23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Our homeowners insurance policy is to be paid through our escrow account with TCF bank- our current mortgage company. We received notice at the end of XXXX that our insurance had not received payment of {$900.00}. A call was made in which my insurance agent spoke to a representative named XXXX who indicated that the check was sent XX/XX/XXXX to XXXX XXXX. It was never cashed ( or received by XXXX XXXX our insurance company ) so she was supposed to reissue the check and re send it to state auto. I verified with her the XXXX XXXX address and our policy number. We were told it would take 7 days. 


By XX/XX/20 no check had been received. On XX/XX/20 I called and got disconnected twice that day and no one called me back. So I called on XX/XX/20 again and talked to a representative named XXXX. She said she would send the check to our local insurance broker so someone could sign for it to make sure we would receive it. No one could give me a confirmation # after the phone call except for XXXX, but no tracking number was provided. 

On XX/XX/20 we had still not received a check. I called and spoke to a supervisor named XXXX who indicated he did not know why we hadn't received it, but would initiate the process for an overnight check and would call me back to provide me with a tracking number and confirmation number. He called me back to say he could not provide a tracking number but it would be available the next day. 

I called again on XX/XX/20 to get a tracking or conformation number for the check and spoke to supervisor XXXX. She indicated that she started the process and would email me with a tracking and confirmation number by XX/XX/20. 

On XX/XX/20 I had not received a tracking or confirmation number and called back. I spoke to a third supervisor. She indicated that the request had been closed because they received a refund for a previously written check. She said she could initiate the process again, but would be unable to provide the tracking number at that time. 

Without prompt payment our homeowners insurance policy would be cancelled and without guarantee that a check was sent via tracking number, I was forced to pay our homeowners policy myself. I was informed on my phone call that our escrow account would not have an overage equivalent to the full XXXX and that I would need to provide a declaration of payment to them and make a request for a check in the amount of the overage ( less than I had to pay personally ).
Product: Mortgage

On XXXX XXXX I agreed to a repayment plan for 6 months from XX/XX/XXXX to XX/XX/XXXX in the amount of XXXX per month. I successfully completed all 6 payments as defined in the payment schedule and should be current on my mortgage. Chase mortgage is stating that Im still behind 2 months on my mortgage payments which isnt correct. I have supporting documents to prove the payment plan agreement and proof of payments I made via bank statements.
Product: Debt collection

I received a letter today stating that I owed Revco solutions, Inc XXXX dollars in an attempt to collect a debt from XXXX XXXX. In XX/XX/XXXX, I paid my deductible at XXXX for an emergency room visit. They applied it to the balance instead of to the deductible. Today, XX/XX/XXXX, I spoke with XXXX from Revco, who spoke down to me and treated me like I was stupid when I attempted to dispute the debt as it said on the letter. I would like to dispute this debt as I do not owe this money to any company. I paid it on XX/XX/XXXX. Please see the attached documents. I called back again and asked if they would be reporting this to a credit bureau. The woman said Revco would not, but could not speak for XXXX. I asked to speak to their compliance department and she denied me. During this conversation, I also requested that they send me all documents that pertain to the attempts to collect this debt, and she said all she had was the amount and the date of service, which can't be true. She also asked me if I had a lawyer.
Product: Credit card or prepaid card

Paid a deposit to a Vendor ( XXXX ) for a solar purchase amounting to {$500.00} on XX/XX/2018. Contract stated that this deposit was refundable, until I signed a purchase agreement, that would make this deposit non-refundable. 

I decided not to move forward and requested for a refund on XX/XX/XXXX, which was confirmed on XX/XX/XXXX by a sales agent from XXXX. 

Opened a dispute claiming that the deposit was not refunded as per the agreement, in early XXXX. 

Got a response from the vendor, stating that the charge was legitimate ( which I agree with, since I gave them my card number ). But they did not mention I tried to cancel and a refund was due, as per their own terms and agreements. 

I responded with cancellation email and a copy of the agreement with the vendor on XX/XX/XXXX. to which I got a response that I would have to take up the dispute with the vendor, and Citi would not be solving my problem. 

I called repeatedly and sent an email to the executive team to figure out why they did not accept my proof of cancellation, but haven't received a response. People on the phone reacted with emotions ranging from disbelief to total agreement, but nobody helped me get a response from the agent who decided against me in this regard.
Product: Checking or savings account

I put in an online transfer for {$6000.00} from my XXXX XXXX XXXX XXXX XXXXXXXX checking account to be deposited into my Wells Fargo checking account. The fraud department froze my account and called me to verify that I made the transfer. I verified it was me who made the transfer. They told me they would unfreeze my account and make the deposit for me. I checked my account the next day, and the money was not there, and there was no pending transfer for {$6000.00} listed. I have called every day and been told that they are processing the transfer and I would have it in one day. It has been a week, and I still do not have it. Every time I call now, they tell me they do not know where the money is and that no transfer is being processed. They refuse to give me my money and refuse to send it back to XXXXXXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Requested that inaccurate, unvalidated " late payments '' be changed to " Pays as agreed '' or " ok '' on report. 

