23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

After repeated attempts to collaborate with both state and federal compliance agencies to address the predatory appraisal practices of the Texas XXXX XXXX XXXX XXXX, I am filing a formal letter of inquiry and complaint regarding the flagrant, open, unbridled, unsanctioned and negligent misrepresentation of the XXXX & XXXX agencies that are charged with safeguarding with following federal and state mandates to safeguard home owners. 
The XXXX XXXX, XXXX & XXXX are complicit in acts of moral turpitude by their lack of XXXX federal guideline enforcement that are within the scope of influence and this tax payer funded state agency. 
I have attempted to bring transparency to the injustices committed from the XXXX XXXX XXXX XXXX XXXX agency that fails to discipline violators of the XXXX federal and state guidelines and I have been met with nothing but open defiance and deniability. Either the state agency that I have reached out to for assistance has stated that their Non-Disciplinary measures are within state guidelines or the agency denies culpability and responsibility for the licensed associates in their organization. 
As I have received nothing but dismissive responses to my repeated inquiries it is my civic duty to bring the open and flagrant violations of the XXXX & XXXX agency as well as the performance of Executive Director XXXX XXXX to the attention of every state, federal, executive, legislative and judicial branches until someone takes immediate intervention to stop these predatory violations of constitutional and consumer rights here in Texas
Product: Student loan

On XX/XX/XXXX I received a mailed statement from XXXX XXXX stating my loan was past due. The past due notice was my first notice of any payments even being due on the loan. The past due balance was {$280.00} and the current amount due was {$140.00} suggesting I had missed two payment, again, payments I was never aware were due. I called the company asking about options for pushing back the past due date so I could verify the loan was in fact mine since I have no promissory notes on file for it. I was told no and that I had been notified by email as well about the bill. I, in fact, never received anything by email about the bill. I searched my inbox, junk mail, etc. The email from Heartland was on XX/XX/XXXX, which is copy and pasted at the end of this statement but says nothing about a bill and is rather quite cryptic. 

I have two primary grievances. One, Heartland needs to send a statement just like every other company saying a bill is owed in advance. Two, I was charged late fees, which I would like removed since I had no opportunity to make the payment on time. I also think for a company that can have so much negative influence on a person 's bottom line, credit score, etc, these surprise bills can not be allowed to continue. 

XX/XX/XXXX Email We are notifying you that your contact information has been recently updated for XXXX XXXX XXXX / XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX
Product: Bank account or service

i had an acocunt with PNC some years ago. this account had disputed charges. many ovr draft fees were assessed to the account. i would like to pay ONLY what is owed and my legitimate charges. i would like an itemized list of charges and overdraft fees need to be delted. im a single mother and i dont have much money. i really want to fix my account with XXXX and PNC never fully resolved account issues before closing the account and assessing unfair fees
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting inquiries on my consumer report illegally. 
XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX ( Miscellaneous ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX, XXXX ( Bank ) XX/XX/2022XXXX is reporting inquiries on my consumer report illegally.
Product: Student loan

My name is XXXX XXXX. I cosigned a private loan for my son XXXX XXXX XXXX since then Navient bought the private loan from the original lender who was Sallie Mae. The interest rates changed since the original loan and I contacted Navient just recently due to the fact that I am retired and XXXX and my son has become XXXX since then. Navient informed us that they would be sending forms for us to assist us but instead sent us a notice on XX/XX/2018 to inform us of an increase in repayment amount from XXXX a month to XXXX a month.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit bureaus after I purchased a credit report with XXXX on XX/XX/22. After receiving a copy of my report, I saw these UNVERIFIABLE items on my personal profile, I noticed that there were inaccurate items on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus on XX/XX/22. I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # XXXX, XXXX, and XXXX and hoping that these accounts will be corrected. 
XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$20000.00} ; DEPT OF ED/XXXX XXXX Balance : {$930.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$1000.00} ; XXXX XXXX Balance : {$290.00} ; XXXX XXXX XXXX  XXXX Balance : {$1600.00} ; XXXX XXXXXXXX Balance : {$280.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXX Department of EducationXXXX Account XXXX XXXXXXXX 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 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Money transfer, virtual currency, or money service

I am writing to formally request a full refund of all monies paid to BlockXXXX, Inc due to significant consumer protection violations, inadequate customer service, and fraudulent activities I have experienced. Despite numerous attempts to resolve these issues, the company has failed to provide appropriate support and has engaged in practices that I believe are misleading and fraudulent.

