23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We paid $XXXX to lower our principal in order to pay the house off faster and also to get the Private Mortgage Insurance (PMI) of $XXXX per month cancelled.  I’ve been calling them trying to get them to do something for over a month now and they keep ignoring my requests.  I have paid my loan down to approximately 64% of it original value and they are trying to apply non specific charges of possibly $XXXX  to re-appraise the property.  I wouldn’t even have PMI if I owed this much on the original value of the property.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a business owner and market various products for suppliers. Earlier this year my business and myself was a victim of numerous financial fraud totaling over {$20000.00}. The loss of this funds had an impact on my income and my credit. As a result of the impact to my credit, I went from a XXXX credit score to credit score in the 500s. When my score reduced lenders that I had great relationship with started lowering my credit limits. I understand this because I am looking like a liability to these companies because they did not know the situation. By these companies reducing my credit limits, it further damaged my credit since these credit card had balances on them. XXXX XXXX and First National Bank are two of the main companies I am experiencing tremendous problems. 

I have been a loyal and responsible borrower with both companies. My account with XXXX XXXX   has been opened since XX/XX/XXXX. My credit limit was {$7000.00}. I have made ontime payments for the last 5 years and my limit was never increased. The company states they review account often. Secondly, there are two open disputes on my account that was never fully investigated or given my an update since the disputes were filed. One dispute is for {$1000.00} and the other is {$1500.00}. I have been getting interest fees on both charges. Services were never provided and these charges was suppose to be credited back to my credit card. 

Enclosed is a Commerce Statement in XX/XX/XXXX showing my credit limit was {$7000.00}. XX/XX/XXXX Statement showed my limit was {$4300.00} after my credit limit was reduced which brought my credit utilization ration to more than 100 % since I had an outstanding balance. As a result of the credit limit decrease, my credit score was further negatively impacted. I'm in the process of buying a home so I made a {$2000.00} payment on XX/XX/XXXX so that my utilization ration would be reduce which would then increase my credit score for me to get qualify for a mortgage loan. Instead of my utilization reduce, XXXX XXXX lowered my credit limit a second time immediately after payment was received. The lowered limit to {$2100.00} was reported to the credit bureau which lowered my credit score again and now maxed out the credit card since they did not credit the {$2500.00} dispute. At this point I do not owe XXXX XXXX any money. This company now owes me more than {$500.00}. 

First National Bank also did the same thing. My credit limit was reduced from {$6400.00} to now {$1600.00} after a {$2000.00} payment was made on XX/XX/XXXX. 

This is not right and these companies should not be allowed to damage consumer credit score by  reducing limits for no reasons at all. I have never violated any terms in the agreements and have never made a single late payment since I have been a consumer with both companies. My family life is being affected by these companies and I'm quite sure this is the case for thousands of consumers that have credit accounts with them. 

Thank you for looking into this matter.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against TransUnion for failing to properly investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, TransUnion consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure TransUnion complies with federal law and provides consumers with the necessary proof of investigation. Here are the inquiries thats where not mines. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Credit card or prepaid card

I had some bad fraud going on with my credit cards and specifically the Apple Card. While I was out the country and unable to come back due to the pandemic. My apple card was getting used after my XXXX and XXXX where stolen. Which i reached out to apple and informed them. There was over {$20000.00} in transactions made and {$16000.00} in payments taken out my account. Ive already let my bank know. But Goldman Sachs indicated I wasnt responsible and how i dont need to worry and how theyll get the charges credited and my payments back. 

Instead they closed my Apple Card and said I was liable for the fraudulent charges I never made.
Product: Debt collection

I sent my XXXX  XXXX XXXX back to the dealer for a factory defect. Ally is aware up until the point of the stalling issue. I did not miss one payment. Ally intern sold the car for more than it was worth. I had no knowledge of the sale until I went to Arbitration court on behalf of XXXX XXXX who sold me the car. I reached out to Ally and asked them to cease all contact with me during XX/XX/2011-present and they have been sending me letters, and also they have submitted my information to a third party who intern calls me repeatedly. I have requested that Ally abide by the statue of limitation. The statute of limitations in Florida is five years for written agreements and four years for oral agreements.The statute of limitations in Florida for an to legally pursue an old dept is five years for written agreements and four years for oral agreements. Under the Fair Credit Reporting Act, debts can appear on your credit report generally for seven years.The dept can remain on your credit reports for seven years from the release date or 10 years from the date filed. The date it was filed according to my credit report is XX/XX/2011.
Product: Debt collection

