23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage loan was purchase FlagStar bank on XX/XX/XXXX and my first payment with them started on XX/XX/XXXX. At this point FlagStar bank stated that I need insurance for my condo, I have the HOA insurance and private insurance outside, which both were provided to the bank. On XX/XX/XXXX this bank force the insurance on my loan for the amount of {$1600.00}, making my payment jump from {$1800.00} to {$2000.00}. I called and provided a copy of the insurance. I made a every single payment early ( I am an XXXX that usually gets by XXXX of each month so I pay all of my bill for the next month ahead of time ). Well, they took my XXXX payment and put it as an additional payment to the principal because it was no enough to cover the {$2000.00}. I called in XX/XX/XXXX to let them know that my that money needed to be put as a payment and not as an additional principal because the payment should be XXXX, all late feeds need to be credited to my account, that they needed to fix the payment for the right amount without the insurance. They did an analyst to my account and it was determine that was the correct information and that every should be correct and my next payment should not be XXXX, but XX/XX/XXXX. I login at the end of XXXX to due my XX/XX/XXXX payment. We still have the same issue. Apparently, I still do not have insurance thru my HOA, again I upload a copy of the insurance declaration page to their website. Called again in XX/XX/XXXX to get my account fixed they told me again everything is taking care, and it was not. 
On XX/XX/XXXX I called on the XXXX, the XXXX, the XXXX and on the XXXX to get my account fix and noting was done on it. They keep placing late payment on my account and not correcting the balance of my account. 
I made all payments by XX/XX/XXXX at XXXXXXXX XXXX, and still can not make my XXXX payment because of their poor account. 
I have worked with this company every single month since XX/XX/XXXX, and they are unable to correct their accounting errors. I was diagnosed with XXXX on XX/XX/XXXX, and my XXXX is really XXXX, I can not sleep, can not eat, my XXXX is to the XXXX. This situation is really frustrating, I called every month to get fix and still not fix. I do not know what else to do. Please help me, please. 

Thanks
Product: Credit card or prepaid card

I applied for a store credit card at XXXX XXXX and auto in XX/XX/2019 when I purchased a set of tires. The card was issued in the wrong name which caused a delay in getting the first statement. I paid the entire amount due upon receipt of the initial statement which was received by me after the due date but before the billing cycle close date. I have sent several notices to their secure message system with regards to the incorrect name on this account and I have not received any relevant replies regarding action on my request to change the individual name on the account to the name of the individual that filed the credit card application ( myself ) and conducted the lone credit transaction associated with this account. I have also talked with multiple customer service representatives via telephone regarding the erroneous billings, but they state that since my name is not the name of the person on the account, they can not help me, even though I am the person who applied for the credit. I could tell an untruth and say I am the person whose name is on the account, but I refuse to state that I am someone who I am not. 
The error still has not been corrected after six months of repeated attempts. This atrocious service reflects very poorly on XXXX XXXX XXXX in general and Citibank in particular. The name listed on the account is not the name of the person that applied for the credit card account. The error in billing name caused by Citibank and XXXX XXXX  and/or one or more of Citibank 's and XXXX XXXX representatives has caused delays in receipt of statements and notifications sent by Citibank to the account owner since the correspondence is not addressed to the account applicant/owner. In addition, this error and inability or unwillingness for Citibank to correct its and/or Citibanks partners mistakes has caused undue duress, frustration, time, and costs associated with repeated attempts to pursued Citibank to correct Citibank 's mistake. This error caused wholly by Citibank resulted in the accumulation of late fees and interest fees that otherwise would not have resulted had Citibank conducted its activities in a prudent manner. 

