23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was being serviced by XXXX XXXX XXXX  and it was sold to Select Portfolio Servicing effective XX/XX/2021. I received an email from XXXX regarding this but no other information was provided at that time. I received a letter stating the change from Select on XX/XX/2021 that they were going to be the provider and pay them effective XX/XX/2021. So I contacted them on XX/XX/XXXX to speak to someone about making the payment since I didn't want it to be late. I was the woman I spoke with that since my account information wasn't there, they could not accept any funds?? She told me to register on their website and to start that process. I told her I did and that she said allow it until XX/XX/2021 to show up in their system. 

I checked on XX/XX/2021 and still nothing was showing. On XX/XX/2021, it had showed up on their system so I registered to have my payment information saved. I then received a notice that I was ineligible for phone payments without a {$15.00} processing fee. I was also ineligible for online payments unless I would pay a {$15.00} processing fee as well. In this day and age, why can they not accept payments online without a fee?? 

I spoke with two reps at Select today who both told me that my account isn't 'boarded ' yet and that that will still take time? I was also advised that there is no credit reporting or late fees for the next 2 months while this is being handled and that I should have no concerns about waiting the time ( 60 days? ) to make payments??? I was also told if I mailed a check, it could take between mailing, receiving payment and their processing time, another 3 weeks to have the payment credited?? 

Again, how in this day is there so much delay with a supposed established company and that a quick XXXX search revealed that they have been listed as having many issues. And that with the age of internet and online banking, why so much delay and additional charges?? This is unacceptable.
Product: Credit card or prepaid card

Company closed my credit card account without my permission and without good cause. Capital One also mishandled several of my billing disputes on the credit card account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that don't belong to me. These accounts are stopping me from buying my dream home. 
The account listed below is not mine. Sent in multiple letters and haven't received any response. I don't understand why. Please help me ... 

List of the accounts ; -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: Debt collection

Discover card has blocked me from getting my consumer credit card into a payment program. I was working with a credit card service and XXXX from Discover card called me to allege fraud on my credit card. I was honest and explained that there was no fraud on my account that I was working with a company that I authorized to have access to my account. She unilaterally decided to change my account number, successfully blocking me from trying to get out of debt. 

On XX/XX/XXXX, XXXX contacted me demanding a payment. When I informed her that I did not have the ability to make a payment currently, she threatened that she knew my bank account number. I immediately said repeatedly that she and Discover had no authorization to take money from my account. On my own accord, I payed a payment of {$200.00} ( which a few cents credit ). Imagine my surprise when I receive an fraudulent email indicating that I verbally authorized a phone payment on XX/XX/XXXX, which was completely untrue. Obviously, XXXX and Discover realize that this practice is fraudulent, as she created the fake phone authorization in order to create a fraudulent paper trail. 

On XX/XX/XXXX, I confirmed that my credit card has finally made it into a payment program. I have received two additional phone calls on XX/XX/XXXX XXXX EST and XX/XX/XXXX at XXXX EST from the fraud department. I have not take the phone calls, as I am tired of arguing with them and finally just wrote an email to the CEO, XXXX XXXX informing him of his Discover and XXXX 's unethical and illegal behavior. I suspect that they are going to alleged fraud again, so yank my credit card out of the payment program and block me again from trying to successfully pay my debt.
Product: Money transfer, virtual currency, or money service

On XXXX XX/XX/2018, I arranged an on-line wire transfer of {$500.00} from my HSBC-XXXX  account, to initiate my new HSBC-US account. The US branch deducted their standard {$15.00} wire charge from the deposit, but summed this as {$470.00} - a XXXX discrepancy. In addition, the wire charge has shown up a second time on my online statement. In total, HSBC-US has incorrectly deducted {$25.00} from my account. 

I have tried to resolve this with HSBC-US ' customer service phone line 4 times, plus 4 times using their 'bankmail ' service, without success : They just say that the missing {$25.00} " must be '' fees deducted from my transfer amount by the sending XXXX branch ( I have confirmed with the XXXX customer service that this is not so ). I have, at least 3 times, offered to send copies of the paper outgoing and incoming Wire Transfer Advices, which clearly show that the discrepancy is within the US branch. But they don't seem to have any interest in seeing these.
Product: Mortgage

This complaint it will be proof that PennyMac Holdings, LLC, never have legal standing, RIGTH, and legal capacity to enforce or collect funds-money from me related XXXX XXXX my property located in XXXX County Florida at XXXX XXXX XXXX XXXX, fl XXXX. The servicing of this loan was done in violation of that F.C.R.A and F.C.D.P.A and H.U.D.. OCC and many others agency in the federal level and State, including violated that T.C.P.A.
Product: Debt collection

This Ally Auto continues to call my home 4 times a day everyday for the last month or so. I am less than 30 days behind on my car note and they continue to call at least 4 times in a day to collect payment. Calling me this amount of times in a day is harassment and will not make pay them any faster.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible. 

XXXX  XXXX {$2400.00} XXXX XXXX XXXX  XXXX {$660.00} XXXX XXXX XXXX {$690.00} XXXX XXXX  XXXX {$2400.00} XXXX XXXX {$89.00} XXXX XXXX {$760.00} XXXX XXXX {$220.00} XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX {$130.00} XXXX XXXXXXXX {$330.00}
Product: Credit reporting or other personal consumer reports

I have received a copy on my consumer reports and I notice you have furnished transactions on my consumer report that is excluded by law as per the FCRA 15 USC 1681a 2Ai.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; A consumers transactions are excluded from the consumer reports. FICO and or any other Risk score or algorithm that you use to calculate a consumers credit score is not a factor where the consumer report is concerned! Definition of what the consumer report means.

consumer report In general. The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

FICO or non of its factors are not defined or included in the definition of the consumer report! Therefore the reporting of transactions between the consumer ( ME ) and the Person ( Affirm ) is a violation of 15 USC 1681a the definition of the consumer report does not include FICO or Vantage which makes their factors or algorithm not a factor where the consumer report is concerned.
Product: Credit reporting or other personal consumer reports

This is my second request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items. 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 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 reporting or other personal consumer reports

These companies violated my rights to privacy and have not provided me any proof of the original agreement and has negative items in my credit report. I haven't given any permission to or signed any contracts.
Product: Debt collection

I am not liable for the debt with XXXX XXXX XXXX XXXX XXXX. I DO NOT HAVE A CONTRACT WITH XXXX XXXX XXXX. Please be advised that I am aware of my rights under the FDCPA and will take necessary legal action to ensure they are upheld.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to file a formal complaint against Transunion, XXXX and XXXX for their violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Despite my previous communication with them regarding inaccurate credit information, they have failed to take appropriate action to rectify the situation. 

I received a copy of my credit report which revealed the following errors : XXXX. XXXX XXXX XXXX Account Number : XXXX XXXX. XXXX XXXX Account Number : XXXX XXXX. XXXX  Account Number : XXXX I carefully reviewed the FCRA, specifically 15 U.S. Code 1681, Congressional Findings and Statement of Purpose ( a ), which emphasizes the importance of accuracy and fairness in credit reporting. Accordingly, I requested the removal of the aforementioned items from my credit report, as they are not associated with me. Furthermore, I provided clear evidence supporting the inaccuracy of these entries. 

Despite my explicit request and the legal obligations outlined in the FCRA, Transunion, XXXX and XXXX has failed to conduct a proper investigation into these disputed items. They have neglected to recheck the accuracy of the entries with the respective creditors who reported them. As a result, these erroneous accounts remain on my credit report, damaging my creditworthiness and violating my consumer rights. 

According to 15 U.S.C. Sec. 1681i ( a ) ( 1 ) ( A ), Transunion, XXXX and XXXX is required to complete a reinvestigation within XXXX  days of receiving my dispute letter. However, they have disregarded this legal time frame and have not provided me with an updated copy of my credit report, as mandated by the FCRA. Furthermore, they have failed to comply with the requirement to send notices of corrections to anyone who received my credit report within the past XXXX months. 

