23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2017, Equifax discovered a security breach involving extremely sensitive, personal identification information of millions of Americans, including social security numbers, birth dates, addresses, driver 's license numbers, and credit card numbers. I was one of the persons affected. 

While Equifax is indeed a victim of this attack as well, I find it unacceptable that Equifax waited more than a month to inform the public of this breach. This gave the criminals far too long to exploit the information that they stole. They should have acted as soon as possible to inform the millions of other victims of this attack. 

Further, Equifax has set up a system to offer a free credit monitoring service for those affected. Unfortunately they are tying such an offer with a requirement to settle any disputes with them in arbitration, rather than the courts. Having a day in court to settle grievances is a fundamental right of every American. I believe that this is a tactic that Equifax is using to limit their liability and/or to limit the amount of monetary penalties that they must pay for any wrongdoing that future lawsuits may find that they are responsible for. 

Finally, I wonder how such a breach occurred, what could have been done to prevent it, and whether or not Equifax did take every reasonable precaution to prevent these sorts of attacks. I believe that an investigation should be conducted by law enforcement or lawmaking bodies such as Congress to determine the answers to these questions.
Product: Debt collection

My debit card had a balance of {$0.00} in which it wouldnt have been charged from what I was told. I then didnt think I was going to be charged for anything I registered the card to be charged for but XXXX XXXX XXXX had decided to withdraw a total of {$490.00} for a one month payment which shouldnt have ever been processed but somehow was. This was a total scam on both ends of the bank and phone service, which I then cancelled n the card was then cancelled by the bank
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting wrong credit score.
Product: Mortgage

On XXXX, 2016 I contacted Citimortgage and asked for a payoff on my mortgage # XXXX. I was told the payoff good thru Friday XXXX XXXX, 2016 would be XXXX. On Tuesday XXXX XXXX, I tried to pay off the mortgage via on line banking, but my bank wo n't allow more than XXXX dollars to be paid on line. So on Wednesday XXXX XXXX, 2016 I went to the bank to get a Cashiers Check to pay off the loan. The Agent at the bank suggested that instead of sending a Cashiers Check that I would be better off just sending a personal check for the payoff amount. I sent my check # XXXX to the address on my payment coupon from Citimortgage. Their address is XXXX. XXXX XXXX, XXXX, Az. XXXX. That payoff should have been in their hands by Friday XXXX XXXX 2016. As of today, XX/XX/2016 my check has not been cashed. I spoke to someone in Customer Service with Citimortgage at XXXX around XXXX and they told me they had not received my payoff. I asked them to call their XXXX office but they refused, telling me they had no way to contact that office! While this drags on I am being charged daily interest on the mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently just checked my credit report and XXXX and XXXX has ceased all credit reporting back in XX/XX/2021. Experian has still not deleted it off my credit report. please see proof of deletion on complaint number XXXX
Product: Debt collection

XXXX XXXX through RSI debt collection is showing I owe a best of {$1100.00}. This was paid in full by my health insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX My Current Street Address are as follow XXXX XXXX XXXX XXXX 
XXXX SC XXXX After reviewing my credit report, I have found numerous inaccurate names, aliases, and addresses that do not belong to me. I want to ensure that you are only retaining and reporting true, current, and accurate information on my credit report per FCRA regulations and I demand as my lawful right, for any names and addresses other that what I have listed above and below be removed immediately as they are not accurate and untrue. 

I have tried numerous time to have this address remove from my credit report XXXX XXXX XXXX XXXX XXXX SC XXXX
Product: Credit reporting or other personal consumer reports

I have disputed accounts that were inaccurate as permitted under the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, This reporting is inconsistent with the FCRAs provisions, particularly Section 623, which requires furnishers to provide accurate and complete information to credit reporting agencies.

Under the FCRA, Section 605 ( a ) ( 4 ), negative information like charge-offs must be reported accurately and must not be duplicated or misrepresented. Reporting a charge-off for multiple months as if it were a recurring event is misleading and could be construed as inaccurate reporting. A charge-off is a one-time accounting action and should not be listed repeatedly for the same debt. 

Additionally updating accounts open dates to more recent dates shows inaccuracy. The date the account open and close should be accurate and not updated to show false data. 

