23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I need my credit report fixed by Region providing false info and straight talk on all my mortgage options. As a XXXX XXXX XXXX  with XXXX, I couldn't work during Covid and applied for forbearance. When I resumed payments, the bank extended my mortgage length and applied a lower percentage fee. However, the escrow balance got mixed up by the bank to a debt of {$2100.00} which I was not informed of despite my many inquiries about this. I also asked continually about all my options to have a lower payment. I was never informed of the Homeowners Assistance Fund and my inquiries about this went unanswered. I researched it on my own and found out all of Florida 's funds were gone. I was told by my Region 's Bank escalation service, XXXX XXXX, that it was not their job to tell me. Now, over the past couple of weeks I investigated obtaining a loan against my house. equity. XXXX XXXXXXXX XXXX XXXX Escalation Specialist - Regions Phone ( direct ) : XXXX XXXX Toll Free : XXXX Ext XXXX Fax : XXXX XXXX connected me with the wrong department, housing refinance. After I had given them all my info, I realized I needed another dept. So I told them to STOP the refinance paperwork and transfer me to the loan dept which they did. However, despite this, they processed the refinance request anyway, denied it, and passed the denial to the major credit bureaus, ruining my credit! I am concerned that with all the mixed info Regions is harming me. Today I got snail mail telling me to be patient plus by mistake they sent me someone else 's account info. along with it saying the same thing! Please help!
Product: Credit reporting or other personal consumer reports

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

Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 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 of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than XXXX  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: Credit reporting, credit repair services, or other personal consumer reports

I disputed XXXX through XXXX. Student loan XXXX XXXX, XXXX XXXX ; they keep passing inaccurate information to the next organization. I tried several times because my record is in good standing ( since then ) apparently something happen in XXXX for a few months and XXXX for a few months. This was no fault of mine. XXXX late payments is the result of negligence of student loans reporting false information. 

They also they violated my rights 15 U.S.C 1681 Section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

They also they violated my rights 15 U.S.C 1681 Section 611 ( 2 ) ( A ) The law clearly states the credit bureaus have 5 days to notify me from when they receives my disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

the told me to sign a piece of paper, that i did not read, because it was not in laymen terms.It would have taken me hours to read  it.She  told me it was to be used to ONLY check my credit report in case i needed a loan..I found out later it was for a credit card, that if i knew, would have never gotten it.I got it in the mail a couple of days later and within minutes cancelled it.In doing so, my fico score dropped from  XXXX  to  XXXX .Just because i was lied to, and trusted them.The only thing i asked was to take the cancel off of my credit report to get my points back.They refused!
Product: Mortgage

in XX/XX/XXXX, I lost my job and the citizen one put me on Forbiddance plan. i got my job back on XX/XX/XXXX. on XX/XX/XXXX, I contacted the financial institution ( citizen one ) to remove me from the forbearance plan and allow me to start making a monthly payment as i can't pay 8 months of mortgage in one shot. they agree and they send my account to be reviewed. since XXXX until XX/XX/XXXX they still doing a review. they kept putting my account on more forbearance plan extensions with no resolution. i have been calling them for the past 7 months twice a month to see if there is any answer. Now i am supposed to pay {$66000.00} or they will report it to the credit bureau. i made few payments during the past 7 months but it doesnt show on my account. they claim they can't post it until the account get a resolution. So, they are collecting interest although i am willing to make payments and my payments doesn't get posted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft residing in the state of California. The fraud event has been reported to the police and a police report has been filed. 

I have recently placed a security freeze on my Experian account. On multiple instances I have attempted/completed a request for a temporary lift of the security freeze. In every instance Experian has charged me {$10.00} for the service despite my documented identity theft - a direct violation of applicable consumer law ( s ). 

Experian 's customer service is inaccessible and I am unable to accurately report the issue or discuss the process for correction directly with a company representative. Instead, I am directed through an extended and inapplicable automated system and the call is arbitrarily terminated without addressing any concerns. 

