23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

On XX/XX/XXXX, my mortgage company " NEWREZ '' attempted to take out my payment of which I had made on XX/XX/XXXX. However, I noticed " NEWREZ '' has not taken the money that I owed them for my regular mortgage payment. I waited to see if they would take out the funds and on XX/XX/XXXX, I submitted a new payment which went through XX/XX/XXXX. XXXX roughly XXXX, I received a letter in the mail stating that my first payment was returned due to insufficient funds. I attempted more than 5 types to submit proof that I did have the necessary funds on the XXXX of XXXX in the form of bank statements. My mortgage company is completely refusing to acknowledge this documentation and acknowledge it as proof. 

Furthermore, I was told the insufficient funds charge was first the first failed attempt on XX/XX/XXXX however, I did not get the fee until XX/XX/XXXX. My bank has also confirmed twice that I did have to necessary funds XX/XX/XXXX and at least 3 days after and there is no record on my banks end of " NEWREZ '' attempting to take out the payment. 

On roughly XXXX XXXX, I was told by two different " NEWREZ '' employees over the phone that all I needed to do to get the fee taken off was to submit proof through " NEWREZ SECURE MESSAGING SYSTEM ''. I do have a video of myself trying to submit proof via " NEWREZ SECURE MESSAGING SYSTEM ''. However, the site will not accept any of my file methods that the " NEWREZ '' website says they accept. 

I was informed on XX/XX/XXXX by a " NEWREZ '' employee on the phone that, " NEWREZ '' has determined that after investigating, I am found liable for the insufficient fee. This is after submitting my proof that I did have sufficient funds. 

I spoke with a certified mortgage counselor who advised that this fee is part of a growing number of mortgages imposing " junk fees '' and a new business model. 

I have included the proof that I had sufficient funds when " NEWREZ '' claims they attempted to take their payment from my bank account. As well as proof of the fee being applied on XX/XX/XXXX instead of XX/XX/XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX, I allowed XXXX to access my XXXX Credit Report to apply for a rental property. On this report, XXXX showed I have an account in collection with a company called Affirm ( whom I have reported for XXXX incorrect reports in the past ). 

The account number with Affirm is XXXX This account was settled for less than the amount owed in XX/XX/XXXX. It is no longer in collection status, but there is some information error on behalf of Affirm and they are still reporting that it is in collections as you can see on the report I received. 

I filed a dispute with XXXX and it seems Affirm responded that they information was correct and did not change the status. 

I contacted XXXX by phone again today and they said they are still showing the status of this account as " in collections. '' It has been *one year* since I settled this account, and Affirm is again taking far too long to correct the account status. 

I did not attempt to contact Affirm because I tried to communicate this same issue with their agents over a different account last year, and it caused me nothing but stress and frustration. They do not understand the importance of correctly reporting **CURRENT ACCOUNT STATUS** Once again, this is interfering with my ability to secure a residence. I need Affirm to correct their reporting with XXXX and any other agencies to whom they report.
Product: Credit reporting, credit repair services, 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 accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts 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. 
Here is the list of accounts/items which do not belong to me or were opened without my permission. 
XXXX  XXXX Balance : {$35.00} XXXX XXXX Balance : {$330.00} XXXX XXXX Balance : {$47.00} XXXX XXXX Balance : {$70.00} XXXX XXXX Balance : {$70.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$1200.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$250.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX ) XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$300.00} According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report i was shocked to learn that I have been a victim of identity theft i found numerous accounts on my credit report that I did not open. this has been hurting me as I am in the process of buying a home for my family. please remove these fraudulent accounts from my credit report as soon as possible.
Product: Mortgage

I am trying to get a payoff, and I can not get in touch with a person. 90 minute wait times which are not realistic. I can not access this electronically because BOA has refused to acknowledge that I am the persona representative of the estate.
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/2022, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX XXXX  from my OceanFirst Bank account to fraudsters.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THIS ACCOUNT COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX
Product: Checking or savings account

