23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Progressive management systems is attempting to collect for a date of service of XX/XX/2022, in which my insurance company at the time did not receive itemized billing for that date of service, and therefore I never received an EOB. The letter from Progressive Management system cites a date of service that was never billed to my insurance company. I confirmed the date of service in their notice matches no eob in my insurance companys system.
Product: Money transfer, virtual currency, or money service

I had received 2 CashApp Cards in the mail issued in my name and did not have a CashApp account. I reached out to CashApp and I was told there was nothing they could do because I did not have an account, but was assured that my identity was not at risk. Upon receiving a third CashApp card I set up a CashApp account and contacted then and was this time told that my identity had to have been compromised for a CashApp card to have been issued in my name to my address. They told me they were going to forward this issue to the proper group within CashApp and I would receive an email and when I asked how I would be kept informed I was told there was a process that could not be clearly explained. When I asked to speak to a supervisor I was told that the supervisor choose not to speak with me but I would be reached out to by email immediately. I then received an email that told me I have to start the process again through the app. I am on hold a the moment as they try to figure out what to tell me. I also verified my identity in holes that no more cards would be issued in my name and was told that having a verified identity does not prevent others from requesting cards in my name using my address.
Product: Mortgage

My current servicer is force placing insurance for a structure located on my property that has been destroyed by Hurricane Irma and no longer exists. 

Before the storm there were two structures on the property. Full Insurance coverage has remained in place for the remaining structure. 

I have sent the required documentation multiple times that the property no longer exists in order for them to cancel the forced placed insurance. Even though they have cancelled the policy several times once they receive my documents they continue to do it again the following month and I have to repeat the process all over again. They have cancelled the forced placed coverage several times this year alone and put in writing acknowledging their error and that they are aware there is no longer a structure yet every month I get a new forced placed insurance policy. 

This is so ridiculous to have to prove every single month that they there is no structure and it has caused me distress and so much time to stop them from doing this every single month. It is blatant disregard and it should not be allowed. It has caused me emotional distress and I am worried the lender is trying to charge me for something I do not owe. Please make them stop. I have tried everything! I am uploading all of the forced placed notices along with correspondence stating they are cancelling the coverage.
Product: Mortgage

My mortgage is through Freedom Mortgage on a VA XXXX. On XX/XX/XXXX my home burnt down completely. After filing my claim with XXXX XXXX I was issued XXXX checks to rebuild my home in the amounts of {$XXXX} and {$XXXX}. I immediately sent both checks to Freedom Mortgage to place in escrow as it's customary in these situations. Freedom Mortgage issued the first draft payment of {$XXXX} in XXXX of XXXX and I started the rebuild process with that money on XXXX of XXXX. I started the process of asking additional funds mid XX/XX/XXXX and provided all requested documents to Freedom Mortgage timely and acutely. To date I have yet to receive any additional funding to continue with the rebuild of my home. I have spent countless hours on the phone with various representatives at the Freedom Mortgage XXXX XXXX Department and they can not provide any reason whatsoever as to why they are withholding funds; other than than the explanation that XXXX is still reviewing the floor plan. The floor plan was submitted over a month ago. When I ask to talk to the decision making person in change of reviewing the floor plan I am told that I can not and that they're sorry but this is all we can do. I am not XXXX months behind schedule with the rebuilt and without money because my mortgage company is holding my insurance claim funds XXXX and without explanation. This is criminal financial behavior by a massive corporation that funds VA XXXX mortgages.
Product: Credit card or prepaid card

Last week I received a telephone call from someone trying to collect a {$29.00} outstanding balance on a Kohl 's Department store credit card. I do n't remember when the account was opened, but it was only a couple of months ago while I was making a purchase. On XXXX XXXX a payment came out of my checking account in the amount of {$100.00}, representing what I thought was the balance on my account. I was surprised that I was receiving a collection call and I informed the caller that had not received a bill for this outstanding amount. When the caller checked the records, he noted that their system had the wrong house number and a misspelled street address - a reasonable explanation for not receiving my statement. Thinking that this might have been some type of fraud, I informed the caller that I would call Kohl 's myself and made a payment over the phone. The {$29.00} was debited from my account on XXXX/XXXX/XXXX. My concern is that when I received my updated credit report yesterday, my credit rating dropped from good to fair because of the negative information posted by Kohl 's. I think it is unfair, but I am not entirely sure if there is anything I can do to have this information reversed. Any help you can provide will be appreciated.
Product: Mortgage

I spoke with the supervisor of public relation at Quicken Loans to resolve my refund issue. I was charged for an appraisal. the VA doesn't require an appraisal and when I spoke to the public relation they mention they aren't at liberty to disclose the VA doesn't require the appraisal. We as consumers are hoping the mortgage companies give accurate information to best work for the client. It was misleading to know that they added on the appraisal and I was under the knowledge that it was a requirement. I signed documents to say I understand but they mislead me to believe that this is also the requirement of the VA to offer an appraisal for a refinance on a home.
Product: Money transfer, virtual currency, or money service

