23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I purchased something from a website on XX/XX/XXXX just to find out it was a scam. I contacted my bank and told them this and sent them emails exchanged between myself and the merchant. The merchant responded and stated that my refund will be sent within XXXX business days from the XXXX of XXXX. I sent these emails to my bank and they denied my claim for a refund. I then reached out to the merchant again to verify and they have been silent since the XXXX of XXXX. When I try to call the number on their website it says it is disconnected. My bank told me to resubmit and someone higher up will take a look. They then told me they will follow up. After about XXXX days I reached out and they said that it was denied again.
Product: Checking or savings account

Chase froze my credit card and all accounts without any notice. They also liquidated my retirement accounts and cost me early termination fines and fees without any notification that this action would be taken. Also, a safe deposit box account was terminated with only less than 30 day notice to evacuate the contents or they stated " the contents would be turned over to the state ''.
Product: Debt collection

Reported Amount due to alledged debt collector owed : XXXX Reported to Credit reportig agency when initially no reporting was told would go to said entities ( i.e XXXX, XXXX, XXXX ) Property Siezed total Amount : XXXX Total written off XXXX. 
Liability forced upon by constant written notifications and threats of garnishment
Product: Credit reporting or other personal consumer reports

I initiated a complaint against Transunion on XXXX for improper use of my credit report ( XXXX XXXX ). I requested to have a bankruptcy removed from my Transunion credit report as a fair remedy, but instead I received an email from TransUnion via encrypted portal claiming I made a request to have place a freez on my Transunion credit report when I did not.

It displayed the following : File Number : XXXX Date Issued : XX/XX/year> We appreciate you taking the time to contact us at TransUnion. Our goal is to maintain complete and accurate credit information. It's our commitment to you.

Re : Credit Freeze Added We received your credit freeze request and a freeze is now in place on your TransUnion credit report. It will stay in place until you request its removal. 

If you would like to temporarily lift or remove your freeze, simply go to XXXX  where you can find more information. You can also call us at XXXX. You will be asked a series of questions to confirm your identity before making any changes. 

I called to complain and I did record the conversation. The agent stated that although I did not request the freeze, they placed the freeze on my TransUnion Credit report. I did demand that the freeze be removed and for TransUnion to honor my request by removing the bankruptcy from my report and follow the federal consumer laws.
Product: Student loan

Navient has been reporting late payments on all 3 major credit bureaus. I know for a fact that they were deferred. I have never faulted on my student loans. Yet, Navient has reported late payments between the months of XXXX through XX/XX/XXXX on 5 of my student loans. I 've made attempts to rectify this error but have been completely ignored. I 've sent 4 certified letters on XX/XX/XXXX and received no resolution. Although all my accounts are paid and closed, this major error is affecting my credit worthiness. I just do n't understand how they are allowed to stay in business and do this to people.
Product: Credit reporting, credit repair services, or other personal consumer reports

I purchased online from the company on XX/XX/2021. I was given a code to use for a 30 % discount if I signed up for a new credit card with XXXX XXXX  XXXX XXXX. I used the code online but it did not show up when the transaction went through. I then called the same day of the order and was given a refund/credit of {$95.00}. When the statement came the amount of the full charge without the credit was showing. I called in numerous times for months and was told numerous times it would be fixed. As of today it has not and now I have late fees and a late payment on my credit report which I was told would not happen as an investigation was taking place. I have ZERO late payments and this has affected my credit tremendously. I was lied to every single call and feel like I was being scammed into paying money that I did not owe. This has caused extreme stress.
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. 


Account name : XXXX  Account NumberXXXX Account name : XXXX XXXX XXXX Account Number:XXXX  Account name : XXXX Account Number:XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/2019, I received a request from Flagstar Bank requesting proof of flood insurance. I provided proof of flood insurance in the the following two ways : + On XX/XX/2019, my insurance agent XXXX XXXX from XXXX XXXX faxed a copy of the proof of flood insurance for my condominiums homeowners association to the fax number provided on the notice. 
+ On XX/XX/2019, I uploaded the same proof of insurance document to the website and received the enclosed confirmation. 

On XX/XX/2019, I received a Second and final notice to provide flood insurance saying that I did not respond to the initial notice. I was surprised to receive this second notice because I provided proof of flood insurance twice on the dates above. 