I have filled three complaints about racism at the td bank at XXXX XXXX XXXX XXXX, sc XXXX. This specific complaint I was targeted and my accounts were frozen and I had no access to my funds. I have been on unemployment from debt of GA for 9 months and received my deposit to this exact branch, now all of a sudden they stating its fraud because i live in SC. I live in XXXX Sc and drive to XXXX GA for XXXX for a year prior to being furloughed however I'm sure they are not doing this with everyone else. I was forced to send in paystubs, w2 forms, and unemployment proof from GA and I complied on XX/XX/21 however is XX/XX/21 and still have a freeze on my account. I feel that I being discriminated being an XXXX XXXX woman. Here we are in a pandemic and I'm already on unemployment that I can't receive. I then received my taxes and they froze that too. I am going to look into legal advice and the media to show how a XXXX women is being treated at a predominantly white city and bank over filling a discrimination complaint. If this was a fraud issue there was 10 months prior to the complaint to take these steps. Now I'm receiving the run around and I also filled a complaint with the OCC. My next email is to the attorney General Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XX/XX/XXXX XXXX XXXX to make sure the payments and overages were being applied correctly to my account. The young man said they were and not to worry. XXXX XXXX online dashboard was not working on two different browsers. I asked for the break down of principle and interest then pay off. He assured me the payment overages were being applied properly and split between XXXX XXXX XXXX  I checked my online account the next day and it showed a past due balance, when I was paid ahead. I called XXXX XXXX asking where that came from and was originally told not to worry. It was a glitch in " XXXX '' their inhouse system. That on their end she could see that my account was current. A few days later it still showed past due, I called XXXX XXXX asking what was going on and was then told an employee had made an unauthorized payment reversal for XXXX, XXXX That my account now had late fee 's and was past. I asked why and after being transferred to three different agents nobody could tell me who or why it was done. I was told " He was not authorized to do that, were working to fix it. I asked several times if this would hit my credit and informed them I was going to be making a purchase in XX/XX/XXXX that I put a non refundable deposit down. The agent told me it " absolutely would not be reported because I was not late, and they notated it on the account ''. I was told they didn't know why the agent reversed it, but it was fixed, not to worry. My future purchase would be safe. I paid off the remaining balance of the loan on time XX/XX/XXXX. In XX/XX/XXXX I was setting up financing on my previously named future purchase. We checked my credit and it shows XXXX XXXX reported me 30+ days late XX/XX/XXXX. I called XXXX XXXX and was told to hold on, and they hung up on me after opening my account ... Twice. The next day a XXXX XXXX rep told me that she could see that someone had tried to check the payment leger and reversed the payment and tried to reapply it. She said he wasnt allowed to do that, and reapplied the payment he reversed on his own doing wrong. Sending my account into a fraudulent past due status. On the recoding i have she states " Its their " XXXX XXXX 's '' fault and it should have been caught and fixed the previous times that I called. However there wasn't much they could do since it had hit my credit ( XXXX points ) Someone from XXXX XXXX would call me to explain how to fix it but it would take 45 days and I would lose my cash deposit on my future purchase because they made unauthorized changes to my previous payment. Not much other than " Yes its our fault but not much we can do now '' phone call was recorded on my end.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX my car with XXXX XXXX was illegally repossessed due to a billing error in their system. Although I received the car back the next day, they still placed a repossession on my credit resulting in a loss of XXXX points. It took me 5 months for them to remove the repossession, but I never got my points back. This happened XXXX on XX/XX/XXXX. It took almost XXXX of endless calls and fighting to get it removed a second time, with me losing another XXXX points. Again, none of the agencies ever restored the points back. Then they REMOVED the car from my credit reporting. Please help, as neither the Credit Bureaus or XXXX will fix this major issue.
Product: Credit reporting or other personal consumer reports

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 an 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.According to 15 USC The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 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 I looked at my Experian credit report on XXXX XXXX 2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

