23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was notified by my Carrington Mortgage that my flood insurance policy had been canceled or expired on XX/XX/XXXX15. Since I live in a condo and our building was never required to have flood insurance, this was news to me. Still I scanned the letter and emailed it to our association manager for him to check into it. Apparently we are now required to have flood insurance. The manager scheduled surveys and worked with our insurance agent to get this done. I received a XXXX letter that stated that, if they did n't get a policy declarations page faxed to them in 20 days, Carrington would purchase flood insurance for me and bill it through my escrow. I spoke to XXXX agent at CMS with no satisfaction ... she only repeatedly told me that they would be purchasing flood insurance for me XX/XX/XXXX. Shortly after, I received, from our association 's manager, a copy of the flood insurance premium payment made XX/XX/XXXX with a 30-day waiting period for coverage to start. XX/XX/XXXX 2015, I wrote a letter ( attached ) and faxed it to the fax number for the policy declarations explaining all of this. I also asked for an email response and have yet to receive it. Today, after I saw in my online account that they had force placed flood insurance on my mortgage, I called the insurance department of Carrington Mortgage. I was told that they could not accept the copy of the premium payment and that nothing short of the policy declarations page could remove the policy they supposedly purchased. Although I had until today, XX/XX/XXXX to provide that proof, they placed the coverage on my loan XX/XX/XXXX and backdated it for the coverage to start on XXXX XXXX, 2015, the supposed date that my nonexistent last flood policy was canceled or expired. I 'm sure that Carrington Mortgage is going to attempt to charge me for several months of flood insurance even though a ) there was no policy in place until XXXX and b ) I, our association manager, and our insurance operated in good faith from the date of receipt of the first letter to secure flood insurance for our condominiums. I am not individually responsible for flood insurance for the condo building and we did everything in our power to get this done. I fear, based on my reading of many, many complaints about Carrington, that they are using this method as a way to increase fees to the business and defraud its clients.
Product: Credit card or prepaid card

On XX/XX/2022, i applied for a XXXX XXXX XXXX account to consolidate my credit card balances. I was quickly accepted and the process began working with the credit card companies to get a monthly amount to pay that was acceptable for them. I was informed by XXXX XXXX XXXX that I was to keep my balances clear of fees while they worked on the acceptance program. My XXXX credit card was accepted immediately. While my milestone credit card took another XXXX months. On XX/XX/2022, milestone XXXX XXXX accepted an offer from XXXX XXXX XXXX. I paid my credit card bill for milestone every month and had no late fees. Once they accepted the information I was also informed that i didn't have to continue to pay that credit card bill as XXXX we're taking care of it. Fast forward XX/XX/XXXX, I have acuminated XXXX dollars in late fees and my credit took a massive hit. Milestone ignored the payment plan that they accepted and continued to charge me late fees. Now i don't think that it's fair in my case that my credit tanked XXXX points! All because of late fees that we're out of my control. i've worked with XXXX XXXX XXXX to resolve the problem and they've done everything that they could to get my account back to what it was. Milestone have told XXXX that they would fix my account and I've yet to see any real change. DO NOT GET A MILESTONE CREDIT CARD. Worst customer service on the planet.
Product: Credit reporting or other personal consumer reports

Dear, CFPB I formally address XXXX XXXX XXXX XXXX  my ongoing dispute concerning the charged-off account referenced under Account Number : [ XXXX ]. In my previous correspondence dated [ XX/XX/XXXX ], XX/XX/XXXX, and XX/XX/XXXX I disputed this alleged account was inaccurate, it was re-aged, and continued reporting of a monthly balance associated with the alleged account. 

Despite my request for a thorough investigation, I have yet to receive a satisfactory response or any indication that my concerns have been properly assessed. This lack of action is a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically Section 1681 ( I ), and 1681 ( S ) ( 2 ) which mandates that this company investigate my dispute in a timely and meaningful manner. A charged-off account should not reflect a balance and definetly should not have activity for 74 months in the payment history. XXXX XXXX XXXX has change the date of last activity was XX/XX/XXXX. Now it shows past due as of XX/XX/XXXX. I am concerned that these errors will not get resolved it`s threatening my access to credit, employment, and housing. 
I respectfully request that you : Conduct a comprehensive investigation of my original dispute regarding inaccurate reporting. 

Provide me with the results of your investigation, along with any documentation used to analyze the accuracy of the reported information. 

Send me the assignment contract that pertains to alleged account to validate its current state. 

Update and correct your records to reflect the accurate information regarding my account. 