Experian has developed a system that does not appropriately allow consumers to contact their agents and/or address complaints or issues - including those that may be associated with violations of consumer law ( s ).
Product: Credit card or prepaid card

Barclays is not applying their cardmember agreement to a purchase I made with my card. They refer to the cardmember agreement ( outlined below ) and I offer my rebuttal to their response. 
Cash Equivalents are defined as : the use of your card or account to obtain money orders ( XXXX is not a money order ), travelers checks ( XXXX is not a traveler 's check ), foreign currency ( XXXX is not foreign currency ), lottery tickets ( XXXX is not a lottery ticket ), gambling chips ( XXXX is not a gambling chip ), wire transfers ( XXXX is not a wire transfer ), person to person money transfers ( including, but not limited to transfers facilitated over the internet ) ( XXXX is not a money transfer ), or the use of your Account to open a deposit account ( XXXX is not a deposit account ) or to transfer value to a stored value card ( XXXX is not a stored value card ) at a location or through a merchant other than a financial institution and any other transaction that Mastercard ( I have requested what Mastercard considers a cash equivalent, and have received nothing ) may designate as a Cash Equivalent.
Product: Credit card or prepaid card

I had used a CapitalOne Visa credit card to pay for travel. Due to the Covid-19 restrictions the trip was cancelled and the company refunded the money. On Friday XX/XX/2020 it appeared as a Pending credit in my account. I called to have it sent to me and was told they could not begin the process while it was pending. On Saturday XX/XX/XXXX I spoke with XXXX in Customer Service at CapitalOne who explained to me that their policy was to issue a paper check, they were not able to refund it directly to the checking account from which monthly payment is taken. She started the request for check and said it would be about two weeks. 

Wednesday XX/XX/2020 I checked and there does not appear to be any activity to move the credit balance. I called Customer Service and spoke with XXXX who informed me they were working on the transfer but it would take a minimum of fifteen business days. I asked to speak with a supervisor and was transferred to XXXX. We discussed federal banking regulations limiting the amount of time a financial institution can hold funds and that since this had been an electronic transfer a hold of fifteen days was out of compliance. He explained that was an internal CapitalOne policy and there was nothing he could do.
Product: Mortgage

It appears your Insurance evidence department is mistaken on the requirements for flood Insurance as they have not changed since XXXX and XXXX. Please see below information regarding this designation. Only equal to the outstanding principal balance of the loan can be required. Additionally it covers the building only not land as for fixtures or furnishings contained, all have more insurance than the actual contents on each policy as they stand. 
Placing more Insurance value in contents than what is actually in the buildings is over insuring for contents that never could be claimed. 

As the loan principal balance is {$280000.00} The current building coverage at {$1000.00} it is currently insured for XXXX times the principal balance which exceeds the requirements of the loan. 
at this point I have not been given any answers. My Commercial loan statement invoice, has a charge on it which states Replacement XXXX XXXX : {$780.00} which you have told me its for Bldg 1-3 which I have already added {$200000.00} which the total coverage is now : {$500000.00} which is the maximum coverage for anyone policy. 

You have said that addition coverage has been put on for : XXXX XXXX, Additional {$30000.00} Coverage For contents. 
XXXX XXXX, Additional {$32000.00} Coverage For Building. 
XXXX XXXX, Additional {$35000.00} Coverage For Building, and {$30000.00} For contents. 

Who is authorizing This? 
I want answers now. This is Extortion and Illegal. 
SENT TO US BANK ON XXXX It appears your insurance evidence department is mistaken on the requirements for flood insurance as they have not changed XXXX and XXXX. Please see below information regarding this designation. Only equal to the outstanding principal balance of the loan can be required, additionally it covers the building only not land as for fixtures or furnishings contained, all have more insurance than the actual contents on each policy as they stand. Placing more insurance value in contents than what is actually in the buildings is over insuring for contents that never could be claimed. 

