23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

FEMA mandated a large area in which I live to be in a flood plain on XXXX XXXX, XXXX. It included everyone in about a XXXX of the County in which I live. I have lived here for 29 years and 10 months. This is all new at this time. On XXXX XXXX, XXXX, Citi Mortgage issued a letter stating that I had to get flood insurance absolute by XXXX XXXX, XXXX,. This was the first that I learned of this status. Citi Mortgage stated that if I did not obtain flood insurance that they would establish a policy that " may be higher than the cost of flood coverage obtained by your own insurance agent. '' So, in any event, I am forced to get flood insurance! I have worked diligently in consulting with the Assistant City engineer of my city and he performed a site elevation survey and published a certificate stating that I should be OK to not need flood insurance. ( See attached Certificate dated XX/XX/XXXX. ) Shortly thereafter, I sent in the required documents ( deed, assessors map and Certificate to FEMA for them to review to apply for a Letter of Map Amendment ( LOMA ) or Letter of Map Revision ( LOMR ). I received a case number and then I called them and they said that the earliest possible timeline that they may address this issue would be 60 days. 
My complaint is with CitiMortgage in that they will not give me the time for due process. 
They are operating on a heavy handed process that gives no concern for the consumer!!!! 
I had called them and submitted to them all of my documentation via fax and have received no response. ( I will include my letter to them ). 
I have been in dialogue with the Consumer Protection Agency of the Federal Reserve who told me they have no jurisdiction over Citi and directed me to file a complaint through you. 
I have check with XXXX insurance companies for flood insurance. one quoted a price for XXXX coverage, XXXX deductible to be {$460.00} annually. The other will only insure for {$250000.00} coverage at a rate of {$530.00} per annum. 
I am being forced to purchase this insurance and am doing so under protest but, of course, I want a lower premium so I have to go with the lower quote. 
I feel this is totally unnecessary ... ... 
History, when I purchased the property over 29 years ago, a 100 year flood XXXX was reviewed. It was deemed then that because the creek that previously impacted the lake on which I live had flowed into the lake. XX/XX/XXXX the creek was diverted to flow around the lake and in no way flows into the lake. 
During my nearly 30 years, I have not experienced anything that would impact any of my structures of the property that would be even near a flooding situation. 
I am requesting more time so that I can iron things out with FEMA. 
I believe that I am being squeezed by FEMA and railroaded by CitiMortgage. 
There is absolutely no fairness whereby I will pay for insurance when in fact it appears to not be necessary!!!!
Product: Bank account or service

An merchant account was created in my business ' name using my company 's EIN number. This account was created by someone who was not an officer of the business and Chase followed NO due diligence in making sure the account being opened was actually legitimate. Over a week before the account was closed, they allowed over {$7000.00} in charges ( that I am unaware to which bank account they went, since it was not mine ) and are claiming I will be liable for any charges made under my business name. Moreover, they are absolutely REFUSING to disclose any information to me without jumping through numerous hoops and filling out paperwork. They wo n't even give me such simple information such as WHO Opened this merchant account, because they could not have been an officer of the company. I 've spent several days waiting on calls back and spoke with several representatives all of whom acknowledge the fact that my identity and business ' entity 's information may have been compromised but they refuse to help me in any way or disclose the information I require to further investigate or take action against the perpetrators. I demand Chase disclose all pertinent information regarding this case ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance 15 U.S code 1692 C. Communication in connection with debt collection with the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, debt collector may not communicate with a consumer in connection with the collection of any debt. At any unusual time or place known or which should be known to be inconvenient to the consumer. 
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: Consumer Loan

I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2015 to XX/XX/2015 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.
Product: Credit reporting or other personal consumer reports

XXXX shows a charge off of {$220.00} and LVNV funding shows a collection for the exact same charge off. I have requested both companies to remove this as it is a duplication.
Product: Mortgage