Notify the credit reporting agencies of any corrections made to ensure that my credit file is consistent and accurate or delete this account.
Product: Credit reporting or other personal consumer reports

Upon reviewing my Consumer Reports, I discovered some instances of late payments on an account for which I have always maintained timely payments. Consumer Reporting Agencies play a crucial role in accurately reporting consumer information. It is imperative that this information be reported with utmost accuracy. I have never missed a payment on the following account : XXXX XXXX, # # XXXX. I request a thorough investigation into these discrepancies and urge you to provide evidence, such as statements, demonstrating the lateness of these payments. If unable to furnish such proof, I demand that these payments be promptly updated to reflect their true status as on-time, as I have consistently upheld my payment obligations without delay.
Product: Credit reporting, credit repair services, or other personal consumer reports

As of XX/XX/2021 the following derogatory marks and collections were added to my credit report per XXXX XXXX and Equifax reports ; XXXX XXXX XXXX Amount {$2800.00} XXXX XXXX XXXX Amount {$300.00} DRS XXXX Amount {$560.00} XXXX XXXX XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$970.00} Upon further research, this account was transferred/sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused bill at all. A bill without a signature does not validate the debt and anybody can send a bill and say its mine. According to, has violated my rights as a consumer and I'm requesting legal action to remove this account from my credit report immediately.
Product: Debt collection

they reached out to my current employer by fax asking if I still worked there. 
This has caused tension at work.
Product: Checking or savings account

XX/XX/2023 Synovus Bank Subject : Report of Unauthorized ATM Withdrawals and Request for Investigation Account numberXXXX Dear Synovus Bank , I hope this letter finds you well. I am writing to inform you about a series of unauthorized ATM withdrawal transactions that have occurred on my checking account, as well as to request an immediate investigation into the matter. I kindly request your assistance in resolving this issue promptly. 

During my recent vacation outside the country, I received a text message alert regarding a possible fraudulent transaction. Upon receiving the message, I promptly responded by confirming that I had not used my card for any such transaction. As a precautionary measure, the bank locked my card to protect against any further unauthorized use. 

Now that I have returned to the United States and accessed my account, I have discovered multiple unauthorized ATM withdrawals that transpired on a daily basis. Surprisingly, the bank 's fraud detection system failed to identify any unusual activity, raise any red flags, or lock the card during this period. It is important to note that the only instance in which I used the card was to purchase gasoline at XXXX. 

In light of these circumstances, I urgently request that you take the following actions : XXXX. Report the card as lost or stolen : It is apparent that my card is missing, as unauthorized withdrawals have taken place without my knowledge or consent. Therefore, I kindly request that you immediately report the card as lost or stolen to prevent any further unauthorized transactions. 

2. Initiate a dispute : Given that all the ATM withdrawals conducted using my checking account were unauthorized and fraudulent, I hereby request that you open a dispute for each transaction. I expect that the necessary measures will be taken to ensure that the funds wrongfully withdrawn from my account are returned promptly.

3. Conduct a thorough investigation : I further request that your institution conducts a comprehensive investigation into the matter. As part of this investigation, I kindly ask that you retrieve and review the ATM camera footage from the locations where my card was used to withdraw funds without authorization. I believe that this evidence will help identify the individuals responsible for the fraudulent transactions. 

I trust that you will handle this matter with utmost urgency and professionalism. It is of utmost importance to rectify this situation promptly and to ensure that appropriate safeguards are put in place to prevent similar incidents from occurring in the future. 

Should you require any additional information or have any questions, please do not hesitate to contact me via email at [ Email Address ] or by phone at [ Phone Number ]. I am available at your convenience to provide any necessary documentation or further assist in your investigation. 

I appreciate your immediate attention to this matter and look forward to a swift resolution.
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 XXXX account number XXXX has violated my rights 15 USC 1681 section 602 a states I have the right to privacy 15 USC 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1681 ( a ) ( 5 ) section states no consumer reporting agency may 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 USC 1681s-2 ( a ) ( 1 ) a person shall not furnish any information relating to a consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate Also this collection needs to be deleted asap because I was XXXX XXXX XXXX XXXX XXXX sent to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  sat in XXXX XXXX XXXX XXXX  starting XXXXXXXX XXXX I was XXXX XXXX XXXX Im sending documents of the XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which is the reason XXXX XXXX was involved
Product: Debt collection