These actions have resulted in substantial financial and personal harm, and I believe they constitute violations of consumer protection laws. As a result, I respectfully request that all funds be refunded to me in full as compensation for the lack of service and the negative impact this situation has caused.

I trust that the Consumer Financial Protection Bureau ( CFPB ) will investigate these violations and assist in ensuring my request is addressed. I would greatly appreciate your support in ensuring that my rights as a consumer are upheld and that justice is served.

Thank you for your attention to this matter. I look forward to your prompt response
Product: Credit reporting, credit repair services, or other personal consumer reports

Sometime In XX/XX/XXXX sentry collections placed a collection on my account for an account with XXXX which I do not own. 
I filed dispute with TransUnion which resulted in the dispute being deleted. 
On XX/XX/XXXX sentry credit in violation of fcra places same collection that was disputed in XX/XX/XXXX as a new account on my credit report. 
TransUnion in clear violation of fcra without evidence supporting the relist of a prior deleted information and notice to inform me within 5 days reported the deleted information on my credit report.
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 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: Checking or savings account

on XX/XX/2021, I received a wire for XXXX. After, it had cleared. I withdrew the money. There was no indication. that they were suspicious of the deposit. I was given the entire XXXX dollars. Actually, I had no idea there was a problem, until I went to the ATM. and at the time I was unable to retrieve my money. Also, it should be noted, I have direct deposit, weekly. Several times, I have tried to contact the person in charge of my case. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX and this morning, I tried to contact the supervisor. But, I was put on hold too long. I am working remote. and I could not continue to hold. Presenting I have a balance over XXXX dollars. I have stopped my direct deposit. But, there are refunds, from products I have ordered and cancelled and I have no idea, where that money is. This morning I tried to remove XXXX from my XXXX account. I was told I could not, until the fraud issue is resolved. So, in summary, I was never notify of the fraud issue. They have held my money for a month as of around XX/XX/XXXX. No, XXXX responds for to my messages or calls. It is very hard to survive, since more since covid. I need your help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXX XXXX XXXX Balance : {$4000.00} XXXX XXXX XXXX Balance : {$38000.00} XXXX XXXX  XXXX XXXX Balance : {$12000.00} XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I assert that the presence of erroneously documented overdue payment notes on my accounts violates the regulations outlined in 15 USC 1666. Each payment associated with these accounts has been duly submitted, and any deviation from this accurate reporting is deemed unfair and illegal.
Product: Credit card or prepaid card

On XX/XX/2018, I had to cancel my hotel reservations at XXXX XXXX by XXXX XXXX XXXX XXXX in the amount of {$700.00} booked on XX/XX/2018. My cancellation was because my flight going into XXXX, Hawaii was cancelled from XXXX XXXX, and there would be no way that I could make this hotel reservation. The flight was cancelled due to Hurricane Lane approaching the island with an increasing chance of hitting the islands of Hawaii. Due to this reason, we had to cancel our vacation to Hawaii. 

I reached out to Citibank immediately to use the travel insurance protection program that I am enrolled into automatically on my credit card. This route was rejected because there was only a travel advisory warning for the island, even though a state of emergency was declared. The documentation and form process advised me to send further documentation for review, so I had sent all relatable news articles about the hurricane hitting Hawaii, and the lack of food and water on the island, how there were power outages on the island, and the roads are not of driving condition. The travel insurance was then rejected, and I proceeded to call Citibank back to find out why. The Citibank representative told me that the travel insurance does not cover hurricanes or natural disasters, and if it did, flights would have to be cancelled for 24 hours for the trip to be covered. After discussing with the employee on what other actions I can take, he then advised me to dispute the charge. 

