23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XXXX XX/XX/XXXX my flood insurance policy expired and I did not get notifications/ or saw the notification from NewRez until the end of XX/XX/XXXX, letter was dated XX/XX/XXXX so NewRez , my mortgage company placed forced flood insurance for {$310.00} per month, which is 3x the amount. And the policy that was not paid was only {$570.00} for the year. I found out through the agent XXXX XXXX  XXXX XXXX XXXX that it had expired, and the bill was sent to XXXX XXXX XXXX, which is a place I refinanced back in XX/XX/XXXX. I never received anything from XXXX XXXX XXXX Next step I contacted bankers American insurance and they basically told me they cant go back and reinstate the policy that I need to contact my agent to rewrite the policy. I then contact the new Rez where there was documentation that back in XX/XX/XXXX an agent was contacted at XXXX XXXX XXXX XXXX, asking for them to send over the bill so it could be paid and that XXXX never got to them. My main concern here is that I dont feel like I should have to pay the extra in my escrow for the shortage due to the fact that a lot of people drop the ball and they didnt get paid and they place the forced insurance that is 3x times the amount my original policy instead of something more comparable.
Product: Vehicle loan or lease

I was the principal co-signer for my son on an auto loan with Credit Acceptance. On  XX/XX/2018 when I contacted Credit Acceptance they stated the account was delinquent in XXXX. Why wasn't I contacted? I am the prinicipal co signer! Credit Acceptance did not advise me of delinquency on the account. As far as I knew the account was current. Credit Acceptance has a legal obligation to keep me informed especially since I was the principal signer. Credit Acceptance had offered an SFL offer of {$2400.00} valid through XX/XX/2018. We were going to honor that SFL offer and pay before XX/XX/2018. But instead of honoring their SFL offer Credit Acceptance on XX/XX/2018 illegally and unethically closed the account, sent it to collections and plummeted my credit score. I worked hard to build up my credit. In doing so I was going to purchase a car in XX/XX/2018. But since Credit Acceptances ' adverse action on my account, I won't be able to make my much-needed auto purchase. Credit Acceptance failed in their fiduciary responsibility by not keeping me advised of the accounts ' status,  closing the account and sending it to collections prior to honoring their SFL offer valid through XX/XX/2018. These corrosive actions are simialr to predatory lending practices which are illegal. I want to be made whole!
Product: Debt collection

Following collection companies has a collection account since XXXX. I don't recall opening account. I'm trying to buy house and they are effecting my credit report. 

Account NameMACYS/DSNB Account NumberXXXX  Account TypeCharge Card ResponsibilityIndividual Date OpenedXX/XX/XXXX StatusAccount charged off. {$380.00} written off. {$380.00} past due as of XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Dear CFPB Team, I am writing to seek assistance with a tax reporting matter involving these charged-off accounts ( XXXX XXXX XXXX  XXXX XXXX ( XXXX  XXXX XXXX ) ( XXXX XXXX ) ( XXXX  XXXX XXXX ) ( XXXX XXXX - XXXX ) for which I have not received a Form 1099-C. This form is necessary to properly notify the Internal Revenue Service ( IRS ) about the cancellation of debt, as required by federal tax law. The account in question was charged off by XXXXXXXX XXXX XXXX on approximately XX/XX/2023, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2023 ; XXXX XX/XX/2023 ; I have made multiple attempts to contact the creditor and request the Form 1099-C, which is required for accurate tax reporting. However, to date, they have not provided the form, nor have they indicated when it might be issued. As a taxpayer, I am committed to fulfilling all reporting requirements accurately and timely. The lack of Form 1099-C, however, has created uncertainty regarding my tax obligations for the period in question. I am concerned about potential IRS penalties or issues that may arise due to the absence of this documentation. I would appreciate any assistance the CFPB can provide in helping to resolve this matter. If necessary, please feel free to contact me at the information provided above for any additional details. Thank you very much for your attention to this issue. 15 USC 1681 15 USC 1681 s 602 15 USC 1666B ; 15USC 1681b ( 2 ) Never gave written consent to have them reported. Civil Liability for willful noncompliance.
Product: Student loan

I had two options to select from : subsidized loan and unsubsidized loan. I picked the " unsubsidized loan '' option and received a message saying that I have taken a loan out of Mohela and have to pay it back. It is on my credit report. If I really wanted to pick the subsidized loan, I would have taken the unsubsidized loan as well with it.
Product: Credit card or prepaid card

The above account has never had a late payment and has always been on auto payment. Last payment on auto pay was XX/XX/2022 when the account was held by synchrony bank. Account was then changed to Barclays and no documentation or request to update the auto payment system was done by Barclays and no payment was made until XX/XX/2022 when I finally received a letter of a passed due balance. I immediately paid the balance due and late fees to bring the account up to date. I have further gone and updated the auto pay system on my account so this does not happen again. I have had this account over XXXX years and have never been late with a payment. 