As it appears on my credit report there are three accounts that have not been proven to be owed by me. These accounts are shown as : 1 ) - 01 Citibank on XX/XX/2022, the amount reporting is {$3200.00} by XXXX XXXX XXXX. XXXX ) - 08 Citibank NA reported on XX/XX/2022 by XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX The amount alleged is a balance of {$100.00} on XX/XX/2022. Before reporting these false and inaccurate accounts there was no investigation to substantiate these accounts and alleged claims that I owe these companies. I do not have a contract with these debt collection agencies and prood of indebtedness must be shown and proven beyond any doubt before reporting information on my credit report ( 18 USC 8 and 15 USC 1666b ) otherwise this breaks federal law and is considered defamation of character. Legal action will commence against these companies if this information is not removed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I don't know what their reasons are when they're reporting me as late even though I'm never late so please carefully review the attached documents.
Product: Debt collection

Initial loan of {$4800.00} was processed on XX/XX/XXXX, now the new loan amount is {$5000.00}. Affirm Inc is stating that I am responsible for the the outstanding loan amount. I have informed them that I never done business with the company. I dont know how my name came associated with the alleged loan. I am carefully about my personal information, even XXXX account. I have never gave out personal information to anyone, unless applying for loan or some kind, but never done business with AFFIRM XXXX On XX/XX/XXXX, I submitted information to XXXX XXXX XXXX site. My checking account statement for XXXX of XXXX so they can look at my transactions. My utilities bill statement, driver license and a police report. After submitting the information, they responded that there was unauthorized activity, however, they have concluded that I am still responsible for the loan amount. 
I have notified XXXX last month about fraudulent activity on my credit report account, fraudulent alert has been activated and investigation on thier end. I have filed a police report with local law enforcement. I have done all these things to clear my name from this incident. Please see my attached document for your review.
Product: Checking or savings account

America First Credit Union will be transitioning all adult checking accounts to a Premium Checking account, and charging a $ XXXX  monthly fee. They advertised the premium checking as something that was optional or for new accounts. They sent an email saying that my account would automatically be transitioned to the new premium account, without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX in XXXX Al reported/submitted/requested/added a Hard Inquiry on my credit report XX/XX/XXXX and XX/XX/XXXX that i did not apply for credit or an update or give permission to XXXX XXXX permission to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX account # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. states I have the rights to privacy.

15 U.S.C 1681 section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions
Product: Debt or credit management

Monterey Collect Services Agency keeps on calling me requesting for me to pay them money. I do not owe them. I never received the service. I never use the service. The amount they say I owe is {$800.00}.
Product: Payday loan, title loan, or personal loan

Nickname, Account XXXX XXXX XXXX - XXXX I am appalled by the fraudulent actions committed by the Pentagon Federal Credit Union following a BILL CONSOLIDATION LOAN that I requested from it. In order to be thorough with explaining the scheme applied by the Pentagon Federal Credit Union to defraud me, it is imperative that I break down with the series of events designed the organization to rip me off through the loan. I am a victim of identity theft and no one can apply for a loan under my social security number without first confirming my total identity through the telephone. When I applied for the loan through the Pentagon Federal Credit Union website, I was informed that a decision on the load could n't be made without contacting me first and I waited until I received a phone from the credit union the next and I was informed that based on my credit score, I was approved for BILL CONSOLIDATION LOAN AT A OF 9.99 % and a check and other documents would have been sent to me. I received the check from the Pentagon Federal Credit Union about 1 week later without other documents to substantiate the promised interest rate and I proceeded with cashing the check since I relied on the information which was given to me verbally ( 9.99 % ) when my information was verified by the loan representative. Two weeks later from the date when I received the cashed and also cashed, Pentagon Federal Credit Union sent me documents WHICH PROVED THAT THE INTEREST RATE CHANGED FROM THE 9.99 % WHICH WAS AGREED UPON TO 17.99 % WHICH I NEVER TO. I agreed to pay {$450.00} on a monthly basis and I was being charged {$620.00} on a monthly basis instead. I called Pentagon Federal Credit Union on multiple occasions to resolve the issue, I was informed twice that they would have resolved the issue with the interest rate, but they never resolved it. I later called multiple times to speak to a supervisor, only one lower level was willing to call me back amongst all the request that I made, but he was n't willing to help me and he also mocked me. I was n't willing to make any payment to the Pentagon Federal Credit Union until this interest rate situation is resolved and the credit union still continues to send negative information under my name to the Credit Bureau Agencies. I am willing to make payments for the CONSOLIDATION LOAN I owe to Pentagon Federal Credit Union until the interest rate issue is resolved. I have heard before that Pentagon Federal Credit Union was fraudulent, but I never thought it was that bad. I just hope that other military member and federal employees wo n't have to face similar issues with Pentagon Federal Credit Union in the future since it seems this organization is use to committing fraudulent acts as such.
Product: Credit reporting or other personal consumer reports

I WAS A VICTIM OF IDENTITY THEFT AND WOULD LIKE THESE ALLEGED ACCOUNTS REMOVED IMMEDIATELY. 

XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Bank account or service

Navy federal credit union froze my check8ng account on mpre than 3 occasions. They locked me out of my checking account amd saving account due to not repayment of a loan on time.it acused me to change my direct deposit of my pay check to another financial institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I contacted Experian  XXXX   XXXX ,  2017 by online for  inquiry removal where in which I have no contract with these entities listed on my report :   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX   XXXX   XXXX   XX/XX/XXXX   XXXX   XXXX   XXXX    XXXX   XXXX    XX/XX/XXXX   XXXX    XXXX    XX/XX/XXXX    XXXX   XXXX   XXXX    XX/XX/XXXX  EACH COMPANY STATES THE WILL NOT REMOVE INQUIRY BASED ON POSTING IN REPORTS AND SINCE NO AGREEMENT POSTS OR IDENTIFY AS ACTUAL ACCOUNTS ON REPORTS IT IS NOT THEIR FAULT. I REQUESTED TO ALL REMOVED ON THE FACT THEIR ARE NO AGREEMENTS MADE TO POST AND TO PULL MY CREDIT WITHOUT CONSENT.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Equifax security breach came to light to the public XXXX,2017. I am unsure if I am effected yet ; I need to mail in my credit report request. It will be weeks before I know anything. The hackers are not yet identified, so I feel very vulnerable. Obviously computer security needs to be a number one priority at all credit reporting agencies. I would like to see all credit freeze/unfreeze requests be made available free from this and the other credit reporting agencies.
Product: Debt collection

Recently, a student loan has appeared on my credit report that does not belong to me. My student has been paid in full for over 15 years. 

I have tried repeatedly to dispute this with documentation showing it is paid if full, but all I get back is " verified '' or " accurate '', when it clearly is not. 

I have been XXXX from a XXXX XXXX since XXXX  and I rely on my good credit so that I can survive day to day with my limited XXXX. I am tired of having false information on my report and struggling to get anyone to listen to me that this is not mine as my in paid in full. 

I don't know how much more documentation I can provide that shows it is paid, or of my XXXX, but it is like no one is actually reading my complaints and believe some company that is in direct violation of the fair credit reporting act. 

The only thing I have not done at this point, because I can not afford it due to the XXXX is to file a lawsuit against these companies that want to prey on the weak and innocent. 

I am attaching my documents again in hopes that they will be taken seriously and they will stop reporting information that is just plain FALSE.
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent remove in my report and found that I need to visit FEDERAL TRADE COMMISION or XXXX XXXX XXXX to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove any remove listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 

XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX BALANCED {$2800.00} XXXX  XXXX XXXX {$4800.00} XXXX XXXXXXXX BALANCED {$790.00} XXXX XXXX XXXXXXXX BALANCED {$670.00} XXXX  XXXX BALANCED {$0.00} XXXX XXXX/XXXX/2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXXXXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/year>2023 XXXX XX/XX/scrub>/2023 XXXX XXXX/XXXX/2023 XXXX XX/XX/scrub>/2023 XXXX XXXX XXXX/XXXX/2023 XXXX XX/XX/year>2023 XXXX XX/XX/scrub>/2023 XXXX XXXX  XXXX/XXXX/2023 XXXX  XX/XX/year>2023 XXXX  XX/XX/year>2023 XXXXXXXX XXXXXXXX XXXX/XXXX/2023 XXXX XX/XX/scrub>XXXX/2023 JXXXX XXXX XXXX/XXXX/2023 XXXX XXXX XX/XX/scrub>/2023 XXXX XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XXXX  XX/XX/year>2023 XXXX  XX/XX/year>2023 XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX  XX/XX/year>2023 XXXX XXXX/XXXX/2023 XXXX XXXX XX/XX/scrub>/2023 XXXX XXXX  XXXX/XXXX/2023
Product: Credit card or prepaid card

on XX/XX/XXXXa mastercard was closed by XXXX XXXX. i spoke with employee XXXX XXXX said that he could only file a comment. he read off that a reporting agency transunion is reporting that i have to many inquirys ( 1 from XXXX XXXX ) my credit score ( XXXX ) usage and balance of the card ( {$0.00} ) were all factors of closing my account, i was told that the card was not a department store card i could use it anywhere. 
Account opened XX/XX/XXXX closed XX/XX/XXXX even tho i did not choose to close this account. 

the rep i spoke with really did not give even after i mentioned that this is an fcra violation. i asked if some one would follow up? he mentioned that this was just be documented for back office.