23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

This issues is with HUNTER WARFIELD. They are stating I owe a debt for an apartment complex I once resided XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, Indiana. I don't owe this debt because I had to file a complaint with the XXXX XXXX Health Department, this apartment was not habitable, I had to live out of a hotel until I was able to find housing, I was not even able to eat in the home due to the rodent infestation. The health department came out and assessed the rodent issue, the inspector was XXXX. I have also attached photos and the official complaint. This issue was never address and the apartment manager XXXX knew about this issue. 

I did make XXXX " the apartment manager '' aware that I was a service connected XXXX XXXX or more service connected Veteran and I made my therapist at the VA aware of this issue on going issue.
Product: Mortgage

I purchased a home on XX/XX/XXXX. The mortgage was through Rocket Mortgage and the monthly mortgage at closing was XXXX. On XX/XX/XXXX {$1100.00} was taken from my escrow account for property taxes. 
On XX/XX/XXXX {$1800.00} was taken from my escrow account for property taxes. Then I received a notice that my month payment would be {$2.00}, XXXX. 
When I questioned Rocket Mortgage they could not give me an answer. I contact my Real Estate Broker, Title Company and the Rocket Mortgage  Representative. 
What my XXXX Estate Broker found out is that Rocket Mortgage made a mistake that should have been revealed at Closing but it was not. Clearly Rocket Mortgage made a mistake and now I am paying for it. 
How can you pay property taxes in XXXX and then again in XXXX plus have your mortgage payment increase by {$500.00} dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute against the collections agency ERC, back in XX/XX/XXXX on an account that they're reporting on all three of my credit reports. The first complaint is that they did not respond to my dispute within 30 days, I didn't get a get a answer until XX/XX/XXXX. Also in my dispute request, I requested that they send me a copy of signed documents by me proving that this debt is indeed my debt, which is my right. However, they sent me a letter stating the debt is validated by a bill, and they sent me the copy of the bill. No signed agreement or document. This is my debt, and this is not a accurate form of validation.
Product: Checking or savings account

I am writing to express my deep concern regarding the recent closure of my USAA account. Despite multiple instances of my account being compromised due to security lapses on USAAs part, I have consistently taken all necessary precautions to protect my account. Unfortunately, these breaches have occurred repeatedly, highlighting a significant issue with the security measures in place. 
To my dismay, USAA has decided to close my account without providing a clear reason. This decision has been made despite the fact that the security breaches were not due to any fault of my own. Additionally, I am facing difficulties with the processing of my insurance claim for my apartment, which remains unresolved. 

Following my XXXX XXXX in XXXX, which affected my memory due to an XXXX, I have observed a noticeable decline in the quality of treatment I have received. I believe this change in treatment is unjust and may be influenced by my being XXXX. 
I kindly request a thorough review of my situation and an explanation for the treatment I have experienced. It is crucial that all people receive fair and respectful care, regardless of their background. 

I kindly request a thorough review of my case and a detailed explanation for the account closure. Furthermore, I urge USAA to address the pending insurance claim promptly.
Product: Mortgage

i believe in XX/XX/2019, the federal reserve lowered interest rates. my loan is a variable rate home equity loan. i checked my XX/XX/XXXX statement and they did not lower my interest rate so i called them and they told me it would take a month before it is lowered, i asked to speak to a superior to find out why and was put on hold for 15min and they hung up on me. so i waited for the XX/XX/XXXX statement and the rates have still not been lowered. i called them again and got the same story except it takes two months before it gets lowered i asked to speak to a superior wait 20min and they hung up again. so now im contacting you. by the way when rates go up it seems to affect my rates immediately no months of delay.
Product: Debt collection

I used XXXX XXXX as my insurance company for the last few years. My rate was increased dramatically so I switched to another company. The problem is, once I signed on with XXXX XXXX I had to make a full monthly premium payment before they issued me insurance. Sort of like I prepaid for the month. Once I switched insurance companies, I had just paid the said premium for the month of XXXX and wasnt due yet to pay for the month of XXXX. I called and cancelled my insurance the day before my new premium was due for the month of XXXX. The agent I spoke with told me that I did not owe XXXX Mutual anything because I had just paid my premium for the month of XXXX and my premium wasnt due yet for the month of XXXX. He explained to me that the payment that was due the next day for the month of XXXX and since I was cancelling before that payment was due, and was not using the insurance for XXXX, I didnt owe them anything. This was all on a recorded line and took place on XX/XX/XXXX. I asked the agent for reassurance that the call was being recited for my records and he assured me I didnt owe XXXX XXXX anything and in fact he placed me on hold to double check. However, I got a notice from progressive at the end of XXXX telling me I owed them a full months payment for XXXX, a month I was no-longer with the company and have proof I was with Progressive the entire month of XXXX. XXXX XXXX is now threatening to add an amount of {$350.00} to my credit as a debt when I do not owe XXXX XXXX a dime! When I started with XXXX XXXX I paid for the month on the XXXX, in which I paid on time through auto enrollment since XXXX at the beginning of the month for the entire month. So if I had just paid on XXXX for the month of XXXX and then cancelled on XXXX for the month of XXXX before a payment was due, how can I owe them money? Even if my payment was due on XX/XX/XXXX as they said and I cancelled XXXX day later within my grace period before the payment was actually due, how can I owe them a full month in the amount of {$350.00} for a full month. Had they said I owed them for a day, which still dont make sense would have been more logical. My proof is all in the recorded call that took place on XX/XX/XXXX when the agent assured me I did not owe liberty mutual any monies moving forward. I will attach the first withdrawal date which was XX/XX/XXXX which was my first covered month with XXXX XXXX and proof that I had to pay my monthly premium on that date before I could be covered. As with any other insurance company, you pay your monthly premium at the beginning of the month for that month. So there is no possible way I could owe XXXX XXXX for a month I did not use which was XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

