23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I obtained a mortgage loan in XX/XX/2021 for the purchase of a residential condominium unit. The loan was soon sold to Amerihome Mortgage Corporation. In XX/XX/2021 I received a letter from Amerihome that I did not have a flood policy and that I had to obtain one or they would force place a policy. The property is in a flood zone. However, the property is a condominium and there is a NFIP master flood policy in place which meets FNMA guidelines according to my original lender. I called Amerihome and they advised me to forward the policy which I did.They promised to have it resolved in a few days.Weeks went by with no response. I received another letter stating the same issue. I called and was again advised to send a copy of the policy and they would call back in few days. I did not get a response from Amerihome until I received an escrow analysis with a {$910.00} flood policy premium added for a forced placed policy resulting in an increased monthly payment. I have called numerous times, provided the information and received promises that they will resolve it and call back in a few days. They have not once followed up and communicated back to me in writing or by phone. I called again XX/XX/XXXX. At this time they said that the NFIP master policy that was in place did not cover business interruption so it wasn't valid. This claim makes no sense because NFIP flood policies do not cover business losses FNMA and FHLMC do not require flood policies to provide business loss coverage, and the condo is a residential property, not a business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm " XXXX XXXX, '' and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX Balance : {$40000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I found out this week that Equifax has been submitting my credit report information to XXXX XXXX   twice a year for no reason what so ever. Since Equifax has done this, my credit limit has been lowered on two of XXXX XXXX  's Store cards. There is nothing in the literature from XXXX XXXX XXXX XXXX and XXXX ( both are XXXX XXXX Card ). I was not notified by those cards until I logged in to see my credit had been lowered. I do have an email from XXXX and XXXX XXXX XXXX that it was solely based on what Equifax had sent them. The kicker is my credit report rating with them has gone up since I got these cards. The problem is, Equifax did not have my permission to submit any information, I have a credit freeze on my report and I have my report locked as well. The information they sent over is false, misleading and highly inaccurate.
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 15USC 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX Has Violate my rights . 

I looked at my Transunion Credit Report on XX/XX/XXXX and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) in general, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation, and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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, credit repair services, or other personal consumer reports

This is my FURTHER Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block any items which was opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information are not relating to any transaction by the consumer. 
XXXX* Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX refuses to delete the negative reporting of my Chapter XXXX public record. XXXX refused to review my dispute and referred me to XXXX XXXX, a third party reporting agency. XXXX and XXXX complied after receiving my dispute with the letter from the bankruptcy court stating the courts do not report to credit bureaus. I tried over 3 times to reach out to XXXX XXXX, but they refuse to confirm how they received my information. Each time, they provided me with a code to review my XXXX XXXX report. This is absolutely a violation of the FCRA and I want XXXX and XXXX XXXX to be held accountable. The negative reporting from XXXX has ruined my life and credit profile. I am unable to get housing during this pandemic because of this negative reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and XXXX  Have both deleted this XXXXXXXX account from my profile. I have attached my credit report proving that the XXXX XXXX  account with account number # XXXX. I have previously disputed this account and Experian has still failed to delete the account under FCRA Section 609. I have attached that finger hut told Experian to remove the account and they still have the account reporting. This is a violation of the FCRA and I can receive monetary damages under the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 

XXXX XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX XXXX OH XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX ; XXXX XXXX XXXX  XXXX XXXX, OH XXXX ; XXXX XXXX XXXX XXXXXXXX, OH XXXX ; XXXX XXXX XXXX XXXX : {$2000.00} ; XXXX  XXXX XXXX Balance : {$5400.00} ; XXXX XXXXXXXX Balance : {$1100.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$3000.00} ; XXXX XXXX Balance : {$2300.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance : {$1800.00} ; XXXX  XXXX Bankruptcy Date Filed/Reported : XX/XX/XXXX Reference # : XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX {$18000.00} XXXX XXXX {$2600.00} USDEPED XXXX {$7100.00} XXXX XXXX {$1500.00} USDEPTED XXXX {$4300.00} USDEPED XXXX {$4000.00} XXXX XXXXXXXX {$290.00} XXXX  XXXX {$100.00} XXXX   XXXX {$0.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX XXXX {$4000.00} XXXX XXXX {$2600.00} XXXX XXXX {$1300.00} XXXX XXXX {$2600.00} XXXX XXXX {$2600.00}
Product: Credit reporting or other personal consumer reports

Ive told them what the correct name is and they fixed it on my personal member account. However, they still have it wrong on my personal credit report. The message I receive every time I try to receive my credit report. Sorry, we can't show you today 's 3-bureau report. 
This might mean that XXXX has no record of your credit history or different personal details for you on file. Until this issue is resolved, you won't be able to see your report. Since XXXX XXXX this has been effecting me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chime bank opened a credit card under my name and ssn and now showing as a hard inquiry and opened card but with " XXXX '' as the amount approved. I never authorized a credit check or for a card to be opened.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent countless letters to Experian and XXXX about deleting two accounts from my Consumer report. I served both XXXXXXXX XXXX and XXXX XXXX a Cease and Desist Notices asking the companies to stop furnishing my information to the Consumer Reporting Agencies. I need each account DELETED from my Consumer report ASAP.
Product: Credit card or prepaid card

