23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

The following accounts needs to be deleted from my credit report as soon as possible ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts are in direct violation XXXX XXXX XXXX XXXX ( A ) ( 1 ) ( E ) ( ii ) rehabilitation of private education loans these loans have completed the rehabilitation process .
Product: Credit reporting or other personal consumer reports

Ive asked for account validation/somethings showing I open the account etc
Product: Mortgage

XXXX XXXX : NMLS license : XXXX Has been holding the loan hostage to show me she has the control. She has been dragging the loan process out tell they had to re-pull my credit report. XX/XX/XXXX I spoke with XXXX about my loan and he said over the phone they are waiting on the down-payment. I provided the proof of the down payment to the lender and proof where the money came from. XXXX came back in the picture and demolish what XXXX did. It has been 36 working days and she lied and said it was 60 working days. Each time I spoke with her she would be rude and talk to me with her mouth full of food or gum. On XX/XX/XXXX she reverse everything that was agreed on that morning. XXXX would talk over me like a nagging nat while I was explaining to her I sent in the required documents. The Dealer had also sent in the requested documents and she would claim we never sent them in to 21st Mortgage. She would purposely not update the documents that the dealer and I provided. XXXX knows I am active military and XXXX. I since the way she is treating me the disrespect is that she doesn't like XXXX military men. That is why I believe she is purposely dragging the loan out. After I spoke with her she wanted another {$3000.00} dollars for a downpayment totaling {$7000.00}. I complained and it was dropped back to {$4000.00}. I had to reach out to a nonprofit organization for an additional downpayment and she had a bad attitude about me receiving downpayment assistance. 
My income is XXXX  ( XXXX ), XXXX XXXX, plus my wife 's income. We prequalified with them. 
The other thing is 21st Mortgage will not place the correct escrow amount on the documents. ( They claim federal law mandates them to do so. ) Their estimate for me is about 7 years of taxes of what I pay which is school tax. I am tax exempt and they claim they have to charge me the taxes as if I was not tax exempt. Before they told me it was federal law, I was told I had to obtain a document stating how much my taxes were. Then it was that I faked the document. One employee there actually stated that I could fake all my documents and thats why they are not excepting them. That was the other thing that was preventing me from obtaining the loan. I believe XXXX should lose her NMLS license for prolonging my loan process.
Product: Mortgage

I received a Home Affordable Modification from my prior servicer, XXXX XXXX   XXXX XXXX back in XXXX of XXXX. In the agreement, Recital 3 ( c ) of modification agreement, the total deferment amount of {$38000.00} would be waived in 3rd 's on each anniversary of modification XX/XX/XXXX provided that I maintain a current status. The waiver breakdown is as follows ; XXXX XXXX ( completed by XXXX ) XXXX XXXX ( completed by XXXX ) XXXX XXXX ( not completed by SLS ) I never missed a payment. My prior servicer followed through on 2 of the 3 waivers prior to the transfer to my new servicer, Specialized Loan Servicing. My last waiver should have taken place on XX/XX/XXXX in the amount of XXXX however ; my new servicer has failed to acknowledge or address my concern. I have sent another request to the customer correspondence department however has not received a response. This issue has prevented me from refinancing my home and has caused huge delays and costs.
Product: Checking or savings account