CENTRAL PORTFOLIO CONT XXXX XXXX  XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXX This company is attempting to collect on a debt not owed. I broke an apartment lease in 2017 due to uninhabitable living conditions. I provided proof of a broken heater, causing my apartment to be freezing in the winter, a harrassing downstairs neighbour ( XXXX XXXX in XXXX ), a continous gas smell and carbon monoxide alarm, and the property managers would not resolve the issues. I submitted work orders prior to moving out for these issues as well as a clogged drain. I broke my lease and paid the early termination fee, which I have the receipt for. I cleaned the apartment prior to moving out, and am disputing the cleaning charges as the carpet did not need to be replaced, as I spent only a handful of days actually residing in the unit due to the horrible treatment and conditions. My mother and ( XXXX XXXX ) were both in contact with the property management company and were reassured all charges were paid in full after seeking an attorney on the issue. Do we need to seek another one all these years later? All documentation is readily available if so.
Product: Credit reporting or other personal consumer reports

According to the FAIR CREDIT REPORT ACT if I request that information that hinders or damage my credibility not be reported on my account, then it should not be reported on my account. Trans Union, XXXX, and XXXX is continuing to report my personal private negative information like late payments, Closed accounts and Hard inquiries to the public domain. These three things are damaging me terribly.
Product: Checking or savings account

On XX/XX/XXXX, I tried to transfer money to my son 's girlfriend but could not. I called Chase and they informed me there was a dispute on my account by Mr. XXXX XXXX on a {$600.00} transfer he sent me on XX/XX/XXXX. I was unaware of any issue, but told the bank I would check with Mr. XXXX. Upon speaking with Mr. XXXX, he said he has not filed any dispute or anything about this transaction. On XX/XX/XXXX, Mr. XXXX and I spoke with representatives from XXXX  XXXX XXXX. We were told at that time that no dispute was filed. I then called Chase. I was then told that the dispute was via the XXXX app feature of the XXXX  XXXX XXXX account. Mr. XXXX and I then called XXXX XXXX XXXX again. Again, we were informed there was no dispute filed either by XXXX  XXXX XXXX or the XXXX XXXX originating from Mr. XXXX 's account with XXXX  XXXX XXXX. I then called Chase. From that point it has been call after call. I was given no timeframe for resolution and no opportunity to prove my account was wrongfully frozen. I have spoken to agents, supervisors, even representatives from the CEOs office. No one can tell me why my account is still frozen when I have provided them with my assertion that no dispute has been filed. No one can tell me a timeframe or give me any indication when my funds will be released. At this point, I feel that Chase is in error by continuing to withhold access to my money when no one has filed a dispute and no one has offered proof of said dispute. I am asking that my account be released immediately so that I can access my money.
Product: Credit card or prepaid card

During the late morning of XX/XX/2022, I attempted to login online to my CHASE FREEDOM credit card account. Four times I clicked " send me a code ''. Not only four times, but six times, Chase telephoned me- each time with a recording stating that " this is not a valid entry. Goodbye. However, I did not have a chance to enter anything, all I did was say hello. But, while doing so, the XXXX DESIGNED AI spewed about not being an entry and hung up. Clearly, J. P. Morgan Chase Bank has a malfunctioning online IT system. Moreover, starting at the top with billionaire XXXX XXXX XXXX XXXX XXXX, there is no accountability, no responsibility to the consuming public.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just got in mail from Experian. 
Per Colorado law report potential negative item. 
When I go to the site that lets you get free credit reports. 
Annual credit report.com I try get report for experian-I wanted to review before contacting. States company will not authorize. Gosh I have XXXX FICO.I will call but their fishing.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion concerning their handling of my identity theft dispute. Despite documented proof and investigation results from XXXX and XXXX confirming my victimization of identity theft, TransUnion has failed to appropriately address the issue. 
On XX/XX/XXXX. I filed an FTC Identity Theft Report and promptly notified all credit reporting agencies. XXXX and XXXX diligently investigated and subsequently acknowledged my status as an identity theft victim. Both agencies removed the fraudulent account from my credit report and file. 
In contrast, TransUnion unreasonably concluded that the reported account was accurate, disregarding the findings of XXXX and XXXX. Despite my multiple attempts to seek transparency and validation of their verification methods, TransUnion failed to comply with my rights as outlined in 15 USC 1681g, neglecting to provide the sources of information contained in my credit report and failing to furnish proof of the original contract associated with the disputed account.

