23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lender is attempting to force place insurance for the 2022 year. We sent them the binder that required immediate payment over a year ago when they took over the loan from the previous servicer. They did not pay it nor did they ever send me any notice about this. They increased our payment this year due to this and they have not applied my XXXX payment to my mortgage, they have it sitting in a holding account because they say it is not enough. They also charged me a late fee on that XXXX payment. I have been calling every two days since this began at the beginning of XXXX. I sit on hold for hours and keep being told that someone is reviewing this and will call me back and no one ever has ... XXXX payment has not been made yet and I want his resolved immediately by the Planet home lending company reversing any and all forced placed insurance as we have always had coverage ... except for when they did not pay the bill... the insurance agent myself and my wife provided them the binder and again they did not pay it... It took several times again this year to provide them the updated binder and this is unacceptable as they are the party making the payments... 

I would not be surprised if you have had complaints of others sending in insurance binders and there being communication issues of them receiving or communication within the company. It took several times reaching out for them to confirm they received information. Only after I was able to confirm they received current info did they some how go back in time to bring up two years ago to try again to force place their expensive insurance on me. 
I feel like they are trying to sit on this to figure out some way to back charge and force place insurance on me because of their incompetency. 

We need this resolved immediately..my loan # is XXXX they are an absolutely a horrible servicing company and they should not be handling anyone 's loans! this is very frustrating. this has taken my wife and I over 40 hours and still no resolution...
Product: Credit reporting, credit repair services, or other personal consumer reports

Between the months of XXXX, XXXX, and XXXX of 2017 an unverified account with XXXX XXXX for {$2600.00} was investigated and deleted from credit reports. The account has been reinserted on my credit report under XXXX XXXX XXXX for {$2600.00}. Once XXXX XXXX ( whom I  have never had contact with or have a contract with ) received notice of my disputing this account with them, they sent me a letter concerning this previously deleted unverified account. Furthermore, I was not given the opportunity to contest this information before it being re-reported because I did not receive my five business day notice that this information was being re-reported on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed the incorrect information on my report twice with no one reaching out to correct information and no updated information on my report for many years. The disputes are disregarded/closed.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit score with Experian was XXXX and now it is XXXX. I tried contacting them to find out why my score dropped. I have not applied fir any credit. It is very hard to reach this company by telephone. I need to know why my credit score decreased. This is causing me a problem finding somewhere to live. Why did my credit score decrease on XX/XX/2022? 

I am submitting this complaint with my former address that was used at the time I registered with Experian. I am XXXX  at the present time due to landlord, XXXX XXXX deceptive business practices and gross negligence.
Product: Credit reporting or other personal consumer reports

This company is reporting canceled debt on my consumer report if we go to the IRS and we look at the IRS publication, the IRS defines a charge off or a 1099C as gross or ordinary income. Income does not get reported on the consumer report if income does not get reported on the consumer report why is a charge off being furnish as a debt and the IRS says by definition it is income this number becomes an in accurate account, under 15 USC 1681 EB, which speaks on maximum accuracy of the consumer report it must get deleted [ 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device ;
Product: Credit reporting, credit repair services, or other personal consumer reports

When I first found out that XXXX XXXX was reporting on my credit file I sent them a request for validation per my rights under the FCRA on XX/XX/XXXX certified mail.The item was removed from my credit report when they failed to validate. 

However they re-inserted it back on my report after it was removed, which is a violation of the FCRA as they did not notify me of the reinsertion. I informed Experian that they were in violation due to the reinsertion. Experian was in receipt of my letter on XX/XX/XXXX via certified mail and once again the item was removed from my report. 

In XX/XX/XXXX of XXXX again this company has reinserted the item on my Experian report ; and once again after sending another request for validation they removed. 

To my surprise, XXXX XXXX has REINSERTED AGAIN for the 4th time. In addition my latest request for validation was returned as undeliverable on XX/XX/XXXX. The address they reported to the credit bureau is a bogus invalid address. 