Due to the egregious error and blatant disregard to my previous requests to correct the error made by Citibank, under the provisions of the Fair Debt Collection Practices Act ( FDCPA ) and pursuant to 15 U.S.C 1692g ( a ), I have written to inform Citibank that I dispute the validity of the debt in its entirety. According to my understanding of the provisions of the Fair Debt collection Practices Act ( FDCPA ) they must stop any and all contact with me until after my dispute has been investigated and they have provided proof of the debt in writing to me. However, they have continued to send statements indicating amounts due without provided requested proof. I have asked them to stop contacting me until the requested proof is provided, but they continue to violate the consumer protection laws with repeated contacts.
Product: Credit reporting or other personal consumer reports

I am contesting the presence of inaccurate personal information on my credit report. The following information does not pertain to me, and I have no association with it. I request the immediate removal of this information from my credit report. 
XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, VA, XXXX
Product: Debt collection

I have been trying to have this removed from my XXXX credit report since XX/XX/XXXX. This is not me, I have never lived at the address that is provided by the company XXXX XXXX. They are also using my maiden name which I have not used since XXXX and they are claiming that this account was opened in XXXX. The only way that I have received communications from this business is through a previous dispute on this website and through XXXX. I do not know how to prove this isn't me beyond what I have already done which is dispute this over and over again. I am not going to give XXXX XXXX, Amsher Collection Services, or XXXX XXXX any of my personal information as they are clearly fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

General Council Experian This letter serves as a final warning regarding violations of federal law and Experian arbitration agreement concerning my credit file, especially in light of the recent massive data breach. 

Despite repeated disputes with valid evidence, Experian continues reporting inaccurate, unverified information including : - Erroneous late payments on XXXX XXXX XXXX XXXX - Inaccurate charge-off on XXXX Account XXXX - Reporting verified income as a negative XXXX Account XXXX - Omitting full 72 month history of XXXX paid off XXXX XXXX XXXX XXXX & XXXX - Unauthorized, Unverified collections account XXXX XXXX XXXX - Multiple unauthorized hard inquiries without my consent XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX In addition to these violations, the recent Experian data breach resulting in theft of consumer information underscores the companys inability to protect sensitive data. As one of those consumers I demand this be rectified asap. 

These violations break numerous Experian arbitration agreement clauses and constitute negligent security practices under the FCRA.
Product: Credit reporting or other personal consumer reports

I have a bankruptcy listed in my credit reports. Sent letter to remove it off of my credit report due to it being inacurate. The court recorder /court house sent me a letter and contacted me and stated they never verify nor give out Information to any companys or credit bureaus. The credit bureau stated they verified my information on XX/XX/2024. Its a violation of FCRA to provide inaccurate information or non verifiable information. And I demand it be removed from my credit reports. Ref # XXXX bankruptcy XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX XXXX XXXX XXXX on XX/XX/XXXX and XX/XX/XXXX, and no one has been able to help me. Experian has not removed the this consumer from my credit report, despite my dispute requests. This is an account that was removed in XXXX once I paid the account in full. The consumer is unable to locate my account ( Account # XXXX ), but Experian says that the consumer is requesting for the account to stay on my report. I'm not sure how to have this removed from my credit report when the consumer can not locate the account, but Experian is advising that the account is valid. Please assist.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. They are furnishing inaccurate information on my credit report 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C 1666b A Creditor may not treat a payment on a credit account under an open-end consumer credit plan as late for any reason. 

I have attached a screenshot of my credit report, highlighted in red is all the information they are furnishing that is inaccurate & unlawful for account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I dont own these companies any money I never sign any contract with these companies so therefore I would like these charges be taken off my credit report.
Product: Credit reporting or other personal consumer reports

I reviewed my consumer reports and noticed that i had two late payments on an account that i was never late for. The consumer reporting agencies have assumed a vital role and have a resbonsibility to report consumer information to the best of their ability with maximum accuracy. I have never been late on payments for the accounts that i have included screenshot inside this complaint in on dates of XX/XX/2023 XX/XX/2023. Please investigate and provide proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to paid as agreed on time as they should be due to the fact i was never late. Thanks! Please see screenshot attached :
Product: Debt collection

XX/XX/2020 Received a call from my county Court House stating he was a investigator XXXX from XXXX XXXX County Court ( ( XXXX ) XXXX. I called the court house and clerk was not able to located any case against me nor a investigator XXXX that might of called from there, she didn't understand. He stated he had a affidavit and needs to present a summons before it is presented to court he left a message for me to contact attorney office in New York ( XXXX ) XXXX to resolve and get information. Called a XXXX answered stating he was from XXXX XXXX and that I owed money to Ace Cash Express. Never received any paperwork stating of my debt from the actual company. He told me if I didn't resolve it they would go to my home and employer and I will be prosecuted. I mailed them a Money order for the amount of {$530.00} they wanted more and the settled due to fees and so forth. I mailed it to them because I recalled having a loan out several years ago and maybe thought I didn't take care of the payment. Then I did my calling to Ace Cash Express asking for a receipt that the debt was taken care of and they told me they don't take cases to court for payday loans and the amount I owe is only {$310.00} and they did not receive any payment from me. Till this day they have not received a payment. My account was sent out to several collection agencies I called all of them phone numbers were provided and this office is not one that they work with.
Product: Checking or savings account