My name is XXXX XXXX XXXX, My Mortgage was closed and paid off as part of a Chapter XXXX Bankruptcy Proceeding with XXXX XXXX which also calls itself Wells Fargo and does business as America 's Servicing Company. The Bankruptcy Case Number that fully cured this debt is XXXX. A notice of Final Cure of this Real Estate Mortgage was fully Acknowledged by XXXX XXXX  AND United States Bankruptcy Court XXXX District of Arkansas which was signed by Judge XXXX XXXX XXXX on XX/XX/XXXX, 2016. Even though my Mortgage debt was completely paid. XXXX XXXX dong business as Wells Fargo and America 's Servicing Company started sending me new Collection notices under several other bank names and servicing companies for the same loan. Wells Fargo and XXXX XXXX even attempted to illegally foreclose on my Home knowing that all debts on it had already been fully cured under the court proceeding. 1 ) I am asking the CFPB to stop Wells Fargo and XXXX XXXX to stop illegal monthly collections on a loan that has already been paid and acknowledged as paid in full in court documents. 2 ) I would like the CFPB to make Wells Fargo and XXXX XXXX to send a XXXX Balance so that I may obtain the Real Estate Deed to the Property XXXX XXXX XXXX XXXX, XXXX XXXX Arkansas, XXXX as the sole and rightful owner. 3 ) I would like the CFPB to investigate Elder Abuse and Fraud by Wells Fargo and XXXX XXXX for knowingly and illegally collecting on a paid debt. US Court Documents confirming the facts stated above are attached. I was taken advantage of and the victim of these financial crimes because I am an elderly XXXX man in my XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute a case of identity theft and fraudulent activity that has severely impacted my life. While residing in XXXX and during my relocation to a new address, I became the victim of identity theft when XXXX XXXX was arrested for the crime. My mail was intercepted, and this situation has caused immense emotional and financial distress. 

As a result, an auto loan was fraudulently taken out in my name from XXXXXXXX XXXX  for the amount of {$55000.00}. I drive a XXXX XXXX, a car that I love and cherish, and I was horrified to discover this fraudulent loan during the global pandemic. Since then, I have been tirelessly fighting to have this fraudulent loan resolved. I feel hopeless. 

XXXXXXXX XXXX  allowed this fraud to occur, and both Experian and XXXX have been slow to respond and take appropriate action, despite knowing the legal obligations under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, which should have protected me in this instance. Despite the documentation I have provided, including evidence of the fraud, neither the credit agencies nor XXXX have taken adequate steps to rectify this matter. 

This fraudulent activity has had a significant negative impact on my life. My XXXX XXXX XXXX XXXX XXXX and the damage done to my credit has delayed our ability to build our future and purchase our dream home. Furthermore, I am seeking damages for the undue hardship I have endured due to this fraud. 

Additionally, it is now important to note that this loan has been charged off by XXXX. Based on the precedent set in XXXXXXXX XXXX XXXXXXXX XXXX XXXX, the charge-off was removed after the filing of a 1099 form. XXXX can not both charge off the debt and continue to collect on it, especially since this debt is not mine. 

Given the significant financial and emotional toll this situation has taken on me, I demand that this fraudulent account be immediately removed from my credit report. If this matter is not resolved promptly and to my satisfaction, I will be forced to pursue legal action and seek damages for the harm this fraud has caused. 

I appreciate your immediate attention to this matter and expect a timely response. I gave them years to make this right and I was given the run around - I am drained.
Product: Credit reporting or other personal consumer reports

On XXXX Experian Credit Bureau reported a dispute I submitted had been verified through the companys referenced XXXX. However their findings are incomplete, my dispute was demanding a XXXX from referenced companies I need Experian to share those findings with me via email or however works best for them.
Product: Credit card

I have sent a letter and got a generic response saying that they were unable to process my request. The reason they gave for closing the account is not accurate.My reward points should be returned to me. 

Here is part of the letter I sent to Amex .... 

I am writing to formally request the restoration of the reward points that were removed from my account following the closure of my XXXX XXXX account, ending in xxxxx. I was taken aback by the closure, especially given the circumstances. 

The reason provided for the account closure, as stated in the letter I received, is that it was due to the manner in which I acquired event tickets. Specifically, I made a purchase in XX/XX/XXXXXXXX  for concert tickets totaling {$1100.00}. I suspect the issue might be related to another individual on my account whose accounts were canceled simultaneously ; this person had not used the card assigned to them in over two years. 

Upon discovering the closure of my account, I contacted American Express and was initially informed that I could redeem my accrued points for gift cards. However, after receiving an email with a link for redemption values and attempting to redeem my points the next day, I was informed that my points had been forfeited. This contradicts both the initial information provided and the letter stating that points could be redeemed for 90 days by calling XXXX. 

The points accumulated on my XXXX XXXX account total over XXXX. These points were earned with the intention of funding a significant family trip during retirement. The unexpected forfeiture of these points has caused considerable distress, XXXX, and financial hardship. 

