23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to unforeseen personal medical expenses I shopped around for insurance coverage for my condominium to see if I could save a little money. I was able to find a policy that met the requirements of my mortgage holder, Regions Mortgage, and for less of a premium than my prior insurer. 

Insurance is paid through escrow. When the new policy was written, Regions never paid the bill and a new policy had to be written. My new insurance agent called Regions, sent the bill according to Regions ' instructions and followed up with them when the bill was not paid. Finally, I alerted Regions in writing that I was without insurance coverage unless and until the bill was paid. At that point, a completely new policy had to be written. 

Instead of taking ownership of the problem Regions itself created, Regions billed me {$120.00} for lender-placed coverage for what they deem as a retroactive lapse in coverage in XXXX of this year. The attached documents show my two attempts to obtain insurance through XXXX XXXX ( in XXXX and XXXX ) and a Regions statement showing the {$120.00} charge. Essentially what Regions has done here was to take my alerting of them of my condo not having insurance in order to try and profit from their mistakes. Conflicts of interest between mortgage companies and insurance companies for purposes of forcing customers to buy insurance are common in this industry and I have identified what could be a conflict of interest between Regions and its insurance company. 

Dozens of phone calls and written correspondence to Regions trying to resolve this matter have yielded nothing. Please help!
Product: Bank account or service

My bank Chase will post transactions on a day, but the transaction will be showed as posted the day before. I can check my online banking and show it having a positive balance, but check it later before XXXX and see transactions appear that were not there hours prior. 

The other is adding transactions, such as auto payments in the late evening around XXXX and counting them towards my account earlier in the day. 

The other problem I have is reordering my transactions. They may hold little ones, then have a bigger payment go through, after bank closing then reorder old transactions to post after the big payment. This has happened many times. 

Sometimes it seems like they have my account watched and when I have a lower balance and something bigger posts, they try to reorder my account to give me the max fees. I always fix my acocunt the very next day. Would be nice if they were fair and posted transactions on day done or even next, and did not tack on charges before its XXXX.
Product: Credit reporting or other personal consumer reports

My complaint is to dispute the presence of several fraudulent accounts, different variations of my name and inquiries on my credit report that remain unresolved, despite my submission of an identity theft report as per the requirements of FCRA Section 605B ( 15 USC 1681c-2 ). I have previously provided TransUnion with a valid FTC Identity Theft Report, as required by law, yet these fraudulent items continue to appear on my credit file, severely damaging my creditworthiness and causing personal and financial harm.

Under FCRA Section 605B, upon receiving an identity theft report, TransUnion is obligated to block the reporting of fraudulent information, including accounts or inquiries that resulted from identity theft, from my credit file within four business days. Failure to do so constitutes a violation of my rights under this section. Despite my compliance in providing all necessary documentation, the following accounts have not been removed : 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  These accounts and inquiries are the direct result of identity theft, and TransUnions failure to block them constitutes a violation of FCRA regulations. By law, TransUnion must also notify the furnishers of this fraudulent information and ensure that these entities cease reporting the disputed information. 

Given the legal requirements of FCRA Section 605B, I demand the immediate removal of these fraudulent items from my credit report within the next 4 days. Additionally, please provide written confirmation that these items have been permanently deleted from my file. Failure to comply with these requirements may lead to further legal action to enforce my rights under the FCRA. 

I have attached a PDF that includes all necessary information, with the fraudulent accounts and inquiries highlighted for your reference. 

This complaint details the specific legal obligations under FCRA Section 605B ( 15 USC 1681c-2 ) and explains how TransUnion has failed to comply with these rules. It includes the request for immediate action and the potential consequences of non-compliance.
Product: Credit reporting or other personal consumer reports

I am writing this complaint to CAPITAL ONE about the reported unauthorized inquiry on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified.My address is XXXX XXXX XXXX XXXXXXXX XXXX XXXX IL XXXX, and I go by XXXX XXXX XXXX. My birthdate is XXXX FTC report number related with this complaint is XXXX .I have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Mortgage