I have had my American Express Platinum card since XX/XX/XXXX. I never made a late payment. 
IN XX/XX/XXXX, I encountered fraud in my account. I called American Express to dispute two charges and was told I wasn't responsible for the balance that is being disputed, In XX/XX/XXXX, American Express closed my account. I called American Express Platinum customer service and they directed me to an office in Arizona, I was told to pay the balance that I disputed ( even though I was told not to, as they were investigating the fraudulent charges ) and they would reinstate my account, as they made an error. So I subsequently paid the {$1900.00} disputed balance in full ( even though I didn't make the charges ) so that I can have the card reinstated. American Express did not re-open my account and I was never credited for the fraudulent charges. I have called and sent them letters to re-open my account as I had points I never used, and I am still not credited for the fraudulent charges that I ended up paying for in addition to late fees that I was charged. Since I had the account since XX/XX/XXXX with excellent payment history, by closing this account with such a long history my credit score subsequently went down by 30 points in one day! And American Express Platinum also reported me 60 days late and charged me with two late fees, that also made my credit score decrease! Derogatory items stay on your credit for 10 years. Now my credit score is XXXX to XXXX for all three credit bureaus.
Product: Credit card or prepaid card

On XX/XX/2021 after checking my account balance with JC Penny I found a charge of XXXX. It also states that I now owe a current balance of XXXX. My credit limit is only XXXX. I have included all relevant i formation for your view as well as recebt interest charges leading up to XX/XX/2021. I have never been late on any payment and have exceptional payment history. I would like this removed and would no longer like to have any association with. These are fradulent fees and I would appreciate not being taken advantage of. As you will see from my previous billing statements attached, it was reported to my credit report as a balance of XXXX which is also reported across all three credit bureaus.
Product: Money transfer, virtual currency, or money service

I filed a dispute and requested a new card saying my card was lost chime sent me a replacement card same information why I have no clue next XXXX said I have to contact my bank the company further inconvenienced me by having to wait on another card again and to be denied my claim as a banker I would not treat my customers this way and this is not proper dispute procedures I am not accepting this as a loss I want my money back your company dropped the ball by not giving me a new card and not stopping that transaction again with having me go back and forth I want to be compensated for the lack and my funds stolen
Product: Credit card or prepaid card

There was charge card opened in my name by an employee of Wells Fargo in XXXX of XXXX. I was contacted some time after the card was opened and I advised the person that I never opened the account. In the beginning of XXXX I was contacted once again regarding the same account. I reiterated that I did not open the account. I kept getting harassing phone calls to make payments so I ended up just paying the amount and they finally closed the account. I was apart of the class action lawsuit against them. In re Wells Fargo XXXX XXXX XXXX XXXX, Case No. XXXX. I was not the only XXXX as it was determined that their employees opened up cards using millions of customers info without consent. I thought the account was deleted from my credit. However, I found out recently that the account was not deleted from my credit. I reached out to Wells Fargo and they advised me they were not able to find any XXXX or closed account for me and advised me to dispute it. I filed a dispute with all 3 credit Bureaus. I got a response from XXXX that the account was accurate and will remain on my credit. I reached out to Wells Fargo again today and was advised once more that there is no history of me having an account open or closed. I need help getting this deleted as it has negative remarks but yet they aren't able to find an account.
Product: Credit reporting or other personal consumer reports

I got a notification from credit karma that there was a hard inquiry on my account on XX/XX/year> of a captial one bank USA. This was NOT me and this is fraud! My XXXX XXXX shows that someone apply with a credit card under my name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I keep getting fraudulent information on my account even after they have the evidence. They remove it, then put it back on. They they let another company buy it and report the same inaccurate information. I've asked for copies of original contract with my signature. Payment history and all documents and also how the information was verified. They can't give me any documents because they don't exist. Remove, delete, and block those accounts. I've given several 30 day noticed and now am only giving 5 days  because you have supplied inaccurate information to companies requesting my credit report. I am now seeking civil damages for reporting inaccurate information. 
XXXX XXXX XXXX XXXX - {$17000.00} XXXX {$13000.00} XXXX- {$6200.00} XXXX XXXX - {$490.00} XXXX- {$700.00} XXXX XXXX- {$0.00} balance, paid as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Account # : XXXX Wondering why you are reporting that I am 120 days late? Please also provide through this system the date of 1st delinquency, or the day/month/year I was 30 days late and never again came current? 

Why are you still reporting this account? Personally, this account seems to have aged out and can no longer legally be reported!! 

