. Despite my repeated attempts to resolve these issues, totaling 19 separate requests, the credit bureau/institution has not taken the necessary actions to remove the fraudulent entries. I have provided extensive documentation to support my claims, including an FTC Identity Theft Report, police reports, and correspondence from creditors confirming that these entries are fraudulent. Despite providing evidence that these accounts were fraudulently opened, they remain incorrectly reported on my credit report. I trust that that you will take swift and decisive action to resolve this matter. I have enclosed copies of all correspondence and documentation related to my disputes for your review. The following items should be remove as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On or around the week of XX/XX/XXXX we received two phone calls from Raymour and Flanigan XXXX stating our furniture would be delivered to XXXX XXXX XXXX, XXXX, PA. We called the number left on the voice message and told them we did not purchase any furniture and certainly not to that address. They stated, Ok, we must have had the wrong number. 

I logged into my TD bank ( Raymour and Flanigan ) account on Sunday the XXXX and found two charges one dated XX/XX/XXXX in the amount of XXXX and one dated XX/XX/XXXX in the amount of XXXX. 

I immediately called TD bank and alerted them to the fraudulent charges. They placed the charged in dispute. I also called Raymour and Flanagan 's fraud department, spoke to a man named XXXX, who confirmed that the orders were placed online at the XXXX store and the buyers were supposed to come in an confirm identity. He also confirmed the above delivery address. He was supposed to check the store camera 's to see who the people were. He opened fraud case and assigned a case #. 

TD bank sent me a letter dated XX/XX/XXXX confirming my dispute. They sent a letter again on XX/XX/XXXX confirming the above amounts were in dispute. They sent me a letter on XX/XX/XXXX stating a credit would be placed on my account for the full amount. 

XX/XX/XXXX I get a invoice directly from Raymour and Flanigan with a new account number which I did not authorize with two identical lines items listed as " balance transfers '', totally ignoring my original dispute and their own case #.
Product: Debt collection

I am writing this letter due to the actions that XXXX XXXX XXXX XXXX XXXX has taken that have completely disregarded my rights under the FCRA, and FDCPA in which they have a legal duty to comply to. 

I have recently sent them another letter on XX/XX/2022 after carefully scrutinizing my credit report. They have failed to validate a debt at my request, which is a FDCPA violation and they continued to report a disputed debt to the Credit Bureaus : another FCRA violation. 

It is incumbent upon them under the law they prove that they have the legal right to collect this debt from me, and that they are allowed to do so in the state of North Carolina. What they have provided me with is a statement with the original creditors details, as well as information stating that they are attempting to collect a debt that XXXX XXXXXXXX XXXX  is also claiming that I owe to them as well. This is not a validation of debt letter containing a contract bearing my personal wet signature as proof that I hold this contract with their company or with XXXX XXXX, XXXX. 

They are using unfair and deceptive practices in order to collect a debt for which I did not have a contractual obligation with XXXX XXXX XXXX XXXX XXXX, and that they have purchased from the original creditor. 

For the above reasons, I have decided to file a complaint with Consumer Financial Protection Bureau for the immediate removal of this inaccurate information from my credit report. 
Sincerely yours, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Subject : Dispute of Credit Report Information Under 15 USC 1681 Dear Sir/Madam, I am writing to formally dispute the accuracy of information contained in my credit report as provided by [ Credit Bureau Name ] . According to my recent credit report, there is an account listed under the name XXXX with the account number XXXX. 

Upon reviewing this information, I must bring to your attention that I have not provided written consent to either furnish or obtain information regarding this account. As per the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically under 15 USC 1681, it is imperative that any information reported on a consumers credit file be obtained with the express written consent of the consumer. 

Since I have not provided such consent, I request that [ Credit Bureau Name ] investigate this matter thoroughly and promptly remove the disputed account from my credit report. Additionally, I would appreciate receiving written notification of the actions taken as a result of this dispute, in accordance with my rights under the FCRA.

Please consider this letter as a formal request for investigation and remediation of the inaccurate information on my credit report. I expect prompt attention to this matter, as required by federal law. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

IN accordance with the fair credit reporting act jefferson capital system acct # XXXX has violated my rights. 