XX/XX/year> - I made one purchase at XXXX using my XXXX XXXX  that debits my chime account - temporary Auth was done for {$110.00} on chime account -the total of transaction was {$110.00} XXXX I contacted chime as they fully processed 3 debits from my account in the amount of {$110.00} ( hold that should of fallen off ) + {$110.00} + {$110.00}. They stated filed a dispute. 
- Dispute denied -I filed a dispute with XXXX as directed by chime. Dispute denied as provided in writing my account statement from purchase history showing one transaction on {$110.00}. Also sent me an email they only debited 1 time - bank is the problem. 
-Filed another Dispute with chime including XXXX statement & screenshot of email from XXXX 
-Dispute denied. 
-called chime to escalate further and was told XXXXXXXX was the problem. Directed me to complain to XXXX 
-filed a dispute with XXXX as directed by chime. Dispute denied & provided in writing my account statement from purchase history showing one transaction of {$110.00}. Called on 3way calling with me & chime to attest they only debited 1 time - bank is the problem. Chime needed to refund the other 2 unauthorized duplicate charges. Chime put in a rebuttal again. I asked for a copy of this recorded call- they refused and insisted part of recorded call. 
-Received letter from chime that investigating & put a provisional credit of {$230.00} in my account. 
- I withdrew the money & ending my affiliation with them due to this nightmare -Received a letter stating they did nothing wrong based on their investigation & will be taking the {$230.00} back which has overdrawn the account. They are demanding I pay them the {$230.00} they stole from me in the 1st place & never should have taken.
Product: Credit card or prepaid card

First Progress Platinum Mastercard XXXX XXXX XXXX are issued by Synovus Bank, XXXX, GA, member FDIC - - I've had a secured credit card with them since at least XX/XX/XXXX - with a {$2000.00} deposit - On XX/XX/XXXX I contacted the company about closing the account. They stated they will issue a check for the credit balance on the account- {$1900.00} and mail it to me. Today, XX/XX/XXXX, I am yet to receive a check so I contacted them and now they are stating that they will issue a check by XX/XX/XXXX, XXXX weeks after account closing. I feel that is unreasonable.
Product: Credit reporting or other personal consumer reports

I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by XXXX XXXX XXXX XXXX, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and XXXX XXXXXXXX with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Product: Student loan

On XX/XX/2020 I was contacted by a collection agency about my private student loan. I checked Navient 's website and found my loan was in repayment with the last amount due showing in XX/XX/2020 which was paid. No amount due was shown after this, and with the cares act everything was assumed to be in order. XX/XX/2020 I contacted navient by phone and was told their website no longer updated even though it showed that it had been updated that day and my loan was still showing as in repayment with no amount due. Navient 's collection representative then informed me she had no access to my account other than the balance and that I would have to cl tact the collection agency to pay the amount in full within 30 days. According to the records I have access to on Navient 's website, they have been accepting payments for that account and my account is in good standing. 

Upon checking my credit report, Mavient is reporting my account as delinquent and has been for over a year along with making regular credit Inquiriees without my permission.
Product: Debt collection

I had insurance with XXXX, and cancelled it before it was due again and it was turned over to a collection agency for XXXX and put on all 3 credit reports.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX    XXXX XXXX XXXX XXXX.XXXX. XXXX   XXXX XXXX, XXXX XXXX Thursday, XX/XX/2018 Dear Sir or Madam : The same debt is being reported on my credit file twice. The account numbers are different, but the amount and the original debt is the from the same company : XXXX XXXX XXXX {$690.00}, acct # XXXX XXXX XXXX {$690.00}, acct # XXXX Two lenders own one debt? That seems like a double jeopardy. Whom do I pay off if I owe two entities for the same debt? I've already disputed it with XXXX, XXXX, and XXXX, and still no one is recognizing that the same debt can not be owed twice simultaneously. 

Sincerely, XXXX XXXX XXXX
Product: Credit card

I would like to submit a compliant about CITI card. My card was over charged interest. I called to figure out how the interest was determined and could not get the issue resolved. CITI card is over charging customers.
Product: Money transfer, virtual currency, or money service

On XX/XX/2020 I received a check with the amount of {$2200.00} in the mail from someone who portrayed himself as my supervisor. I was instructed to deposit the check and transfer {$1800.00} through XXXX as a donation to the local foster homes. I did not realize that I had been scammed until I checked my bank account to find that the check had bounced. As a result, my account had been overdrawn by {$1800.00}. I called my bank immediately to dispute these charges.
Product: Checking or savings account

