23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Refinanced the home in XX/XX/2022 and added escrow to the loan. UWM has been over charging my every month for home owners insurance when it was already fully paid for the entire year. On top of that, they sent a new escrow estimate statement in XXXX and significantly increased my monthly mortgage payments when I already had an enormous balance in my escrow account ( roughly $ XXXX ). Additionally, in XXXX when I went to double check. my payments, I found out that they utilized the wrong insurance policy on my home for {$3500.00}. My insurance is under {$1300.00} a year so an increase would never go beyond {$1500.00}. It turned out that the insurance policy they used was for a different house. I have contacted them early XXXX and yet to have this resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

was trying to purchase a home and pulled my score. notice some hard inquiries XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX/XXXX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, PA XXXX XXXX XXXX XXXX
Product: Student loan

I 've had on several occasions, problems with my payment to hit my account. I called Navient the past two months wondering why my normal monthly payment of XXXX dollars says XXXX dollars on my Navient app. They would tell me they did not recieve a payment then put me on hold for a brief moment. Both times the representative came back on and told me he found my payment but it has n't been confirmed yet. I questioned them multiple times why I have to call every month asking why my payment is not up to dat. I was hoping somebody would catch on to their antics. I just hope I have n't lost miney because I 'm a very dedicated customer.
Product: Credit card or prepaid card

On or about XX/XX/2002 I attempted to apply for an Amazon Store Card issued by Synchrony Bank. On XX/XX/2002 I received an adverse action notice from Synchrony Bank stating that my application has been denied. The reasons stated were : Application has risk factors that cause us to be unsure of your identity. 

Some information used to make this decision was based on transactions/experience with AMAZON STORECARD and information from the consumer reporting agency ( agencies ) listed below. 

The ECOA, Regulation B and the FCRA mandate that adverse action provide a specific reason why adverse action was taken. The requirements exist as stated in legislative intent to provide the consumer with specific and useful rational the purpose of which is, according to legislate intent, to provide the consumer with an opportunity to understand and remedy any issues they may have to obtain credit. Thence provided by Synchrony Bank is generic, unspecific, unhelpful and, basically, a generic phrase which means nothing. 

My application provided no inaccurate information whatsoever and the information provided is exactly what appears on my credit reports. Also, if Synchrony Bank is unsure of an applicant 's identity, there are very accurate ways to confirm one 's identity. In fact, it is not at all uncommon for Synchrony Bank to request proof of identity from an applicant if necessary. That Synchrony Bank fails to do that goes to show that their reason for adverse action is a farce and the reason for adverse action is very likely to be a reason prohibited by the XXXX. 

Upon further research, I have found Synchrony Bank uses this same useless, confusing and secretive reason to deny credit to a multitude of other consumers.
Product: Prepaid card

On XX/XX/2023 I paid a person XXXX to do a service for me and I didnt recieve that service. I contacted the merchant and asked what the hold up was and information but never got responses. I later found out that the person I paid was a scammer and then proceeded to file a dispute with chime bank on XX/XX/2023. I submitted all documents and proof that I paid and proof that I reached out to the merchant as well as others saying they were also scammed by this person. My first dispute was denied and I requested documentation and I was only sent the same documentation that I sent to them nothing from the merchant proving anything. I then did an appeal and that was denied within 5 minutes and I was not given an explanation. I then called chime bank and explained that a thorough investigation was not done and I have shown proof that I didnt receive what I paid {$370.00} for and was then denied again.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im questioning the accuracy and fairness of credit reporting for this Capital One account. I received an email to log in to the account but theres no transaction history available. Capital One has furnished late payments to the consumer reporting agencies but there is no proof of any late payments. 