15 U.S.C. 1681 SECTION 602 A STATES I HA VE A 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: Debt collection

XXXX/Nelnet is reporting XXXX XXXX + late payment accounts to XXXX, XXXX, XXXX. The dates they are claiming I owe for is XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX. I was in XXXX school during some of the above mentioned dates and I graduated in XXXX, for the remaining dates I was in XXXX XXXX so no loan payments were due during those dates. My loans have always been in deferment. I have called several times and also have sent them a letter asking them to update the incorrect information they are reporting which is damaging my credit and and credit score but to this they still have not updated the information or provided any proof that the payments were past due or even owed.
Product: Checking or savings account

My RobinHood account ( same email as this CFPB complaint ) has been active since XXXX. 

Earlier in XXXX of last year RobinHood offered me a high yield saving account with competitive APY terms + cash bonuses to hold money in the brokerage account. Since last XXXX, I have deposited about {$65000.00} into this account. 

I have been trying to withdraw funds from this account for the last XXXX months, however every time I try and withdraw funds from this brokerage account, RobinHood insists on identity verification for XXXX purposes. 

To verify my identity, I have submitted both my XXXX Passport as well as my XXXX Drivers License to the company multiple times, however every time I try and verify my identity RobinHood says that there was an issue and that I can not move forward.

After some research RobinHood suggested to me that the reason my identity can not be verified might be due to the fact that the name registered to my account is not my legal name, it is my nickname ( XXXX ) that I've been using since I moved to the XXXX over XXXX years ago. I have attempted to use the RobinHood support bot XXXX different times to change my name however they provide absolutely XXXX communication about the status of the name change. I can not verify the exact dates these requests were made since RobinHood does not have dates on their supoort chat logs, only how many days/weeks its been since the chats have closed. 

I escalated the issue and was able to talk to a person at RobinHood Support over the phone today ( XX/XX/XXXX ), and he said that he would escalate the issue even further and send me email correspondence alerting me to the status of name change/withdrawal but I have not received anything in the mail. They stated that I should see some kind of response within XXXX business days, but it's been almost XXXX weeks since I sent the request and I am not seeing any sort of communication. It seems RobinHood is entirely uninterested in helping me withdraw my money from my account by verifying my identity, and is more than happy to hold my funds hostage while they repeatedly deny any attempt to withdraw funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting lots of inaccuracies in my report. I have been sending letters to since XXXX Experian - 1st Letter XX/XX/XXXX - 2nd Letter XX/XX/XXXX - 3rd Letter XX/XX/XXXX It is over 120Days and no response or report of investigation, i believe nothing has been done about it This is absolutely not acceptable. The report has caused me great distress and XXXX. 
According to the FRCA Law, Section 611 ( a ) ( 1 ) ( A ) of FRCA that clearly states that a failure to investigate and report any disputed inaccuracies or error within 30days it gives a reason to immediately remove those items from my credit report. it has been over 90days, so they should be deleted immediately.
Product: Mortgage

I received a voice mail from Mr. Cooper with the actual customer support number of Mr. Cooper, phone number, XXXX. The voice mail stated " This is Mr. Cooper your home loan company calling about your property at " XXXX XXXX ''. Please call us at XXXX. You will be asked to enter personal message code XXXX. Thank you from Mr. Cooper, we are a debt collector. '' I was suspicious of this message because I have two mortgages from separate companies and the street address mentioned is not a mortgage held at Mr. Cooper 's.

My complaint begins when attempting to contact Mr. Cooper 's about this fraud. Although they state on their site that you can file a complaint, there is not a way to file a written complaint. I spent over a half-hour trying to navigate a phone tree to file this complaint about a fraud. I finally spoke to a customer service agent who took my information and told me that they would leave a note in my account that this occurred. I am complaining because I want written verification about this incident because of the data breach that occurred last year- I'm concerned that my accounts are being targeted. I think Mr. Cooper should make it easier to speak directly to a customer agent regarding fraud and they should give written confirmation to their customers.