I have been attempting to file disputes for unauthorized charges on my Robinhood debit card for over a year now. Numerous chats have gone either unanswered or Ive been told a specialist will reach out, however nobody ever does. These charges on my Robinhood debit card were unauthorized and I wish to dispute them. I did not approve these charges nor did I have knowledge they were taking place. All of the charges took place at XXXX XXXX / XXXX. The charges are as follows ; XX/XX/1922 {$120.00} ; XX/XX/1922 {$200.00} ; XX/XX/1922 {$200.00} ; XX/XX/1922 {$280.00} ; XX/XX/1922 {$770.00} ; XX/XX/1922 {$400.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$300.00} ; XX/XX/XXXX {$210.00} ; XX/XX/XXXX {$200.00} ; XX/XX/XXXX {$500.00} ; XX/XX/XXXX {$200.00} ;
Product: Credit reporting, credit repair services, or other personal consumer reports

BEFORE I START THIS DISPUTE, I WOULD LIKE TO LET THE CFPB THAT THIS IS NOT A DUPLICATE COMPLAINT. 

MY COMPLAINT IS ABOUT GETTING MY UPDATED CREDIT REPORT SOLEY FROM XXXX AND TRANSUNION. TRANSUNION TOLD ME THAT I CAN NOT OPEN ANY ACCOUNT BECAUSE MY TRANSUNION ACCOUNT IS IN SPECIAL SERVICE DEPARTMENT. I CALLED THEM SEVERAL TIME TO LET ME OPEN A TRANSUNION ACCOUNT SO I CAN MONITOR MY CREDIT SCORE INSTEAD OF GETTING IT FOR FREE FROM ANNUAL CREDIT REPORT WEBSITE THAT DO NOT GIVE CREDIT SCORE A SUMMARY. ITS BEEN ALMOST A YEAR NOW THAT I CAN NOT ACCESS MY ACTUAL TRANSUNION CREDIT REPORT FROM THEIR WEBSITE. THEY ARE VERY RUDE WHEN I'M TRYING DIG DEEP OF WHAT IS THEIR REASONS WHY THEY PUT MY ACCOUNT TO SPECIAL DEPARTMENT? NO STABLE AND CONSISTENT RESPONSE FROM EVERY AGEN I SPOKE TO, INSTEAD I HAVE A RUDE AND ARROGANT RESPONSE FROM EACH ONE OF THEM. FOR XXXX THE SAME REASON, THEY TOLD ME I HAVE A DUPLICATE ACCOUNT BUT THEN THEY DONT RESOLVE THE DUPLICATE ACCOUNT AND I WAS WASTING MY MONEY PAYING MONTHLT XXXX SUBSCRIPTION AND I HAVE NOT RECEIVED ANY CLEAR OR UPDATED CREDIT SCORE. THEY ARE ALSO RUDE AND ARROGANT WHEN I TRIED TO KEEP ASKING WHY I CAN NOT GET AN UPDATED REPORT? AS PER FCRA IT IS MY RIGHT A S CONSUMER TO HAVE OR REQUEST AN UPDATED CREDIT REPORT.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX XXXXXXXX XXXX  reported late payments in regards my credit card that I hold with their company to XXXX, XXXX, and Experian which is a violation of my rights under the Fair Credit Reporting Act. I have made several attempts to resolve this issue with XXXX XXXX, however, the company is not complying. Therefore, in accordance with the Fair Credit Reporting Act under FCRA 15 USC 1681 Section 602 which states that I have the right to privacy. Under 15 UCS 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Lastly, under 15 USC Section 1666B : a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Therefore, I would like all of these late payments removed and my credit profile updated to reflect no late payments.
Product: Credit reporting or other personal consumer reports

Mortgage Company : NewRez Loan Number : XXXX I am writing to file a complaint regarding inaccurate reporting of late mortgage payments by NewRez. Due to some family-related issues, I have occasionally paid my mortgage slightly late, but I have always ensured that the payments were made before the 30-day mark to avoid negative impacts on my credit. 