According to 15 U.S. Code 1666b ( a ) A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

The current unpaid balance is an overpaid credit due to the consumer as specified in XXXX5 U.S. Code 1666d.
Product: Credit reporting or other personal consumer reports

Equifax, Transunion, And Experian did not remove and update my credit report as requested in the dispute. 
All three bureaus are still reporting invalid and inaccurate information.
Product: Credit reporting

I 'm asking you to please investigate Equifax credit reporting agency I have sent them countless dispute letter via certified mail asking them to please send me copies of of any of the original documentation required under the section 609 ( a ) ( 1 ) ( a ) & Section 611 ( a ) ( 1 ) ( a ) a consumer contract with my signature on it and Section 611 ( 5 ) A ) OF THE FCRA they are required to promptly delete all infoation which they can not be verified the law iis very clear as to the civil liability Equifax has updated all the account that I requested This is a federal crime and Equifax is in serious Violation I 'm giving them the chance to send me the required documents or else I will file suit ... .. I asked if you could please ask Equifax to fax over the req documents as I requested OF THEM!! 
XXXX XXXX ACCOUNT WITH DIFFERENT ACCOUNT NUMBER XXXX XXXX XXXX XXXX CLOSED ACCOUNT XXXX ACCOUNT XXXX ALL NONE ACCOUNTS HOLDING INQUIRES OVER 30 DAYS
Product: Checking or savings account

XX/XX/XXXX : I deposited a settlement check from a Lawyers IOLTA account for {$83000.00} and received notice that there would be a hold on the deposit XX/XX/XXXX : Contacted Chase 's Operating Loss Prevention team to work to get the hold removed. Team was able to verify with sending bank, but unable to find a " verified number '' for the lawyers office in their system. Team member confirmed that they could see the law office online, but could ONLY call numbers that show up in their system. 

XX/XX/XXXX : I offered to provide filed court documents that were signed by the lawyer, and includes the check amount. And also pointed out that Chase had already processed a check from the same law office on XX/XX/XXXX. I was told that the only way they can remove the hold is if they can contact the maker via a " verified number '' from their system. 

XX/XX/XXXX : I submitted a secure message in the banking portal that explains the problem and includes the court filed documents I mentioned above. 

XX/XX/XXXX : I received the following response : " Please be advised that because of the Covid-19 pandemic, your hold time may be longer than usual. Currently, we are receiving a heavier call volume being managed by a skeletal workforce. We kindly ask for your patience and understanding. '' XX/XX/XXXX : XXXX business days have passed and none of the deposited funds have been made available to me. I am wasting money living in a hotel when there are some very easy, and common sense, ways the " risk '' they mention can be mitigated and the hold can be removed. 

Citing a " skeletal workforce '' for such an important part of their business is just poor management in my opinion. While the hold expires the XXXX, the fact that none of the funds have been made available to me when I have had an account in good standing for over a decade, and they have already verified the funds cleared the host bank, is unacceptable.
Product: Debt collection

Tomo boost stole XXXX from me and did not give me any services just stole my money. They did nothing for me and have been scamming innocent victims for years!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried to get equifax to update the balances on my accounts. I have paid everything off and they continue to show a balance on several accounts. They are at least a month behind in correcting this information. If I was a month behind on a bill, they would destroy my credit. If they are a month behind in reporting, they destroy my credit. They can do anything they want and claim that the companies arent reporting to them. They are offering this service and they are past due on their performance. I think I should be able to send them a late fee. This is ridiculous and it should not be permitted. We need more regulation of these sloppy, poorly run, inefficient, untrustworthy companies.
Product: Credit reporting or other personal consumer reports

This company is reporting INCOME on my credit report as an alleged DEBT. Since this alleged debt was written off as income, I should have received copy B of the 1099-C the company filed. I did not receive copy B.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment. 
on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

