23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I refinanced with Interfirst late last year XXXX. My home insurance was paid through XX/XX/XXXX with XXXX. I made three attempts with XXXX to obtain my insurance billing and never received it. XXXX has since admitted they can find no notes or record of the issue and just that I only called them. Because of the issue with XXXX, I obtained insurance through another provider on XX/XX/XXXX. XXXX notified Interfirst that my policy cancelled on XX/XX/XXXX. Interfirst is engaging in forced place insurance for the time period between XX/XX/XXXX and XX/XX/XXXX despite my interactions with them on this issue. I have just received notice that Interfirst is charging {$270.00} for insurance coverage worth {$330000.00}. My home appraisal which I paid for to obtain the Interfirst refinance is {$250000.00}. The loan balance is {$190000.00}. The insurance company that is providing the policy that is making pay 4x market rate is from a company called XXXX. By all appearances, XXXX is an affiliated company. This action can not meet any definition of reasonable for Interfirst to over value the worth of their loan investment and pad extra revenue for XXXX under the premise they are allowed to force retroactive insurance on a consumer. It not only is taking advantage of a situation I did not cause and also remedied in quick manner, but it is an obvious display of grift and corruption. Why does CFPB not protect consumers from such action? How is CFCB not stopping the practice of over valuing my home so a money lender and insurance company can grossly profit from an unfortunate mishandling of documents by my insurance provider? They are insuring nearly twice the amount of their actual loan risk which is not even a risk when it is past tense and they literally incurred no losses. It can only be grift to deliver pure profit to company at 4x the market rate for insurance. I want CFPB to force explanation of Interfirst 's relationship with XXXX? Why InterfirsXXXX has not sought competing bids? and why Interfirst is now valuing my home, for their own purposes and not mine, to be at {$330000.00}.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies in my personal information and request corrections and updates to my credit report pursuant to Section 611 of the Fair Credit Reporting Act ( FCRA ). After reviewing my report dated XX/XX/year>, I identified the following discrepancies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

On XX/XX/2019 I submitted a dispute for these accounts XXXX XXXX XXXX   Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX because they do not belong to me. XXXX and XXXX deleted them from my credit file but Equifax claims they verified the accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. Upon analyzing my updates, the inaccurate information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the inquiry that is still reported on my Credit Report : XXXX XXXX XXXX XXXX , XXXX- Inquired on XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I initially contacted Experian the 3rd week of XXXX to remove dispute comments from 3 accounts on my report ( these accounts have been closed for some time ). After 3 subsequent requests, they were removed. However, about the first week of XXXX, an account which is open/current and had never been disputed or had such comments, reflected negative comments/remarks when my lender ran my report. I have contacted Experian repeatedly and have been told that they don't see any comments/remarks on their end on my report. They continue to send me 'new ' reports clearly reflecting these comments/remarks. On or about XX/XX/XXXX, I spoke with the membership department for Experian and they told me that they could see the comments but didn't have access to make changes to the report. I was transferred back to the dispute department who again told me that the comments had been removed. I requested to speak to a manager and was told that one would call me. Twice. I've yet to receive a call. This lack of resolution has delayed my refinance for almost 3 months now. In my last communication with them on XXXX, I explained that the plethora of new reports indicate an investigation date of XX/XX/XXXX though I have initiated several since that time. I indicated that maybe whatever was not updating the investigation date, may also be the reason my report isn't updated when it is printed out and sent to me by them or printed by my lender. I was told for the umpteeth time " Ma'am, it's not there. I can send you another report ''. My last call to them was XXXX in regard to a report I received pursuant to my call on XX/XX/XXXX. The comments/remarks are still there. Please see the 3 most recent attached reports clearly showing the remarks/comments ( circled ), Thank you for your assistance in this matter.
Product: Checking or savings account

I deposited a check at a Bank of America ATM. The deposit was taken but I was not made aware until after it was complete there would be a 7 business day hold placed. I have talked with several representatives, all but one stated that was common practice at their ATMs for check deposits. I was told by the first representative that later that next day I could request {$200.00} of the funds to be released and the could after they could view the check. I waited 3 days to make sure it was viewable and was told there was no way to get any of the funds released. If this is common practice customers should be notified. If the hold can be printed on my receipt I should be allowed to cancel the deposit and handle the transaction a different way. I asked is I could bring proof from my dad 's bank that the check cleared for the funds to be released, they would not allow that. I have since making the deposit incurred NSF fees on my account as a result of the funds being held.
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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Transunion 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 accounts 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 card