I've gone in circles with this company. It should not be this difficult for a consumer to get a proper validation response from them as requested. I've been dealing with this since XXXX, that's 4 years of deletions followed by re-insertions! Experian is equally to blame for not following FCRA reinsertion notifications required by statute. This item has been reinserted and allowed to be done so 4 times now and not once have they sent the required written notification as required by law within 5 days. From my research on the web it appears that NONE of the bureaus send out these notifications by policy. I found the re-insertions only by looking at my credit report. I have no where else to go than to request support from the CFPB to resolve this issue. 

I've enclosed copies of my latest reports from XXXX and XX/XX/XXXX. Should it be necessary I can submit previous reports showing that XXXX XXXX was reporting and then deleted. I've listed the report numbers below along with a date of the item reporting and then not reporting.
Product: Debt collection

Company : XXXX XXXX XXXX XXXX ( Original Creditor XXXX XXXX  ) Account Number:XXXX I requesting the Original Consumer Contract with my signature on it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), Section 611 ( 5 ) ( A ), you are required by federal law to verify through the physical verification of the original signed consumer contract-any and all accounts you post on a credit report. Otherwise, anyone could fax, mail, or email in fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the account listed above. Under the FCRA, unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. 

Promptly DELETE all information if you are unable to provide me a copy of my request.
Product: Credit card or prepaid card

On XXXX I was asked to apply for a Kohl 's account when I made a purchase at their store. I completed the application with the cashier and she issued me with an approved Credit Card number. I phoned the bank the next day and was able to change the mailing address from XXXX ( from my Drivers License ) to our XXXX  residence so the card would be mailed here. I received the card on XXXX XXXX. On XXXX I received a letter from Kohl 's stating they had " identified activity on my account that was uncharacteristic of my normal shopping patterns '' and that they were " unable to contact me by phone '' to confirm that I authorized said activity. I phoned and spoke to them. They claimed they needed me to prove I was me by sending them tax forms, utility bills and another form of identification. I have established credit in the United States with my bank, Visa credit and another Department store credit card. My credit score in XXXX regularly makes me eligible for offers of more and higher credit limits. I resented the fact that this was required despite my never having actually used the card and confirming with them that there was in fact zero " activity '' on my account. I spoke to the Supervisor who confirmed that they had " lied '' about the reasons they needed more information. I followed up with the Customer Service department by email on XX/XX/XXXX. They responded with an apology on the XXXX.Now I receive another letter today ( XXXX ) stating that again, they have " observed activity on my account indicating that it is not being used in a manner consistent with the terms of the account agreement. ". Again, I have not used the card and there is no activity on the account. I feel I am being unfairly bullied by the Kohl 's Customer Service Contact Center. I have not once been contacted by the Credit Department at Capitol One Bank ( the issuer ). Why would a major corporation lie about account use if they just need more information about the account holder? This an untenable way to treat consumers and their credit ratings.
Product: Credit card

To whom it may concern : I would like file a complaint regarding my XXXX Credit Card. OneMain As of XX/XX/XXXX I logged into the portal of XXXX to make my credit card payment- in which I found my credit card over the limit. In which my credit has never been over the limit. I investigated the transactions, in which charges reflect on my credit card that I didnt approve. On the same day XX/XX/XXXX I called in to file a dispute in which the dispute department was closed at that time. I then went through the process to freeze my account, and close out the current credit card and send me a new card, On XX/XX/XXXX I called XXXX to speak to the dispute department to advise of these charges that were on my account, The young lady advised she processed the dispute and here back soon. 

I then advised the young lady I need to make my payment in which is due on the XXXX - and the portal is not allowing me to make payment due to the freeze on account. She then advised I would need to speak to customer service, I said, okay, she then transferred me over to customer service, I spoke with a gentleman provided all my information to advise he was unable to locate my account? I advised sir! I just spoke with disputes and they were able to verify my account information, he said that he is unable to verify my account and no resolution. 

