23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX credit bureaus must validate these accounts in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and updated or removed from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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: Consumer Loan

A fix interest rate that change all the time. I was to pay back XXXX in interest by the contract and pay back XXXX fillers in a fix interest loans
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which is found to be fraud due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records. Please block/remove these items. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

In XX/XX/year> I was in the process of refinancing my second mortgage that was with XXXX XXXX XXXX . On XX/XX/year> Hurricane Milton hit our home in XXXX, Florida and we were forced to evacuate. During this time XXXX put our second mortgage into Natural Disaster Forbearance as we assessed all damages and returned home. While we were in Forbearance XXXX reported us as 30-days late to Equifax, XXXX, and XXXX , dropping my credit report by nearly XXXX points during a natural disaster. This predatory practice inflames an already tragic event and time when people are hurting. I called XXXX  to have them remove the 30-day late which they refused to do. I called the credit bureaus and opened a dispute. All 3 deferred back to XXXX who confirmed the inaccurate 30-day late report. I have since refinanced the loan but the incorrect reporting remains. You will see on the reports under special comments : " Effected by Natural Disaster ''.
Product: Credit card or prepaid card

I Have sent the Right to Rescind, Affidavit of truth, & All accounts prepaid affidavit on the XXXX of XXXX, delivered XX/XX/XXXX. Credit card balance of XXXX. Accepted and returned bill to sender as Mutual offset credit exemption settling & satisfying the account NOT CLOSED.
Product: Checking or savings account

On XX/XX/2019, I was in XXXX XXXX XXXX, XXXX while returning to my hotel i got into a cab and then the driver proceeded the wrong way. Soon after he stopped and a second man entered the back seat and put a burlap sack over my head. Then took my belongings which were My I-phone, and Phone case which contained my Dr Lisc., Regions Bank Debit Card and XXXX  Credit Card . Then they drove around while accessing my phone via facial recognition getting into my accounts and asking me questions like passwords and pin numbers and how much money is in my accounts. After they were satisfied they drop me off on a random road about 30 min drive from my hotel. I then ran down the street looking for a gas station or somewhere to call my hotel ( XXXX XXXX XXXX XXXX XXXX ) at this point that's all i thought i could trust to pick me up. As i had no money or ID on me anymore. I found a gas station the worker was really helpful as he didn't speak any english but realize i was in distress and not from the area he let me use his cell phone and looked up the hotel phone number to call. Hotel picked me up and took me back upon reaching the manager on duty around XXXX XXXX was there and told me get some rest and when i wake up he would have the head of security ( business card attached ) to escort me to the police station and translate my story to them. ( XXXX Police report attached ) When able to gain internet access, I saw that my Regions account was emptied and cancelled my ATM card. 
I have repeatedly contacted Regions Bank but have only received two identical form letters ( attached ) as a response. Both letters denied my claim and stated " Transaction verified with your card credentials. Transaction passed fraud analysis '' I have requested further details as to why the claim was denied and discuss with a manager but have received no response after 3 phone attempts and one visit to a local branch Although the fraud was reported in less that 48 hrs. ( Regions email attached ) I have been unable to find anyone to help in resolving this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

attached is the CERTIFIED MAIL FROM USPS XXXX. Equifax is discriminating against me and refuses to pick up my mail that i sent. Its been over 60 days and no response nor results!!! This is illegal and blatant violation of my federal rights. 15 U.S. Code 1681c2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been well beyond 30 days and you are in VIOLATION of this law because I am victim of identity theft!!! Please delete these items as soon as possible! 

XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX XXXX XXXX XXXX options Account # : XXXX XXXX XXXX XXXX  Open options Account # XXXX XXXX XXXX XXXX Open options Account # XXXX These accounts should not be furnished on my consumer report as they are in violation Under 15 US Code 1681b - A consumer reporting agency may furnish a consumer report for employment purposes only if ( A ) the person who obtains such report from the agency certifies to the agency that ( i ) the person has complied with paragraph ( 2 ) IN ACCORDANCE with the WRITTEN INSTRUCTION of the consumer 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 protected consumer. No CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts IMMEDIATELY.
Product: Debt collection

I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Professional Debt to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.
Product: Checking or savings account

A loan company mistakenly place funds in my account and also took payments for the loan back I did not discover it until a second payment was taken out my account. I was instructed after they refunded me my 2 payments given to the loan company that they would send the loan back to the loan company I needed to sign a document and take it to a local branch I went to Chase on XXXX XXXX XXXX XXXX to close that account an open a new account. That to the best of my knowledge went okay then not longer then a day that funds did not goto the loan company it was placed back in my new account. Let me back up funds that was in the old account the loan and my regular balance of maybe {$120.00} was in there. I had sent {$20.00} by XXXX before that account was closed. So to my knowledge and confirmation the {$20.00} was sent but the new account was so unbalanced and no statement was generated for this month of XXXX so I fell victim to them saying what they kept doing taking funds out without permission and them XXXX Chase XXXX admitted there was a system error they admitted but could not add XXXX so they gave me a balance of XXXX. {$500.00} the loan that the loan company refused to take back and $ XXXX {$140.00} dollar not placed back in my account. Went to branch and talked to Branch Manager an office staff but one transfered and the other after several messages will not return my call. Which makes this branch suspicious since when I called the chase by phone they said this branch was the one that restricted my account and left no note as reason why please help I have been trying to recover my funds for over a month and keep getting the run around. I find it odd it funds were in the old account in XXXX why wasn't a statement generated?
Product: Debt collection