Someone tried to open a credit card with Capital One in my name. I got the credit card in the mail and called Capital one immediately to report the issue. I am putting this information in so that you know what happened in case something like this happens again. I never opened this, I had one credit card with Capital One over ten years ago and I do not plan to bank with them.
Product: Checking or savings account

I have been a chime customer for 5 years. Never any issues. I received an email today stating my checking and savings account were closed due to not meeting the TOS. I have no idea what I did. I feel this was a mistake. The issue is I get paid tomorrow by direct deposit. I have bills to pay and now there is no account. I called their CS number and the rep could not tell me specifically what caused this closure. I need answers and to know where my money will be going?
Product: Checking or savings account

XX/XX/XXXX i used atm in the amount of XXXX The next day their was atm withdrawal in the amount of XXXX and an attempt to withdrawal XXXX which was not me. I had my card in my possession at all times and noone has my number or pin. I immediately notified Credit Karma about the situation and had my card closed I also made a police report. 4 days later Credit Karma denied my fraud claim. With no explanation of why. The police inform me that it was most likely a skimmer on the ATM machine how can they make a determination before the police even finish their investigation.
Product: Payday loan, title loan, or personal loan

This is in response to consumer complaint number XXXX. 

PayTomorrow has stated that this application is out of their jurisdiction and that I should contact XXXX in regards to the denied application. 

However after speaking with the XXXX XXXX XXXX at XXXX, he responded : " PayTomorrow is a platform and XXXX is the Lease to Own option on that Platform. Along with other lenders of which PayTomorrow is XXXX of them... They would have to respond about this notice as it is their notice to you '' Please provide me with a proper response and direct me to the right person of contact to approve my finance application at XXXX XXXX XXXX in XXXX, CA or I will be forced to file a small claims lawsuit with the state of California for breaching the Truth in the Lending Act and Equal Credit Opportunity Act for discrimination of the applicant on creditworthiness when the applicant clearly has the ability to contract as the social security number was ran through XXXX XXXX during the denial process.
Product: Credit reporting or other personal consumer reports

This loan is over XXXX years old paid off over XXXX years ago and still is showing up on my report
Product: Vehicle loan or lease

I got into an accident a few months ago and as far as I knew the insurance company and gap insurance were supposed to take care of the loan. On XX/XX/XXXX the insurance company sent the dealership a check of over 10,000 dollars to pay on the vehicle. We have continued to receive calls regarding this account, and today I spoke to someone who identified herself as XXXX XXXX who was very rude, stating they never received the payment and GAP insurance wont kick in until we do. She also said that the check of over 10,000 would not cover any past due amounts I.e. what we havent paid since our car was totaled. I asked why and she got frustrated with me, not understanding my actual question which was simply why wouldnt the insurance check cover the past due amount and kept telling me GAP doesnt cover past due amounts, which was not what I was asking. I tried to explain my question to her and she told me I wouldnt get anywhere with this conversation if I kept talking over her. 

I asked for her supervisor, whos name was XXXX, who then got on the phone and explained she saw nothing wrong with the conversation on her end, as she sits next to XXXX XXXX and didnt hear her get loud. I asked the same questions, which werent answered by the supervisor either. Who also became rude with me. I asked to be removed from the call list, saying that I would prefer to deal with this on my own than be treated poorly by debt collectors who wont answer my questions, or even try to understand them. She then said that we wouldnt be able to be called by the GAP insurance either and we would have to contact them. 

All in all I still have no answers, not to why they havent received a check that was sent to them a month ago, or why Im being held responsible for payments that were after the date of the car being totaled, or why the check from the insurance cant cover those payments.
Product: Debt collection

Dispute Over Inquiries on XXXX Credit Report- Unauthorized AccessI contend that all of the inquiries made by SYNCB on my XXXX Credit Report are unauthorized and must be removed. Credit reporting is inaccurate and incomplete. I did not give my consent to access my credit report. 