RE : TRAFFICKING BLOCK REQUEST To whom it may concern, I am writing to advise that I am a victim of trafficking. The information listed below, that is currently listed on my credit report is a result of that trafficking. Listed below are the Personal Information that are being challenged Incorrect Previous Address : - XXXX XXXX XXXX XXXX, XXXX, IL, XXXX Employer XXXX XXXX XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, IL, XXXX Incorrect Name : - XXXX XXXX Incorrect DOB : - XXXX Listed below are the Collections that are being challenged XXXX - XXXX PLEASE BLOCK THIS INFORMATION FROM MY CREDIT REPORT WITHIN XXXX BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. PER 605C-2 IN BRIEF, SECTION 605C PROVIDES THAT A CONSUMER REPORTING AGENCY MAY NOT FURNISH A CONSUMER REPORT CONTAINING ANY ADVERSE ITEM OF INFORMATION CONCERNING A CONSUMER THAT RESULTED FROM A SEVERE FORM OF TRAFFICKING IN PERSONS. IF THE CONSUMER HAS PROVIDED TRAFFICKING DOCUMENTATION TO THE CONSUMER BILLING CODE : 12 CFR PART 1022 [ DOCKET NO. CFPBXXXX ] RIN XXXX PROHIBITION ON INCLUSION OF ADVERSE INFORMATION IN CONSUMER REPORTING IN CASES OF HUMAN TRAFFICKING ( REGULATION V ) PLEASE SEND ME NOTIFICATION OF THE ACTIONS TAKEN. I GREATLY APPRECIATE YOUR PROMPT EXPEDITED ACTION TO THIS MATTER!!
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX Balance Owed : {$XXXX} XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) XXXX Balance Owed : {$XXXX}
Product: Credit card or prepaid card

American Express ( AmEx ) has, for all intents and purposes, STOLEN ( XXXX  DOLLARS ( {$700.00} ) FROM ME VIA MAIL THEFT. A XXXX. XXXX XXXX XXXX ( # XXXX ) for {$700.00} was mailed to their XXXX, NJ payment center on or about XXXX XXXX, XXXX, for payment in full of my credit card balance. It was cashed on or about XXXX XXXX by American Express. It was NEVER POSTED to my account, and I have had to make an ADDITIONAL PAYMENT to XXXX out the account balance. AmEx was notified of this XXXX XXXX, via its Chat function, and was blown off, and refused to acknowledge receipt or even the existence of payment. AmEx was again notified about the theft on or about XXXX XXXX, via certified letter ( with evidence ) sent directly to XXXX XXXX, U.S. Consumer Services in New York XXXX and has been, again, blown off ignored. I will be notifying both the FBI as well as the XXXX XXXX XXXX, upon receipt of response from the CFPBs inquiry, if said inquiry does not produce a full and immediate refund.
Product: Payday loan, title loan, personal loan, or advance loan

I had my identity stolen in XXXX - after reporting it and freezing my credit I started the process of closing and removing all the fraud accounts. After 3 years Citibank is still refusing to remove this fraudulent account from my credit. For the first year I could not even get anyone at Citibank to even talk to me about this loan and no one was able to even verify it excited. The loan had been sent to a fraudulent bank account which Citibank did close however they never sent me documents I requested stating the fraudulent accounts were being closed. I was able to stop the car loan they were processing however this personal loan has been a never ending issue. After opening a dispute through my credit report and having Citibank close it and claim the loan is mine, I called and spoke to customer service who said no dispute had been opened and that I should open another one. I have only received run around and nonsense, they are trying to make it so I take responsibility for a fraud loan because that will be the only way to make this go away, which is completely unacceptable. When I open the claim 3 years ago I sent them all the files and theft ID notices they asked for, now they are saying they have no recored of anything from me. After all these years I do not have access to everything I did when this first started. Seems like all they care about is forcing me to take responibilty for something I didn't do. I will once again start this whole process with Citibank but it's going to be just wasting more of my time and dealing with customer service who doesn't know how to help me. The most annoying thing is they got rid of everything else yet the loan and went into the fraud account is somehow still floating around, mainly because no one would help me out 3 years ago when this all started.
Product: Checking or savings account

