23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I purchased the house in XXXX of XXXX. Initial mortgage company was the XXXX XXXX XXXX. Soon after they transferred us to Mr. Cooper, our current mortgage company. As a XXXX veteran, back in XXXX I was entitled for partial discount on property taxes. As I was first time home byer, I decided to pay property taxes through escrow. Let the mortgage company handle that part, which they failed to do. XXXX passed by and in XXXX of XXXX I got the bill which included projected property taxes for XXXX and taxes for the entire year of XXXX. It was significant amount which I was not able to pay. After long hours of conversation with Mr. Cooper, they agreed to create a payment plan where we will pay the shortage monthly. 
In XXXX of XXXX I was granted XXXX, thus I got total property tax exemption. Whatever I overpaid for XXXX XXXX XXXX and XXXX gave me back. Mr. Cooper was still charging me property taxes from XXXX till XXXX of XXXX. I did notify them in XXXX that I was exempted, yet they claimed written documentation was required for confirmation. When I asked what happened with the tax money I paid them in 6 months of XXXX, they said that no property taxes were charged, and that I was paying off my shortage from XXXX. 
They failed to properly calculate my property taxes for XXXX. Mr. Cooper did not communicate with me in any shape or form. 
They failed to adjust my property taxes and escrow for XXXX and were charging me taxes when I was already exempted. 
Failed to communicate with me that extra payments for 6 months in XXXX were used to pay my shortage. Failed to fulfill an already established payment plan. 
Denied that they were charging me taxes in XXXX when it is written on escrow statements. 
They caused me significant distress. Their customer service is terrible. They hung up on me multiple times, were unprofessional on the phone and could not give an adequate explanation.
Product: Credit reporting, credit repair services, or other personal consumer reports

This has become outrageous and ridiculous. Month after month I do what it takes to raise my credit score with this company ( Transunion ). Everytime I raise my credit score, it drops more than what I've raised it with no explanation. For no absolute reason that should drop my score. I am a XXXX XXXX XXXXXXXX veteran and I suffer with major XXXX  disorder and this is causing me a tremendous amount of stress and tension in my life and my marriage. I call Transunion so I can get an understanding of what's happening and the managers I speak to have no idea of why my score is dropping. I've sent dispute after dispute, complaint after complaint and nothing changes. The CFPB hasn't regulated anything. I just PCS 'd from XXXX  to XXXX  and I'm trying to get a vehicle so I paid my utilization down to 6 %. My score went up XXXX points, then the very next day it drops XXXX points with no changes to my consumer report ( screenshots attached ). Noone can tell me why. Over the past few months my score has dropped over XXXX points on different occasions with no understandable explanation ( screenshots attached ). One time I had an inquiry removed and one of my account balances decreased and my score still dropped XXXX points. How? In XXXX all of these new inquiries were added that shouldn't have been and they dropped my score XXXX points, they were removed the inquiries within the same week but didn't give me any points back. I have an account with XXXX XXXX on my consumer report that has been closed for over 4 years now, but Transunion allows them to open and close the account pretty much every month. How is this account opening and closing repeatedly? I am so confused at what's going on. This is seriously damaging my efforts in obtaining a vehicle at this moment, which I need for my family and work. This is driving me crazy and has caused me several XXXX  attacks. Why is this company being allowed to violate and violate without any repercussions? Why is the Fair Credit Reporting Act in place? Why is the CFPB here if it's not going to regulate these violations once a complaint is submitted? I have good payment history which makes up 35 %, I have great utilization which makes up 30 %, I have 1 derogatory account that's years old so it shows as good, my total accounts is excellent and I have 2 inquiries. Only thing I have that may show as needing work is my credit age, which only makes up 15 %. So, how is my credit score at a XXXX? None of the accounts that are currently disputed show a disputed status on my consumer report, which by law it should. Nothing is adding up to remotely make any sense. I have been trying to resolve this without going the litigation route, but I'm being pushed to the limit where that seems to be the only option.
Product: Prepaid card

I am a rushcard customer, have not been able to have any access to my money in 16 days. When calling somtimes i get hung up on. other times the represenitives have the same excuses. Cant tell me whats going on or what the problem is or when it will be settled.The company wont even give any other opitions to recieve the funds.
Product: Credit card or prepaid card