On XX/XX/2019, I called the customer service number provided on the notice and spoke with XXXX who confirmed that she definitely saw proof of flood insurance on my loan. XXXX verbally confirmed and mentioned that she noted in the loan notes that Flagstar Bank has my proof of flood insurance from XXXX XXXX. She mentioned she would investigate why I got the notice and told me to call back on Tuesday, XX/XX/XXXX. 

Im hesitant to spend any more time on the matter since Ive provided proof of insurance. Im especially concerned because XXXX was not able to send me any email or written confirmation that she had the proof of insurance. In my experience with Flagstar Bank insurance requests in the past, I have called multiple times with proof and the customer service agents tell me that the received proof, but Ill need to call back. When I do, they tell me that they never received the proof and it will take several days to research the matter again. Last year, I spent more than 15 hours trying to get confirmation that Flagstar Bank had received proof of my homeowners insurance. 

I would hate to think that Flagstar Bank is purposefully and intentionally stating that they did not receive the proof of insurance in order to purchase the flood insurance on my behalf and add the purchase to my loan amount. However, after my experience last year and with this second notice, Im inclined to believe that Flagstar Bank has received my proof of insurance, but is intentionally stating that they did not in order to profit from this insurance requirement. 

It's my hope that the error can be remedied quickly. I've also sent Flagstar Bank this same information.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an address, XXXX XXXX XXXX, XXXX XXXX, CA, that appears on my credit report. I have never lived at this address. When you XXXX this address, it is associated with a mail drop box/business. I was a victim of credit fraud and have contacted Experian over XXXX times to tell them this address does not belong to me. I have written letters, I have provided them with a police report, I have even asked them to XXXX the address. I have spoken to the fraud department, special services, and a supervisor. At this point, Experian is blatantly ignoring me and asking me to provide the same information repetitively. Please delete this address.
Product: Debt collection

Upon receiving copies of my credit report I found this debt under XXXX XXXX XXXX Spring Oaks Capital LLC XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX I do not recognize any of these. I requested debt validation and was sent back a copy of statements where the charges were in another country. I have not visited another country, nor do I have a passport to do so. I tried sending the companies a letter explaining this and have gotten no response. This is a fraudulent account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and CREDMGMTCNTL ( Original Creditor : XXXX JXXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ), and CREDMGMTCNTL ( Original Creditor : XXXX XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.
Product: Payday loan, title loan, or personal loan

The company lead my account to repossession because they believed that the payment was missing and it was their own responsibility and duty to address the payment issue when the payment was on autopay each month for the car loan
Product: Checking or savings account

So I was checking my bank account and now there is a {$200.00} withdraw Debit memo!!!! How did that happen I thought this was resolved and for some reason {$200.00} was taken out!!!!
Product: Credit reporting or other personal consumer reports

I have applied for personal loan with XXXXXXXX XXXX on XX/XX/XXXX about XXXX $ for 2 years term. It's declined. Everything was fair till this step and my Equifax Credit Score was around XXXX points. I got a letters after XXXX week of application about that showing my credit score is XXXX. My Equifax credit score was never below XXXX. This is incorrect information regarding my credit report.
Product: Credit reporting or other personal consumer reports

I am writing to address the recent verification of my dispute regarding fraudulent items on my credit report, submitted under 15 U.S.C. 1681c-2. While I appreciate your attention to my identity theft claim, I am concerned that a certain account remains on my report, violating the Fair Credit Reporting Act ( FCRA ). Moreover, this account was previously deleted and subsequently reinserted without proper notification, which represents an additional violation of current regulations.

According to 15 U.S.C. 1681c-2, once an identity theft report has been submitted, credit reporting agencies are required to block disputed information identified as resulting from identity theft within four business days. Therefore, any accounts that were not removed in compliance with this law must be deleted immediately.

Additionally, under 15 U.S.C. 609 ( a ) ( 2 ), consumers are entitled to an accurate report, and 15 U.S.C. 1681i ( 7 ) requires that any unverifiable information be removed from the credit report. 
Accounts in Dispute : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Violation Due to Improper Reinsertion Under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), a credit bureau can not reinsert previously deleted information without certifying its accuracy and notifying the consumer within five business days. In this case, I have documented proof that this account was deleted in a prior dispute and was later reinserted without proper notification, which constitutes a violation of the FCRA.