XXXX XXXX XXXX XXXX a division of the XXXX XXXX is withholding {$2100.00} after a matter had been resolved involving a charge back from one of our customers on XX/XX/XXXX. They never during this entire event sent any kind of dispute documentation, notification of withdrawl, nothing. We finally reached a supervisor on XXXX XXXX, 2017 who in writing promised that all funds would be returned the following day. WE HAVE THIS LETTER. They are claiming this was a mistake and have not released {$2100.00} of that deposit, causing payroll and business problems.
Product: Credit reporting or other personal consumer reports

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

I told the Experian to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  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 supposed 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.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issued aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my closed account due to overdraft fees.
Product: Vehicle loan or lease

Will not provide payoff instructions letter to purchase car at end of lease via other lender. They will only provide the information verbally. They can't generate a payoff letter. Want me to just mail a check for $ XXXX to an address they give me over the phone and wait and see. Trying to make me go to the dealership and have them process so they can sell me on a new lease. Spent hours on phone with them and got different addresses and instructions from different reps. File attached is all they would send me, just the amount and no details on how to pay the amount.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several fraudulent accounts on my credit report. Despite my previous attempts to address this issue, these accounts remain on my report, and I believe this to be a violation of my rights under several federal credit laws, including : Fair Credit Reporting Act ( FCRA ) : I have the right under FCRA to dispute inaccurate or fraudulent information on my credit report, and TransUnion has a duty to conduct a reasonable investigation. 

Fair and Accurate Credit Transactions Act ( FACTA ) : FACTA ensures that consumers have the right to dispute fraudulent accounts and requires credit reporting agencies to correct or remove inaccurate information.

Identity Theft Assumption and Deterrence Act : I have reported these accounts as fraudulent and have taken steps to address identity theft, which is protected under this act. 

Consumer Financial Protection Bureau ( CFPB ) Regulations : I have communicated my concerns to TransUnion, and I expect that these matters are resolved in compliance with CFPB regulations. 

The fraudulent accounts I am disputing are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have previously provided documentation and information supporting the fraudulent nature of these accounts, including a police report for identity theft. However, these accounts have not been adequately investigated or verified. 

I request that TransUnion : Conduct a thorough and comprehensive investigation into these fraudulent accounts. 

Verify the accuracy of these accounts and, if unable to do so, remove them from my credit report immediately. 

Provide me with written confirmation of the results of your investigation. 

I have enclosed copies of documents related to my identity theft report, previous correspondence with TransUnion, and any other evidence that supports my dispute. 

I expect this matter to be resolved promptly, as the continued presence of these fraudulent accounts on my credit report is causing significant harm to my financial well-being.
Product: Credit reporting or other personal consumer reports

I did not receive any money, goods, or services as a result of identity theft. Please let me know if you need any other information from me to block this information from my credit report. I a victim under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142.
Product: Money transfer, virtual currency, or money service

unauthorized charges on my zelle account. asked bank if they could refund me but they essentially said no because it was I who sent the money through the account and I had no proof
Product: Debt collection

I took my son to the emergency room with XXXX XXXX XX/XX/XXXX. My son is double insured with XXXX and Medicaid. In XXXX of XXXX I did a credit check and seen that this was on my credit so I called NAR thinking this was my fianc bill found out it was for my son. They told me there was nothing I could do since Medicaid did not pay the bill now I have to. I made 2 payment under that statement and was going to pay off when I taxes. However this was sent to XXXX XXXX attorney for a lawsuit. After doing some research and calling Medicaid and the original debt owner I found that the bill was paid by Medicaid within 3 months after this incident. I sent the call recording of XXXX XXXX saying I didnt owe the bill after months of communicating with them finally got a itemized bill showing I did not owe the bill. I also got a estimate of benefits from Medicaid showing that the bill was paid as well. I then called XXXX to verify that they got the information and was told that the original bill owner is still saying I owe the bill. Im not sure what else to do at this point. I do believe this is 1 insurance fraud. 2 unfair debt collection.