I opened a capital one credit card account back on XXXX XXXX I payed my account monthly never late on XXXX XXXX  my account was closed over 1 returned electronic check payment which my bank at the time was responsible for mistakenly returning the payment I contacted my financial institution as well as capital one too resolve this but capital one accused me of improper & unethical use of my credit card & closed my account then reported derogatory information to all three major credit bureaus they also said I was not eligible to ever apply for a credit card account threw capital one? Capital one was also included in my bankruptcy which was discharged on XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : XXXX XXXX, Popular Banco XXXX Credit Card ending... XXXX This bank is also doing business under these names : Banco Popular de Puerto Rico. XXXX XXXX ( XXXX ) ; XXXX XXXX XXXX. XXXX XXXX, PR XXXX XXXX. Popular Bank. Customer Care Center ; XXXX XXXX XXXX Telephone : XXXX ; Mail : POPULAR CREDIT SERVICES Card Products Division XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX. 
XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. E-MAIL XXXX ... XXXX XXXX XXXX. XXXX XXXX PR XXXX XXXX. BANCO POPULAR DE PUERTO RICO. XXXX XXXX XXXX. 

Popular credit services- Disputes Resolution XXXX XXXX XXXX XXXX, GA XXXX RE : XXXX. Dispute Department. po box XXXX. XXXX, TX XXXX XXXX. XXXX XXXX XXXX. XXXX, GA XXXX XXXX. XXXX Consumer Solutions. XXXX XXXX XXXX XXXX, PA XXXX Please be advised that Im exercising my rights as spelled out by the Fair Credit Reporting Act in Section 609 and Section 623 ( e ). I am requesting the following items on my credit report be updated to reflect the fact that this Bank has defrauded the above-named agencies by providing false and defamatory information regarding missed payments and late payments associated with this account. I have been in contact with this bank numerous times and have even frozen this account and they too closed it yet still they applied unauthorized charges, to which they have added interest and late fees but worse of all they have gutted my CREDIT over the total amount of {$130.00} the majority of which is fees and I made them reverse the charge on the unauthorized purchase that went through when it should have been rejected. They are a predatory lender. They need to be stopped. But right now I need these criminals to stop destroying my credit. 

XXXX  complaint # XXXX Popular Banco, XXXX, XXXX XXXX Credit Card ending in ... XXXX Please remove all derogatory ratings and records reported by the above credit card company from my credit reports and please block them from reporting any further negative credit reports from this credit card as this card should have been permanently closed for over 2 months now. 

HERE IS AN EXAMPLE OF JUST ONE OF MY OTHER CREDIT CARDS THAT HAVE BEEN AFFECTED BY THIS ONE CRIMINAL ORGANIZATION : Dear credit customer, Were committed to keeping you informed about changes to your account, so were notifying you of a recent credit line decrease made on your account ending in XXXX. 
Weve decreased your credit line to $ {$8000.00}. Youll find specific reasons for this change below : The credit reporting agency has reported a recent credit delinquency. 
The physical address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and another name they have used was XXXX popular.
Product: Mortgage

Requested Home Equity Line of Credit of $ XXXX. House worth $ XXXX. Per Truist Bank my credit rating is XXXX. Provided all requested documentation with application on XX/XX/year>. Truist declined $ XXXX and countered with $ XXXX citing Excessive obligations in relation to income. We have no debt or obligations of any kind and pay off credit cards each month. Called XXXXXXXX XXXX XXXX  Truist representative XXXX XXXX on XX/XX/year> stating my displeasure and asked for an explanation and was told she would talk to her bankers. After a second call on XX/XX/year> with XXXX XXXX failed to provide any answers I wrote her an email on XX/XX/year> formally requesting in writing exact monthly payment amounts for the requested $ XXXX and the approved $ XXXX. Given we have no other debt I was trying to determine how we exceeded the 50 % Debt to Income ratio they claim. Our Net monthly income is {$5000.00} plus we have over $ XXXX in cash and IRA holdings. Instead of providing the monthly amounts XXXX XXXX sent a reply quoting percentages but without actual amounts requested. I again wrote XXXX XXXX on XX/XX/year> requesting the monthly payments. Two replies from XXXX XXXX resulted in vague references about referrals to a underwriter but to date Truist Bank has failed to provide specific interest only monthly payment amounts requested to justify their declination of our loan request of $ XXXX.
Product: Credit reporting or other personal consumer reports