Account Name : XXXX XXXX XXXX Account Name : XXXX XXXXXXXX XXXX XXXXXXXX I assert that this reporting violates the Fair Credit Reporting Act ( FCRA ), as outlined in 15 USC 1681a 2 ( A ) ( i ). According to this provision, this would fall under the bold-header of EXCLUSIONS, a consumer report does not include information solely about transactions or experiences between the consumer and the person making the report. Late Payments in this case would be considered as a XXXX / XXXX. In this case, XXXX. XXXX and Trans Union are in violation of FCRA Law. 
The inaccuracies in reporting late payments on my account, as per 15 USC 1681a 2 ( A ) ( i ), necessitate immediate correction. Ive sent a similar letter to the credit bureau listed above and have requested for the entry to be corrected to either Pays as agreed or OK. I request your office 's assistance in investigating this matter and ensuring compliance with FCRA guidelines. 
I believe your intervention will expedite the resolution of this dispute.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX, XXXX and Transunion credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX, XXXX and TransUnion shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in my file at XXXX, XXXX and TransUnion are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to ... promptly REPAIR all information which can not be verified. This account need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXX XXXX XXXX XXXX Date Opened : XX/XX/19 Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

Ive never did bussiness with this company my information was exposed during the data breach this is not my account XXXX XXXX XXXX account # XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices which is a violate CFPA. This has caused significant inconvenience and Financial loss, and i seek appropriate redress for this violation
Product: Credit reporting or other personal consumer reports

I have tried to dispute loans on my account that I have no knowledge of and they have been written off and paid off charged off and they are still reporting these on my credit report. I tried to dispute with experian and XXXX and nothing has happened. Its affecting my credit report negatively. 

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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Pursuant to 18 USC 8 I owe no debt. This company is violating my consumer rights to privacy pursuant to 15 USC 1681b.

15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Under 15 U.S. Code 1681b Permissible purposes of consumer reports, I never gave you any written consent to report anything on my consumer report. 

As a consumer by law these accounts on this letter must be deleted immediately or I will seek monetary damages in small claims court in my city and state Also we already involved and sent this letter to the Consumer Financial Protection Bureau, Attorney General 's Office, XXXX XXXX XXXX and Federal Trade Commission.

1. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX Account Number : XXXX XXXX As a consumer by law, this account must be deleted immediately. 

2. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX Account Number : XXXX XXXX As a consumer by law, this account must be deleted immediately. 

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report anything on my consumer report no consent is identity theft XXXX XXXX XXXX  Account Number : XXXX XXXX As a consumer by law, this account must be deleted immediately.
Product: Credit reporting or other personal consumer reports

Please ensure the account from XXXX XXXXXXXX XXXX, ending in XXXX, is added to back to my credit report. I am an authorized user on my account and I had it removed in the past. XXXX XXXXXXXX XXXX has contacted TransUnion to have this inserted but it has failed without reason.
Product: Credit reporting or other personal consumer reports

The following accounts are not mine and do not belong to me. I am a victim of identity fraud which is preventing me from purchasing a home due to the fraudulent items reported on my credit report. I have attached my FTC report for your review. Failure to not comply will result in a lawsuit. the law prohibits you from reporting fraudulent information to my credit report I demand immediate deletion and blockage from any future reporting. 


1. Provide a complete log regarding dates and times you attempted to contact me. If this alleged account was established by another party, then please detail your relationship- i.e., whether you are reporting this information as an assignment or whether you have purchased an alleged account outright. Also provide the account details for at least a year leading to this action, as well as any collection fees or interest and, if you are a third-party collector, your license or bond to collect in my state so that I may confirm your identity. Should you be unable or unwilling to answer, then you should respect my consumer and privacy rights and remove the damaging trade line from my credit reports immediately.

I demand that you show me a copy of the items listed in this letter as well as stated below if you can not produce these items, you must delete them.

2. 1. Validation of the debt-that is, the actual accounting.

3.

4. Verification of signed Invoice.

5. A copy of the Contract binding both parties ( you and them ), in a letter by certified mail so that there is an independent witness to it having been delivered.

6. Please provide the original docurse and wet signature if you can't provide these items Delete them.
Product: Credit reporting, credit repair services, or other personal consumer reports

First, my credit score has always been above XXXX until recently. 

I opened a Barclays XXXX XXXX Credit Card around XX/XX/2023. I applied online. I never received a credit card bill in the mail. I had made a very small amount of charges under {$150.00} on the card. 

On XX/XX/2023 I received a letter from Barlcays notifying me that I had a delinquent account that was past due and interest and other charges had been assessed. 

I called on XX/XX/2023, and they adjusted off some late fees and i made a payment in full of the revised balance of {$150.00} which included some interest. I explained the situation that I never got a bill in the mail, only this written letter of deliquent acccount. Barclay 's informed me that I had requested email bills, which I do not recall doing. However, in checking archives and spam and other emails, I find no ( 0 ) bills from this credit card company. 