Loan transfer date XX/XX/XXXX Loan balance at transfer was {$2200.00} escrow bal was {$1800.00} This is mrcooper previous Nationstar Mortgage # 1 requested a payoff amount. The quote was expired the day before I received it. Still charged {$30.00} for quote # 2 I was told they ( by law ) could not make any payments from escrow account for 60 days from the time they took over the loan. I informed them that my taxes were going to be late so I would pay them that day XX/XX/XXXX. I was told to send my receipt showing that I paid to XXXX which I did. Just moments after I sent the receipt they showed a disbursement from my escrow of {$1300.00} with a balance of {$570.00} and this was the same day I was told by law they could not do this. 
# 3 On XX/XX/XXXX I tried to make a payment of {$2200.00} but the website would only let me make a total payment of {$2100.00} after which they took the better part of the remaining escrow and was notified the loan was paid off and all remaining funds would be refunded within 30 days. I called the county tax collector and they send their payment back on XX/XX/XXXX but now I am expected to wait ( at least ) 60 days for my refund per mrcooper.I have talked to a number of mrcooper reps and seem to get a different story from each. The issue is simple why tell me from more than one person that by law they could not disperse any funds from escrow account for 60 days of obtaining my loan and the day I send them a receipt they decide to send the funds also?
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I'm a recent victim of identity theft and fraud. I recently reviewed an extensive copy of my credit report included dark web alert ( s ) with the intention of trying to improve my credit and take care of my responsibilities and noticed HARD INQUIRIES that I wanted a little more explanation on, and they need to be deleted/removed from my credit report. I also recieved an alert on my experian account that a recent account has been opened with my social security number at XXXX XXXX XXXX The claim # is : ( XXXX ) that does not belong to me. Please help. 

THESE HARD INQUIRIES LISTED BELOW ARE NOT MINE. I ALREADY FILED A IDENTITY THEFT REPORT & POLICE REPORT WITH MY LOCAL POLICE DEPARTMENT AND FTC.GOV. 

FTC Report Number : XXXX THE POLICE REPORT # : XXXX I DEMAND THESE ACCOUNTS LISTED BELOW THEY NEED TO BE DELETED/REMOVED OFF MY CREDIT REPORT IMMEDIATELY!. 



Hard Inquiry : XXXX XXXX XXXXE ( Bank ) delete it from my credit report, XX/XX/2023 Hard Inquiry : XXXX XXXX ( Bank ) delete it from my credit report, XX/XX/2023 Hard Inquiry : XXXX XXXX  ( Bank ) delete it from my credit report, XX/XX/2023 Thank you for your time and help in this matter. Sincerely, XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not give permissable purpose for the following hard inquiries on my credit reports. Please remove them immediately.. 

Do not put a fraud alert on my report. I will lock my reports once the online profile logins are open. 

15 usc 1681a ( 2 ) ( a ) ( i ) 15 usc 1666b 15 usc 1681 i a 1 15 usc 1681 i 5 15 usc 1681 B 15 usc 1681 i ( 7 ) Read A and 2 XXXX WONT EVEN ALLOW ME TO DISPUTE ONCE I LOG ON.. 

EQUIFAX WONT EVEN ALLOW ME TO LOG IN OR RESET THE PASSWORD XXXX I EVEN CALLED THEM TODAY AND THEY REFUSE TO CORRECT MY NAME AND ADDRESSES. 



MY NAME IS XXXX XXXX XXXX ( I HAVE NO MIDDLE NAME..CORRECT MY NAME ) MY ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX MY PHONE XXXX XXXX XXXX MY EMAIL XXXX ( i will only respond to email, no phone solicitations ) you are violating my rights with the false information. i am attaching all documents Drivers license, Birth Certificate, SSN, Passport.. my name needs to match my officail documents
Product: Debt collection

I discovered a collection on my credit report showing a balance of over {$4000.00}. When I inquired with the credit bureau and collection agency to verify the legitimacy of the bill, they simply replied back that the debt was valid without any documentation showing why or how I had incurred a debt of over {$4000.00}. 
A long time ago I went and had some XXXX procedures, while I had paid the majority of my bill, I had a small balance of {$800.00} left over. Unfortunately I did not have enough money at the time to pay the remaining part of the bill and was not able to make arrangements. I just ca n't imagine how an {$800.00} bill could balloon to over {$4000.00} and I refuse to pay this amount or have it shown on my credit report this way.
Product: Mortgage

SunTrust Mortgage has not paid taxes on my property - the county is bothering the old owners of the house saying " taxes are due '' ... and will become deliquent on XX/XX/XXXX. 
I 've been in contact with SunTrust Mortgage, and they show that they did pay the taxes in XX/XX/XXXX, however, XXXX County in FL is saying that have not. 