I then on XX/XX/XXXX tried to make a payment on the portal again, in which after 4 times it was successful. 

After making payment - I go back and look at my transactions, and come to my surprise another charge was approved on my card from the same merchant. I said how is this possible.? I froze my account and XXXX is sending me and her card. 

Well, on XX/XX/XXXX I called customer yet again in which this a process calling to obtain a representative I spoke with another gentleman, he couldnt answer why this happened, and she then said he is sorry, I then said could I speak to a supervisor? He said yes .. he then tried to get a supervisor on the phone, after 2 attempts to no success.. he then advised he would put a call back form in and the supervisor would call me back within the hour. Well, that didnt happen. 

Its now XX/XX/XXXX - no call back - Charges still reflect on card My credit is over the limit Its now reflecting on my credit report showing card over limit and my credit score was impacted. 

Charges in the amount of XXXX XXXX OneMain customer service is absolutely atrocious- the card is great! 
No resolution to the madness In hopes of me doing this I will have expedited resolution to the madness. I do not like file complaints, but this is beyond my comprehension, yet its impacted my credit, and also my money, Please assist if you are able XXXX XXXX
Product: Student loan

It has recently come to my attention that Fraud has been created under Title 12 United States Code 73 " Oath '' and that the alleged creditor has hypothecated for a loan. It has been found as a discovery for studying and applying laws that they know to be true, correct, and unrebutted by affidavits sent. CONDUENT EDUCATION SERVICES, XXXX under Title 28 Section 3002 ( 15 ) ( A ) e is a United States Corporation constructed in ALL CAPITAL Letters for which they are conducting business with an Ens Legis Artificial Person. The true Definition of a " Person '' is a Corporation. I am not an Infant as define by Internal Revenue Service Code 21.7.13.3.2.2 ( 2 ). If the matter is not resolved, under Title 12 United States Codes 83, and 582 I will conduct a lawsuit if they stay in dishonor. " Indeed, no more than ( affidavits ) is necessary to make the prima facie case. '' United States v. XXXX, XXXX XXXX, XXXX, XXXX ( XXXX Cir. XXXX ) ; XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX ; XXXX XXXX XX/XX/XXXX. Supreme Case Law and the affidavits stand as truth, The Affidavit was sent onXX/XX/2019via certified mail no. XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX and received XX/XX/2019. The Default Judgment received via certified mail no. XXXX XXXX XXXX XXXX XXXX on XX/XX/2019. See Attachments :
Product: Credit reporting or other personal consumer reports

I requested on XX/XX/2024 from Equifax, Full Disclosure 15 USC 1681g ( a ) ( 1 ) and stated that I didn't want another copy of credit report. As of date I am still waiting for the requested information.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( 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 accounts need to investigate and corrected for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXXXXXX XXXX Balance Owed : XXXX XXXX XXXX  XXXX XXXX Balance Owed : XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX After receiving each dispute/investigation results, for the accounts listed, the corresponding updated and verified report is carefully examined. 

It has been noticed, that the date last reported and the date last active concurrently reflect the same dates after each completed investigation, which means that you are ILLEGALLY re-aging these accounts. The date last reported should reflect when you " verified '' these accounts, but the date last active should NOT have changed because no payment was made to these accounts.

IMMEDIATE deletion of the two listed accounts for violation of my federally protected rights. 
I have listed each change in these dates, as well as attached supporting images, that reflect the submission date of dispute and the date that the report was pulled for review. 

XXXX XXXX XXXXXXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported XXXX the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX Report pulled XX/XX/XXXX Reported Date of Last Activity & Date Reported now relfect the same date of XX/XX/XXXX My dispute letters have been ignored by the listed collectors. The request to furnish a SIGNED contract to verify these accounts has never been fulfilled. Receiving no response makes these unverifiable accounts.