XXXX XX/XX/XXXX Chase Bank {$4300.00} was debited from our checking account. It was noted as a " Debit DDA Check Charge ''. 
I immediately called the bank and spent an hour or so being shuffled from one person to another. I received no answers to what the issue was due to their being an absence of any dialogue associated with the charge. 
I made several phone calls over the next few days. On XXXX, XX/XX/XXXX, I was informed an email was sent to the " compliance '' dept and that I would receive a response within 24 hours. That did not happen. 
XXXX XX/XX/XXXX I called this morning to follow up and was told, once again that an email will be sent to the " research '' dept and it will take 2-3 business days for them to even respond with what may have happened. I am not allowed to even be CC 'd on the correspondence.

There was never any correspondence stating that there would be a charge to our account. They just took it.

The only thing we think may have happened was my niece was recently scammed and filed a fraud complaint. There were 12 checks cashed within one week. The only connection we have to that is that my mother is on both accounts. 
My niece received a letter on the XXXX stating the situation was resolved and no further action would be taken. This is, however, only speculation as there are no notes associated with the {$4300.00} charge. 

We have excellent credit, no outstanding debt and have been in good standing with them for 20 years. 

I am worried that we will not get our money back.
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. 

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

15 U.S.C 1681 Section 604 A Section 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: Debt collection

They call me from several different phone numbers but it is the same company. They call about every two hours during XXXX-XXXX. As soon as I put a block on one they call me from another phone number. I have asked for them to stop calling me as I work XXXX and every time they call they wake me up. On the calls that I disregard there is no message left on the voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a XXXX credit card for years, account number XXXX XXXX XXXX XXXX. Unfortunately in XX/XX/XXXX I ended up in a divorce. The Courts gave me ALL of the marital debt, at the same time I lost the job I had had for years. I used up all of my savings and resources by the middle of XX/XX/XXXX. I contacted XXXX NUMEROUS times in an attempt to work out some kind of payment plan but no agreement could be reached. Finally I gave up and turned my account over to a consumer debt settlement company and In XX/XX/XXXX, began making monthly payments upon acceptance of the {$9900.00} settlement of the {$28000.00} balance. At that time my account correctly showed that you had charged off my account or at least XXXX as a loss and my credit report correctly reflected this. 
However, XXXX continues to show this every month on my credit report statement and this is not the true reflection of my account at present. XXXX agreed to a settlement and I am paying this settlement as agreed. I respectfully requested numerous times that you simply reflect accurately the current state of my account. As recently as XX/XX/XXXX of  this year XXXX continues to report my account status as delinquent 90 days+.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following items are reported on my credit report without my permission, in violation of federal law. As required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), these items must be verified ( A ). I will bring legal action against you if you do not verify these items. To help this situation be settled as quickly as possible, kindly uphold the law. I need the following items to be updated or removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

On XX/XX/XXXX, I disputed through CFPB that this account was not mine. In those 15 days, they've done NOTHING. It doesn't take that long to verify an account. I requested specific documentation, which would leave GS SERVICES 15 days remaining, to provide me with this documentation. FCRA does give 30 maximum. I requested all documentation ( not an invoice ) showing even a contract bearing my signature ( FCRA 609 ) - they have no contract. That being stated, what proof were you given that this account was even opened by me?! I gave them police report number, and FTC report. Which gives a time frame that collection agencies have to remove an account. Same for bureaus. The collection was given to your office in XXXX YET I still have XXXX XXXX   currently in my name. FCRA 609, 823 - provide me the contract bearing my wet signature or delete it immediately.
Product: Checking or savings account