I paid the amount that was ordered by my Attorney XXXX XXXX for my bankrupty that was filed XX/XX/2015. I was told by XXXX XXXX to pay my payment of XXXX monthly and the bankrupty court was also collecting payment each on this account. I do have my receipts for the payments I made and also proof for bankrupty court collected.as my attorney instructed me to do so. I was told by Vanderbilt Mortgage agent that they were going to foreclouse on my house in XXXX XXXX XXXX XXXX. I was making to payments a month on this loan how could I be behind that is why my Attorney made sure I was paying my payment each month me and my daughter paid. I paid XXXX where was that money applied. Where was the money the bankrupty court sent to them applied? They told me I am XXXX behind and that is what I need to pay to catch up on my account, they are foreclouseing on my house. They are reporting to the credit bureaus that I am 30,60,90 days and behind on payments. I asked for a mofification and they denied me because my income was not enough and I got this house with the same income I have now but my daughter help with my income so I have more income and was told not enough. Please help me with this mortgage company.
Product: Mortgage

XXXX acquired our mortgage and was charging our escrow account PMI even though our closing disclosures and transmittal paperwork showed that we were not supposed to be paying PMI. We received a notice and an escrow analysis showing that our escrow account was in the negative and XXXX was going to raise our mortgage payment by approximately {$400.00}. We contacted XXXX in XX/XX/2019to correct this error. A case was opened to remove PMI and have the escrow account refunded as we were never supposed to be paying PMI. We have been battling with XXXX for months now to correct their error. Their customer service is horrible. They do not follow through with their customers to help resolve issues. We have provided them with our closing disclosures to prove that we should not be charged PMI and also compared them to the documents they have on file. All of these forms support the fact that we should not be charged PMI. It is now XX/XX/2019and there is still no resolution. We have made our payments to them and they are holding the funds without applying them to our loan, which has made our loan appear delinquent. We have called them numerous times and been given the run around. We were assured that this issues would be corrected and it is still unresolved.
Product: Credit card

I am a huge XXXX XXXX consumer. I love the store. I have their close loop store credit card that I use weekly. I signed in to pay my monthly credit amount. The store card showed I had a XXXX balance, which I knew was not accurate. It took me a while to figure out that there was a drop-down arrow. When I clicked on it I could see a Visa account that showed my balance on it. I do now have a XXXX XXXX XXXX. I have declined every time the cashier has asked me to open one. I have worked very hard to keep my spending in check and keep my credit score high. I do not want another Visa. But there was a Visa account in my name with a balance on it. To make matters worse, I clicked on it to pay it and a big XXXX XXXX came up that said I have NO MINIMUM AMOUNT DUE. 
I am furious. The interest rate, like all credit cards, is high and I would have fallen for this. 
I called Citi Bank to discuss this and got nowhere. They said I was sent a letter saying this was going to happen. I never received such a letter. And I was never sent a card ... which is even weirder. It shows xxxxxxx on the online statement account so I can't even provide you my account number as requested on the next page of this complaint. 
I hope you can look into this. Seems very sketchy.
Product: Debt collection

I am receiving emails from a debt collection agency called MarineOne in XXXX, XXXX which I believe are intended for someone with a similar name in a different region of the country. I reside in XXXX and have never stepped foot in XXXX. At issue seems to be a loan payment on a boat, and I've never purchased a boat. Despite informing them of their error as a courtesy and requesting they not contact me, they continue to do so and have indicated that they do not intend to stop. I would very much like some indication of what rights I have and what I can do to convince them to stop contacting me.
Product: Checking or savings account

On XX/XX/2024, Navy Federal Credit Union blocked my access to my banking and closed my accounts after I logged in using a new browser. I called and was notified to call later, the following day I called upon opening and confirmed all of my log in information which included the exact times of the login that was made ( confirmed by customer service ). 