No changes for the mistakes were made and I was not given verification on where this information was coming from.
Product: Money transfer, virtual currency, or money service

I made a manual transfer to my XXXX XXXX XXXX bank account from the XXXX money net card on XX/XX/year>. I have called numerous times. First they asked me to give it time to show on my ac out. Then to file a despute. So I did. Despute was denied, so I filed an appeal with bank statements showing there no transfer went in. Still waiting on status of that appeal. No o e can tell me what account number or bank that {$1000.00} transfer went to. I am beyond frustrated since this is my XXXX $ $ and have no other sources of income. Please help me get answers since no one that answers money net calls have answers to my questions. I'm so close to eviction I don't know what else to do. It's been 2 months and all I get is the run around. Please help me CFPB
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that XXXX out of XXXX of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these inquiries. It would mean a lot to me if you could assist in removing the following from my credit report. these are the inquiries : XXXX Date of inquiry : XX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

It 's been 11 yrs that I have had my car and it 's still showing on my credit report. I have mailed out two rounds of 609 letters certified. It has finally come off of my XXXX report but it 's still showing on XXXX and XXXX. It 's been more than 7 years since my first delinquency so why is this still showing? At one point it was in repo but then was redeemed. I just mailed out a third round of 609 letters today with possibly taking Ford to small claims court over this non removal. I should n't have to go through this. One credit bureau has already complied. What 's the problem for the other two bureaus? Please fix so I do n't have to take this to litigation.
Product: Credit reporting or other personal consumer reports

XXXX has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers to dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate action to remove or amend the disputed accounts, as Experian inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX XXXX, Equifax XXXX and XXXX RE : Notice of Claim and XXXX Financing Statement Dear XXXX XXXX XXXX Equifax XXXX and XXXX I XXXX XXXX XXXX and XXXX XXXX XXXX am XXXX XXXX inform you that I have recently completed the process of becoming a Secured Party Creditor, as established by my filing of a XXXX Financing Statement with the Florida Secretary XXXX State, filing number XXXX ( XXXX ). 
As the XXXX XXXX, I hereby claim a security interest in all property and collateral associated with the DEBTOR ( XXXX ), XXXX XXXX ( hereafter " Debtor '' ), including but not limited to all present and future property, accounts, and proceeds thereof. 
Enclosed, you will find a copy of the filed XXXX XXXX XXXX for your records. This notice serves to inform you of my secured status and to assert my interest in all claims, debts, and obligations owed by the Debtor. 
I hereby demand that all claims, notices, and communications regarding the Debtor be directed to me as the Secured Party at the above address. Furthermore, any attempts to collect on alleged debts or obligations without recognizing this secured interest will be considered a violation of my rights as the XXXX XXXX. 
Please acknowledge receipt of this notice within 30 days. Failure to respond will be taken as acceptance and agreement to the terms set forth herein. 
Sincerely, XXXX XXXX XXXX XXXX, Secured Party ( XXXX ) All Rights Reserved, Without Prejudice
Product: Debt collection

i XXXX l XXXX am desputing the responce machol johannes submitted to you on my complaint to you case no XXXX i recieved a letter from on XX/XX/XXXX XXXX they claim on the letter that the attorney 's on this case have reviewed and investigated MS.Trujillo 's comlaint and allegations.there are wrong, this are not allegations, this are facts, that iam asking for 3 monthes to tell me what this judgment is about, a loan, acard, acar loan, give me the proof, and we can start negotiateing or working something out and get this problem taken care of. before i loose my house, they just say you have a judgment against you and you us {$6.00} or XXXX, no body will tell me or give me proof its mine instead of all this sneeky stuff.it says here in this letter they reviewed my claims, i do n't have any claims, they reviewed my file, unless iam wrong the only thing on the file is, you have a judgment, filed filed in XX/XX/XXXX, and XXXX they reviewed the complaint eith there client, thats another thing i do n't know who the client is because i talked to advantage XXXX times yhey told me they no longer involved in the case,, then they claim they send a copy of judgment on XX/XX/XXXX, i do not know any thing about that.then it says the return of service is not currently available. something wrong there/and then something about the consumer was sub served.XXXX accepted service XXXX XX/XX/XXXX, i do n't know where they got XXXX from, and thenthe sommons and complaint were mailed on XX/XX/XXXX. the first yime i heard about this judgment was about XX/XX/XXXX, and what i know i about this is nothing,? the next it says that i filed a motion to set aside judgment, they used that excuse to have another hearing on XX/XX/XXXX. then it states we invite ms.tocontact us but when to talk they did n't have all the info. E.T XX/XX/XXXX
Product: Debt collection