Cash apl is refusing to return my money after I showed them proof of fraud on my phone and account and cash app is now committing fraud on my account by refusing to return my money and has not provided me with any proof that I did the transaction no real signature photo or anything proving that I actually made the transaction.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX IS AN ACCOUNT THAT WAS AFFECTED THRU IDENTITY THEFT. THESE OTHER ACCOUNTS LISTED RESULTED IN BEING A VICTIM OF IDENTITY THEFT. ALSO BLOCK THESE ACCOUNTS AND MULTIPLE UNAUTHORIZED INQUIRIES
Product: Debt collection

Sequium Asset Solutions : XX/XX/2020 I received a bill from Sequium in the amount of {$3700.00} from an XXXX XXXX XXXX bill. Due to Covid I was unable to pay right away. On XXXX XX/XX/XXXX, I contacted Sequium and arranged a payment plan for 10 equal payments to which they agreed to begin withdrawing from my checking account on XXXX XX/XX/XXXX. On schedule they took the money out of my account. On XXXX XX/XX/XXXX I received communication from a company called XXXX stating they had taken over the debt. The money was returned to my bank by Sequium. On XXXX XX/XX/XXXX my account was charged again by Sequium. 
I have tried to call them on every number available to the public and their automated systems will only go to a full voicemail account. I have notified my bank to block all further charges, however this company still needs to be investigated. they owe me money now because my financial institution charges me for every month I block their fraudulent activity, but its is too expensive to sue.
Product: Debt collection

I set up a payment plan with Tate and Kirlin Associates last year. I was not given information about setting up an online account with access to a portal. I have attempted to reset a password on the payment portal, however there is no record of me registering for an account. I have never received any accounting of my balance with Tate & Kirlin Associates, neither by mail or email. I have left numerous voicemails for the company and have yet to receive a return call from anyone. To date I have paid {$1900.00} ( {$170.00} each month ) since XX/XX/2022. I am extremely frustrated. I can not get a live person on the phone when I call this company, and when I did, I was able to reach a Sales Person who would not transfer me to a live person, he took my name and number down and promised a call back from a live person, with no follow up. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX is reporting incorrectly to Experian and XXXX a collection in the amount of {$930.00} on the XXXX XXXX XXXX - partial account number XXXX. ( Please see pages 10 and 11 of the attached credit report. ) I have health insurance with XXXX XXXX XXXX ( copy of insurance card attached ). XXXX XXXX XXXX failed to submit the insurance billing paperwork to XXXX XXXX XXXX and consequently payment was not applied to this account and because of this error the account has now been sent to collections and it should not have been. This billing error was not my fault and XXXX XXXX needs to contact the bureaus and have this collection removed from my credit report. This incorrect reporting is harming my credit score. I have contacted the ( 2 ) bureaus to fix this, however I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either Experian, XXXX XXXX or XXXX   respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to Experian Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.
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 USC 1681. 

XXXX ) Account number : 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  Inquiry date : XX/XX/XXXX these accounts have 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 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Formal Complaint Against Experian for Violations of the Fair Credit Reporting Act Dear CFPB, I am writing to formally lodge a complaint against Experian, a consumer reporting agency, for their blatant disregard of the Fair Credit Reporting Act ( FCRA ) and their failure to uphold my rights as a consumer. Despite my repeated attempts to resolve issues with my consumer report, Experian has exhibited gross negligence in handling my disputes, leading to significant distress and inconvenience. 

I submitted disputes regarding inaccurate information on my credit report. I provided all necessary documentation to support my claim, as required by the FCRA. However, rather than conducting a thorough and fair reinvestigation, Experian has continually requested additional identification and documentation, often ignoring the materials I have already supplied. This frustrating and unnecessary back-and-forth has not only delayed the resolution of my dispute but has also damaged my creditworthiness.

According to 15 U.S.C. 1681i, Experian is obligated to conduct a " reasonable reinvestigation '' and report the results in a timely manner. Instead, they have failed to communicate effectively with the original furnishers of the disputed information and have not adhered to the mandated timelines. This pattern of behavior suggests a systemic issue within Experian 's dispute resolution process that undermines consumer rights. 

I urge the CFPB to take immediate action against Experian for their failure to comply with the FCRA. I request that you investigate this matter thoroughly and hold Experian accountable for their actions, as this is not just an isolated incident but a troubling trend that affects many consumers. 

Thank you for your attention to this serious matter. I look forward to your prompt action and response. 