Background Identification BreachOn or about XX/XX/XXXX, I had my gym bag and contents in a locker stolen and compromised. At the time I believed that my identification had been in my purse in my car, however, this was not the case. From that date on I obtained replacement identification without knowing that I had a right to file the information with the credit reporting entities. Since XX/XX/XXXX, up through and including XX/XX/XXXX, I find that an individual in XXXX XXXX XXXX, California, may be compromising my identity. 

During these times I have found that my internet email has been inordinately littered with requests for credit card loan and merchant credit card offerings, which may or may not be normal these days, but seem unusual and suspect. 

Any internet inquiries into my credit, if any, were unauthorized by me.
Product: Credit reporting or other personal consumer reports

i am in disagreement with the account listed below which still appears on my credit report even after your investigation..i would like these items re-investigated. the inaccuracies are highly injurious to my credit score. 

XXXX  acct # XXXX In accordance with the FCRA, public law 91-506, title VI, section 611 15 usc 1681, please provide me with the NAMES AND THE BUSINESS ADDRESS of each individual with whom you verified the information above so i can follow up.

please send me an updated copy of my credit report after your thorough investigation
Product: Mortgage

In XXXX of XXXX our mortgage went into forbearance for covid 19. 

In XXXX of XXXX I called and asked to make arrangements since we couldnt pay the forbearance amount in total. We were approved for a mortgage adjustment. Payments were to begin XX/XX/XXXX. We were sent a packet with information to be notarized. We were told the mortgage company was providing the notary. 

The notary kept making appointments and cancelling or not showing. 

We called and were told we were going to receive a different adjustment with payments starting XX/XX/XXXX. I called in XXXX because we had not received the paperwork. I was told we would be fine and to make a payment. We made a payment. 

The paperwork did not come. In XXXX I called about making a payment. I was told making a payment could interfere with the adjustment of the paperwork was not complete. I was told we could make the payments retroactive to XXXX with the paperwork. We never received the paperwork. 

I called in XXXX and was told that the paperwork was not generated. That a new plan was made. That the payments could not be retroactive. 

We are trying to sell our home and move to a different situation. We will need financing. In order to get financing we need three on time payments. The mortgage company is interfering with this. We have received complicated and contradictory information. We need help,
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX SENT DISPUTE LETTERS TO XXXX, XXXX, EXPERIAN XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX RECEIVED RESPONSE FROM EXPERIAN XXXX SENT DISPUTE LETTERS TO XXXX, XXXX, EXPERIAN XXXX RECEIVED RESPONSE FROM XXXX  XXXX XXXX RECEIVED RESPONSE FROM XXXX  XXXX RECEIVED RESPONSE FROM EXPERIAN I have sent requests to all 3 credit reporting agencies to correct a public record on my credit file as well as multiple inquiries for credit requests. A bankruptcy that is incorrectly showing on my credit report in which I have included a letter from the U.S. Bankruptcy court stating that they do not report to or furnish debtor/creditor information to the credit bureaus. The responses from all 3 bureaus state that the furnisher of the information is accurate and correct. The corporation reporting this information is XXXX, a company in which I have no dealings, business or contracts with. Furthermore, any and all information acquired and/or provided by XXXX pertaining to myself or my person has been done so without my express consent or by identity theft and should be removed as well.
Product: Credit card or prepaid card

According to my credit report, an inquiry on my XXXX was done on XX/XX/2022 from Bank of America. Apparently, someone applied for a credit card using my name and old address which resulted in me putting a credit freeze on my XXXX account. 

On XX/XX/2022, I contacted via phone the Bank of America ( XXXX ) at XXXX and explained to the customer service that I never applied for a credit card at all. The customer representative canceled and closed the account. There is no way of me knowing if the closed account occurred yet.
Product: Credit reporting, credit repair services, or other personal consumer reports

PORTFOLIO has failed to VALIDATE this debt they only send paper statements under FDCPA thats violating my rights as a consumer. They are also attempting to collect a debt that is past the statue of limitation. They have not provided me with the original contract bearing my wet signature. I have no contract with PORTFOLIO. I have the right to privacy. I never gave consent to report this account on my consumer report. This account needs to be removed/ deleted/ blocked from my consumer report. You told me to contact this company and I have done so.