TransUnion is inaccurately reporting late payments on my XXXX XXXXXXXX XXXX account ( Account # XXXX ), even though the account status is listed as Paid as Agreed. This is a clear violation of 15 USC 1681e ( b ), which requires credit bureaus to ensure maximum possible accuracy. Despite this legal obligation, TransUnion has failed to correct this error. Both XXXX and XXXX are reporting this account correctly, yet TransUnion continues to misrepresent my payment history. Why is TransUnion the only bureau making this mistake? This raises concerns about their verification process and whether they are properly reviewing data before adding it to consumer reports. This account does not have any late paymentspayments were made on time. However, TransUnion has reported late payments for months that do not match the records from the other credit bureaus. This needs to be corrected immediately. Under 15 USC 1681i, I am disputing these errors and demanding that TransUnion remove the inaccurate late payments and update my credit file. I expect written confirmation once this correction is made. If TransUnion does not resolve this issue, I will take further action to enforce my rights under the law.
Product: Credit reporting or other personal consumer reports

My name is XXXX XXXX XXXX and I have tried filing a complaint about these FRAUDULENT ACCOUNTS being reported on my consumer report. It is a violation of the FCRA. And I demand the deletion of all accounts mentioned IMMEDIATELY. This is not a third party filing the complaint. I am a real person. A CONSUMER to mention. And my CONSUMER rights are being VIOLATED.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX account number # XXXX Closed account Incorrect information reporting I have never signed documents to receive a XXXX XXXX credit card and they are reporting negative information to credit bureaus Ive tried to reach out to your customer service with no help as well as XXXX XXXXXXXX
Product: Debt collection

Chase failed to close an account and is now attempting to collect a debt that primarily consists of late fees for an account that should be closed already. When I attempted to remedy the situation they gave me the run around.
Product: Debt collection

This is a formal complaint against National Credit Adjusters located in XXXX XXXX XXXX, XXXX XXXX XXXX XXXX KS XXXX. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable account on my credit report and not to mention an account in which I've asked for proof of claim and in which they have not been able to provide, per the FCRA. Despite my efforts to resolve this unfortunate nightmare for several months now, this company has completely ignored my communications and legal submissions to remove this inaccurate information from my credit report. I am well aware of the many, many other complaints filed against this company for their illegal and unethical business. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DID NOT CONSENT TO, OR AUTHORIZE NOR BENEFIT FROM ANY OF THE FOLLOWING INQUIRIES. PLEASE BLOCK AND REMOVE IT. 
XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXXXXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX, XXXXXXXX XXXX Date of InquiryXXXX  XXXX XXXX Date of InquiryXXXXXXXX XXXX Date of InquiryXXXXXXXX XXXX  Date of Inquiry XX/XX/XXXX XXXX XXXX Date of InquiryXXXX
Product: Credit card or prepaid card

On XX/XX/2021, I opened an account with Klarna. My credit limit was {$2600.00}. 

On XX/XX/2021, I made purchases in the amounts of {$1200.00}, {$820.00}, and {$670.00}, respectively. On approximately XX/XX/2021, the item for {$1200.00} was returned to the merchant ( XXXX XXXX XXXX ). 

On XX/XX/2021, a payment of {$250.00} was due however this payment did not reflect any adjustment for the {$1200.00} refund. When I contacted Klarna customer service about this, I was told that the adjustment would reflect on my XXXX statement. This has yet to occur. My monthly payment for XXXX is {$250.00} which is the same as the XXXX payment. No adjustment for the {$1200.00} return has been made. 

I have available credit in the amount of {$660.00} and have been locked out of using this amount to make additional purchases. 