Never hit my problem fixed it just disappeared for 90 days and then went back to a negative balance that I did cause
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several unauthorized inquires on my credit report which I Did receive any lines of credit nor am I familiar with the companies. I have listed the dates and companies of the inquires below Company : XXXX XXXX Date:XX/XX/ Company : XXXX Date : XX/XX/XXXXCompany : XX/XX/XXXXL Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XX/XX/XXXXDate : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX Date:XXXX Company : XX/XX/XXXX Date : XX/XX/XXXXCompany : XXXX Date :XX/XX/XXXX Company : XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXXXX/XX/XXXXCompany : XXXX XXXX Date:XX/XX/ Company : XXXX XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXXXXXX XX/XX/XXXX Date : XX/XX/ Company : XX/XX/XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company :XX/XX/XXXX Date : XX/XX/ Company : XXXX XXXX XXXX   Date:XX/XX/ Company : XXXX   XXXX Date : XX/XX/ Company XXXX XXXX XXXX   Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XXXX XXXX Date : XX/XX/ Company : XXXX Date : XX/XX/ Company : XXXX XXXX Date:XX/XX/XXXXCompany : XXXX XXXX XXXX XX/XX/XXXX Date:XX/XX/ Company : XXXX Date:XX/XX/2019Company : XXXX Date:XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ Company : XXXX XX/XX/XXXX Date :XX/XX/XXXX Company : XXXX Date:XX/XX/XXXX Company : XXXX Date : XX/XX/ There are also different accounts on my credit report that I did not authorize. I have listed them below. 

Account Name : XXXX XXXX  Account # XXXX Amount : {$820.00} Account Name : XXXX XXXX Account # : XXXX Amount : {$2000.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX : XXXX Amount : {$180.00} Account Name : XXXX XXXX XXXX XXXX Account XXXX XXXX Amount : {$530.00} Account Name : Untitled { Medical ) Account # XXXX Amount : {$1000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Returning from military duty XX/XX/XXXX. Did not authorize or open this account. Have previously opened an identity theft claim on identity theft.gov
Product: Mortgage

My mort gage company is Ditech mortgage I received documents on     XXXX   XXXX   XXXX   from  them advising my mortgage modification was approved and the 1st payment of {$690.00} would be due  XX/XX/2016 . I 've completed the three trial payments and is currently making my monthly mortgage payment. I have called monthly requesting my final modification documents. Customer Service  always state they are   processing those documents. It has been 5 month since I completed my trial payments. Please assist me with obtaining the final modification document. I also have not been receiving a mortgage statements. I would appreciate your assistance with this urgent matter.
Product: Debt collection

Was not aware of this debt. Source management sent a letter to inform me of this. I talked to them and got nowhere. I have yet to see any proof that I owe this debt. When I asked for proof they said I had to write them a letter to ask for it.bif they have documentation they should provide it. Also this XXXX XXXX  XXXX XXXX Has not provided any documentation that shows I have any knowledge of this. One would think that source receivable would not just take XXXXXXXX XXXX request without confirmation. The nay thing I got from source management that XXXXXXXX XXXX sent them something that said it was a write off. I have no knowledge of that either. 

I have no documents to attach
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the Fair Credit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureaus ( CFPB ) the document needed and the letter from an advocacy group helping me due to XXXX XXXX debt XXXX, which falls under XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX XXXX XXXXXXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

My account went into the negative the day following XX/XX/XXXX following XXXX XXXX XXXX. US Bank sent me an alert at XXXX XXXX  that my account was at - {$9.00}. Upon seeing the alert I transferred {$110.00} from my savings account into checking. The following day four overdraft fees from the weekend posted bringing my account back into the negative. Having assumed these fees would not post I paid my gas bill, and got lunch on XX/XX/XXXX which incurred two more overdraft fees. I believed it was a processing error since I had the funds to cover my purchases, and that it would be fixed. 

When it was not fixed by Friday XX/XX/XXXX, I called customer service and attempted to get the fees reversed. I was informed that my transfer from savings did not post until end of business, unfortunately I do not have any receipt of when the transfer was made. I had to call three times, as twice my call was dropped when I tried to speak with management. 

I'm extremely disappointed in the complete lack of service or flexibility. I would like to close my account but browsing complaints here, am afraid I will be charged fees for it.