I held one particular XXXX XXXX account since XXXX, that has a {$30000.00} credit limit. In approximately XXXX__ I guaranteed a credit card for a corporation that could eventually had difficulty making payments on time and during the merger in XXXX/XXXX. for XXXX XXXX, XXXX could not find that account at all. At that time, XXXX XXXX cancelled my personal credit card that was in good standing and had been in place for almost 17 years. In addition, XXXX XXXX began to charge a penalty interest rate of 29.99 % making the interest payments on this debt almost impossible, let alone payments to the principal. Many attempts were made to contact XXXX XXXX but to no avail. Multiple collectors from XXXX call my work several times a day, using aggressive language and tactics with me, my assistant and the receptionist. They have called my son. Attempts continue to be made directly to XXXX XXXX to resolve the issue and get on a reasonable principle and interest payment amount, but nothing gets resolved. They continue to harass me, destroy my credit rating and refuse a resolution.
Product: Credit card or prepaid card

To whom it may concern : I in good faith filed out an application for Chase Credit Card through the Marriott website for personal, family, and household use on or about XX/XX/2022, pursuant to 12 CFR 1002.2 ( f ). On XX/XX/2022, they denied my application and sent me an adverse action letter pursuant to 12 CFR 1002.2 ( c ). I provided the same account information ( pursuant to 12 CFR 1002.2 ( a ) ) as every approved applicant they have, but they discriminated against me by denying me an extension of my own consumer credit pursuant to 12 CFR 1002.2 ( h ), 12 CFR 1002.2 ( n ) and 12 CFR 1002.2 ( e ). As an aggrieved applicant, their denial is causing me significant harm ( 12 CFR 1002.7 ( a ) ). 

I am requesting a copy of their self-testing and self-correction pursuant to 12 CFR 1002.15. I am also requesting all documentary evidence to ensure they haven't sold my application or pooled it to purchase financial instruments in my name pursuant to 15 USC 44 and 17 CFR 229.1101 ( c ) ( 1 ). 

XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/2018 XXXX XXXX. announced its U.S. Commercial Firearms Policy which will have the effect of preventing me from purchasing legally available firearms accessories and prevent US citizens under the age of XXXX from exercising their Constitutional Rights. The Policy has the ability to stifle free trade and hinder commerce especially of firearm manufacturers and dealers.

I fear this policy could be the the first of many that would hinder commerce of many sectors of the business community as Citigroup attempts to impose its definition of " best practices '' on US industry.
Product: Mortgage

Bank of America continues to make errors on my monthly statement and activity on my HELOC with them. 
On XX/XX/2020 B of A properly deducted the required monthly payment for the loan from my checking account. However, B of A did not apply the payment to my outstanding balance. It is left in an account called " unapplied funds ''. My principal balance was not reduced. 
I have been reporting these problems to B of A since late XXXX and while they have corrected the previous 5 errors of this nature, they are continuing to make errors with XXXX regard to the customer. 
I have spent countless hours calling, writing and emailing them only to have the same problem occur again.
Product: Credit card

2012 I received a XXXX for cancellation of Debt. I paid income tax on the owed amount. As of today, the original owed amount is being reported monthly on my credit as amount owed. this is ruining my credit and preventing me from obtaining a mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a chase bank account and after few days, I have seen a decrease in my credit score. I contacted the bank regarding this and they didnt respond well to my question. Im very sure that I did not apply for any credit card from JP morgan chase bank. I saw a hard enquiry and my score went down by XXXX points on XXXX XX/XX/2021. Also very recently I approached XXXX XXXX to purchase a car and I asked them is it possible for me to get a loan. The sales representatives told me that they would he doing credit enquiry to finance me. They checked for several time and brought my score down from XXXX. Kindly help me with this. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have previously disputed the multiple violations per the FCRA for inaccurate information being reported, Furnishing and Reporting Old Information, Furnishing and Reporting Inaccurate Information, Failing to Follow Proper Procedures, The CRA must conduct a reasonable investigation.Clearly my rights a consumer continue to violated. 
I am making factual disputes. 
2 accounts XXXX XXXX XXXX acct # XXXX XXXXXXXX XXXX XXXX Exhibit A. ( Current Equifax report XX/XX/XXXX ) XXXX XXXX XXXX acct # XXXX is in violation for reporting inaccurately. 
( 1 ) This is not an open ended collection account. 
( XXXX ) payment history is reporting inaccurately ( currently showing payments made XXXX, XXXX, and XXXX XXXX it shows 0 % of this account is paid off. That doesnt make any sense. 
( 3 ) The balance transferred from XXXX XXXX is inaccurate. 
( 4 ) First date of delinquency per XXXX XXXX and XXXX XXXX the first Date of Delinquency is XX/XX/XXXX. which means the statue of limitation has exceeded ( Exhibit B attached payment history from XXXX recieved from XXXX XXXX. 