I kindly request your intervention in this matter to ensure that Transunion, XXXX and XXXX fulfills their obligations under the FCRA. I believe their actions constitute a violation of my consumer rights, and I seek appropriate remedial measures to rectify this situation. I request that a thorough investigation be conducted and appropriate action taken against Transunion, XXXX and XXXX for their noncompliance with the FCRA. 

Furthermore, I request that you provide guidance on how I can further protect my consumer rights and seek redress for the harm caused by Transunion, XXXX and XXXX 's actions. I believe that their negligence and failure to comply with the FCRA warrant severe consequences, as this affects not only my financial well-being but also my overall trust in the credit reporting system. 

I appreciate your prompt attention to this matter and look forward to a swift resolution. Thank you for your assistance in protecting consumer rights and ensuring fair and accurate credit reporting practices.
Product: Credit reporting 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. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 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. 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. XXXX, TransUnion and XXXX  are governed by USC 1681. They have violated my rights numerous times. I demand the inquires/accounts below be removed immediately :
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a major error that is linked to multiple negative items being furnished on my credit report. 
XXXX XXXX XXXX is not an establishment that i have ever worked or have any affiliation with. 
this is a clear ERROR or someone elses information on my report. 

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX  has taken or cleaned out all of my funds from my Chase Checking account since, XX/XX/2019. I discovered these multiple, unauthorized 36 transactions on my chase checking account from XXXX in CA of XXXX   text. I contacted Chase Bank Representatives and told them about my unauthorized charges. The Chase Bank Representative looked into the unauthorized charges on my checking account and transferred me to the Claims Department. The Chase Claims Department Specialist filed a claims against XXXX  XXXX. The Chase Claims Department Specialist closed my current chase credit card and put in another new chase credit card to be delivered expeditely. I explained to the Chase Bank Representatives that I never made any purchase nor charge anything with XXXX  on XX/XX/2019. Chase Bank allowed XXXX XXXX to take all of my funds from my chase checking account, which is unethical.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I value you setting aside some margin to CORRECT a portion of the data in my credit document ; notwithstanding, there are still a few records that require UPDATING. Section 609 ( a ) ( 1 ) ( A ) and 611 ( a ) require the 3 credit bureaus to confirm these records ( 1 ). ( A ). I'm confident the contested records are settled. 
XXXX XXXX XXXX XXXXXXXX Balance : {$420.00} XXXX XXXXXXXX Balance : {$6400.00} XXXX XXXXXXXX Balance : {$45.00XXXX XXXX XXXX XXXX XXXX Balance : {$420.00} XXXX XXXX Balance : {$6400.00} XXXX XXXX Balance : {$1400.00} XXXX XXXXXXXX Balance : {$30.00} XXXX XXXXXXXX Balance : {$5900.00} XXXX XXXXXXXX Balance : {$60.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

After Equifaxs data breach disaster in 2017, I froze my credit reports at Equifax and the two other rating agencies. I recently applied for a new credit card. In advance of the application, I unfroze my XXXX and XXXX credit reports, but was unable to do so w

ith Equifax ( details in the next paragraph ). The credit card company used Equifax and tried to access my credit report but could not, and so did not approve the application. Both before and after the credit card application, I have been unable to unfreeze my Equifax report, and indeed have been essentially unable to make contact with a live person at Equifax, as Equifax has seemed to create a process to stifle any interaction with consumers. When I initially tried to log into my myEquifax.com account online, Equifax apparently rejected one or more of the answers to the verification questions, and said I would have to receive a verification code in the U.S. mail and then go through the login process with that code. I received the code yesterday but the website kept rejecting the login attempt, stating it was an incorrect code. I tried calling Equifax this morning. On the first attempt, after 15-20 minutes of voice menu prompts and further verification questions, I could not get through to a live person. I tried a second time and, after another 15-20 minutes of rigmarole, I did get through to someone ; after taking down my name, the Equifax rep. started to tell me something but, the instant I started to ask a question, he hung up ( this was about 15 seconds after, on the second or third attempt, he successfully got my name correct ). I will add that the representative had a thick foreign accent and sounded as if he was in a foreign call center ; if true, that would be very disturbing given the extremely sensitive information Equifax handles and its horrid history of
protecting the data it collects without consumers consent.

Beyond the difficulty Im now having getting my credit card application approved, Im concerned that my Equifax report is now, as a practical matter, frozen in perpetuity with no way to get it unfrozen. Despite the
way it treated users data three years ago, Equifax still makes it virtually impossible for consumers to deal with the company and get matters resolved. Its voice mail system seems designed to make it difficult for consumers to get through to anyone at the company ( if you click a phone key or answer the question vocally too soon, you get booted off the call ), and the telephone representatives are generally uninformed and often have trouble with English ( I know this from a similar episode my husband had about a month ago with his Equifax report ; he, too, had to deal with multiple agents with thick foreign accents, all of whom sounded as if they were in a foreign call center ). For what its worth, I have not had any issues or problems with XXXX  or XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, Someone opened the account on my name in XXXX  XXXX XXXX, XXXX XXXX, XXXX XXXX NV XXXX and also I am got so many credit cards from different big banks on my name mailed to my address I never applied for those. But I am resident of XXXX never opened any account with that bank .I also did police report in the local police station for identity theft. This is happening with me from last XXXX. I tried to contact the bank but now they took some action after so many tries. Someone used that XXXX XXXX XXXX XXXX to take loan and use credit card which the never paid. I came to know about this through my credit karma application. So all the activities related to the XXXX XXXX XXXX impacting my credit score and my credit record. Can you please help me how can I fix this.
Product: Credit reporting, credit repair services, or other personal consumer reports

I bought an item from Monterey Financial and it was 90 days same as cash and I paid it off in one month and they reported it as a charge off because they charged me an extra {$36.00} and I called and complained and they had to correct it and then the correction they consider the {$36.00} that they made a mistake with a charge off and XXXX will not change my credit score to paid in full even after I have sent them all the documentation proving it was paid in full and never a charge off. I have talked to XXXX. They will not change it and have given me the runaround. XXXX XXXX and XXXX, or reporting my credit correctly, but XXXX will not change it no matter how many investigations they have done, and no matter how much information I have sent them to prove my case.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've written to this creditor to inform them that they have placed inaccurate information on my credit report. I've also asked for proof, which I am entitled to, showing that I signed an agreement taking out credit/debt with this organization : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Account number XXXX To date, I have not received proof of signed contract with this company. My last correspondence with this organization was XX/XX/22. Since this time, I have waited over 45 days and they have failed to provide an updated correspondence and proof of re-investigation. This company in fact was in violation of the FCRA when they failed to respond to me within 5 business days to let me know that they were working on a response. 

I am requesting that this account be deleted immediately and that Experian and XXXX update the credit report expeditiously since I have already disputed this item multiple times. I also would like a copy of the investigation that Experian and XXXX performed.
Product: Prepaid card

Have tried making multiple online purchases ( tried different merchants ) with the Amex gift card where the total amount of the transaction is less than the remaining balance on the card. However, I continue to get this message " There was a problem processing your payment. Please re-enter your payment information and try again. '' In my most frequent attempt today on XX/XX/23, the purchase was for {$29.00} and the balance of the card is {$32.00}. 
I have tried calling Amex, but am not able to speak with an individual and get sent in circles.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, I had identity theft reported to me by both opm.gov and XXXX credit monitoring services.  Since then, I have ordered freezes on all credit bureaus, sold both homes because of the ID theft, closed many accounts, and changed my address to a PO box. All accounts currently use the new address and can confirm old addresses.

I have had problems with the last few weeks accessing information on XXXX XXXX, as well as various accounts that provide me with free monitoring services.

I would like your help getting my free yearly credit report from all three bureaus as mandated by law.  

I prefer giving no information to the three credit bureaus, as XXXX has compromised my identity, I have evidence, and will be pursuing that at a later date.  Every bureau has dumpster dove to gather information without my permission or consent, and I do not want to provide them any new information for them to compromise or get hacked.

Please help me obtain my three free credit reports mandated by federal law by either US Post office, or online access.  I prefer you using my state attorney general, local law enforcement, FBI, or some other agency that could protect my identity should further information be required.  My social security number has stayed the same, and my mailing address is updated on every active account.