They keep saying they are looking into the issue - however, I have not had any updates in two weeks. The deadline is quickly approaching.
Product: Debt collection

Debt can not possibly be mine. During the times that this company is reporting " Date Opened '' and " Date of Status '' I was XXXX in support of XXXX to both the XXXX XXXX XXXX at XXXX XXXX California and XXXX XXXX. I have disputed this account in the past and received no results.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, XXXX XXXX, XXXX XXXX XXXX  ( Orig. Creditor : XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX, XXXX XXXX ( Orig. Creditor : XXXX XXXX XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX, XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, and XXXX XXXX violated my 609 rights by reporting incorrect information to Experian regarding my credit file. Experian further violated my rights by adding this incorrect information to my credit profile for others to see. 

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 reported to Experian that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is inaccurate as well. I have requested to have my addresses on my report corrected, this is a violation of my consumer protection rights.
Product: Debt collection

I do not have with other valuable documents ( financial and prior police report which dealt with identity theft ). I am a senior and have been really hurt by the id theft. ) XXXX  has been sent information confirming my identification and every time refuses to indicated that my information is correct. as of XX/XX/2020, and by regular mail as of XX/XX/2020. There are also inquiries on my file that I did not request or authorize. have sent the information via Certified Mail return receipt requested I can not call in or acquire it from their Alert program. The information was stolen last year from a rental car I had at the time. It had prior police report and other documents ( personal financial and those of our organization ).
Product: Credit card or prepaid card

I am filing this complaint against XXXX and TD Bank for the manipulation of credit record and discrimination by denying me service and product. 
On XX/XX/XXXX, I visited XXXX trough my student account and ordered a XXXX XXXX XXXX in trade-in with my current XXXX XXXX. At the checkout, I was prompted to apply for XXXX financing provided by TD Bank. I filed the form and submitted it with all my personal information. I received a congratulation email notifying me that I have {$2200.00} credit line which will be used for the new phone with confirmation # XXXX. 
On XX/XX/XXXX, as I await my new phone, I received an email notifying me that my order was canceled. I contacted the customer service by phone at XXXX to find out what the problem may have been. I received no answer from the agent who asked me to call TD Bank. 
On XX/XX/XXXX, I contacted XXXX again through an online chat. The agent informed me that my order was unsuccessful. He also stated that I needed another payment method in order to have my order processed. I copied-pasted him the funding availability note on my account XXXX   account " FINANCING PROVIDER TD Bank, N.A. ACCOUNT NO **** **** **** XXXX AVAILABLE CREDIT {$2200.00} '' to show him that I do have funding available. He was surprised and asked me to call XXXX Financing Department. 
On XX/XX/XXXX, I contacted XXXX Financing Department by phone at XXXX to find out what the problem may have been. The call lasted about XXXX from XXXX to XXXX Alaska time. The agent confirmed that he does see that I have funding available but can not understand why the order was declined. He concluded that he will transfer the situation to the management with promise that someone will take care of this. Before concluding the call, I notified the agent that I am concerned with the fact that my personal information was accessed but that I have the feeling that I am being lied to. He apologized for the inconvenient and asked me to be patient. 
Today XX/XX/XXXX, I opened my XXXX account and realized that my account was accessed, altered and the funding of {$2200.00} removed without my any form of communication. I immediately contacted XXXX by phone and online chat to find out what had just happened. The agent named XXXX XXXX repeated the usual regret and directed me again toward XXXX Financial Department. This time, the system requested my credit card number and automatically hanged up for three time. 
I am very frustrated and feel that I was manipulated, and my personal information abusively accessed. XXXX and TD Bank accessed my credit file and they know it will affect me. For some untold reasons, they lured and tricked me to obtain my Social Security Number, Financial and Employment Record and they then denied me the service. I feel abused and discriminated against. I don't think anyone deserve to be treated this way. I am asking for justice and reparation in all fairness for the consumer that I am with hope that the two companies are investigated to prevent this situation from happening to someone else.
Product: Mortgage

In XX/XX/XXXX, RMS Reverse Mortgage Solutions, ( Mortager ) after claiming non-receipt of a {$38.00} fee due them by me, XXXX XXXX, ( Borrower ) put my loann into default and started foreclosure proceedings and charged fees totaling up to approximately {$900.00} in administration and appraisal services. The {$38.00} had been received by their office as verified when Borrower called. During conversation representative stated that it was not clear or apparent why foreclosure proceedings had commenced, but records would be corrected. 
My loan is marked in default again in XX/XX/XXXX on RMS records. I was not given a reason as to why. 
Each year since the origination of loan, XX/XX/XXXX, RMS sends a tax letter regarding my mortgage account in XX/XX/XXXX or XX/XX/XXXX, instructing that my property tax payments late and to please pay. The property taxes for the mortgaged home are due in XXXX County, Indiana, each XXXX XXXX and XXXX XXXX, and have not been paid late any tax year. However RMS uses their own tax schedule to regard them as late before the property taxes for the property taxes are actually legally due in my county.
Product: Credit reporting or other personal consumer reports

Subject : Request for Verification Method Dear Experian, I hope this letter finds you well. I am writing to request verification of the method used by Experian Reporting Agency to verify the accuracy of the information listed on my credit report.

