23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX I took a loan from US Bank in the amount of {$32000.00} to consolidate debt and pay off a home equity loan with XXXX. The original loan document states that my property was secured by another mortgage. The original loan document doesn't even identify the loan type but at some point in time US Bank treated the loan as a " mortgage ''. 

At the time that I took out the loan no escrow account was created. In XXXX, unbeknownst to me US Bank opened an escrow account for insurance. I called them in XXXX to cancel the insurance and notified them that my homeowner 's insurance and taxes were being paid by my first mortgage lender. 

While I was deployed overseas between XXXX, XXXX, and XXXX US bank continued to charge homeowner 's insurance. When I paid of my remaining balance of {$9700.00} this year they stated that I owe {$4700.00} to close the account due to " escrow advances ''. When I realized they had been charging me duplicate insurance for three years, I told them I could provide proof insurance from my other bank. 

US Bank representatives stated they would remove the charges if I furnished them copies of insurance. I obtained copies of the insurance from XXXX XXXX XXXX and sent them to US Bank. Apparently, it doesn't matter because both policies taken from the banks were lender forced and this somehow makes a big difference that I was double charged. 

After one month of phone calls, the US Bank representative finally said today they will not even attempt to contact the insurance company and reverse the duplicate mortgage insurance charged to my account. So in three years I spent $ XXXX on homeowner 's insurance between the XXXX banks on a house that is worth $ XXXX. 

The insurance should have only cost me {$1800.00} over the course of the three years I was double charged by the banks. I don't even understand why US Bank took out a $ XXXX policy if the insurance policy only covered the $ XXXX that I owed the bank and if the insurance company will not even talk to the Borrower whose home is covered by their policy. 

To add insult to injury the insurance company that XXXX and US Bank used in XXXX, XXXX, and XXXX was the same. The name of the insurance company is XXXX XXXX XXXX XXXX. Why would the insurance company accept duplicate payments for one property? Why are both banks saying the insurance company does not refund for duplicate payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

This company has refused to address me through the XXXX website and yet chose to contact me outside of this complaint and send me verification which I never asked for. Further communication from this company after I demanded them to cease and desist all communication with me is a direct violation of the FDCPA. After deleting this account from my consumer report, IC Systems reinserted this negative account back onto my consumer report without notifying me within XXXX  days. I reaffirm that I do not owe this company any money and I refuse to pay any alleged debt. They have violated my cease and desist by sending me further information in the mail. IC Systems is using extortionate means to collect on an extension of credit that is not due to them which is punishable by jail time. Also stating that I am indebted to them for this account is a false claim and subject to criminal and civil liability.
Product: Checking or savings account

Robinhood randomly closed my spending ( checking ) account without reason. There were no XXXX  transactions or fraudulent activity on the account. In fact, overall utilization of the account was very low. Im looking for Robinhood to reinstate the spend account or provide an explanation as to why it was closed.
Product: Credit reporting or other personal consumer reports

I FILED A COMPLAINT ON XX/XX/year>XXXX  TO EQUIFAX, XXXX AND XXXX REQUESTING THAT THEY VALIDATE A NUMBER OF ACCOUNTS THAT I BELIEVE ARE INACCURATE AND THESE COMPANIES ARE NOT COMPLYING WITH THEIR OWN POLICIES IN A TIMELY MANNER.
Product: Debt collection

I have 3 issues. They continued to contact me after I sent written notification asking for validation and to stop the phone calls. They continue to call me at work when I asked them not to. They told my boss why they were calling. 

When they call I tell them I do not consent to be recorded as is my right in the state of California and they tell me they wo n't stop recording unless I validate my information.
Product: Credit reporting or other personal consumer reports