Additionally, a late fee of {$25.00} has been charged to my account since the {$250.00} payment was not received on XX/XX/2021.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a scorned ex who knows my social security number. I frequently get notifications that my credit has been checked. I call the companies to dispute them they say its nothing they can do. I guess the inquiries are done online because I know he can not go in person and apply for anything in my name. I have tried to get the inquires removed and they will not remove them. I have multiple inquires to the same companies. The companies always send me letters however I stopped wasting my time because they will not remove them. Companies are 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 and XXXX. I access this all from XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am distressed that you have included the below information in my credit profile and have failed to maintain reasonable procedures in your operations to ensure the maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. Therefore the following information needs to be investigated. I respectfully request to be provided proof of this alleged item, specifically the contract, note or other instrument bearing my signature. Failing that, the item must be deleted from the report as soon as possible : XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, OR XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Mortgage

I want to know who is my current servicer. 
where did you transfer money from the XXXX insurance claim
Product: Debt collection

I discovered an error on my credit report stating that I owe {$140.00} to a company called LVNV Funding, LLC. I have no knowledge of this account and have never had any dealings with this company. I contacted them through their website, requesting detailed information about the account and asking for its removal. However, they have not responded to my requests in any way. Since this account is not mine and they are unresponsive, I am requesting that this erroneous item be removed from my credit report immediately.
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Checking or savings account

I have been unable to monitor my bank accounts properly for about a month XXXX XXXX XXXX XXXX XXXX XXXX During this time I am not sure who had access to my cards or phone. Upon coming home I noticed that both of my bank accounts had activity in the past month that were not just recurrent payments. I filed a claim with Wells Fargo for transactions from XXXX, stating that my last known transaction was from XXXX from XXXX for an amount of {$10.00}. These small transactions over the month totaled to around {$600.00}. Wells Fargo has denied my claim and I have talked to multiple representatives who all have different reasonings for why it was denied, all of which do not makes sense. One claim totaled 40 transactions with a total of {$510.00}, another of 10 transactions of {$120.00}, and a final one of 10 transactions of {$130.00}. The representatives were rude and disrespectful. I have spoken to all merchants involved who say I need to speak with my bank and that my account with them was hacked. 

Wells Fargo responded to my previous complaint with the same exact response, which is not a response. " we found compelling evidence supporting the decision that was already communicated to you. We agree with the decision made by the Claims Assistance Center to deny your claim as we found the charges were made by you and no bank or processing error occurred. At this time, we respectfully decline your request for reimbursement. Please consider this claim closed '' Again they do not state the " compelling evidence '' and I'm confused about how a XXXX  individual in a different state made these transactions? So I will not be considering this case closed, and I will be taking this to a lawyer if I have to, and continuing to file complaints with the CFPB
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised that I am the victim of identity theft, a result of which is the reporting of negative information on my credit report. In accordance with the provisions of FACTA, I hereby request that such negative information be blocked from my report. The specific information that I am requesting be blocked is as follows : XXXX As required by FACTA and in support of my request, I am including a copy of my AFFIDAVIT And police report filed with a law enforcement agency. I also hereby request, in accordance with the provisions of FACTA, that you promptly notify the company or companies providing the false and negative information that the information provided by them is the result of an identity theft, an identity theft report has been filed, and an information block has been requested. Thank you in advance for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

I've have been trying to get my credit report from transunion and annual credit report. I have been unsuccessful, ive spoke with agents of transunion still been unsuccessful. I verify my identity with 2 transunion agents.

Every time i mention something it seems like transunion make it more difficult for me to acess my credit report. Currently my account have been block again just after unblocking my account for me.
Product: Debt collection

I have reached out to the AR Resources INC several times and no response to remove this item that is impacting my credit. I will provide the dates that I reached out to the creditor to get this removed and no response. I sent letters on the following dates shown below. Could someone please help to resolve this issue for me. This debt is from XXXX of XXXX and should have been removed for some time now. Thanks XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I reached out to XXXX  and Transunion several times via certified mail, with proof, that the XXXX XXXX account on my credit report was reporting inaccurate information XXXX last payment, past due balance, late payment time ). Nothing was done and they kept claiming the information was accurate. 

Date of last reported is later on XXXX  than Transuion. Yet, the past due is lower, " date of last payment '' is wrong, Additionally, the State of New Jersey asked these type of lenders to waive late fees, defer and skip payments, as well as delaying delinquency notices. XXXX XXXX refused.