Water bill for city of XXXX was was unpaid as we were moving from XXXX to XXXX and account was referred to Ability Recovery. Bill was paid in full to City of XXXX but agency keeps trying to recover fees from me. Threatened to report me to credit bureau and hung up on me. Collector gave her name as XXXX XXXX.
Product: Debt collection

Carter Young Inc has been reporting a debt of {$100.00} to the credit bureaus ( incorrectly listing XX/XX/XXXX are the opened date ), and I contacted them and requested notification and verification of the amount they are attempting to collect. I had not been previously notified of a debt in this amount. I received 2 emails ( XXXX XX/XX/XXXX, and XX/XX/XXXX ) from the person listed below : XXXX XXXX XXXX Carter-Young , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX The emails do not have any documentation related to the amount they are reporting to the credit bureaus. There is no billing statement attached. I have not received anything else from them. 

On my credit reports, Carter-Young Inc. is reporting a. " Opened '' date of XX/XX/XXXX, but the first of 2 emails what I received from them ( which do not list any billing information ) is dated XX/XX/XXXX. How can they report that a debt has not been paid, when they never notified the person they are trying to collect from? They are damaging my credit score immensely.
Product: Checking or savings account

It is a strange threat they made, vaguely that they would attack my account "... .Ending in XXXX. '' It sounds more like a marketing ploy, but they threaten to " Block '' my access to my account if they can't extort the new information they want. This is part of an increasing problem with Citibank engaging in coercive information phishing. They have previously demanded information on NONCitibank accounts and closed a credit card account refusing to make a refund for my overpayment. ( CFBP worked that out for me, thank you. ) Now they're at it again. 

This account includes an unwanted checking account which they opened themselves, XXXX XXXX style, against my wishes and threatened to close the account I did want if they didn't get to keep it. I will now close that XXXX XXXX style account in as big a confrontation required to for them to crawl back under their rock.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credits BureausXXXX XXXX to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX Balance Owed : {$270.00} XXXX  XXXX XXXX Balance Owed : {$250.00}
Product: Credit card or prepaid card

Before COVID-19, my fianc and I booked our honeymoon vacation with the travel agency XXXX  for a package deal that included the resort and the flights together. Due to COVID-19, XXXX went out of business and cancelled our reservation, forcing us to dispute the charge with Chase. As the vacation was bought under one package deal but billed separately for the resort and the flights, we only received the refund from Chase for the resort portion leaving us with flights that we could no longer take. Upon disputing our flights twice with Chase, XXXX rebilled our account stating that the services had not yet been rendered. We were due to fly XX/XX/2020 - XX/XX/2020. Although the U.S. XXXX border is closed currently due to the pandemic, XXXX did not even have the courtesy to notify us that the flight was cancelled. We only received a text message from XXXX who is operating the flight notifying us that the flight was cancelled. 

I contacted XXXX several times in hopes of getting a refund for the cancelled flights, and was treated in an inhumane manner and told that I could only get a voucher at best which wasn't even initiated on their behalf. I asked them to refund me according to the guidelines provided by the U.S. Department of Transportation. Seeing that XXXX was not willing to work with me, I reached out to Chase yet again with hope that they would help their client resolve this issue with a merchant. This was unsuccessful as they told me that the flight is non-refundable and sided with the merchant TWICE saying that the services were available during the dates when clearly the border is closed and the flights were cancelled. I'm still dumbfounded at the fact that Chase is allowing XXXX to charge me for a flight that I physically could not take as international travel is still banned. THE SERVICES WERE NOT RENDERED BY XXXX. This is an unfair and deceptive practice. 

I was told by multiple Chase agents to reopen the dispute only to receive a response saying that XXXX provided sufficient evidence and didnt even give me a chance for a rebuttal. I sent in more than enough evidence with receipts of the transactions, screenshots of messages with the flight cancellations, and even quoted the DOT guidelines. I have been a loyal Chase client with a total of 4 open accounts. I am supposed to be a client of Chase, however I feel that theyre siding with XXXX and doing ANYTHING to help me out in this time. I am extremely frustrated and disappointed and feel helpless in this time against these big companies.
Product: Mortgage

I recently purchased a new home with builder financing. My mortgage was immediately sold to Roundpoint Mortgage Servicing corporation and I 've been making payments to them for the last 7 months. XX/XX/2016, I received a Real Estate tax bill from the City and promptly forwarded it to Roundpoint so that it could be paid from my escrow account. Despite several phone calls to Roundpoint 's customer service center, one of which ended with a promise from the floor superivsor to get the bill paid, Roundpoint has failed to issue a check and I 've been forced to pay the tax bill out of my own pocket. XXXX 's excuse for not paying the bill is that it is marked " supplemental '' ; in actuality, the city of XXXX XXXX has confirmed that this is the normal real estate tax that is due for the period of XX/XX/XXXX - XX/XX/2016.
Product: Debt collection

I requested they send me everything they have from centracare to validate the debt and to also make sure certain Hippa protected information wasnt sent to them also as part of the collection. I have not heard a word back from them. They are in violation because they have not sent me requested information. Also my last name changed after the service was performed at XXXX. It was Theis and now its XXXX, I divorced last may.
Product: Credit reporting, credit repair services, or other personal consumer reports

Last year I discovered a false account with XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX reporting on my file because of identity theft. I contacted the credit bureaus about it and they told me to file a dispute and a identity theft report with the Federal Trade commission. I submitted the dispute a the report but XXXX, XXXX XXXX, XXXX XXXX XXXXXXXX XXXX, XXXX denied the claim. This is not my debt. I have been cooperative with everything asked of me to dispute but XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX refuses to stop reporting. They are removed from Experian. Please investigate and help me resolve this issue. There is no way I willing to pay a debt that is not mine. 


XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX, XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the FCRA, the following accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. The following accounts must be removed immediately, ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( a ), states I have the right to privacy, XXXX XXXX XXXX, Section XXXX XXXX, also states that a consumer reporting agency can not furnish a account without my written instructions. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX years. Lastly, XXXX XXXX XXXX XXXX ( a ) ( XXXX ) 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 in accurate. I'm requesting that the accounts above be deleted immediately.
Product: Credit card

On XX/XX/2016, I received a response from Wells Fargo about my account Project Visa XXXX and XXXX today XXXX. The response did not address any of the issues that I raised.The investigator just wrote a short response and printed a bogus transaction history. She claimed that I was 180 days late, but the history did not show that. The history showed that I paid in timely manner.
Product: Credit card or prepaid card

I received an email XX/XX/2022 from Affirm with a subject line that read, " Your loan for your XXXX purchase is approved! '' and this loan was for {$220.00}. Then I received another email the following day with a subject line that read, " Your loan for your XXXX purchase is approved! ", XX/XX/2022 and this loan was for {$370.00}. At this point I did not have an affirm account whatsoever and never requested a loan from them for any amount let alone 2 separate ones. 

On XX/XX/XXXX I received an email with the subject line, " You've enabled XXXX! '' then in the email, they said XXXX was enabled through a bank account that has been closed now for over 5 years. In trying to report this fraud and let them know I absolutely did not request a loan or make a purchase for any amount through them ; they told me I needed to create an account with Affirm to dispute this. I did this and then reported this unauthorized activity and they told me they would look into it. I then received a response stating that they believed I made the purchases and was responsible for the balances. I still have not received any goods or services from these fraudulent transactions and have no idea what these loan amounts were for. There is also no record of it being made by me whatsoever in my XXXX orders history. 

I am working on rebuilding my credit and am feeling very frustrated that these unauthorized purchases/ charges are in my name when I had no part in making them whatsoever.
Product: Checking or savings account

On XX/XX/23 I deposited {$5000.00} USD into my Apple XXXX savings and all appeared to be fine. Today, XX/XX/23, I wake up to a notification advising that my account has been restricted and to contact support for further assistance. 

At approx XXXX, I spoke to an Apple Agent ( via text ) regarding my account and was advised that the account was restricted due to missing information ( that I was never asked for prior ) I provide said details to the agent and was told a REQUEST to unrestricted my account would be made and it could take up to 4 business hours to resolve. 

This is beyond infuriating and quite common as of late. There are hundreds of Apple XXXX clients who are in the same position as myself, but with much larger amounts stuck in limbowhich is why I was reluctant to place all of my money within this institution. 

Something needs to be done about this! Restricting ones funds with little to no explanation is plain wrong. I am now at the mercy of Apple HOPING to have access to MY money within a reasonable timeframe. 

XXXX XXXX should be ashamed of themselves.
Product: Credit reporting or other personal consumer reports

Considering freezing my credit. Preliminary investigation indicates the process is very much overly complicated! There should be some sort of central clearing house rather than having to persue the process with three different companies. 

Looking at XXXX, they offer a " Security Freeze '' or a " Report Lock ''. They say that they are different, but don't say what the difference is. Seems like they are creating confusion to sell a product to correct a problem that they created in the first place! 

Credit monitoring companies should be REQUIRED to have a " one touch '' freeze function.
Product: Money transfer, virtual currency, or money service

PayPal has a purchase protection program and resolution service. It is not clear whether it actually fulfills its promise in the contract to provide a genuine or real purchase protection program. My complaint through their resolution program seems to be a joke in that their responses are always in a form letter response, and responses from them have no relation to my complaint or case. In the case of " Item Not as Described '' I received a defective instrument costing {$7100.00} and provided pictures of the defect. They immediately declined to provide protection claiming the third party documentation did not meet their standards when I had not even sent a third party opinion nor had they asked for one. I sent photographs by mail, by email and through PayPal 's Resolution Center. Their decisions are not explained at all, just form letters that are irrelevant. In an obvious case of fraud ( seller claimed that the returned item was damaged in transit when the Post Office and photos confirm it was not damaged at all ) PayPal ignored the claim. In two cases of photos showing manufacturing defects, they apparently did not even look at the photographs. The process of relying on their Resolution Center is cloudy and unfriendly. I believe it is a fraud that they offer protection when they in fact do not.
Product: Debt collection

This situation has been beyond frustrating and exhausting. Imagine waking up to find yourself burdened with a debt that isn't yourscompletely unverified, yet somehow attached to your name. On top of that, I'm being harassed through multiple channels, bombarded with different tactics meant to intimidate me. I never imagined Id be dealing with legal threats over something I have absolutely nothing to do with. As a law-abiding citizen, its both insulting and infuriating to have my rights as a consumer blatantly disregarded. The stress from this ordeal is affecting my mental health, and the XXXX XXXX  have become unbearable.
Product: Debt collection

In  2013  a fraudulent account was opened in my name through  XXXX   XXXX . I have never had  XXXX   XXXX  service only  XXXX   XXXX   XXXX  I spoke with  XXXX   XXXX  and advised of the fraudulent this account was sold to  XXXX  different collection agencies all disputed and removed. Once again this fraudulent account is being reported on my file attached is my records of each removal. I am  XXXX   XXXX   XXXX   XXXX  not  XXXX   XXXX   XXXX  not any other  XXXX . This needs to be permanently deleted and not be able to be applied back to my credit reports over and over again this is damaging to my excellent credit history. I do not o this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked over my credit report and saw some inaccurate information. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) mandate that the three credit bureaus confirm these details ( A ). These items may not be reported as unverified information without providing any supporting information within the legally allowed time range. The following items are shown on my credit report as needing investigation and correction because they were reported incorrectly in my file. 
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
Product: Checking or savings account

I have Bill payments sent up with my credit union. The water bill was set up to be sent electronically. However as of the first of this year, they started to send a paper check, not electronic payment, to the XXXX XXXX XXXX for my bill. I called my bank, XXXX XXXX, to ask why. They said they use 3rd party XXXX XXXX software and an 'algorithm ' determines if a paper check or electronic payment is sent, and that they have no control over it. I said it had been previously working, but they would not troubleshoot the problem further, just saying basically 'the algorithm decides " even though previously it had worked fine. The problem with the paper check is that it takes longer and creates a late payment because of the extra time to mail a check. I checked with the Water department and they said no updates had been made on their end that should be causing a problem. Although my bank should troubleshoot this more, ultimately this is FiServe and their 'algorithm ' who is causing the problem because they built the software.