Here are the key details of the issue : I reside on the XXXX XXXX, while NewRezs processing center is located on the XXXX XXXX. 
On XX/XX/year>2024, I logged into the NewRez online portal and made my XXXX mortgage payment. However, due to the time zone difference, the payment did not reflect in their system until XX/XX/year>2024. 
As a result, a 30-day late payment was reported on my XXXX and XXXX credit reports, even though the payment was made on time according to my local time zone. 
To complicate matters further, I recently discovered that my XXXX report is showing a 30-day late payment for XX/XX/scrub> 2024, not XXXX, while XXXX and XXXX are only reporting the late payment for XXXX. 
I submitted disputes to all three credit bureaus, but they returned as verified, with no changes made. I have also tried contacting NewRez directly, but their loan servicing department does not take phone calls, leaving me with no means to speak with someone about this matter. 

I am asking for a review of this situation, particularly considering the time zone discrepancy that caused the payment to be recorded as late. I have made every effort to ensure my payments were within the 30-day window, and I believe the late marks on my credit reports are unjust. 

This issue is now preventing me from refinancing my mortgage, and I hope that NewRez can work with me to resolve this matter by removing the 30-day late payment from my credit reports. 

Thank you for your assistance.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act.this list of accounts below and more has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.Account numbers with no names. # XXXX, # XXXX, # XXXX, # XXXX, # XXXX, # XXXX a ssi number that ends in XXXX isn't me, # XXXX, # XXXX, # XXXXXXXX XXXX XXXX, # XXXX, # XXXX XXXX XXXX XXXX  XXXX, experian, XXXX has violated my rights ! ! 15 U.S.C 1681 section 2A states I have the right to privacy.15 U.S.c 1681 section 604 A 2 : it also states a consumer reporting agency can not furnished a account without my written instructions. 15 U.S.C 1681c ( .a ) ( 5 ) section states : no consumer reporting agency may make any consumer report contaany of the following items of information any other adverse item of information other than records of convictions of crime which antidotes the report by more than 7 years15 U.sC 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 this goes for all 3 agencies this information needs to be blocked
Product: Mortgage

I have a reverse mortgage with Champion Mortgage. I started the reverse mortgage with XXXX XXXX and was very up front with them about me NOT living in the home, but DO live across the street. I was told 'we'llcross that bridge when we come to it. ' We NEVER came to it. NowChampion wants to foreclose due to me not living in the house. I have been talking to Champion since XX/XX/XXXX to attempt to get this corrected, and everytime I call I get some XXXX new and have to start at square XXXX. Attachedplease find a time line of my contacts the Champion. I do have a cashcontract by way of my broker for {$150000.00}, in Champion 's possessionsince XX/XX/XXXX. Today XX/XX/XXXX I called their 'short sale specialist'XXXX for the second time in XXXX days getting her voice mail asking for areturn call, but that has not happened as yet. I called XXXX XXXX of Virginia and his office contacted HUD and FTC on my behalf. 
I was granted a thirty day postponement on the foreclosure set for XX/XX/XXXX. I have, in my possession as does XXXX XXXX, XXXX appraisals, XXXX from XX/XX/XXXX for {$140000.00} and a second from XXXX for {$170000.00}. Surprisingly the house grew by XXXX square foot in the time between appraisals, without a building permit.
Product: Checking or savings account

I had set up my tax refund to be deposited directly into my XXXX checking account, someone got into the account while my funds were depsoited and used my virtual debit card, after which I had closed the card and opened a new card but they turned around and denied my claim when they never even investigated it. My card was used fradulently and they are denied my claim. The charges disputed were clearly fraud as I myself have confirmed by contacting XXXX XXXX and other merchants that charged my account.
Product: Debt collection