FDCPA 809b requires this to be deleted until they validate. I have requested validation and they have not produced it. Delete this now.

Please produce the contract used to verify this account because I have none with them and the information you have is inaccurate.

I have also filed and Identity theft report and this account is included. Its been over 4 business days and this account still hasnt been blocked under FCRA 605B 15 U.S.C. 1681c-2
Product: Bank account or service

Describe what happened so we can understand the issue ... 
Naval Federal Credit union fail to pay bill as though their bill pay as agreed resorting in my credit going bad they told me they was going to depute the to each reporting company and did not also was to send me a copy of what they did and have not done so this was done to hurt my credit and then refused to help resolve the issue they made and lied about it which is why they did it intentionally They said they sent you a letter to give to me. Never got it They are now retaliating against me by not paying my bills as set up in the system and scheduling payment early so they can charge me a fee. They claim they ca n't see my records lie lie its in their system. They agreed to send a letter to the reporting agency 's and was sending me a copy by mail, when asked they sent it to you to give to me still do n't have it. Their current action is retaliation for filing prior complaints. They have and to continue to mess-up my credit.
Product: Debt collection

I changed cell phone companies in XXXX XXXX from XXXX XXXX to XXXX. I had asked a XXXX XXXX representative about any outstanding bills prior to changing my account. He said the bill would be transferred to XXXX and would appear on my XXXX bill. 
I changed telephone companies and heard no word from XXXX XXXX until XXXX XXXX, XXXX in the form of a letter from a debt collection agency. I have never had a late or missed bill with XXXX XXXX after being a customer for 10 years. I think it is wrong that I did not receive any type of notice stating I had an outstanding balance prior to being sent to a collection agency. I would like to confirm that this does not show up on my credit report and ensure this does not happen to other people. This is wrong and affects your livelihood. 
Thank you for your time.
Product: Credit card or prepaid card

CNB Crystal VISA Infinite # XXXX I reported my credit card as lost/stolen, and my IDs, around XXXX, via calling the number on the back of my card. There were a few charges on the card, which I reported as unauthorized, which were as follows : XXXX XXXX # XXXX {$74.00} Posting Date XX/XX/2020 XXXX XXXX {$18000.00} Posting Date XX/XX/2020 XXXX XXXX XXXX XXXX {$21.00} Posting Date XX/XX/2020 It is important to note that all these charges went through, and processed, without the bank ever sending me a text, or calling me, to verify, whether I am, indeed, making such big transactions. 

On XX/XX/2020, I received an email from XXXX XXXX ( please see attached ) with a request to sign an affidavit, so that they could process my claim, which I did, and emailed them on the same day ( please see attached ). Credits were then applied to my account. 

On XX/XX/2020, upon logging into my online banking account, I noticed that the credits have been reversed. I called the number on the back of my card again, and was told, a letter has been sent out on XX/XX/2020, stating these charges have been determined not to be fraudulent, and I have been re-billed by the merchants. 

What has happened here is absolutely unacceptable. Since XXXX that I reported the fraudulent activity on my credit card, I never received a call/letter from CNB, requesting additional information, prior to my claim being denied, even though, under penalty of perjury, the bank had been provided with a signed declaration of fraudulent activity. Since the claim, I have also filed a police report # XXXX with the XXXX Police Department, showing that the purchases were not made by me or anyone I know. 

This is a violation of my rights. According to laws and regulations, for any unauthorized charges made on my credit card, if reported promptly, I must not be held liable. If the bank decides to deny my claim, I must be provided with an explanation that sets forth the reasons for the banks belief that the billing error alleged by me is incorrect, in whole, or in part, and I must also be provided with copies of documentary evidence that was used by the bank in determining my indebtedness. 

Given the police report that has been filed, under the penalty of perjury, as well as the prompt reporting of the unauthorized charges on my credit card, I would appreciate it, if CNB could reconsider its decision, re-open my claim, and reimburse me for the fraudulent charges that has occurred on my credit card. 

If CNB still decides to deny my claim, after the new information that has been provided here, I, hereby, request the bank to provide me with the documentary evidence used in making this conclusion. 

Thank you for your time and consideration. 

Sincerely, -XXXX XXXX