XXXX XXXX XXXX ( XXXX ) reporting payments made in the XXXX which is not accurate. 
( XXXX ) XXXX XXXX has incorrect orginal balance I have complaints that date back to XX/XX/XXXX with confirmations listed below from Equifax stating this accounts are accurrate and verified. Please see list below : Confirmation # # XXXX Item reported on XX/XX/XXXX XXXX item reported in XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX Item reported on XX/XX/XXXX XXXX XXXX shows a 1 date of Delinquency of XX/XX/XXXX when clearly that is inaccurate as well. ( see Exhibit B ) Exhibit D XXXX reported date of first XXXX as XX/XX/XXXX XXXX
Product: Mortgage

XX/XX/2018 marks the anniversary of the successful completion of my loan modification with Nationstar aka Mr. Cooper. Part of the completion of the loan modification the on going late fees should have been removed and or not charged. They claim I owe {$740.00} in late fees however I disagree.
Product: Credit card or prepaid card

In XXXX I did not pay the full balance of my credit card, so in XXXX I had and interest charge. I then paid my bill in full including the interest. There were no late fees because I paid more then the required amount asked for. In XXXX My statement had an interest charge on of {$13.00}, I called the credit card company ( Chase ) to discuss this, as I paid my bill in full and on time I wanted to know what I was being charged interest on. I was told because I didn't pay my bill in full in XXXX the interest carries over for two months. I wanted to know if I carry a balance on my card do I pay double interest all the time, and was told I have to have my bill paid in full for two months to not have interest charges. The representative could not answer my question on what I was being charged interest on nor if people are paying twice the amount of interest as told upfront. Is this the Banks way of charging double the interest, from what they advertise? The rep could not answer my question. 
I also noticed XXXX XXXX  XXXX did the same thing. I always try to pay these cards off every month in the off chance I don't I would like to know what my true interest rate is. 
I would like to know if this is legitimate? 
Thank you,
Product: Mortgage

Please see the attached detailed narrative in RESPA complaint filed with the mortgage servicer
Product: Money transfer, virtual currency, or money service

I am a customer of PNC Online Banking and have signed up for XXXX but the The App will not link to my bank account
Product: Mortgage

Select Portfolio Servicing ( SPS ) charges a {$15.00} processing fee for every payment made on my mortgage loan, which I feel is unnecessary and excessive. SPS justifies this by offering the ability to mail a physical check or set up autopay instead. Mailing a physical check only serves to shift the cost from fees to postage instead. A box of checks is anywhere from $ XXXX {$100.00} and postage is incurred with each mailed payment. Autopay is not ideal in that it does not take into consideration potential timing differences. For example, the timing of when wages are deposited into a personal checking account may differ from when SPS processes the loan payment surrounding banking holidays and non-business days. Autopay also does not allow discretion when it comes to additional payments to principal or escrow. This directly contradicts my loan which states that I have the right to make additional payments to principal " at any time before they are due ... without paying a Prepayment charge. '' I am discouraged that I am unable to conveniently make payments without incurring costly processing fees.
Product: Mortgage

Both my deceased husband and I have asked every company, like Green Light for information about reverse mortgages. We then later found out that people who were with Green Light were loosing their homes ; frantically scared we immediately changed to XXXX Mortgage. Once in XXXX Mortgage, we were promised from the beginning that if anything happened to my husband I will be granted to stay a year in our home. An agreement that we had was for a free consultation, which failed to happen. My husband has since passed away, and XXXX Mortgage transferred the mortgage to Champion Mortgage. I have called for months on end for the MOE Assignment to be transferred to the HUD, yet no one has returned my phone calls, leaving my house to foreclosure. I was given an extension of two 6 months, totalling for a year. I had continued calling the companies in order for the extension of 6 months to go through, but the companies who are assisting this case are not properly following steps for it to take place. Thus leaving me helpless. I was never sent any papers, and the price of the reverse mortgage is extremely high. I was never told there was going to be a lean in the house as well as that when my husband passes I 'll have to pay {$1000.00} each month. I 'm having to spend extra money for legal assistance, I 'm desperately seeking help on this case in any way/ I feel very discriminating as an individual having to go through such things with no help.
Product: Credit reporting or other personal consumer reports

I am filing this complaint to bring to your attention that TransUnion is unlawfully reporting fraudulent accounts on my credit report. These accounts are the result of identity theft and should be permanently blocked and removed under the Fair Credit Reporting Act ( FCRA ) 605B ( 15 U.S.C. 1681c-2 ) within 4 business days of receiving this complaint. I have attached a copy of an FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all the aforementioned accounts are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting an unauthorized inquiry from a company I have not done any business with called XXXX XXXX XXXX. I reached out to equifax to remove the item with no avail. Date of inquiry was XXXX 2023.