These Accounts should not be furnished in my consumer report as they are in VIOLATION!!! Under, 15 U.S. code 1681b-Permissible purpose of a consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other. ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protect consumer. NO CONSENT IS IDENTIFY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
Product: Checking or savings account

I am writing to formally file a complaint regarding multiple overdraft fees applied to my account. These fees were assessed despite having sufficient funds available at the time the transactions were authorized. However, due to delayed posting of charges and credits I was unfairly charged overdraft fees. 
This issue appears consistent with with recent findings by the CFPB, which identified similar practices by Navy Federal Credit Union, where transactions settled with insufficient balances despite initially having sufficient funds available. I believe these practices are deceptive and unfair.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are three derogatory statements on my credit report. I am not sure who or why these derogatory statements were made. the identified company is identified as XXXX XXXX. This may have been a school loan through XXXX XXXX. This is may be from a loan my daughter had taken out and I served as a co signer. To best of my understanding my daughter had set up regular payments through her bank. As she lives outside of the United States, her payments went through several banks and eventually through her XXXX XXXX ( XXXX XXXX XXXX ) Again to my understanding there was a change in way XXXX XXXX processed payments and or collected, Neither me or my daughter were notified that the payments were not being processed until after three months had not been processed at which point they attacked my credit report. Which how I found out about the problem. There was no prior notice The money was in the accounts and available for payment. When I found out about the payments not going through we contacted the banks and made the necessary corrections. I attempted to contact XXXX XXXX regarding a resolution, it was like talking to a wall, and got nowhere with the XXXX XXXX From that point forward all payments have been made on time through an automated payment process. And the loans have been completely repaid. 
I see that what I believe are these derogatory comments still on my credit report.
Product: Credit reporting or other personal consumer reports

I am the victim of the Equifax, XXXX XXXX and XXXX XXXX breaches from XX/XX/XXXX, which compromised my personal information, due to Identity theft and the negligence of Equifax and 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 Equifax 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 personal credit card account XXXX XXXX opened on XX/XX/XXXX under the account number ( private ) a business XXXXXXXX XXXX account opened on XX/XX/XXXX under the account number ( private ), and a XXXX XXXX XXXX XXXX account opened on XX/XX/XXXX under the account number ( private ), they appear to be related to the aforementioned closed charge off accounts. This fraudulent inaccurate inquiry resulted in many disputes, XXXX XXXX marked this as fraud in XXXX of XXXX and issued a ID Fraud application ref # they had 90 days to send a deletion letter to Equifax and never did resolve this issue and failed to follow protocol and violated policy. The XXXX XXXX XXXX XXXXXXXX hard inquiry and the above mentioned fraudulent collections appearing on my consumer FICO credit report, was not reinvestigated by Equifax. Instead, Equifax determined that is valid and remains, which is not true. ( See attachments ) Included is proof of the hard inquiry 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 the FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

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 Balance : {$0.00} ; XXXXXXXX XXXX XXXXXXXX Balance : {$3700.00} ; XXXX XXXX XXXX XXXX XXXX XXXX : {$6300.00} ; XXXX XXXX Balance : {$0.00} ; 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to find out if I have been compromised by the Equifax breach for over one month.  Every day when I go to the website https : //www.equifaxsecurity2017.com/ I get the message that the service is " temporarily '' unavailable. Calls to Equifax connect me to an automated line which does n't give me the option to connect to them to freeze my credit, something I am considering, but I ca n't chose that option or speak to a representative.
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 U.S.C 1681. Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Account Number : XXXX Have violated my rights. 
15 U.S.C. 1681 section 602A - states that I have the right to privacy.

15 U.S.C. 1681section 604A section 2 - states that a Consumer Reporting Agency CAN NOT furnish an account without my written instruction.

15 U.S.C. 1681c- ( a ) ( 5 ) Exclusions - states that No Consumer Reporting agency may make 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 if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

There is a woman with the same name as me, XXXX XXXX, that also lives in XXXX and has a similar birth date as me. Her BANK OF AMERICA accounts are consistently being reported on my XXXX accounts. 
There are currently XXXX credit accounts of BANK OF AMERICA that do not belong to me and XXXX XXXX answer the phone so I can fix this problem. Currently as of XXXX XXXX there is XXXX credit card reported on my experian for {$1400.00}, opened on XX/XX/XXXX and another BOFA account for {$2400.00} opened on XX/XX/XXXX which do not belong to me and are being reported on my account. 
This is not the first time this has happened, in XXXX I had to file a police report BSO case # # XXXX to find out that it is not identity theft but rather a mistaken identity, the police XXXX XXXX XXXX said It appears that errors were made by several organizations causing the mix up with your credit. After obtaining information via subpoenas from the XXXX XXXX, XXXX, and Bank of America. It appeared that the similarities in your name and date of birth with another individual caused the mix up. 