DELETE THESE ACCOUNTS IMMEDIATELY FOR VIOLATION. Both accounts have been ILLEGALLY re-aged.
Product: Credit reporting or other personal consumer reports

I am formally submitting this CFPB complaint myself, and to inform you that I was a victim of an Identity Theft. The fact is, I am disputing again the fraudulent items on my credit file. For some reason, I realized that the three credit bureaus failed to fixed it and I do not believe that these items belongs to me. These items should be deleted as a confirm of derogatory nor negative in my credit file. It seems impossible to consider as mine the fact they doesn't belongs to me. Kindly help me delete these following items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card

I open up a credit card with banana republic, which they offered a promotion where your received a {$30.00} dollar award if you make a purchase outside of Banana republic family of brands, which I did. I called up to find out why I did not received the award they stated : they do not do that even though I have documents that show they do.
Product: Credit card

Citibank closed 3 credit cards. Reason late payments and returned check These accounts were never late
Product: Credit card or prepaid card

On XX/XX/XXXX, I have received the attached e-mail from Citi ( attached ). According to that e-mail, I had until XX/XX/XXXX to renew my XXXX membership to keep my Citi Credit card account opened. 
Yet on XX/XX/XXXX, I have received another e-mail from Citi ( attached ), that states that my Citi account has been closed. 
Citi dropped the ball here, obviously. They did not honor their own communication to me. They have closed my account. When I called them, and asked to talk to supervisor, they have mentioned that e-mail only gives me until XX/XX/XXXX to renew my XXXX membership in order to keep Citi Credit card opened. 
That is complete lie! 
Supervisor XXXX said that they have to Hard pull from my credit card in order to open Citi Credit card! They account that I had since XXXX! ( originally with XXXX XXXX, but Citi bought the XXXX accounts from them ). 

I demand Citi reinstate my credit card right away! 
E-mail is an oficial document. Citi should honor their own communication. 
Please reactivate my account as soon as possible. 
I do not want to get any Hard pull inquieries to my credit. 
I want same exact account reopened to keep my tenure on 10 years.
Product: Checking or savings account

I am filling a complaint with the CFPB regarding Capital One 's failure to deposit my direct deposit from my employer. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investigating this matter to ensure my rights are upheld. Thank you.
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 XXXX 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX 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 XXXXXXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX {$260.00} XXXX XXXX XXXX  {$2300.00} XXXX XXXX XXXX {$1900.00} XXXX XXXX XXXX  {$820.00} XXXX XXXX XXXX {$9800.00} These are not my accounts . i have no knowledge of the inquiries and accounts listed. 15 USC 1681b. i am requesting these items be removed from my credit report within 24-48 hours.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting items as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please update these items. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have several unauthorized hard inquiries on my report. This is a violation of my rights under the FCRA 15, USC 1681.
Product: Student loan

XXXX claims that I owe money on XXXX loans but is not able to provide me with information as to where they sent this money to, ie account number, financial institution, etc. I am working with my bank to pull statements and EdFinancial can not tell me where or how they disbursed these funds in question
Product: Mortgage

I had a mortgage rate of 5.1 % with Change Mortgage ( Change Lending , LLC dba Change Home Mortgage ) for over a month. They purposefully delayed the loan closing to let my rate expire today ( XX/XX/2022 ) and then told me that my rate has expired and they will not extend and the only option I have is to accept a 5.75 % rate. 

We told them that this is wrong and they should honor the lock and they told us they dont care. When I told them we will complain to CFPB, they replied with " we have many lawyers '' and dont care. 

I had submitted all documentation in time and even paid for an extension last week because of their delays. They wanted to increase the rate and when silent and did not reply to my many emails and texts to get an update on closing. And today finally they gave me an ultimatum to take the higher rate or cancel the purchase. 

I know for a fact they had everything since they sent me the final closing disclosure after XXXX when time was up. 

This is very unethical and they did not honor the extension. They forced me into a higher rate. Per my broker they are 7 others folks they did this today over last week.