The credit card number ends in XXXX with Barlays XXXX XXXX XXXX Credit Card. My social security is XXXX The credit card reported me late which I understand but that lowered my credit to XXXX, and also lowered my credit limit to {$500.00}. I wrote them a letter and appealed to them to rescind the negative reporting against me as I have never had any and have always paid by bills in full and timely, and explained not getting the bills and not signing up to my knowledge on emails and even if I had, not receiving any emails. 

I also sent a letter to XXXX XXXX regarding the same on XX/XX/2023 and notifying them I have dispute Barclays Report..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX Account XXXX XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX XXXX XXXX Account # XXXX, XXXX  XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX Account # XXXX, Account # XXXX, 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 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Student loan

I applied on XX/XX/XXXX for an Income-Driven Repayment plan on my lender website : FedLoan Servicing. I do this process every year because I can not pay what they request me to pay monthly. I received an email from the studentloans.gov with a confirmation number ( Application Status : PENDING Reference Number : XXXX ). I went through the whole process and completed it. 

I sent an email on XX/XX/XXXX to my lender ( Fedloan Servicing ) asking for the XXXX plan status. They said that they didn't receive my application. I sent my confirmation number to them. Then I received another email on XX/XX/XXXX. Below you will see what it said : Since we did not receive your recertification application, your PFH payment on the IBR expired and the unpaid interest was added to the principal balance ( through capitalization ). Your payment changed to the amount you would have paid under a standard 10-year repayment plan based on the balance of your loans when you entered the IBR. Please note your account is still on the IBR although the payment increased.

They want me to reapply. Something that I already did. They keep saying that the StudentLoan.gov didn't release my application. In the meantime, my credit score is getting lower because of them. What I only receive from my lender are the statements with amounts past due. I can not pay {$300.00} dollars monthly. This is why I applied for the IDR They just call me today XX/XX/2019 at XXXX requesting the monthly payment. I asked them for the status of my IDR plan. They didn't find it. Based on what they said, I owe them almost {$1000.00} dollars.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX, XXXX, XXXX XXXX, XXXX was never late! I have had exceptional payment history with XXXX XXXX, XXXX, XXXX XXXX, XXXX 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 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 in months that are reported late 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. XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX 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, credit repair services, or other personal consumer reports

I submitted a dispute to Experian regarding accounts - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX they are closed and charged off but they are still showing as PAST DUE. That is inaccurate and therefore should be deleted per- FCRA 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are two delinquent charge off accounts on my Equifax and XXXX credit reports that was removed for identity theft for XXXX XXXX XXXX and XXXX card with corresponding account # s : XXXX & XXXX. The account were removed from my credit report however, they reappeared very shortly after with no explanation as to why. These fraudulent accounts are not mine whereas I have no knowledge of them. I submitted information to equifax and XXXX that plead my case as to why the delinquent accounts that don't belong to me were removed so I don't understand why they were readded back to my report with no evidence or notification from the bureaus within 30 days.
Product: Checking or savings account

To whom it may concern Dear chase I tried contacting you or waited for for the lady who called me a few days ago but she never called me back. Im very disappointed at whats going on just today chase has put in my account negative and want me to return the credits given to me. I lost my wallet at a public transportation train station and have no knowledge on who took and stole my black leather wallet as I was in the train I believe as I walk through the ramp I had my one ticket pass. There was people there with me we were sitting keeping distance there were few people standing and some were sitted. And skipping a few seats. As I disputed I was never contacted by chase to give them a police report number lady said if they needed more info I would be contacted that never happen I called back to give them The police report number given to me. The lady was very nice and help me dispute the unauthorized transaction and atm withdrawals. I was told I would be receiving some type of affidavit forms thru mail but I never received any document to fill in I didnt received any document to fill out and send back to chase or emails. I am thankful that they gave me the credits while the investigation was processing I want to say It was weird as I didnt get any affidavit forms or documents I also said if I had to print them out my self the nice lady said she did everything for me. I called several times for updates and to ask that I had not received any documents to fill in the affidavits. And provide them with the police report number. The police report was given to the lady. There was more than XXXX  or more of unauthorized usage. Not XXXX like the police agent said in the report I had gotten in touch with him to correct that. With this corona virus going on Im not allowed to step in any police station but I do have there number to called. I have no knowledge of who have taken my wallet I had my driver license and I had my school if from XXXX the school ID numbers were XXXX and my pin were the last 4 which was XXXX I never wrote my pin on any cards or debit card or paper Im assuming they guess it by looking at my school ID and guess the number pin correct. I. Any accused any one because I have no knowledge who took it if it was a women or man or group of random people. The time waiting to reach a representative thru chase was very poor high demands to wait almost 1 hr or longer than 50 min or 40 to talk to the fraud department or regular representative.