They then told me to send them an email with : XXXX. Full Name : XXXX. Access Number : XXXX. Reason : Online Banking Unlock XXXX. Latest IOS Version ; XXXX. Picture of photo ID XXXX. Signature signed 3 times I was told that I would be contacted within the hour. They never contacted me, so I called once again and they said they couldnt find the email, even though I provided everything. They then said after another call that they needed the information sent another way ( handwritten, all in XXXX page ). I sent it once again and provided all the required information to reinstate my account. They said they would get back to me. They still have yet to reinstate my account access after confirming my identity and providing all the required information. I cant access my accounts which includes a credit card, debit card, and savings account. Its hard to get in contact with that department and this short process took over XXXX hours with phone wait times. I am overseas and cant walk into a branch, but have provided all the proper ID to confirm my identity and reinstate my account. They arent doing that and tell me to keep waiting. It shouldnt take this long to have access to my bank accounts.
Product: Credit card or prepaid card

I have numerous fraudulent charges on my child support account. The fraudulent charges in the month of XXXX have taken all the money that was deposited. I have called Eppicard customer service 6 days in a row, all this past week, to speak to someone regarding these charges. No one ever answers the phone. Since I have reported my card stolen, it has been deactivated and now I can not even access the phone assistance to try and speak to a human. I am missing $ XXXX out of my son 's child support and no one will answer a phone to help me. This is the worst customer service, especially on a financial side, that I have ever had to deal with. It is unacceptable. If they don't have enough people to man the phone lines, they should provide an email address or form to fill out.
Product: Credit reporting or other personal consumer reports

( 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 's inaction violates federal law and my rights as a consumer. ( 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 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 
To following information on my credit report is the result of identity theft and should be blocked : Inquiries : XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to inform you of my dispute regarding the account listed on my credit report maintained by your company. I assert that your company is subject to the arbitration agreement as stated on your company 's website, as well as the arbitration procedures provided by XXXX I am fully aware of the financial implications associated with initiating arbitration proceedings, and I am extending you one opportunity to resolve this matter amicably. My settlement demand is as follows : Payment of {$6000.00} to compensate for the XXXX XXXX, XXXX XXXX XXXX, and financial hardship that your actions have caused me. Deletion of the trade-in entry from all credit reporting agencies where it is currently listed. I want to emphasize that the costs associated with initiating arbitration proceedings, including filing fees, arbitration initiation fees, arbitration deposits, and any legal costs incurred throughout the arbitration process, will be significant. As per the arbitration procedures outlined on the XXXX website, you will be responsible for covering these costs, which could amount to tens of thousands of dollars. Failure to comply with my demands will result in the initiation of arbitration proceedings. I want to remind you that your continued collection activities may constitute a violation of the Fair Debt Collection Practices Act ( 15 USC 1692c ( c ) ), which prohibits communication through mediums other than mail upon request. I expect a prompt response within 15 DAYS, confirming your acceptance of my settlement terms and detailing the steps you will take to comply. If I do not receive a satisfactory response within this timeframe, I will proceed with arbitration without further notice. Please send all correspondence related to this matter to the address listed above.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, OH XXXX XXXX Social Security Number : XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX TransUnion XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Request for Removal of Unauthorized I identity theft Hard Inquiries Dear XXXX, Transunion, XXXX I am writing to formally request the removal of unauthorized hard inquiries from my credit report. After a recent review, I discovered several hard inquiries that I did not authorize, and these are negatively impacting my credit score. 

The unauthorized Identity theft inquiries are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXTransUnion XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX - XX/XX/XXXX - TransUnion XXXX. XXXX XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXX -TransUnion XXXX. XXXX - XX/XX/XXXX - XXXX XXXX. XXXX XXXX - XX/XX/XXXXXXXXXXXX XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX - TransUnion Under the Fair Credit Reporting Act ( FCRA ), ' have the right to dispute any information that I believe is inaccurate. Since I did not authorize these inquiries, I am requesting their immediate removal. To assist with verification, I have enclosed a copy of my ID, a recent utility bill, and a copy of my credit report with the inquiries highlighted. 

I have a FTC REPORT Submitted to the CFPB Please investigate these inquiries and remove them from my credit report as soon as possible. I would appreciate a confirmation once the removal is completed or any further steps I need to take to resolve this matter. 
Thank you for your prompt attention to this issue. 

Sincerely, XXXX XXXX
Product: Vehicle loan or lease

Im requesting a 1099c form from the creditor please provide
Product: Mortgage

Fee 's changed from last Loan Estimate disclosed to the Final Closing Disclosure at closing. I addressed this with my loan officer and processor but processor was rude and not very unresponsive and Loan Officer told me the fee 's where re-disclosed to us but they were not. 
Last LE disclosed to us on XXXX had : Final Inspection of {$100.00} in B section, Lender Credit of {$290.00}. 
Final CD at closing on XX/XX/XXXX had : An a .03 % charge for points in the amount of {$39.00}, Final Inspection charge was {$150.00}, Lender Credit of {$50.00}. 
Rate lock had to be extended because the processor did not work on the loan in an efficient time with the date we were supposed to close ( XX/XX/XXXX ). The loan officer told us she could do a free 10 day rate lock extension, that did not happen. Whenever they wanted any documents we would send them right away, so we were not the problem with the hold up for settlement and rate should not have needed to be extended if the bank would have done their job. Title was done, we had insurance, all we were waiting for was the bank. We had the worst experience and would not recommend this bank to anyone.