I disputed the charge only stating that the service was not complete or used and even sent documentation information that was requested of the cancellation receipt. Shortly after, I received a letter in the mail that the dispute was rejected. However, there was no reason as to why it was rejected. 

I contacted XXXX XXXX themselves and they said because I booked via a third party ( through XXXX ) they are unable to do anything about the refund. They advised me to contact XXXX directly and see if there's anything they can do. 

I contacted XXXX, whom I booked the reservation off of and because they do not partner with XXXX and XXXX XXXX anymore, they are unable to resolve the issue internally. The gentleman whom I spoke with looked at everything and tried to resolve the issue internally but was unable to help me. He advised me to also dispute the charge and contact Citibank directly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a customer of XXXX and have a loan with them. I have always paid my bills on time. I discovered that there were late payments on my credit record for whatever reason after looking at my credit report. As you can see, I've always made on-time payments to this business. I made an attempt to get in touch with the three credit bureaus, but I was unsuccessful. There was unquestionably a mistake on their part. I am filing this CFPB complaint to the credit reporting agencies in order to ask them to fully examine and correct their information. The account with the inaccurate information is below and has to be updated as soon as possible : XXXX XXXX XXXX : {$0.00}
Product: Checking or savings account

I am writing to file a complaint against Navy Fedral Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue align with the recent CFPD findings against Navry federal credit union for simulate practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2023 I dispute the amount of {$15000.00}, dates and status of account. I asked them to do a verification and they stated that everything was accurate. I then double checked and still found inaccuracies on the credit report. 

In accordance with the Credit Reporting Act XXXX  account XXXX, has violated my rights. 

15 U.S.C 1681 section 602A. States I have the right to privacy 15 U.S.C 1681 section 604A section 2. It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Money transfer, virtual currency, or money service

05/14/2021_Alerted by email that a transaction was to occur from vendor : XXXX YOUR SUBSCRIPTION RENEWAL WAS SUCCESSFUL Dear XXXX XXXX XXXX Were pleased to tell you that your XXXX XXXX XXXX subscription has been automatically renewed. Your award-winning XXXX XXXX XXXX has been extended for another subscription term and no further action is required. Thank you once again for choosing XXXX XXXX. The following is a summary of your order. Please keep this email as your proof of purchase. Your credit or debit card ending in has been charged XXXX XXXX. Please note, the charge will show XXXX XXXX as the merchant for this purchase. 

XXXX_I immediately replied to the email notification that this was not " authorized by me and they should cancel ASAP!!. 

XXXX I submitted a fraud complaint and notification of an unauthorized transaction to XXXX XXXX XXXX PayPal ( transaction was submitted via PayPal XXXX of the same. Directions from both XXXX and PayPal was to contact XXXX XXXX for any compliant or issues. Note : from XX/XX/2021 through today I have attempted " unsuccessfully via PayPal, XXXX, and XXXX XXXX any success on my request to stop transaction, refund or human contact. 

The process by all parties takes you in a " circular loop making it extremely difficult to submit a request and/or claim ''. I do believe this is " intentional for the average consumer ''. I am an avid user of computers but this is difficult and stressful going between parties and not one taking responsibility. Please note : I have an ongoing relationship with PayPal whereby I will create a subscription for continued payments. I did not " authorize or was I notified by PayPal requesting approval of this such transaction. 

XXXX is a security software that I do used, and have purchased over the last 5 years via 'hard cd purchase from XXXX XXXX ''. 