Furthermore, You have not supplied TransUnion with a date of last payment, you have left it blank, therefore another FCRA infraction.
Product: Checking or savings account

Dear CFPB, In asking for your assistance, I am seeking resolution to an unfortunate situation with XXXX, by XXXX Bank XXXX ( XXXX : XXXX. ) Today is XX/XX/2023, and XXXX Bank XXXX has been in possession of ( XXXX ) cashier 's checks that were intended to fund XXXX accounts opened via web portal, on XX/XX/2023. 
Access to the new accounts was subsequently locked, in their yet unfunded state. 
Any security concerns have been acknowledged as cleared by the Bank, as of XX/XX/2023. Quite likely sooner, as the completed affidavit was returned on XX/XX/2023. ( See attached documentation for details. ) The status of these deposits is still in limbo, even though the Bank acknowledged receipt of the funds, and placement in their respective accounts, via XXXX correspondence indicating ( XX/XX/2023. ) XXXX account remains open, showing XXXX balance ( OSA. ) The other, an XXXX month XXXX of XXXX was subsequently closed, flagged as " unfunded. '' ( Email dated : XX/XX/2023. ) Furthermore, after much research, it appears this is a recurrent method of operation, with unsuspecting customers. ( a.k.a., victims. ) Withholding deposits, locking account access, or otherwise stalling using XXXX XXXX in conjunction with " terms of service '' effectively lowers the XXXX, as advertised. This basically wipes out any monetary advantage gained by depositing funds with XXXX, versus their competitors. 
In simplest terms, I've been " screwed '' out of approximately XXXX week 's interest, even though the Bank has agreed to credit my ( XXXX ) cashier 's checks into the remaining account, if I CONTINUE TO WAIT. For what?? 
A somewhat less than equitable solution to my dilemma would be for the Bank to IMMEDIATELY credit the afore-mentioned funds, in their entirety, to the remaining OSA. 
Immediately means today, rather than XXXX to XXXX more days, yet again. 
Otherwise, the sum of my funds should be PROMPTLY returned via Bank check, to the address on file, which was provided when the accounts were originally opened. 
Promptly, means I will not find it necessary to place XXXX fruitless calls to " Customer Service, '' or file another complaint with the Regulators. 
No more perpetual loops of " Call, Wait & Repeat. '' Most average citizens like myself, can not endure the stress, suspected loss, or forfeiture of their life 's savings over these unnecessary hijinks. 
In what reality does it take over XXXX weeks to make a simple deposit into a savings account?? 
Also, do not attempt to purport that the Bank reached out via phone call, or email without response, to retroactively justify the delays. 
Please take time to review the attached documentation, as it will provide the information relevant to the accounts. 
Personally, I will be returning to XXXX XXXX XXXX, as this has been a horrific, and totally unexpected learning experience.
Product: Mortgage

The mortgage company continues to make it difficult for me to get assistance online and I still can not get into my account online. When I attempt to ask for a new password, I get a message that I need to call ; I 'm then connected with their aggressive collection oriented " customer service ''. These people are combative and abusive in tone and have not been helpful and can not help with a password reset. The company sent me letters asking me to log on for loan assistance and when I tried, I was looped back into the scenario ; get your password, password link does n't work, call " customer service '', get collections people who do not help and tell you to call for help resetting password. These " customer service '' people are not even kept up to date with letters that were sent to me from the company which I tried to seek clarification on. They had no records or copies of letters and had nothing to offer by way of assistance but continued with collection techniques.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX called XXXX Goldman Sachs Bank. Spoke with XXXX, a supervisor. He escalated the complaint and said I would receive a call back by XX/XX/XXXX. Case # XXXX assigned. 

XX/XX/XXXX received a call back from XXXX, a supervisor. We spoke for approximately XXXX XXXX. 
XXXX. I asked XXXX to read out loud the copies and content of the copies of information I has mailed to XXXX Bank providing proof the account was not included in the bankruptcy filing. The proof included a copy of my actual paperwork submitted for the bankruptcy petition. He was able to confirm this information to be true and correct. XXXX Bank had reported to all XXXX credit bureaus that my account was included in the bankruptcy. 
XXXX. I asked XXXX to confirm my payment history on my account prior to the XX/XX/XXXX closure by XXXX Bank as a result of the bankruptcy being reported to the credit bureaus. He confirmed the account was in perfect standing and had a {$0.00} balance at the time of closure. As a result, I asked to have the derogatory remark of a Charge Off that XXXX Bank reported in XX/XX/XXXX to all XXXX credit bureaus, removed. He confirmed this was erroneously reported. 
XXXX. XXXX Bank also reported that late payments of XXXX  days and XXXX days occurred on the account. This is completely false and is still being reflected on all credit bureaus today. 
When the erroneous Charge Off was reported in XX/XX/XXXX, my credit scores declined by XXXX points and despite my never being late on any payments to any credit cards, my scores have not fully recovered. 
I have submitted multiple disputes with all XXXX credit bureaus since XX/XX/XXXX and directly communicated with XXXX Bank and still do not have fully corrected credit reports from all XXXX bureaus. This incorrect information continue to prevent me from getting approvals and opening new credit cards under my name.
Product: Checking or savings account

Serious breaches of duty, negligence, and failure by Wells Fargo to adequately assist me during a critical period of financial and emotional vulnerability. My account was compromised and a substantial amount of funds were withdrawn by someone without red flags being raised and in question along with new mailing addresses and phone numbers added within account to obtain my account numbers and information then new debit cards were requested and mailed to these addresses and activated to then begin use of my finances!!!