Given my longstanding relationship with American Express since XXXX and the unjustified nature of the account closure, I respectfully request a review of this matter and the restoration of my accrued reward points.
Product: Credit card or prepaid card

Received brand new vanilla visa prepaid card valued at {$100.00}. Card will not work anywhere. Cant add and use my card on online shopping websites. Says card is invalid. Cant check card balance on their website. Called number on card and says there is issue with card. Submitted complaint with XXXX  and have not heard back. Want a replacement card that works or a check for the amount of the card {$100.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I mailed certified disputing two bankruptcies requesting an investigation, that are reporting negative on my Experian credit report. Experian received my dispute on XX/XX/XXXX @ XXXXpm, and to this day I have not received any dispute results which is a violation of the FCRA. I called to get an update on XX/XX/18. I spoke to the dispute department and they notified me that my case was now in the special services department. When i finally spoke to XXXX XXXX and another employee, and they stated that they didn't know what happened and why no results were mailed to me. They failed to provide me with verifiable proof required by their company, and that is violation under Section 611 ( 5 ) ( A ) of the FCRA. I also requested the description of the procedure to verifiy the bankruptcy and one the employees told me no, they didn't have to give me anything. That's another violation under Section 611 ( 6 ) ( B ) ( iii ). I spoke to the person that is actually over my case, XXXX XXXX XXXX, on XX/XX/18 and told him their investigation was incomplete and by law they have to delete the unverifiable items that were included in my dispute. He stated that he understands the law, but he could not delete it. I asked him why and he said they can only delete it if it was unverified during investigation. He also stated that an investigation was not done when I mailed my dispute. He stated that the last investigation was done in XXXX of this year even though I've sent disputes in after XXXX. Which is also a violation of the FCRA. Mr. XXXX stated that during the XXXX investigation they didn't contact the furnisher ( court house ) but contacted a third party vendor to verify the bankruptcy. Once again that is a violation of the FCRA and they could not provide me with proof of the verification. XXXX stated that once it comes back verified, it will always be verified without investigation and that is not right nor legal.
Product: Credit reporting, credit repair services, or other personal consumer reports

I previous ; ly nitidied Equifax that i'm a victim of identyity theft
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I tried logging into my Experian App since I received two notices in the mail of attempted unauthorized account openings. When I tried logging into Experian, I realized I had an account takeover since my social and date of birth were linked to a fraudsters email account. 

I'm working on getting that resolved with Experian, but the issue I want to report today is with regard to Experians Automated Chat Assist when you call them. The system recognized I was having issues with logging in, but refused to allow me to speak with a representative. I'm paraphrasing, but the system states it's only allowed to transfer certain calls, and mine essentially didn't fit the criteria. This means that there's an 'infinite loop ' caused by the system- it request I put in my social security and zip code, it brings up the email address of the fraudster, and states that it will send an email to the address on file. 

I know there's was a post made in XXXX of 2023 regarding this topic - I'd just like to express my frustration having been barred from speaking with a live specialist due to the chabot system Experian has in place. Especially with regard to fraud/account takeovers.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX. account # XXXX ; XXXX # XXXX ; XXXX account # XXXX ; XXXX XXXX account # XXXX, XXXX XXXX account XXXX XXXX, DPT ED/XXXX account # XXXXXXXX XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U. S. C Section 604 A section 2. Its also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft and my file XXXX has been suppressed due to the severity of usage of my identity I have did reports and still nothing has been done to clear or correct this problem
Product: Student loan

Navient took way more money out of my account than authorized and never issued my refund. I have been constantly calling them and sending them my bank statements to get this resolved, however they continuously give me the run around and each rep provides me with different information and different steps to take. I have submitted bank statements twice that reflect I have never received the refund. 

I believe they are engaging in unfair and deceptive business practices.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am in total disagreement with your investigation response. The incorrect items listed below still appear on my credit report, even after your investigation. I would like these items immediately re-investigated and for good cause. These inaccuracies are highly injurious to my credit ratin XXXX / XXXX XXXX Account number - XXXX Furthermore, In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, I demand that you provide actual proof the information was verified, not a computer generated confirmation.

Please provide : 1. The names and business addresses of each individual with whom you verified the information with above, so that I may follow up.

2. The date you contacted the individual funishers of information.

3. The method of communication you used to verify the information.

I would also like to know if the furnisher provided you with my SSN, address or DOB. 
Please forward an updated credit report to me after you have completed your investigation and corrections. 
Your cooperation and prompt attention are required by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