Furthermore, under 15 U.S.C. 1681s-2, information furnishers are prohibited from reporting inaccurate or unverifiable information. Since this account was previously deleted, its reinsertion without new verification violates my consumer rights.
Product: Debt collection

ACCESS RECEIVABLES IS REPORTING AN ACCOUNT ON MY CONSUMER REPORT THAT IS UNKNOWN, UNVERIFIED AND INACCURATE. THIS IS A CLEAR VIOLATION OF THE FCRA AND FDCPA. I AM REQUESTING THAT THIS NEGATIVE ITEM BE REOVED FROM MY CONSUMER REPORT IMMEDIATELY WITHIN 7 DAYS FROM THE DATE OF THIS COMPLAINT ( XXXX ) THROUGH THE CFPB. IF THE ACCOUNT HAS NOT BEEN REMOVED, AND IT IS STILL REPORTING ON MY CONSUMER REPORT ON ( XXXX ) I WILL BE SEEKING FOR DAMAGES UNDER THE FCRA & THE FDCPA ( PUNITIVE & STATUETORY ) FOR EVERY MONTH THIS ACCOUNT HAS BEEN REPORTING ( UP TO {$1000.00} FOR EACH VIOLATION AND FOR EACH MONTH THIS DEBT HAS BEEN REPORTING ) EVEN IF YOU ARE CONTRACTED TO COLLECT FOR A COMPANY, I WILL SEEK ACTION AGAINST YOU & YOUR COMPANY ( ACCESS RECEIVABLES ) BECAUSE YOUR COMPANY IS REPORTING THE ACCOUNT ON MY CONSUMER REPORT. SO DO NOT TRY TO SEND AN EXPLENATION TELLING ME YOU WERE ACTING ON BEHALF OF YOUR CLIENT. I WILL TAKE ACTION IMMEDIATELY. ( I REMIND YOU THAT REPORTING A DEBT TO A CRA AFTER A CEASE ALL COMMUNICATION REQUEST IS A FORM OF COMMUNICATION ) ( DELETE THE ACCOUNT IMMEDIATELY OR LEGAL ACTION WILL BE TAKEN ) YOU HAVE XXXX  DAYS, THEN I WILL SEEK THE MAXIMUM REMEDY FOR DAMAGES.
Product: Money transfer, virtual currency, or money service

Hi this incident was happen when I was trying to wiring money from my checking account from Bank Of America to the closing attorney office amount of {$8000.00} for closing on a property. 
After, I was done wiring the money and I call attorney office who prepared the document for closing on my property in a bout five minutes later and they said they did not see money pending on their account and I was waiting another 5 minutes and call the closing attorney office again and they still did not see the fund came through at that time a lady from the attorney who was prepared for closing on this property for me told me to go right back in the Bank of America to cancel the wiring process and they were able to stop that wiring transition at that time we found out that the money went to the account of some one name XXXX XXXX XXXX who have account in XXXX XXXX XXXX at address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX NV XXXX us and this was not the account we expected our money going into and I called to report the fraud on that wiring to the Bank of America at XXXX and they were able to stopped transection and had the the case # XXXX on this incident, and I ask a lady who perform the wiring for that when can I get my money back in my account and she told me it should take 24-48 hours and more then 48 hours went back to the bank of America to let them know I still did not have the refund from that wiring and bank of america told me that XXXX needed Hold harmless letter from me and I did as they instructed me to do to the hold harmless letter to : XXXX ( incident report department ) XXXX XXXX XXXX XXXX XXXX TX XXXX and also fax that letter to XXXX XXXX ( ref : XXXX ) as they instructed, more than tree weeks later and I have been going back and forth between Bank of America and XXXX and I have been calling XXXX XXXX ( BOA ) and XXXX XXXX ( XXXX ) and I got no help and they told me they can not even talk me direct on this mater and this is my money and they can not talk to me about this when I try to check on status of my money I am very frustrated at this point and needed help desperately. 
thanks
Product: Mortgage