This company can not be investigating the discrepancy on my credit report with the car company because if they did they would have seen the many errors in the reporting
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized Credit Inquiries To Whom It May Concern, ** SECOND REQUEST ** This is my second request on the removal of these errors on my consumer reporter. I discovered multiple hard inquiries that's shown on my consumer report which have known actual accounts. Under the Fair Credit Reporting Act, no one may access my credit without my permission for the purpose of extending credit. I also Know any extension of credit should be given as I didn't receive anything from your company to be shown on my consumer report. Please remove all listed below before i take legal actions please. If accounts are not removed within the next 30 days I will be taking legal action with intent to sue. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am sending this letter certified mail for my protection as well as yours. Please forward proof to me at your earliest convenience or send a request to the credit bureaus that you report to if you discover this was an error. It is urgent that I hear from you urgently, as this hard inquiry is impacting my credit score. I anticipate your response. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have previously disputed a XXXX XXXX account ending in XXXX with Equifax and it was not corrected. This inaccurate information in my Equifax credit file is causing me great harm and lowered my credit score by over XXXX points. I have been denied an apartment rental due to internal Equifax errors! 
The XXXX XXXX account was NEVER in bankruptcy. Equifax is reporting in the delinquency history section of my credit file that the account was discharged in bankruptcy THIS IS NOT ACCURATE, and these comments must be permanently deleted from my credit file in the delinquency history section of my credit file. 
Equifax is reporting DATE OF LAST ACTIVITY AS XX/XX/XXXX this is not accurate, and this date must be removed from this section of my credit file. This is an internal error by Equifax and MUST be corrected. 
This account is missing 19 months of payment activity beginning in XXXX XXXX XXXXXXXX due to the Equifax error of bankruptcy discharged information listed in the delinquency history section of my credit file. 
Equifax report shows 1 month of activity instead of 30 months which is the accurate account history information. Equifax must replace the missing account payment history. 
XXXX XXXX verified that the account is paid as agreed and has never been late. The account was opened in XXXX of XXXX, which was after my bankruptcy filing of XXXX of XXXX, this is proof that the account was never in bankruptcy nor discharged in bankruptcy. 
REMOVE all comments made by XXXX XXXX and Equifax that are in the additional information/ remarks section of my credit file. Especially comments/remarks listed in the delinquency section of my credit file. Equifax must list accurate information in my credit file and fix there errors!
Product: Credit reporting or other personal consumer reports

XXXX ALL INFO ON MY CREDIT REPORT MUST BE ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I wrote Experian, XXXX, and XXXX to reinvestigate these accounts : Account name : XXXX # XXXX, Account Name : XXXX # XXXX, Account Name : XXXX XXXX XXXX XXXX # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX  # XXXX, Account Name : XXXX XXXX XXXX XXXXXXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Debt collection

I requested validation of a collection account on XX/XX/2018 and Midland replied with letter dated XX/XX/2018, stating they didn't understand what I was requesting. My letter make it clear that I am requesting the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : I believe this not my account and I want proof if it is and there ability to report this information on my report under Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
Product: Money transfer, virtual currency, or money service

I let the companies know that I didnt approve or send any thing out of my account. They sent me a message stating they will get back to me but that was it.
Product: Credit card

on XX/XX/XXXX, I made a Verve credit card payment over the phone with a representative in the amount of {$60.00}. I only authorized an XXXX debit of {$60.00} and the credit card company deducted {$600.00} from my account. They left me with {$.00}. On XX/XX/XXXX, I was trying to withdraw cash from my checking account and my request was denied due to insufficient funds. I looked at my checking account and noticed the huge error made by the credit card company. I called right away and I was basically told they will put in a complaint and I have to wait 3-5 business days. I advised them that they were not authorized to debit {$600.00} from my checking account and they can check their recording to verify. The initial representative I spoke with that day admitted the error should have been caught. I also advised them that they took everything I have and there was no urgency on their part even though it was clearly their error and a very impactful one.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX reported information about me to all three credit bureaus with out my permission. According to FCRA Section 605B it is illegal to report anything on my credit report without my permission.
Product: Credit card or prepaid card

applied for card in XXXX XXXX Nevada, on or about XX/XX/2016 while i was at the XXXX XXXX XXXX store because it would contribute to the conservation of wild life and hunting rights. The approved credit Balance was not much but was happy to contribute. fast forward 30 -45 days after i applied there was no Card in the mail nor any statement. ( small purchase at the time of sign up ) i gave it another 15-20 days and there was no mail. i decided to call the number on the paper work that i was given at the time of application. and was able to speak to a Rep. i was treated like a debt beat because i was told that i was past due and that needed to make payment. i explained to the Rep my situation but i was told to make payment and that my credit line will also be decreased because i was late on the first payment. she would not understand anything that i would ask or requested. i paid and requested for her to send the statements and confirmed that my address was ok. i only recieved the secondary card that was mailed via overnight but not any statement or other information about the bank. fast forward today, i made payment for more than requested and was told today again that i was 60 days past due? i explained situation again to rep but she was very nasty over the phone her name is XXXX XXXX, she would not answer basic questions on my account and would answer with generic answers that would not resolve my issue. i asked to speak to manager and was transfered to a male by the name of XXXX XXXX who stated that he was a manager with conflict resolution team. i explained my problem and asked to help but was denied under the grounds that i was late ... ( payment was made 30 min prior to talking to him by phone service ) XXXX stated that i should of been on top of my account, he stated that its no Bank of Americas responsability to call customers and remind them of their payments or email them. i asked if they send notificaitons if there is an issue with an account? he said yes but i would need to set that up on the B of A website. i explained that i can not open a user password because i don't have an account number because i have never recieved a statement. XXXX said that is something i need to resolve with mail not B of A. no other assistance or guidance was provided. i feel that this is an unfair treatment and i know that there is other consumers like me that have gone thru this. please help. complain number is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attempted to contact all 3 credit bureaus in regards to the following accounts : XXXX XXXX card reporting with a balance of {$600.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXX with a balance of {$10000.00} currently reporting to all 3 credit bureaus XXXX XXXX XXXXXXXX last reporting XX/XX/XXXX with a balance of {$560.00} currently reporting to Equifax and XXXX And XXXX XXXX XXXX  with a balance of {$110.00} currently reporting to all 3 credit bureaus Because they are not mine and are a result of identity theft. They have not responded to any of my letters or attempts to correct this information. 