As a responsible consumer, I regularly monitor my credit report to ensure its accuacy and to safeguard my financial standing. Upon reviewing my recent credit report from Experian credit reporting agency I noticed some discrepancies in the information provided. In order to adress these discrepancies effectively, I kindly request verification of the method used by your agency to verify the accuracy of the information listed on my credit report.

I understand that under the Fair Credit Reporting Act ( FCRA ), consumers have the right to request verification of information listed on their credit reports. As such, I am exercising my rights under the FCRA by requesting clarification on the verification method employed by XXXX XXXX XXXX XXXX. 

XXXX XXXX Please provide detailed information regarding the specific method or process used by your agency to verify the accuracy of the information listed on my credit report. Additionally, I would appreciate any documentation or evidence related to the verification process.

I kindly request that you provide this information within 3 business day the timeframe specified by the FCRA. Your prompt attention to this matter would be greatly appreciated.

Thank you for your cooperation and assistance in resolving this issue. Should you require any further information or clarification, please do not hesitate to contact me.

Deletion of account from my credit report immediately.
Product: Payday loan, title loan, or personal loan

I prev submitted a complaint on XX/XX/XXXX they keep calling my work number. Now its a different company. XXXX XXXX XXXX XXXX XXXX. they said I owe XXXX and they are welling to take {$1000.00} right now. I told them that I had paper work that should that I paid this off. this was take in XX/XX/XXXX I paid back XXXX in full they say I did not. they are threating me. When I told them I had paperwork they said all find and dandy but if I did not give them bank info they were going to note that I was not willing to settle and would have a sheriff to serve me. they call from XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Ive been disputing inaccurate information on XXXX/opploans for a while and they keep updating information every time I provide information. Which is total opposite of my providing information. Im providing it telling them their information is incorrect to get the account deleted not for them to keep trying to use my information to verify. I also did not give the company consent to share my personal information with any third parties. I couldnt have because the account isnt mine. My information was on the dark web back in XXXX. This company is not following consumer laws. They did not and still does not have my correct information. Ive told them to show me verifiable information. I was sent a discloser and it has an address that Ive never lived and a number that Ive never had. This has been going on for a long time and I demand that they delete/ permanently remove the account off my consumer report for having inaccurate and unverifiable information. And I also emailed XXXX and never got a response. 

Under the FCRA, you are required to ensure the accuracy and completeness of the information in my credit report. The continued presence of incorrect or unverifiable information, as well as the inadequate resolution of my disputes, constitutes a violation of these requirements. 

This is a violation of 15 U.S. Code 1681i ( 5 ) Removal of Inaccurate/ invalidated credit information. Please remove immediately. 

**Lack of Consent** : According to consumer protection laws, no information should be reported on my credit report or shared with third parties without my consent. The presence of such information on my credit report, especially if it was included without my approval, is contrary to these legal requirements. 

**Unauthorized Disclosure** : There is evidence suggesting that my personal information has been shared with or sold to lenders or other entities without my permission. This is a violation of my privacy rights under the FCRA, which requires that my information be handled with my explicit consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is in regards to Equifax 's reported hacking incident and the release of my personal information without my express permission. Due to their inability to protect my data I am now at serious risk of credit and tax fraud. 

As a small business owner this may have a huge impact not just on me but on my employees and the growth of my company as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my Credit files and found unauthorized inquires and accounts I've never gave permissable purpose thru verbal or written authorization to view my credit profile. 15 U.S.Code 1681b ( a ) ( 2 ) - CRAs need written instruction to make a consumer report by the consumer.
Product: Debt collection

On XX/XX/2021, I received several emails from loan agencies saying loans in my name were funded. I ignored those messages because I didn't apply for any such payday loans, and I didn't want to be a victim of a phishing scam. 

Then, starting on XX/XX/2021, I started receiving messages from debt collection agency XXXX stating that I had an unpaid balance with XXXX XXXX I have never ever done business with XXXX XXXX  or XXXX for that matter. 

I have emailed XXXX, XXXX, XXXX, XXXX, and XXXX several times stating that I didn't apply for any loans, but they keep emailing me for debt collection.