I was approved for a trial loan modification payment plan and informed by letter dated XX/XX/2016 from Nationstar Mortgage. On XX/XX/2016, 30 days before that, my loss mitigation application was complete. 
I had received and responded to a letter dated XX/XX/2016, and by XX/XX/2016, had received no further notices of incomplete file. Nation- star filed a judgment of foreclosure against me on XX/XX/XXXX, and the Foreclosure Commissioner contacted me after my trial payment plan was approved and wanted to start setting dates for open houses ahead of a foreclosure sale he was planning. By that time I had paid XXXX of the XXXX trial payments, but Nationstar would not stay the judgment. Today, I have authorized the XX/XX/XXXX ACH payment for my XXXX trial payment, and Nationstar is refusing to stop the foreclosure on my home. The Commissioner has the authority to take possession of my home and has agreed only to postpone for 90 days the publication of open houses and setting the sale date for the foreclosure auction on my home. Nationstar is proceeding against me, even though it has taken XXXX payments and is preauthorized to take a XXXX. The commissioner is XXXX XXXX, Attorney at Law on XXXX, and the attorney refusing to petition the court to stay the judgment is XXXX XXXX of XXXX Hawaii XXXX. XXXX XXXX has stated he will not agree to stay the judgment, and Nationstar will not authorize its Attorney XXXX XXXX to petition the court to stay this judgment, so XXXX XXXX continues to accrue fees and costs. I am worried because Nationstar is still in a position to take my home from me if the Commissioner chooses to take possession, change the locks, and store my personal property, because Nationstar 's court order allows him to do this, and the Commissioner has refused to agree to any stipulation other than simple postponing setting the sale date. He can take my house at will, and this is Nationstar 's responsibility. The judgment should never have been filed, because I had a complete file at Nationstar when Nationstar filed its judgment against me.
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX. Account # : XXXXXXXX XXXX XXXX XXXX XXXX  Account # : XXXXXXXX XXXX XXXXXXXX. Account # : XXXXXXXX XXXX XXXX  Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated

in 15 USC 1681c ( a ) ( 5 ). According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. F
urthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have contacted Credit Bureaus on numerous occasions to have incorrect or outdated personal information removed, however, they are refusing to remove the information stating that items come back validated even though the information is incorrect. 

INCORRECT ADDRESS : XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXXXXXX INCORRECT NAME Reported : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, INCORRECT Telephone Numbers Reported : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX INCORRECT Employment Data Reported : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I couldnt believe my eyes this morning when I saw inaccurate accounts on my credit report, and I have no clue why. I review my credit report often, but this time, there were these discrepancies that made no sense. I even refreshed the browser just to be sure it wasnt a glitch, but the errors stayed. These accounts didnt vanish even after that. Because of this, Im asking that my documents be checked carefully so I never have to face this nightmare again.
Product: Consumer Loan

Sychrony Bank notified me via XXXX mail of XXXX things which are not aligned with actions I have taken, and which were confirmed on Synchrony 's internet site. I also received email confirmation of my actions, but was later informed that the actions were not valid. The first action I took was to enroll in Auto Pay. I received notice that I had un-enrolled in Auto Pay. I never un-enrolled. Second, I was notified that " my bank '' refused my initial Auto Pay installment. I was charged {$27.00} late fee. Unable to contact them via phone because their IVR would not let me reach a Customer Service Rep.
Product: Mortgage

This is a continuation on complaint XXXX, new issues have been found. 
I thought the initial complaint regarding my VA loan assumption was resolved, however when I logged into the M & T online banking system to pay my mortgage for XXXX I was presented with the option of paying with the banking information of the couple who I assumed the loan from. I contacted the couple and informed them that their payment information was given to me with the option to pay one month, autopay, or apply extra payment to the principle. I have taken screenshot verifying this that are available on request. I contacted the couple and informed them as well as M & T. M & T has been informed multiple that they have a problem with their system confusing the old owners information with mine. We have had M & T send my personal information to their mailing address, pay their homeowners insurance and adjusting my payment to cover the cost, gave me the old homeowners insurance information and encouraged me to call XXXX and get a refund on their account. M & T has had multiple opportunities to review this situation, providing me the old homeowners payment information and the opportunity to drain the account is negligent at this point.