As the current loan principal balance is {$280000.00}, The current building coverage at {>= $1,000,000} it is currently insured for XXXX times the principal balance which exceeds the requirements of the loan. 

at this point I have not been given any answers. My Commercial loan statement invoice, Has a charge on it which states Replacement Resv Due : {$780.00} which you have told me its for BLDG 1-3 Which I Have already added {$200000.00} Which the total coverage is now : {$500000.00} which is the maximum coverage for anyone policy. You have said that addition coverage has been put on for : XXXX XXXX, Additional {$30000.00} Coverage for Contents. 
XXXX XXXX  Additional {$32000.00} Coverage For Building. 
XXXX  XXXX, Additional {$35000.00} Coverage for Building, And {$30000.00} For contents. 
Who is authorizing this? 
I want answers now. This is Extortion and Illegal. 
SENT TO US BANK XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX XXXX. I have always made all of my payments on time. One day I decided to check my fico scores with all 3 major credit bureaus, and I realized that there was a late payment on my Experian credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting Experian and XXXX XXXX XXXX XXXX   with no successful resolution. Experian only reporting me late on my account which stopped recording payment information since XX/XX/2013, that is 6 years ago! There was definitely an error on their part, as I was never 90 days late for four times, and 120 days late for five times.
Product: Credit reporting or other personal consumer reports

Months ago, I sent the three credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct or amend the following items : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XX/XX/2022 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XX/XX/year> Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX Federal Trade Commission ( FTC ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear CFPB and FTC Officials, I am writing to express my concerns regarding the practices of TransUnion and to urge your agencies to take action similar to what you have done with XXXX and XXXX. It appears that TransUnion is following a troubling pattern akin to that of the other two  major credit reporting agencies, which has caused significant distress to consumers like myself.

It is alarming to witness TransUnion engage in practices that may be misleading, inaccurate, or unfair, especially when consumers depend on these agencies for accurate credit reporting. The lack of accountability and transparency in their operations is reminiscent of the issues that prompted your agencies to take action against XXXX and XXXX. 

I strongly believe that if TransUnion continues down this path, it will not only undermine consumer trust but also violate the rights of individuals whose creditworthiness is wrongly affected. In light of these concerns, I urge you to investigate TransUnion 's practices thoroughly. If these issues persist, I believe it is essential to consider legal action to protect consumers and ensure that all credit reporting agencies adhere to fair and accurate reporting standards.

Thank you for your attention to this matter. I hope to see proactive measures taken to address these concerns.

am filing a complaint against TransUnion for violating the Fair Credit Reporting Act ( FCRA ) through the reporting of false information. Specifically, TransUnion has inaccurately stated that I disputed information regarding my XXXX XXXX XXXX. This assertion is false ; I have not disputed this account. 

The XXXX XXXX XXXX has been a legitimate part of my credit history until TransUnion deleted it without proper justification. Following this deletion, XXXX XXXX confirmed the accuracy of my account and sent updated information to all credit reporting agencies. Despite this, TransUnion continues to report misleading information about my credit history, stating that " consumer disputes this information. '' These practices are damaging and undermine the integrity of credit reporting. They have negatively impacted my credit score and financial standing, potentially leading to higher interest rates and denial of loans.

Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed with XXXX, equifax, and XXXX  several times with concrete evidence of Inaccuracies. I was not able to get any answers on how my disputes were investigated. I'm seeking CFFB to ask the 3 CRA 's to remove the negative info. The balance, original lender, new lender and the late payments were not correct. The house was sold and payoff without any late payments or FS. Also the original creditor XXXX is not in good standing and therefore not legal to do business in Maryland. 
Please see attached.
Product: Credit reporting or other personal consumer reports

I am writing to bring to your attention a matter of concern regarding inaccurate information on my credit report maintained by Equifax. On XX/XX/XXXX, I contacted Equifax to dispute the following discrepancies, but to date, I have not received a response. I believe Equifax is obligated to adhere to federal laws and regulations, including the Fair Credit Reporting Act ( FCRA ). 