IT'S BEEN MORE THAN 30 DAYS AND EXPERIAN, XXXX, AND XXXX ARE NEGLECTING MY DISPUTES. I HAVE WAY TOO MANY INACCURACIES ON MY CREDIT REPORT AND MY CREDIT REPORT SHOULD BE 100 % ACCURATE. EACH CREDIT BUREAU VERIFIED ACCOUNTS WITHOUT TELLING ME THEIR METHOD OF VERIFICATION AND HOW THE ACCOUNTS WERE NOTED AS BEING ACCURATE. THEY ARE NOT ACCURATE BECAUSE THEY DON'T EVEN BELONG TO ME. THESE ACCOUNTS ARE UNAUTHORIZED AND I DID NOT BENEFIT FROM ANY ONE OF THESE INACCURATE ACCOUNTS. NO ONE HAD FIRST HAND KNOWLEDGE OF THE ALLEGED ACCOUNTS THAT DON'T BELONG TO ME. THIS INACCURATE CREDIT REPORT IS UNFAIR AND HURTING MY REPUTATION WITH THE BANKS AND THIS IS HURTING MY CHANCES AT GETTING A MORTGAGE.
Product: Checking or savings account

My complaint is in regards too an offer being offered by Capital One 360. When I logged into my mobile app, there was an offer that indicated if I opened a 360 Performance Savings account, depending on the amount of money deposited into the account I could receive a bonus up to {$1000.00}. My initial deposit would have been {$30000.00}. However, when trying to access the reward it disappeared and when I went back into my account it was no longer there. I called the customer service number and the associate that I spoke with indicated that this was a glitch and that I should not have received the offer for the award. He also indicated that three other people had called in with the complaint. 

Given that it was no fault on my end, and the fact that associate indicated that it was an issue on the bank 's side, the offer should have been honored. The fact that the bank has refused to honor a offer that they marketed to me is unacceptable.
Product: Credit card

On XX/XX/2023 I contacted Citi bank credit card to set payment arrangements after I was XXXX  and XXXX XXXX XXXX. They agreed to do the payment arrangements of {$300.00} dollars a total of 5 payments. We agreed on it I received my confirmation letter for payments I went online to make my first payment and could not do it by the app online. I called them and spoke to a representative who took my payment over the phone. A few weeks later I get a call saying my payment was returned I said no not possible they read the information the prior representative who made arrangements had the incorrect information. I gave them the correct information for my bank and the first payment was withdrawn from my bank. I had to call back to make the following payment. When I called Citi Bank representative said my credit card was closed I asked to speak to a super and no one could give me an answer other than to wait for a letter. Citi Bank had a breach of contract after arrangements were made by both parties me and City Bank.
Product: Credit card or prepaid card

On XXXX XXXX, 2017 I received my second unsolicited and unwanted American Express credit card ( this card came at least with a return address on the envelope : XXXX XXXX XXXX, XXXX, NE XXXX ). Just the month before I had received the first American Express card AND a sheet of checks to get cash from credit, which totally appalled me! This 1st card had a much higher credit limit than the 2nd one received called XXXX Credit Card from American Express. Both of these unwanted, nor ever asked for credit cards were followed within a day or so by a letter from American Express containing my PIN numbers! I have never used a PIN # in my life. Any phone numbers provided by American Express were those to confirm/use these cards or to automated menus which gave me no relevant options to demand these cards and cash-back checks be stopped immediately! I surmised these financial assaults also included surveying my personal data from credit reporting companies without my consent. I resorted to destroying the first credit card and checks, which if misdelivered, as much of our other mail has been to the house just down the block with same house number, could have done copious mental and financial damage. I contacted consumer finance.gov which failed to send me the complaint form I requested for the first mailing and feel very violated and vulnerable as we have mail delivery/misdelivery problems in this very populated and unbridled-growth city of XXXX XXXX, Fl that we live in very close to downtown. We feel this unsolicited and irresponsible, predatory financial marketing is endangering our very good credit, as well as carelesssly exposing us to identity theft and financial liability. We do not owe anyone anything. We have paid off our mortgage, our cars and pay our XXXX credit cards off each month in full! We resent American Express and any other corporate predator endangering our privacy and financial security. Please help my husband and myself with this matter. Very sincerely, XXXX XXXX XXXX XXXX, Florida
Product: Student loan

I have tried almost every month to pay my student loan payment and every time it gets 'returned ' and the interest continues to build on it. I was transferred from Great Lakes to Nelnet and did not have any issues before all of this was transferred. Every time I try to contact I get to put on hold for more than two hours at a time and they have lied saying my bank info is incorrect and that they tried to get the money. My account is now going to deffer because of these issues.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, and Equidax are reporting inaccurate information on my consumer report. My name is XXXX XXXX there should be no other name on my report if it is delete it immediately it is causing me identity issues which could lead to criminal penalties, my address is XXXX XXXX XXXX XXXX Ga XXXX there should be no other address listed on my report if it is delete it immediately it is not deliverable by the united postal service and it cause me significant loss.