XX/XX/2021 : Transaction has hit my bank account today : XXXX XXXX To : XXXX Mon, XX/XX/XXXX at XXXX XXXX Transaction Alert : XXXX XXXX XXXX XX/XX/2021 ( {$100.00} ) ACH Withdrawal, XX/XX/2021 ( {$61.00} ) ACH Withdrawal I will be placing a " fraud alert '' with my bank XXXX XXXX XXXX XXXX of this same issue today.
Product: Mortgage

I paid my property tax ( {$4200.00} ) to the XXXX XXXX XXXX Collector directly early XX/XX/2018, ahead of the scheduled payment from my escrow account. I informed Citimortgage and gave them a copy the check and the XXXX payment notice. I was assured that I will get that amount refunded. I received a check dated XX/XX/2018 for the amount of {$3800.00}. I called Citimortgage and was told that the amount was based on their calculations for this year 's escrow and their estimated tax will be higher and my monthly would be lower. I fully understand and expected the increase in Taxes and my monthly dues, but using my money in advance for this mortgage company to use is totally unfair to borrowers.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting account as unverified information without providing any proof within the period allowed by law. This account need to investigate and delete from erroneous reporting in my file are listed on my credit report : XXXX XXXX  XXXX
Product: Mortgage

Our Mortgage company failed to pay our property taxes. We asked why our taxes weren't paid and were told it was due to our tax assessor 's office being " too small town ''. They stated that it was due to a check having to be manually mailed, so the mortgage company just didn't mail one. When we received final notice that our account was delinquent from the tax office, we contacted our mortgage company and they said it would be resolved. Today XX/XX/year>, I received word from a friend at the Tax office that our property and home would be listed for tax sale next Monday, due to non-payment. When contacting the mortgage company, they stated a check was mailed on XXXX. That check was never received, and was not issued for the correct amount, even though the statement from the tax office was uploaded to the mortgage company. According to the tax office, the check would have been returned anyway for not being the correct amount. Our mortgage escrow account has {$6400.00} in the account and today, XX/XX/year>, I had to pay out of pocket {$1700.00} to avoid tax sale. Since our loan is a VA loan, I can not handle the taxes on our own. Unfortunately, the same thing happened last year. This has been a very emotional and stressful time and my husband and I have missed a lot of time from work handling this over the past few months.
Product: Debt collection

I checked my credit and saw an account from Bullcity for XXXX XXXX for {$870.00}. I never received notice to dispute this debt. I was unaware it existed as I thought I closed out my account on {$0.00} balance.
Product: Debt collection

I have two accounts in collections with this company. Every day, they call me no less than 3 times on my cell phone which I have not consented to receiving these calls. Most times, they ghost their number. 

Re : Collection Account for XXXX XXXX XXXX Account # : XXXX Amount : {$52.00} Re : Collection Account for XXXX XXXX XXXX Account # : XXXX Amount : {$100.00} I have written them 3x to validate this debt was owed since my insurance company and XXXX XXXX spending show payment in full. All letters have never been responded to. 

I will never deny payment to any person or company that I owe. However, my records do not show where all but less than {$200.00} was paid to XXXX XXXX XXXX. I am now using the CFPB to monitor that I am making a new and final request for debt validation. If not received, these accounts are legally to be deleted from my credit report. 

I request that you cease and desist from all telephone call attempts and communicate with me solely by mail going forward.
Product: Credit reporting 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 XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX and 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: Checking or savings account

I was charged for over draft fees and recurring fees with my checking account i dont have the exact dates but it was about 4 years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

Filed chapter XXXX bankruptcy XXXX/XXXX/XXXX, approved for capital one credit limit of XXXX, XXXX XXXX XXXX and XXXX XXXX for XXXX in XXXX of XXXX. Bankruptcy XXXX in XXXX of XXXX. Fast forward to XXXX checked my credit report XXXX XXXX showed that all three credit cards where added to chapter XXXX bankruptcy I then called XXXX to see how that was possible since I did not add them on list of creditors for bankruptcy. Agent then told me that sometimes when someone applies for anything before discharge date that what ever accounts are open at time will be added to bankruptcy and the creditors are the ones who contact credit bureaus with information and that I should contact credit companies. Since capital one was the creditor still emailing me stating that I owed them I contacted them just for them to tell me the exact same thing XXXX told me. So I stopped paying on the credit card. Now here we are months later of going back and fourth with this particular situation all XXXX credit cards have been added back to XXXX and XXXX report and has my score droped because of higher utilization rates, late fees and now I have extra credit cards that I do n't not need because I opened XXXX other cards to restablish credit now there is a total of XXXX cards that I can not pay for.