Sincerely,
Product: Mortgage

I was behind 2 payments when XXXX XXXX contacted me via email on XX/XX/2021 about making a tax payment that was past due. She said she needed proof the taxes are paid by XXXX  at XXXX or the file will be assigned to an attorney. I made the tax payment and XXXX said don't worry about the loan payments, you have time to make them. About a month later, TD assigned my file out to an attorney for non-payment. I asked XXXX on XX/XX/XXXX if we could talk, she refused my request. I got a demand letter that week. Then TD bank filed for foreclosure. I tried to work out a plan to catch up and get back on track, the attorney told me they wanted to terminate the relationship. I offered TD Bank $ XXXX  to apply anyhow they wanted and they refused my payment. I am in foreclosure and they received final judgment. I wanted to work this out but was unable. I later learned that I should have paid the loan rather than what TD Bank, specifically XXXX XXXX, advised me to do. They told me to pay the taxes first.
Product: Debt collection

Complete credit solutions reported a collection on my credit XX/XX/XXXX. I never received any notification before they reported it. I contacted them for the 1st time XX/XX/XXXX after checking my credit. To request a debt validation letter since I never received any notification. Then I called them again XX/XX/XXXX. I had spoke with a lady. She stated that she's not allowed to do nothing fraudulent. I was like " ma'am I'm not asking you to do nothing fraudulent, I simply just want some validation on this debt. Then she said she would have her supervisor call me. '' I received a called from the sup XX/XX/XXXX, and he said he would get a letter sent out. I received the 1st letter from them. Then I sent one back to request debt validation. They just been giving me the run around. Then I received another letter for the same balance from a different agency. I find that very bizarre. I need help addressing this issue.
Product: Credit card or prepaid card

On XX/XX/XXXX - I needed to use my Wellsfargo Credit Card, and it was declined. So I called customer service and was informed the account was closed. At this point, I have not received notification from Wellsfargo about the unilateral decision. I had no balance, always paid my bill on time, and been a Wellsfargo Credit Card holder since XXXX. According to the customer representative the bank had not sent a written notification, and was unable to let me know when will I be formally notified.
Product: Credit reporting or other personal consumer reports

My account with was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 


Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Credit reporting or other personal consumer reports

FCRA violations Not my credit card XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid in settlement. {$2500.00} written off. 
XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance {$6400.00} Status Account charged off. {$6400.00} written off. {$6400.00} past due as of XX/XX/XXXX. 
XXXX Potentially negative Date opened XX/XX/XXXX Balance {$13000.00} Status Account charged off/Never late. {$13000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
never late XXXX XXXX XXXX Potentially negative Date opened XX/XX/XXXX Balance - Status Paid, Closed. 
never lived here XXXX XXXX XXXX XXXX XXXX, CA XXXX Resident type Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Resident type Single family not my phone number ( XXXX ) XXXX Residential ( XXXX ) XXXX Residential ( XXXX ) XXXX
Product: Credit reporting or other personal consumer reports

XXXX has reported a 30 day XX/XX/year> late payment. To date, I have received no response or removal with the three credit reporting agencies. These agencies are XXXX, XXXX. and Transunion.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX a debt on my credit file that I do not owe. This debt was included in my Bankruptcy # XXXX. They are in violation of the Bankruptcy Law Act for continuing to report a balance. They are also still updating every month. This needs to be fixed.
Product: Vehicle loan or lease

Bought a car, the car totaled not repossessed the insurance paid randolph brooks the car value after totaled. XXXX was listed as needed and then the bank charged me the total price for the same vehicle on my credit a few months later
Product: Credit reporting, credit repair services, or other personal consumer reports

I have asked the credit bureaus to remove addresses that not mine my correct address is XXXX XXXX XXXX XXXX, XXXX, AL XXXX I am including a bill with my correct address on it .Please DELETE the wrong addresses XXXX XXXX XXXX, XXXX XXXX Ohio XXXX, XXXX XXXX XXXX, XXXX XXXX AL, XXXX. The following jobs are not mine XXXX MO, XXXX XXXX XXXX, UH My current job is XXXX XXXX. I should have ONE variation of my name that is XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I pulled my report and some fradulent hard inquires were on the reports.. I need yhem removed immediately..
Product: Student loan

Consolidated loans and while all loans show paid off on the XXXX  website there was a balance still standing on the Navient side. 
They had me re add the loan on their end and not on student loans. 
They argue that the XXXX  doesn't usually have the accurate loan amount and therefore it created that discrepancy. Also I didn't apply for any pay as you earn program due to Navient telling me I didn't qualify for it, but because of the issue with the amount of the loan remaining they added me to that repayment program and lower the payment down. So the main issue is the way is was handler and how little to no information is about whats int he students loans web site from what Navient has. Now I'm dealing with this.
Product: Credit card

I am submitting a formal complaint regarding Navy Federal Credit Unions unauthorized closure of my credit card account without my knowledge or consent. This action has caused a significant negative impact on my credit score and financial standing, directly affecting my ability to purchase a home, rent an apartment, or secure an auto loan.

I have consistently paid the credit card on time and maintain a direct deposit into my account every month. Despite this, Navy Federal closed my account without providing any prior notice or explanation, in violation of consumer protection laws.

Under the Fair Credit Reporting Act ( FCRA ), consumers are entitled to accurate and fair credit reporting. The unnotified closure of my account and the resulting damage to my credit score violate the transparency and fairness principles that financial institutions are required to uphold. Specifically, Section 605B of the FCRA emphasizes a consumers right to dispute inaccuracies and seek remedies for unauthorized actions that harm their credit report.

Furthermore, the Equal Credit Opportunity Act ( ECOA ) mandates that financial institutions provide written notice when adverse actions, such as account closures, are taken. Navy Federals failure to provide such notice is a breach of this requirement.