This needs to stop happening. Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize these inquires on my report from XXXX XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), Jpmcb Card ( XX/XX/XXXX ). I reached out to these companies regarding my concerns about these hard inquires and I never heard back from them. These inquires are negatively affecting my credit and I would like for them to be removed.
Product: Student loan

On XX/XX/year>, I received a response from MOHELA regarding my request to access the School Misconduct Discharge application for my private loan accounts. They stated that my loans ( ending in XXXX, XXXX, XXXX, XXXX, and XXXX ) are ineligible for review because they are paid in full and closed. According to their response, the process only applies to direct-to-school loans for for-profit schools with an outstanding balance, and they are unable to reinstate closed loans for review. 

I strongly disagree with this decision. My private loans were held by XXXX, which has been found guilty of widespread misconduct, including deceptive practices and predatory lending. Additionally, I attended XXXX XXXX XXXXXXXX, which has also been found guilty of fraudulent behavior. My federal loans for attendance at this school were forgiven, and payments refunded, under Borrower Defense to Repayment due to the school 's misconduct. 

The combination of these XXXX findingsthe XXXX  verdict and XXXX XXXX XXXXXXXX XXXX proven fraudshould qualify me for a refund of payments made on my private loans. Despite this, I have been unfairly denied access to a fair review process. 

This situation has caused immense financial hardship for me and my family. We depleted our savings to pay off these loans, leaving us unable to afford appropriate housing and forcing us to rely on family for support. The burden of these loans and the impact of attending a fraudulent institution have greatly affected our financial stability and overall quality of life. 

I request that my claim be reviewed on the merits of the misconduct by these XXXX institutions and the substantial harm caused to my family and me.
Product: Credit reporting or other personal consumer reports

The late payment remark on my credit report is negatively affecting my FICO score, and I am requesting its removal to ensure that my credit profile accurately reflects my financial responsibility. Since payment history makes up approximately 35 % of my FICO score, it plays a critical role in determining my creditworthiness. Even a single late payment can lead to a significant decrease in my score, particularly if I have previously maintained a strong record of timely payments.

This incorrect late payment is unfairly impacting my ability to access financial opportunities, including loan approvals and competitive interest rates. Because lenders and financial institutions heavily rely on FICO scores when assessing risk, this erroneous remark could result in increased borrowing costs or even credit denials. 

Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to dispute inaccurate or unverified information on my credit report. If this late payment can not be substantiated or is found to be incorrect, it must be removed immediately. Additionally, I am requesting a goodwill adjustment from the creditor, as my history of responsible financial management demonstrates that this late payment does not accurately reflect my reliability. 

Furthermore, I have identified other inaccurate personal information on my credit report, which may be contributing to reporting errors. I am requesting a thorough review and correction of any outdated, incomplete, or incorrect details to ensure the accuracy of my credit file.
Product: Credit card or prepaid card

Key Bank Rewards program is misleading by saying they are giving you XXXX points per XXXX spent. When you go to redeem you can only get {$1.00} for every XXXX points so in effect it is only XXXX point per {$1.00} spent. 
I have XXXX points with Key Bank. They say that is worth {$110.00}. 
Last year I had XXXX point with XXXX. They gave me {$500.00}. 
Key Bank is using rewards points terminology that all other credit card companies use but all other companies actually give you what they say they will. 
Key Bank is being misleading and dishonest with their rewards points advertising. 
I have spent too much time looking through Key Bank info for anything that says what the true point value is. It is not until you go to redeem that you find out.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a identity theft affidavit from U S Bank Mortgage. I got it notarized and sent the packet to Customer Service Research -Fraud. Mail Location -XXXX. XXXX XXXX XXXX XXXX Kentucky XXXX. XXXX : XXXX XXXX - U S Bank Mortgage. I sent this on XX/XX/2017.
Product: Debt collection

After reviewing my credit profile on XX/XX/2019 I identified a discrepancy with accounts listed under ARS Account Resolution. I requested a validation on XX/XX/2019 as there were multiple accounts listed that I did not recognize as I have always had insurance/Medicaid that fully covers my medical and the accounts are not under my complete legal name. On XX/XX/2019 I reviewed my credit profile again as ARS Account Resolution had not responded but the account was reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/2019. Credit report was reviewed again on XX/XX/2019 and the accounts are still reflecting on my report and I do not believe the accounts belong to me nor that the creditor has authorization to legally access my medical records and to attempt to collect on these accounts and these accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that these account belong to me and that all information including my legal name are correct.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the fair credit reporting act ( FCRA ) to conduct a reasonable investigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The consumer financial protection bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience. Where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.