XXXX XXXXXXXX credit card account # XXXX
Product: Checking or savings account

My XXXX bank statement ending balance ( XXXX ) does not match the XXXX bank statement begining balance ( XXXX ) I believe this is intentional theft on the part of the bank. 


Cordially, XXXX XXXX XXXX XXXX XXXX XXXX
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 U.S.C 1681 XXXX XXXX XXXX XXXX Credit report Experian XXXX credit report .15 U.S.C 1681 section 602 A state I have the right to privacy. 15 U.S.C 1681 section 604 section 2 it also states a consumer reporting angency can not furnish a account without my writing instructions 15 U.S.C 1681 ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer reports containing any of following items of information any other adverse items of information, other than records of convictions of crime which antedate the report by more than seven years. 15 U.S.C 1681 -2 ( A ) ( 1 ) a person shall not finish any information relating to a consumer reporting agency if the person knows or has reasonable
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 XXXX. XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX ... ACCT # XXXX XXXXXXXX XXXX XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX ... ACCT # XXXX XXXX. XXXX XXXX XXXX XXXX XXXXXXXX ... ACCT # XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX ... ACCT # XXXX Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) Duty of Furnishers of Information to Provide Accurate Information ( 1 ) Prohibition ( A ) Reporting information with actual knowledge of errors. 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 paid off the loan in XX/XX/2022 the company has not updated this on my credit since and has continually reported that I am currently late with an outstanding balance of {$33.00} I confirmed with the company that my balance is XXXX this still did not update on my credit, at one point different information was reported to different credit bureaus. I disputed the account information as incorrect through Equifax and XXXX. XXXX response was that the information is correct. I confirmed after reviewing this response from XXXX that my balance was XXXX and XXXX once again confirmed this with me despite telling the credit bureaus during the dispute that I still had an outstanding balance and was late. They are clearly willfully providing false information during disputes or simply refusing to investigate disputes at all. I have included the chat transcript where an agent confirms I owe XXXX the disputes results which show XXXX provided false information to the bureaus and screenshots of my account showing no outstanding payments or orders and a balance of XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to Equifax about a debt showing on my credit report. The debt is from XXXX XXXX XXXX, original creditor, XXXX XXXX, in the amount of {$88.00}. 

I provided a copy of their credit report, along with the receipt showing the debt was paid. Equifax failed to respond to my letter, and they failed to remove the debt from my credit report.
Product: Vehicle loan or lease

I called XXXX XXXX immediately after I maid the overpayment Of {$3700.00}, Instead of {$370.00}. I also called my bank. Both institutions said the other institution could return the money. That was on XX/XX/XXXX. On XX/XX/XXXX I received an Email From XXXX saying the money would be returned within XXXX business days. I have called repeatedly and told the money would be arriving soon. I was told the case was being escalated but when I called today, XX/XX/XXXX, it has not been escalated but XXXX said he would now take care of it. I am XXXX XXXX XXXX and feel I am being treated without concern about my issue since they have the ability to stall me as long as they want without repercussions. Thank you for your help
Product: Prepaid card

I had my payroll check being deposited to the Rush prepaid card which is done every other Friday it has been 7 days since my deposit & I have not been able to get my money off of the card. The company says they had some type of software glitch so it 's happened to thousands of customers however the CEO XXXX XXXX ( very well known XXXX or XXXX ) has taken up all social media outlets saying the problem has been rectified yet I still have no access to my funds. I 've literally called their XXXX number probably XXXX times everyday just to be told that I should be able to get my money within an hour yet each time that has failed. I call the XXXX number again just to be placed on hold for XXXX hours then hung up on. I 've emailed, sent messages via XXXX, XXXX, etc per what they 're telling us to do on the XXXX yet nothing has worked. I work hard for my money & have several severe medical issues which causes me to take medicine that I have n't been able to afford to get. So it 's been a week since I 've had my medication I 'm literally praying that I make it through each day. Please help me!
Product: Checking or savings account

Subject : Formal Complaint Regarding Account Closure and Non-Release of Funds with Bank of America XXXX XXXX XXXX Account I am writing to express my deep concern and to file a formal complaint about the handling of my business account by Bank of America. This letter pertains to the abrupt closure of my company 's account, XXXX XXXX XXXX, and the subsequent issues with the release of our funds. 