The following are the details of the inaccurate information and the necessary corrections : Account : XXXX  XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$110.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX  XXXX XXXX : XXXX XXXX, XXXX Balance : {$85.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX / XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX / XXXX Date Opened : XXXX. XXXX, XXXX XXXX : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Issue : The account was never late. Please correct this inaccurate information on my credit report. 


Account : XXXX XXXX XXXX XXXX  Date Opened : XXXX XXXX, XXXX Balance : {$0.00} Issue : This account is not mine. Please remove it from my credit report. 


Account : XXXX XXXX - XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Issue : This account is not mine. Please remove it from my credit report.
Product: Bank account or service

I paid via Paypal a friend for a game currency but then I canceled since it went threw as an echeck then the cancellation said it was successful via Paypal but I check my debits card new posted balance and the {$23.00} is deducted which was the amount I canceled via Paypal.
Product: Checking or savings account

Well i was going thru a hardship on paying my negative balance to chase bank my son was XXXX so i was very out of money so they wnd closing my account and puting me in XXXX making it hard for me to get another accoun any were but im back working so im able to mange the account that i will get when i can
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a couple of collection letters I continued to recieve in the mail. I have never heard from the place before. I suspected identity theft. When I reviewed my report, I was caught by surprise on a couple of thing that I have never opened in my life. The thing listed on my applications are not mine please remove these unknown items from my report. XXXX XXXX  XXXX {$5300.00} XXXX XXXX  XXXX {$520.00} XXXX XXXX  XXXX {$5000.00} XXXX XXXX XXXX {$560.00} XXXX XXXX XXXX {$650.00} XXXX XXXX {$130.00} XXXX XXXX {$85.00} XXXX XXXX XXXX {$780.00} XXXX XXXX XXXX {$590.00} DP OF EDUCXXXX {$8500.00} DEPTEDXXXX XXXX {$12000.00} XXXX XXXX XXXX {$12000.00} XXXX XXXX XXXX {$780.00} XXXX XXXX- XXXX {$560.00} XXXX XXXX {$20000.00} XXXX/XXXX  XXXX {$110000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

was trying to cosign for my cousin a new vehicle, and the car salesman told me my credit was low. I told him to show me my report and to print me out a copy. There are items on my credit that need to be removed as soon as possible. These items are fraudulent accounts. XXXX XXXX XXXX XXXX {$480.00} XXXX XXXXXXXX {$13000.00} XXXX XXXXXXXX XXXX {$650.00} XXXX XXXXXXXX {$480.00} US DEPT ED XXXX {$4800.00} USDOEXXXX XXXX {$18000.00} US DEPT ED XXXX {$2600.00} US DEPT ED XXXX {$3800.00}
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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : INQUIRY : XXXX XX/XX/year> XXXX XXXX  XXXX XX/XX/year> XXXX XX/XX/year> 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, credit repair services, or other personal consumer reports

XXXX showing up credit please remove the ftc or fcra violation sent them this over months ago of the violation also inquires
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a complaint with the CFPB on XXXX/XXXX/2020 about the student loan accounts that needs to be removed. In both XXXX  and Experian response they both was suppose to investigate and remove. it has been 31 days since I submitted this issue. The FCRA only allows 30 days. By law this incident should be resolved and the accounts should be removed. I am asking that the CFPB step in and enforce the law that both companies XXXX  and Experian are not following and abiding by.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to request a security freeze placed on my Consumer Disclosure Report. I choose to opt-out of your disclosing future information until further notice including the FULL Report and other furnished Lexis Nexis, XXXX XXXX, XXXX inquires regarding all personal information. This security freeze request not only restricts credit bureaus and creditors, but also future potential employers until I lift this restriction. Under the Fair Credit Report Act, you are required to comply. My name is XXXX XXXX XXXX please remove any other variations of my name. I have recently discovered that my ID was used in XXXX for fraudulent charges and accounts.

The following addresses need to be deleted they are not accurate : XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  , OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX