23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

There never was any proper chain of title which I now have proof of and in XX/XX/XXXX I received an IRS form XXXX for XXXX from the " servicer '' with an open loan number and zero owed on the principal balance of the home yet I was unlawfully foreclosed on XX/XX/XXXX?? They never applied the insurance from my husbands death until XXXX after a letter was sent to the Colorado Insurance Commissioner?? My husband passed XX/XX/XXXX and they were fully aware of the insurance which I also have proof of. I have so many documents of the corruption and theft of my home! I fully expect justice to be done and my home returned to me and punitive damages to be paid! 

I have a series of events and all documentation of any and all allegations.
Product: Payday loan, title loan, or personal loan

I worked with a debt collection company and paid off the balance owed to the company, but they are still emailing me for payments.
Product: Credit reporting or other personal consumer reports

Good day, please read this complaint seriously and see the attached file. It's been such a long time that I have been trying to fix the errors being reported on my credit report, but to no avail. My requests to correct this incorrect information kept getting ignored and I had enough. This has affected all aspects of my life negatively ; it's taking a toll on my mental health that I wouldn't even be able to afford help because of my low XXXX XXXX due to these errors.
Product: Credit card

I've always ensured that payments on this account are made on time, never letting them become overdue. I'm unsure why there are reports of late payment remarks on my accounts. As per 15 USC 1666b - Billing Error, this should be corrected.
Product: Consumer Loan

Quite simply, I authorized a transaction to Honda Financial Services for my monthly payment in a timely fashion. I posted this payment on XXXX XXXX, 2016 and it cleared my bank ( XXXX ) on XXXX XXXX. My payments are due on the of each month. 5 days later, Honda Financial posted another transaction of XXXX to my checking account without authorization. They claim it to be a " glitch '' but they do not realize that this XXXX over drafted my account. It 's not about the fee! They have denied me access to my own funds through an unauthorized transaction, however long that may be for. This is clearly a violation of my lease agreement. I have paid on time, every month. Doing business with an institution like this ( who violates their lease agreements ), is not in my best interest as a consumer. I wish for any action to be taken to terminate this lease as I do not wish for Honda benefit from hard working, bill paying American citizens.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my credit report, its been well over 30 days and no results. 

XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XX/XX/2021 XXXX XXXXXXXX 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 EQUIFAX XXXX XXXX EQUIFAX 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: Debt collection

PORTFOLIO RECOVERY calls 2 -3 every other day but never leaves a message. I looked them up on the web site XXXX and the consumers complaints are that they are a debt collection agency. I have no debt that I owe anyone. Their phone numbers changes every time they call so it 's impossible to block their calls. I 'm frustrated with all the scam/fishing calls I continuously receive every day. When is the government going to start making examples of these companies that completely ignore the Do Not Call registry?
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. XXXX and TransUnion are required to authenticate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : 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: Mortgage

Usually the mortgage company sends me statement of monthly mortgage payment every month, and I send a check in the exact amount accordingly. In XX/XX/2021, I did the same thing I used to do but I was charged late fee in the amount of {$46.00}. To be exact I sent ( actually mailed it ) check in the amount of {$1100.00} on XX/XX/2021. When I knew I was charged late fee, I called the company and explained the fact of the matter, but the company did not want to accept my explanation. 

According to the company 's policy mortgage payment made after the XXXX of the month would be assessed late fee, but the fact is that I was not late. 

In XXXX of this year, the company sent me a letter stating that my house was under foreclosure process because of none payment of mortgage. I called the company and asked what was going on Their reply was " the letter was not supposed to be sent to you, you are fine, just disregard the letter. '' I think something is wrong this time also, and I was not late in my mortgage payment to be charged late fee.
Product: Student loan

I applied for the SAVE program which is supposed to write off interest that is incurred after the monthly payment amount is paid. That is not happening. Basically all that is happening is that my payments are mostly going towards interest while my over all balance isn't decreasing. How is this helping me reduce the cost of my education?
Product: Credit card or prepaid card

Unable to access my financial data through apps or internet. Capital one is blocking it.
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. has violated my rights.

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, 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 and crimes which antedates the report by XXXX  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
Product: Payday loan, title loan, personal loan, or advance loan

A few days prior to the XXXX of XXXX i enrolled in the app Flex Rent to assist in paying my rent. What they advertised was that they split your rent payment up over the course of the month allowing you to not have to pay all at once. I went ahead and paid more than half of my rent to them. A little over {$1100.00}. They said they would pay my rent in full. This never happened and there is absolutely no way to contact anyone at this business. Now they have my money and my rent is late and im incurring fees. I have done everything i can to reach these people. I have even contacted the bank they use thats listed on their site. NOTHING WORKS!! This is so awful and now im so desperately looking everywhere for help. I just want my money back and the fees paid so i can pay my rent and move on from this. I have done my own research and have found that this is an habitual thing for this business. They are hurting people so badly and have no care in the world.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies on my credit report related to identity theft. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). 

Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notifi
cation, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case.

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX TransUnion XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. TransUnion LLC ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I discharged  my XXXX XXXX Credit card {$9000.00} with my XX/XX/2021 bankruptcy, but it is showing that it is in collections and was not discharged as it should have been.
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. 

Account Name : XXXX Account Number : XXXX and list of Inquiries. 


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 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXXXXXX and stopping me from getting this XXXX XXXX n now XXXX XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX now
Product: Payday loan, title loan, or personal loan

XX/XX/XXXX I requested a copy of my contract to calculate changes in the contract per my request. I requested Conns ' to remove all warranties from each product, credit life insurance, and property insurance. I provided them declaration page of renter insurance to remove credit life insurance and property insurance. They informed me it would take 21-30 days to update. I then receive email confirmation it was removed. I notice they indeed it was removed all the insurance and warranties for each product. However, the sale tax for the original amount paid was still the same. The amount of finance was still the same. I email them to ask when will they adjust my account, their response is they never dealt with a situation like this before. that was almost 90 days ago we are in the whole new year XXXX.
Product: Credit card or prepaid card

I have a Chase Freedom Credit Card and received a credit refund of {$5400.00}. I called the company around XX/XX/ and requested that the money be transferred to my checking or savings. I was told that I would receive an e-mail or a check in the mail with the refund to deposit it. I called around a week later and was told my check is still processing and it would take 7 to 10 business days. I called again on XX/XX/ and asked for my refund and was told I would receive an e-mail. I never received email. I called today on XX/XX/ and was told that since I called more than one time asking about my refund that they reset my request and prolonged my refund now I have to wait up until XX/XX/ to receive my credit refund. I was never told this the first 3 x I asked for my refund.
Product: Debt collection

On XX/XX/year> I received an email from a company called, XXXX XXXX XXXX XXXX XXXX. They are stating I have a balance owed of {$1300.00} with XXXX. The creditor they are collecting for is Jefferson Capital Systems which is a creditor I have previously had try to collect funds from me that were not owed. XXXX XXXX # is XXXX. I have not been with XXXX in over 10 years and when I left their company, I did not owe them anything. This is a company trying to get funds that are not owed to them. Phone # for XXXX is XXXX. Address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.
Product: Money transfer, virtual currency, or money service

I have been living in XXXX XXXX since XX/XX/year> and in XX/XX/year> I married XXXX  Woman there. I spend 9 months a year there and 3 months stateside. I have kept all my banking stateside. I use my debit card to make withdrawals from ATMs while I am there, and when I am stateside, I send money to my wife via Western Union or XXXX XXXX I have done this for 7 years with no problems. The amounts were usually between $ XXXX, for living expenses. We also take care of her elderly parents, who are very poor. I arrived here in late XXXX and in XXXX I attempted to send my wife money at XXXX via XXXX, but they said my account was flagged. I asked them to try XXXX XXXX, they said it was also flagged. 

After being told my account was flagead, I contacted my bank and debit card company. Both said they did not have a block on it. I contacted the XXXX  XXXX XXXX XXXX, who said they had never heard of such a thing. Western Union said to file a Fraud report, so I did with the FBI. 
Any help would be much appreciated.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX and Transunion still will not comply with the removal of all discrepancies and collections from my accounts per listed Laws. 

15 USC 1681i ( a ) 1 15 USC 1681i ( a ) 6 ( B ) 3 15 USC 1681i ( a ) ( 5 ) B I have been a victim of Frude with all three reporting agencies.
Product: Credit reporting, credit repair services, or other personal consumer reports

My home mortgage was refinanced with XXXX XXXX XXXX back on XX/XX/2018 and previous mortgage creditor XXXX XXXX XXXX, XXXX is still showing a balance of {$81000.00} on my credit report currently. Showing as if I have 2 mortgages open and I do not.
Product: Credit reporting or other personal consumer reports

I recently pulled credit report there were incorrect addresses that didn't belong to me. an inquiry that I didn't authorize anyone to pull my credit.
Product: Vehicle loan or lease

I took partake in a consumer transaction that lead to being a fraud contract. The truth in lending act was clearly violated. I bring this to ther attention and instead they repoed the car which is my collateral due to a breach in contract Consumer law states ( 2 ) Within 20 calendar days after receipt of a notice of rescission, the creditor shall return any money or property that has been given to anyone in connection with the transaction and shall take any action necessary to reflect the termination of the security interest. If the creditor has delivered any money or property, the consumer may retain possession until the creditor has met its obligation under paragraph ( d ) ( 2 ) of this section. When the creditor has complied with that paragraph, the consumer shall tender the money or property to the creditor or, where the latter would be impracticable or inequitable, tender its reasonable value. At the consumer 's option, tender of property may be made at the location of the property or at the consumer 's residence. Tender of money must be made at the creditor 's designated place of business. If the creditor does not take possession of the money or property within 20 calendar days after the consumer 's tender, the consumer may keep it without further obligation.

This is what Im asking by law my down payment back my security interest my collateral which is my vehicle and a vehicle is sold I would like the total value of the car given to me.
Product: Payday loan, title loan, personal loan, or advance loan

I took out a personal loan with XXXX by Goldman Sachs in XXXX of XXXX. I was current on all payments when the loan was suddenly sold to XXXX and XXXX XXXX XXXX XXXX in XXXX of XXXX. After the sale and subsequent consumer notice, I was unable to access any information on my loan from the XXXX XXXX XXXX and had to work through XXXX for all account statements, payment, and payoff information. 

Upon notice of this, I paid off the loan, at XXXX, immediately. My balance was {$0.00} at the end of XXXX, and no statements were generated. 

As of XX/XX/XXXX, I noticed that the XXXX account XXXX still displayed as 'open ' in my report with all three credit report bureaus. I filed disputes with all three indicating the account was sold, and that it should be showing closed. In all cases, XXXX XXXX XXXX to the credit bureaus showing the account should remain open with the same balance as when the loan was sold. There have been no subsequent payments or late assessments to the account- it has just stayed stagnant on my profile. 

In certain cases, a similar account was opened with XXXX in XXXX of XXXX on my credit profile, showing the amount of the loan balance at sale. Some of those have subsequently closed. This indicates that the loan did indeed transfer entities, and XXXX XXXX not file the appropriate paperwork with the credit bureaus to show the closures when they offboarded the loans. And further, upon inquiry from the credit reporting agencies, they again confirmed that they believe the account should reflect as 'open '.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have informed XXXX several times that I had a payment plan for the date of XX/XX/2016 and yet they still report to the credit agencies that this was a late payment.
Product: Credit reporting or other personal consumer reports

I reported that I am a victim of XXXX XXXX and they refuse to remove accounts from my credit report according to the FCRA and the DVRA they have 4 days to remove the reported items
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted letters to al three Credit Bureas requesting that the initial alert, security alerts, and fraud alerts be removed from my credit report as they are causing me not to get pre-approved for credit products that I have interest in.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering items when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying items recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
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: Money transfer, virtual currency, or money service

Hi, I am a Bank of America customer for the past 20 years and today I went to the Bank of America location at XXXX XXXX XXXX XXXX, XXXXXXXX XXXX for notary services. The documents were closing documents for a property I have in the state of XXXX. The senior manager at the bank refused me services and told me that she could not notarize the documents since the documents stated " the state of XXXX '' which did not make sense. She could have easily struck a line and add Florida and notarize the documents. Instead I had to go to a notary office a block away and pay XXXX dollars for XXXX notary stamps. 

She then calls me back after I paid the outside notary to come back and she will notarize. This was completely unprofessional especially given that I have been a faithful customer for over 20 years. What benefit is to me to continue to bank with you guys if I have to go elsewhere and be charged for services. I am completely disgusted with the manager 's behavior. I would like a call back to discuss this unpleasant issue. 

Thank you XXXX XXXX