**Account Closure and Mismanagement of Funds : ** - XXXX : ** I was informed by Bank of America that they would no longer support my business and decided to close my account at their discretion. No viable reason was provided for this decision. On the same day, I was assured that a cheque for the account balance of {$15000.00} would be mailed to me within 7-10 days. 

**Subsequent Events : ** - Despite the promise made on XX/XX/2023, the cheque was not received within the stipulated time frame. 
- Following this, I made several calls and visits to the bank, only to be given inconsistent and misleading information regarding the status of my account and the release of my funds. 
- As of the date of this letter, the funds remain unreleased, causing significant operational and financial strain to my business. 

**Impact on My Business : ** The sudden closure of my business account and the withholding of funds have left my business in a precarious position. Without a viable business account and access to our funds, our ability to operate efficiently and meet our financial obligations has been severely compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

When we moved to Texas, 6 months ago, I had a credit score of XXXX. Shortly after arriving in Texas, my credit score dropped 145 points and I have no idea why. I tried to contact each of the credit bureaus but was told that they could not identify who I was. I tried several times and was always told that I was not who I was saying I was. Last week, I receive a notice from XXXX XXXX that a new account had been opened in my name and social security number but dont have a clue who or why because I cant get a credit report. Because of these credit agencies I can not qualify for anything. I dont know what my credit score is or who has access to my credit because I am constantly denied access to my credit report. 

I just tried, once again to get my credit report from Trans-union, and the automated computer took my social security number, my date of birth, the numeric only portion of my address, then without any further information ( STREET, CITY OR STATE ) explained that my credit report would be sent out in 4 to 5 working days. 
SENT OUT TO WHERE? TO WHOM are they sending my social security number and birth date now? 

SOMETHING TERRIBLE IS WRONG WITH MY CREDIT REPORT. SOMEONE, PROBABLY LOTS OF PEOPLE, HAVE ACCESS TO MY INFORMATION AND ARE KILLING MY CREDIT AND I CANT GET A REPORT FROM ANY OF THE CREDIT REPORTING AGENCIES to do anything about it. 

I cant talk to any of them. I cant get any reports. I cant look at my credit report on-line. I have no idea what to do. When I saw my credit score drop 145 points, I tried desperately to contact these people for 8 weeks, but all I got was them telling me that I was not who they though I was. I gave up out of frustration. 

I just received notice from XXXX XXXX, that someone has just opened an account, in my name, for something I have no knowledge about and there does not seem to be anything I can do about it because I cant get a credit report.
Product: Mortgage

My wyfe died XXXX  years ago XX/XX/XXXX. She had no will. Im in probate court for XXXX  years in XXXX. 
Ive paid the mortgage faithfully since with XXXX XXXX. 

XXXX sold the mortgage to Select Portfolio service in XXXX of this year XXXX. 

SPS as they are called requested documents which I provided. 
In XXXX or so. I was notified that my monthly mortgages Payment was {$4800.00} not the $ XXXX month it had been. 
XXXX from SPS told me to continue to make my payments as I had been. 
Which I have been. 
Last month XXXX a manager from SPS that they could not talk to me without paperwork I have already submitted that they SPS REQUESTED. I submitted the same paperwork for another loan company and had no problems. 


Only since SELECT PORTFOLIO SERVICES has taken over my dead wyfes mortgage on our house that we raised our family in. Have I had a very real fear of LOSING OUR HOME. I built with my dead wyfe. I FEAR LOSING MY HOUSE BC OF NOTHING IVE DONE WRONG BUT LOSE THE ONLY REASON FOR LYFE MY WYFE.
Product: Checking or savings account

On XX/XX/XXXX I was the victim of a XXXX scam. XXXX $ was taken from my Citibank checking account to an unknown person. I have filed numerous claims to be reimbursed which all have been denied. I would like to note that I have been a loyal Citi client for over 40 years. I have a huge folder of correspondence and was told that my claim is being denied due to the fact that I did not protect my account. Every denial I have appealed.
Product: Debt collection

I theTHE ORIGINAL CREDITOR and FEDERALLY PROTECTED CONSUMER recently reviewed my credit file and noticed an inaccurate and unverfied account being placed on my account negatively and reporting to the three credit bureaus. 
This is a violation per the FTC 15 USC 1692 g invalidated debt.. and 15 USC 1692 f ( 1 ) furnishing my Consumer Information without my consent. 
Living funding is a third-party debt collector ... I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX ) I presume that no proof alleged debt, therefore any such debt in fact exist. 