My name is XXXX XXXX and my date of birth is XX/XX/XXXX and my address is XXXX XXXX XXXX XXXX GA XXXX. I do not feel comfortable putting in social or any portion of it due to identity theft.
Product: Bank account or service

I lost my bank card, and someone deposited XXXX stolen checks into the account in one day totaling more than 5000 dollars, then took out as much as they could before the card was put on hold ( around 1400 dollars ). The bank did a fraud check and found no fraud was committed. I went to the bank and asked what their decision was based on, and they said that it was because nobody else had my pin, I ask them for copies of the checks that were deposited and XXXX of them where not endoresd and the one that was, was no where near my signature. So i asked them to check the film and see who made these transactions, so they asked me to send them my florida photo id, which i did, then they made the same determination as before without looking at the film ... .someone stole my card and did this without any acknowledgement from me, and now they are saying that I owe them over 1400 dollars.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX Balanced {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rihgts to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX $ - XX/XX/XXXX XXXX XXXX XXXX {$510.00} XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX XXXX XXXX XXXX $ - XX/XX/XXXX has violated my right. ( I was not even a resident of the United States of America at the time the account was opened. I am a XXXX 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 an 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 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

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX : XX/XX/year> SSN : XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX Subject : Formal Dispute of Inaccurate Account Information Request for Investigation and Removal Account Name : Best Buy/CBNA Account Number : XXXX Reason for Dispute : Inaccurate reporting of account status as a charge-off/collection. 

I am writing to formally dispute inaccurate information on my credit report. I have discovered discrepancies regarding an account listed as a charge-off/collection. After reviewing my credit reports from XXXX and XXXX, I noticed that both of these credit reporting agencies have removed this charge-off account. However, Equifax has failed to take the same corrective action. 

This inconsistency violates the principles of fairness and accuracy outlined in 15 U.S.C. 1681n under the Fair Credit Reporting Act ( FCRA ), which mandates that information reported must be accurate, complete, and consistent across agencies. I am concerned that XXXX failure to remove this account after the other agencies have done so may be a willful non-compliance with federal law.

1. Violation of 15 U.S.C. 1681e ( b ) Reasonable Procedures for Accuracy Under this provision, credit reporting agencies are required to follow reasonable procedures to ensure maximum possible accuracy of the information they report. I believe that these procedures were not followed in this case, as this account contains errors that negatively impact my credit profile.

2. Violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Duty to Correct or Delete Inaccurate Information According to this law, once the credit bureau is notified of a dispute, it must investigate and delete or correct any inaccurate, incomplete, or unverifiable information. If this account can not be verified as accurate, it must be removed in accordance with this statute.

3. Violation of 15 U.S.C. 1681i ( a ) ( 7 ) Right to Explanation and Written Summary If the credit bureau continues to report this information as accurate after its investigation, I am entitled to a written explanation of the verification process, the sources of information used, and an opportunity to review the findings. 

Failure to correct or remove this account may result in legal action, as I am entitled to seek monetary damages for any violations of my rights under the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a resolution promptly.
Product: Vehicle loan or lease

I paid my car off in XXXX still have not received the title. I called XXXX times and they tell me they send the lean release over 2 months now and still have nothing i had them send XXXX different letters and none ever got to me. I need my car for work and can not register it until i receive this document. The workers are XXXX and they hang up on me every time i call. I am nothing but nice but im getting extremely frustrated. Please help with this problem nothing left but to sue because they will never send the letter
Product: Credit reporting or other personal consumer reports

What happened ( statement of pertinent facts ) Consumer name : XXXX XXXX, XXXX Social Security XXXX, Consumer Date of Birth : XX/XX/XXXX, contents of complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX, a federal student loan account at XXXX on XX/XX/XXXX account number XXXX, a credit card load account from XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, a auto loan account at XXXX XXXX XXXX on XX/XX/XXXX account number XXXX, a rent account at XXXX XXXX XXXX on XX/XX/XXXX with no account number. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I do not recognize the aforementioned accounts, collections, or hard inquiries on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have issued a complaint with the FTC Identify Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identify theft and fraud. I could not attach copies of any of my reports due to your site refusing to allow any form of download pdf files for this matter.