Additionally, under 15 USC 1681i ( 7 ), I am entitled to know the steps taken by TransUnion to verify the accuracy of the reported item. Regrettably, they have repeatedly disregarded my requests for information, violating my rights under the law.

Moreover, it's important to note that I did not provide written permission under 15 USC 1681b for TransUnion to furnish this information, further compromising my rights.

TransUnion 's actions are also in violation of the Privacy Act of 1974 ( 5 USC 552a ( b ) ) and 12 CFR 1016.7 ( a ) ( 1 ) of Regulation P. Despite my explicit request to opt out of the sharing of my information pursuant to 12 CFR 1016.7 ( g ) and ( h ), TransUnion has failed to adhere to these directives.

Their disregard for my rights and mishandling of this situation have caused severe personal harm and discrimination, affecting my reputation and financial well-being.

I respectfully request the Consumer Financial Protection Bureau 's intervention in this matter to ensure that TransUnion rectifies this situation promptly and in accordance with the law. I also request an investigation into their practices to prevent similar injustices against other consumers.
Product: Credit reporting or other personal consumer reports

Transunion has repeatedly decreased my score numerous times. Each time I dispute a item that says it's 7 years olXXXX. Each time I report them to the attorney generals office. My score magically drops with NO changes. This is a consistent issue with this company. My score just jumped to XXXX for acredit card being paid off and all of a sudden after a dispute was submitted and completed by score drops XXXX points with no changes. They never actually investigate the disputes I submit. They never removed inaccurate information. And after this complaint I'm sure my score with be tampered with again. They should not be allowed to tamper with my score because there's a credit system made up by man that I unfortunately have to use in this world system. This business is consistently trying to hinder my score from raising. The first complaint of me not being able to access my credit score to the AG in Arizona, Transunion dropped my score XXXX points for NOTHING. No changes, no new debt, no new inquiries, no changes at all. Just dropped my score. And I highly doubt this is legal to do because companies have to report fair and accurate information so that would include the business reporting the information as well. This company need to be investigated by the FBI. They have names and information that don't match any of my information as well. Addresses I've never used. Disputing them does not do anything.
Product: Credit reporting or other personal consumer reports

I recently discovered that my identity has been stolen, as evidenced by a fraudulent XXXX  XXXX XXXX checking account that was opened in my name. This revelation came to light when my application for a bank account was denied earlier this year. Upon reviewing my Chexsystems disclosure report, I was alarmed to find a remark indicating suspicious activity associated with a XXXX  XXXX XXXX account that I never authorized or opened. I am deeply frustrated and disheartened by the unfairness of this situation. It is unjust that I, as the victim of identity theft, am now burdened with the consequences of someone else 's criminal actions. This fraudulent activity has not only infringed upon my financial well-being, but it has also impeded my ability to open a legitimate bank account. I am reaching out in the hopes of finding a resolution to this matter. I kindly request that the fraudulent XXXX  XXXX XXXX account be immediately removed from my Chexsystems report, as it is inaccurately tarnishing my reputation and preventing me from accessing essential banking services. I appreciate your attention to this pressing issue and trust that you will take the necessary steps to rectify this situation promptly.
Product: Vehicle loan or lease

I just received my credit report and noticed unauthorized activities that should not be on my credit report.This has been a stressful time during the pandemic outbreak.
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 confidentially under 15 USC 1681. 

ACC NAME : XXXX XXXX  # XXXX # XXXX XXXX  # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A.States i have the rights to privacy.

15 U.S.C 1681 Section 604 Section 2 : it also states a consumer reporting agency can not furnish a account without my wriiten 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 consmer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate