23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

To whom it may concern at CFPB, ( please attach to last complaint of XX/XX/XXXX ) Bank of America is now stating that they need 60 more days to respond, on top of the first 30 days? These questions are very simple : 1 ) Why did the XXXX separateflood and hazard dwelling values show {$10000.00} differences for yearswith no change but after the hurricane the flood premium increased and then years later after thatthe hazard premium decreased? Where is the information or documentation supporting these changes coming from? 2 ) How are these changesof growing differences ( on our bankforced mandatory policies ) of dwelling values affecting our New York Rising grants for repair and elevationwhere the true value of the dwelling is beingscrutinized continuously after the storm, and why has our grant determination held continuously at the hazard premium 's dwelling value level ( the lesser value of the XXXX premiums ) when it should be more in-line with the flood premium 's dwelling value ( because the damage was flood related, not fire related )? 3 ) Why did the hazard dwelling value change for XX/XX/XXXX and not change back in XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, whichfollowed the first years after the hurricane damage, and caused us great distress at the higher premium fees, while trying to survive in a damaged home? 4 ) Why is the telephone number at the bottom ofour bankforcedhazard insurance declaration page answered by a Bank of America employee and not get answered by the company holding the hazard insurance policy? 5 ) Why was Bank of America able to change insurance companies for us while the home is still with damages when every insurance company we spoke to in hopes of getting a lower policy told us we could not change companies/policies until the damage is fully repaired? 6 ) If Bank of America truly wanted to assist this homeowner with regaining a healthy, elevated home that would decrease their mandatory policy premiumsplaced onus, then why do they refuse to endorse our FEMA Review damages check? Where does Bank of America get the power to decide our total losses - even the ones covered under their forced flood dwelling policythat arenon-attached items covered under the policy within the house and not part of the structure of the house? Who told them what was damaged? Where didBank of Americaget their info/data, total damages list from ( to the point where they think they have right to hold our damage repair check and hold up our progress? 7 ) Has Bank of America decided to repay us for offsite temporary residence rental feeswhile the house and projectsits in mid-state of project work until they decide to release and endorse the FEMA Review check? Do they understand our temporary residence rental fees are twice what our mortgage fee is every month? Are they purposefully determined to cause us to live on the street and lose our home too while they claim FEMA Reviewcheck sent to us? Do they even know what FEMA Review dollars represent? If they did, they would not have refused to endorse the FEMA Review check at their branch last week.
Product: Credit reporting or other personal consumer reports

I submitted this complaint to update this suspicious information. 3 Credit Bureaus must validate this account in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. 
XXXX XXXX XXXX Balance Owed : {$1000.00}
Product: Credit card

This complaint is a follow up to my complaint XXXX. The bank response is that I authorized charge. Can I please get a copy of that authorization with signature? I did not authorize a charge to not get anything in return.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C. 1681 c ( 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. 1681 s-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 or other personal consumer reports

IMPROPER, INACCURATE, FALSELY REPORTING DEROGATORY ITEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX I DEMAND THAT THESE DEROGATORY ITEMS ABOVE MENTIONED BE INVESTIGATED AND PERMANENTLY REMOVED FROM MY REPORT. I AM A VICTIM FROM TRANSUNION, XXXX, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX that someone had tried to open up a loan in my name using my credit report. The company also stated that they used my information to also open up a savings account in my name as well. Ive called USAA and they have frozen/ stopped the account and the inquiry and I also called XXXX and they took off the credit report from my account.
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX date opened XX/XX/XXXX bal. {$0.00}. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. This is Illegal the other bureaus already responded and removed these inaccurately reporting items.
Product: Credit card or prepaid card

XXXX credit card ( Comenity Bank ) merged w Bread Financial and since then have not received 3 payments of mine totally {$750.00}. 
I've called EIGHT times. 
They hang up n tell you to call back... even trying to close the card for fraud they won't allow it. 
My bank, XXXX XXXX XXXX did a search and has proof it was paid and even gv me a previous card # for them to check. 
They state they can not find 3 payments and are charging me interest. 
XX/XX/XXXX {$350.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$200.00}
Product: Vehicle loan or lease

I have sent documents, letters to support my dispute numerous times to credit bureau, and to the bank in regards of 30 days late in my credit report. I have called several times to the bank, and I was told to dispute with the bureaus. so I did. and I was told that the report was accurate.      XXXX   XXXX  , 2010 I   t  rade in a c ar to the dealership for another car that I can afford. I still owed the bank for the car I traded in. I found out later that the dealership did not sent the pay off to the bank after 30 days. it affected my score and was turn down for a loan and job. I had a third party involve, and helping me to have the item remove from my report. For a year in a half the company I paid for were sending dispute letters to the bank and to the bureaus. and I would receive a the same answer stating that what was reported is accurate. I had spoken to different employee from the bank pleading and explain what the dealership had done. and I keep being told to call the bureau. and when I called   XXXX   XXXX  , I was told to call the bank since it is the creditor who is reported to the bureau.
Product: Credit reporting or other personal consumer reports

I am sure you are aware that it is against the law to threaten suit without any intention of doing so. Therefore, be advised that I am extremely serious about filing suit against your company. I have sent numerous letters requesting for you to investigate and remove all inaccurate information that is being reported on my personal credit profile, yet you continue to fail to do so.

It is my understanding of the law that you MUST honor each and every request to investigate incorrect information and you seem to have ignored all of my previous requests. That is a crystal clear violation of the Fair Credit Reporting Act which provides a cause of action for an individual consumer as well as penalties and liabilities for both consumer reporting agencies and furnishers of information for non-compliance as violation of its provisions. 

XXXXXXXX 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

Transunion refused to delete these fraudulant inquiries. I have tried for months and months and the keep appearing. Can you please remove these from my file XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXXXXXX XX/XX/XXXXXX/XX/XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXXXXXX XXXX XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Debt collection

This debt was suppose to be paid by my insurance XXXX XXXX XXXX XXXX. This was a surgery that I had last year. Furthermore I recently obtained a copy of my credit report and you are currently reporting debt to my credit report and as allowed under the Fair Debt Collection Practices Act, I am requesting that you allow me to validate the alleged debt. Please provide me with a breakdown of all charges, dates of service and procedures given including fees associated. 

Additionally, I am allowed under the HIPAA law ( Health Insurance Portability and Accountability Act of 1996 ), to protect my privacy and medical records from third parties. I do not recall giving permission for ( XXXX XXXX XXXX ) to release my medical information to a third party I am aware that the HIPAA does allow for limited information about me but anything more is to only be revealed with the patients authorization, therefore my request is twofold and as follows ; Validation of Debt and HIPPA Authorization - Provide a copy of my signature with the provider of service to release my medical information to you I asked for this before and have not received anything. So I need this bill removed
Product: Credit reporting

The current balance for this account is NOT {$1500.00} as being reported by Equifax. The current balance on this account has been paid down to {$860.00}. It has not been updated in several months. In addition, this account is on a current payment arrangement and is being paid according to the terms of that arrangement. The statement dated XXXX XXXX, 2016 directly from the VA 's Debt Management Center shows the updated balance. This account should be updated to reflect the actual balance or removed from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I got a call from someone with an accent saying that I needed to give him money because someone had gotten into my XXXX account and I needed to fix it. I went to navy Federal credit union and the person on the phone walked me through transferring money from my money market account to my checking. He then had me wire {$15000.00} to someone in Florida. My wife found out and called the credit union that day and tried to put a stop on it. They said wire transfers were like cash but they would try to get it back. They called the receiving bank and I guess it was up to them if they were able to stop this transfer. We also made a police report. We talked to the people from Navy Fed up to last week and have not heard from them, I assume they couldn't get the money back. The man with the accent called me and my wife continuously for days trying to get us to give him some confirmation number that the wire had gone through, but we didn't give him anything
Product: Credit reporting, credit repair services, or other personal consumer reports

Capital One has reported an account delinquency on a paid off account. I owe no balance on the account since XX/XX/18. They originally ove rcredited the account giving me a surplus balance which was intended for another credit card, same company. Both numbers were listed on the check and both payment slips were included to correctly identify the amounts. 
On XX/XX/18 I realized they had made a mistake and called to have it corrected. The Capital One employee backed out the payment and once again credited the incorrect account. On XX/XX/18 I owed nothing in XXXX they reported a 30 day overdue payment for the original amount {$57.00} plus XXXX in interest. I have had this happen with Capital One over a 13 year relationship a number of times and so am currently calling in my payments separately for each account but they charge additional fees for that. 
On XX/XX/18, I called and they rectified and backdated the payment to reflect ALL 3 errors on the part of Capital One, and are sending me a letter with the specifics in the meantime I have a delinquency on my credit report and my score dropped about 20 points which could change my interest rates in other credit cards.
Product: Credit card

My bank citibank has refused to release XXXX that was only held for incidentals that XXXX per night at hotel I had stayed at and checked out many days ago should had funds released by now.. This is very damaging to my credit line as I need back as use this card for business travel
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Reporting act. The Lists of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXXXXXX XXXX XXXX Account name XXXX XXXX XXXX XXXX XXXX XXXX Account name : XXXX XXXX Account name : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section : 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 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

By the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15U.S.C 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and Progressive Account # 27 15 U.S.C. 1681 Section 602A states that I have the right to privacy. 

15 U.S.C .1681 Section 2 604A states a consumer reporting agency can not furnish an account without my written instructions. 

15 U.S.C. 1681c. Section ( a ) ( 5 ) states : No consumer reporting agency may make any consumer report containing any of the following items of information or any other adverse item of information other than records of convictions for crimes that antedate 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 or other personal consumer reports

Today XX/XX/XXXX, I had multiple inquires hit my profile. I have not applied for anything. I spoke with supervisor XXXX XXXX ( XXXX XXXX  XXXX ) at XXXX who tried telling my I only had XXXX inquiry. At that moment of him telling me this information I was looking at my credit profile and I could see XXXX inquires from today. I explain how he was giving me misinformation and that it was against my right. He tried to assure me that there wasn't any inquires on my credit profile. I eventually hung up and called back. I spoke with a young lady. I explained that I was trying to dispute the inquires because they were fraudulent she disputed them for me and she could see them. However, she explained that I needed to submit another FTC report. Same thing Equifax stated. I find this unfair and inconsiderate of my time to have to do this each time something fraudulent happens. Also, XXXX stated that I did not have a XXXX XXXX on my profile and stated that I have never had one. However, I have an extended XXXX XXXX with all bureaus. Yet, some how my XXXX XXXX magically disappeared from XXXX. I have been having a XXXX XXXX since XX/XX/XXXX and it doesn't expire until XX/XX/XXXX. I would like that same alert places back onto my XXXX account.
Product: Credit reporting or other personal consumer reports

ATTACHED IS A CREDIT REPORT FOR XXXX XXXX THE PHONE NUMBER XXXX IS TO BE DELETED AS WELL AS XXXX. 
THIS INFORMATION WAS INCORRECTLY REPORTED AND REMOVED FROM MY ALSO KNOWN AS FILE XXXX XXXX
Product: Debt collection

I contacted one main financial on XX/XX/XXXX and told them due to me being out for XXXX they will have to continue to take monthly payment by auto draft set up with my bank account information. I continue to get calls 3 times a day and from different numbers 1 ) XXXX XX/XX/XXXX XXXX XXXX  XXXX 2 ) two calls made from Branch on XX/XX/XXXX XXXX ) Friday XX/XX/XXXX XXXX XXXX XXXX  and XXXX two voicemails were left that day. The repeated calls continue daily from other numbers daily and again today XX/XX/XXXX 1 ) XXXX 2 ) XXXX from XXXX 3 ) XXXX XXXX. They are using deceptive practices to call from Numbers at branches my loan is not with and leave messages asking to Call back number to main branch. Im Requesting that they remove my banking information from their system and not to draft and loan payments going further I am also requesting that the loan company be punished for their deceptive collectin practices and obsessive harassing calls to my cell phone when I had payments set up for automatic draft
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate you taking the time to DELETE some of the information in my credit file ; however, there are still accounts that need to be DELETED. 
This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian Credit Bureau to validate this account ( A ). I hope this disputed account is updated. 
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, LA, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, NV, XXXX, Bankruptcy XXXX  XXXX XXXX XXXX Date Filed XX/XX/2013 2013
Product: Mortgage

Recently, an agent of Regions bank solicited me for a Home Equity Loan he knew from previous contact I might be interested in. Months ago a deal fell apart because of the upfront money Regions required of me. I was n't willing to use all my savings to get the loan. In XX/XX/XXXX when he called I told this agent that XX/XX/XXXX my mortgage would be under XXXX and at that time I would try again with Regions and other institutions. XX/XX/XXXX he called saying Regions had a great deal I would qualify for. The deal was not a good XXXX considering the market rate at the time was a whole point or more lower than what he was telling me was a good deal. He knew already how fabulous my credit score was ; Regions ran it again, and it was XXXX, I have no other debts, other than this mortgage. Now I ask you, why would that bank try to excite me about a rate of 4.25 & possibly getting it as low as 4 % for me, when they had to know home equity rates were around 2.75. Yes, I am a XXXX American woman, why am I not offered the best available when I more than qualify. My current home loan rate is 5.875, which when acquired in XX/XX/XXXX was a good/best rate at that time. I 'm looking for a better rate to continue my attempt to pay off the property in less than XXXX years, which is why a re-finance is not in my interest because of the XXXX of dollars added in that process.
Product: Debt collection

I wrote letters asking company to validate debt owed, such as contracts signed with company, reason why I owe this company. Original creditor emailed information which states I have a 0 balance, according to transaction history. National Credit Systems in a third party debt collector who states I entered into an agreement with them to pay unknown amount of debt XX/XX/year>. Original creditor XXXX lists XXXX balance due, as of XXXX XXXX according to email sent to me by original creditor and customer portal. National Credit Systems continues to report negative activity to credit agencies which is unfair because they fail to validate information requested regarding this debt. I have made several attempts to dispute this debt in which I am told by credit agencies the debt is valid however they will not provide me information they found during the investigations to these disputes stating why this debt is valid. Letter was sent to credit agencies and National credit system numerous times some were certified. 
XXXX signed with original creditor XXXX XXXX XXXX does not have my signature, signature on list is not my signature.