My father signed the document that he would pay for my braces. He was unable to do so and this debt was passed to XXXX XXXX. Instead of contacting my father to collect the debt they have contacted me. 
I have informed them on multiple occasions to contact my father however they have made no attempt to do so and have continued to call me at work and other inappropriate times. 
I also find it suspicious that they have not attempted to contact my father. He informed me that he filed for bankruptcy not too long ago. That bankruptcy would discharge the debt. I suspect that they are attempting to illegally collect the debt from me since I may not have knowledge of the bankruptcy. 
When I informed them of this information and requested they stop attempting to contact me, they put me on hold for 10 minutes while I was at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts currently being furnished on my credit report without my written authorization or consent. Pursuant 15 USC 1681 ( a ) ( 4 ), I have a RIGHT TO PRIVACY as a consumer. Pursuant 15 USC 1681a ( d ) ( 2 ) ( A ) ( iii ), I have the right to have these items EXCLUDED from my credit report as I was NEVER given an opportunity to direct that this information be excluded from my credit report. Pursuant 15 USC 1681b ( a ) ( 2 ), A consumer reporting agency MUST have my WRITTEN consent to furnish an account using my personal identifying information.I never gave EXPERIAN WRITTEN CONSENT to furnish any of these accounts. Federal LAW overrides any company policy. Therefore, I am enforcing my federally protected rights as a consumer to have the following accounts removed from my credit report. XXXX XXXX account # XXXXXXXXXXXX-balance- {$13000.00}, XXXX XXXX XXXX account # XXXX {$31000.00}
Product: Checking or savings account

2 unauthorized / fraudulent atm transactions for {$200.00} each took place on the night of XX/XX/year> with my TD bank atm/debit card. 

Within less than 2 business days, I locked the card and reported the lost card and fraudulent transactions with TD Bank.

Both disputes were denied due to the pin having been entered properly. I explained to the bank that I suspect a store employee or someone else in the store saw me enter my pin before i left/ lost my card and that this is how they gained access to my account. 

They have not returned the funds even though they are legally required to do this since i reported the card lost within 2 business days.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX To : Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX CC : TransUnion Consumer XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Equifax Information Services XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Experian Dispute Department XXXX XXXX XXXX XXXXXXXX, TX XXXX Subject : Formal Complaint Investigation Request Regarding Unauthorized Collection Accounts Dear Consumer Financial Protection Bureau, I am filing a formal complaint against TransUnion, Equifax, and Experian for failing to remove multiple unauthorized collection accounts from my credit report, despite my formal disputes and supporting documentation proving identity theft. 

After being denied credit, I obtained my credit report and discovered the following fraudulent collection accounts that I did not open : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX as evidence of identity theft. Under the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ) and California Civil Code 1785.16.2, I formally requested the removal of these fraudulent accounts. However, despite my dispute, these credit bureaus continue to report the false information, negatively impacting my creditworthiness. 
Additionally, under California Civil Code 1785.25 ( a ), data furnishers are prohibited from reporting inaccurate information. These collection agencies are in clear violation of this law by failing to correct fraudulent data after being notified. The refusal of TransUnion, Equifax, and Experian to delete these accounts also violates FCRA ( 15 U.S.C. 1681i ( a ) ), which requires credit bureaus to investigate and correct inaccuracies within 30 days. 

I am requesting the CFPBs immediate intervention to ensure that all three credit
Product: Consumer Loan

First merit only allows method of payment limited to those that do not have a checking account with them. In the beginning of the loan i opened a checking account which was closed due to i did not always use the account. I opened just so i had a way to make payments online. They offered a {$25.00} bonus check for opening a new account which i was not allowed to receive seeing that my account closed. Now i have to submit my payment by cash only i went in on XXXX to make a payment with {$440.00} for my payment of {$430.00}. The clerk misplaced or took {$200.00} of my payment making me late for the month payment. Advising the bank of the issue they proceeded to tell me that because of the way i look i am not trustworthy. To me this is not the proper way you treat customers and i have advised everyone to stay away from this bank. I feel like i was discriminated against due to the fact that i was a single girl that wears hoodies and jeans and not because i did not go into the bank with a suit on or dress.