Take note : This account has been disputed and deleted. This is evidence that the account is inaccurate and indeed not belonging to myself.
Product: Debt collection

I spoke with a collection company called XXXX XXXX XXXX XXXX XXXX XXXX in regards to an old account that was under my ex wife, we came to a settlement to avoid damage on my credit, My credit card company blocked transaction as fraud charge. 
Collection company called me yesterday during works hours i asked to please call me after work which they do not did. Today after the first phone call during work hours i told Capital group to call me at better time a representive from this company started threated me bad with abusive language saying that im hiding to not paid this charges that im a fraud person, saying that i better take care this balance, i ended up hangup the phone. 
He decided to call me at least 10 times after i was clear that i cant talk during work hours. 
This could cost my job and i dont feel comfortable with a company like this having my private information and constantly harrasement over the phone.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute several credit inquiries on my credit report that I did not authorize. These inquiries are affecting my credit score and do not reflect any credit activity initiated by me. I am a victim of identity theft, and these inquiries were made without my consent. 

Below is a list of the unauthorized inquiries that I have identified on my credit report : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my Rights. Under Act 15 U.S.C. 1681 section 602 states I have a right to Privacy, 15 U.S.C. 1681 section 604 A, section 2 it also states, A consumer reporting agency can not refurnish an account without my written instructions. Under 15 U.S.C. 1666B A creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX/XXXX/17 Filed a security freeze with Equifax - have since found out my PIN is the time stamp of the filing - trying to change the PIN however unable to access the call center. No announcement that the firm is mailing out new PINs, which I 've already received from the other two credit reporting Bureaus.
Product: Money transfer, virtual currency, or money service

Paypal has closed my account for no reason and will not help me to get it up and running. They asked me to provide proof of all my information. I provided them with the information on the XX/XX/2021. They responded on the XX/XX/2021, saying that they have decided to close my account. I even went ahead to tell them that I was working online and paypal is the only mode of payment allowed by my employer and they still decided to close it with my money in it, for absolutely no reason. 
Am not sure whether it is a mistake but I haven't received any help from them so I felt I should just file my report here as I feel they are not doing their job properly and its really affecting me a great deal as I use paypal frequently. My paypal email is : XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

All three credit bureaus XXXX experisn and XXXX ] is fraudulently reporting a high credit card utilization for seversl credit cards when I only have one card. It's impossible. It must be corrected
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX and Equifax requesting validation of debts and derogatory marks being reported to my credit. As of XX/XX/2021 I have not received any form of validation. This is against the Fair credit reporting act law stating agencies have a 30 day window to provide validation. The following accounts and inquiries were listed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

We were also told to let you know that we received the texts, which is how we believe we hacked, and phone calls. 
I hope this account has now been closed in total and shows a new account and a XXXX balance with these transactions, and the account has been removed from my name and information. 
This account still needs to be resolved and violates many disputes, rules, and regulations. I have filed a complaint with the CFPB and will continue to submit complaints until it is resolved. I'm afraid that's not right, and I have been very patient, but this needs resolution immediately. 

Thank you, XXXX XXXX From : Discover Card XXXX Sent : Saturday, XX/XX/2023 XXXX XXXX To : XXXX XXXX Subject : Thanks for reaching out to our team Account Center Last 4 # : XXXX Discover logo We take your feedback seriously Thanks for telling us about your experience. Feedback like yours helps us get better every day. 
Thank you for choosing Discover, Your Customer Service Team 100 % U.S. Based Customer Service available 24/7* Discover App Manage your account anywhere
Product: Debt collection

I just missed one payment and CITI SEARS has called me from XXXX on XX/XX/19 SUNDAY 4 times SO FAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was an authorized user on this account but have since removed myself. Its been three months and they still have not reported to XXXX despite me disputing it with them.
Product: Debt collection

Phoenix Financial states that this debt 1 is from XX/XX/XXXX with an amount of {$2500.00} that they put on my credit report as a late payment. When contacting Phoenix Financial Services they inform me that this account is from XX/XX/XXXX from a credit card that was not mine. A. These charges are not mine and B. They shouldnt even be on my account from 7 years ago. How do you even get away with this? I need and want this taken off of my credit. I had greatly improved my credit score and this false debt has lowered it tremendously by almost 50 points. I desperately need help with this matter. I look forward to communicating with you.