23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a mortage loan with Essex Mortage for the last month. I have not been able to speak to anyone at the company. I have emailed several times, ive called several time different time of the day. No one answers the phone, there is auto message and then it drops the phone call. I called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I mailed the cusumer care on XX/XX/XXXX, XXXX, I just get a automated reply from the emailes. I used the Fill out the form below to send a message directly to our Servicing Department on the home page and the contant us form in the portal also no response. 

I can not pay my mortage. The website will not allow me to do any one time or recurring payments setu p I get a " Please call us to discuss your loan and make payment ''. Again the automed system hangs up, i cant get anyone on the phone.

Also the website has to update payment history and my payment information is wrong.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  RE : Dispute Of Collection Account TRUEACCORD CORPORATION Dear Sir or Maam, I am writing to formally dispute the collection account listed under your agency. I have reviewed my records, and I believe that this account is inaccurate or does not belong to me. 
I do not recall this creditor, and I believe this account is account to be beyond the statute of limitations. 
Under the fair debt collection act ( FDCPA ), I request that you provide me with the following information : 1. The original creditors name and address.

2. The amount of the debt and a detailed breakdown of how it was calculated.

3. Copies of any documentation or contracts that substantiate this debt.

4. Proof that you have legal right to collect this debt on behalf of the original creditor.

5. Any other supporting information and/or documentation showing that this debt is valid. 



Until this dispute is resolved, and the requested information is provided, I request that you cease collection efforts on this account and refrain from reporting this item to the credit bureaus. 
I appreciate your prompt attention to this matter and look forward to receiving the necessary documentation to verify the debt. 

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

This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXXXXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$170.00} XXXX XXXX XXXXXXXX XXXXXXXX Balance : {$260.00}.
Product: Credit reporting, credit repair services, 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 XXXX  # XXXX, Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX  # XXXX, Account name : XXXXXXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX  # XXXX, 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 : 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: Money transfer, virtual currency, or money service

I had multiple transactions completed that was not authorized by me. On XX/XX/year> {$710.00} was withdrawn from my CashApp account. Another transaction in the amount of {$670.00} and another one for {$420.00}. All three transactions were done throughout the day on XX/XX/year>.
Product: Consumer Loan

My first contact with this debt collector was in being sent a photocopy of a bill from the original creditor. 

I sent them an affidavit requesting documentation from this debt collector showing the contract from the original creditor stating the true and accurate final debt amount owed to the original creditor and stating that this debt collector was given the right to collect the original creditor 's final debt amount. 

The FDCP mandates that debt collectors have 30 days to respond to debtor requests for proof of true and accurate debt information. 

This debt collector did not respond nor provide me with any documentation. 

Therefore, I consider this to be a case of fraud and extortion.
Product: Bank account or service

Citibank charged an overdraft fee of {$35.00} on XX/XX/2015. The account was not overdrawn. See attachment
Product: Credit reporting, credit repair services, or other personal consumer reports

I tried to unfreeze my credit report at the Transunion site ( https : //www.transunion.comXXXX XXXX. When I try to log in I'm told they will email a security code to me. No email arrives. I've tried several times with the same result. 

I called a support number ( XXXX ). Their bot asks me what I'm calling about and then asks if I want to talk to customer service. If I say yes, I'm told they are closed and to call back during business hours. I don't know what their business hours are and they don't bother to tell me. 

I tried with another support number, XXXX. That enabled me to go through a verification process on my phone : they wanted my 6 digit pin, SSN, digits of street address, etc. all of which I supplied. Then I was asked to enter start and end dates for a temporary freeze lift. At the end of that whole process, I was told they can't do it and to call back during business hours. 

All in all, a big waste of time. Perhaps they could enable me to log in with my pin instead of requiring an emailed code. Perhaps they could have a reliable system for sending out required codes. Perhaps they could hire someone to help when it's evening on the west coast? At the very least, they could reveal what hours they are open for calls.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am submitting a formal complaint against Transunion for their failure to comply with the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate and unverifiable information on my credit report. Despite my repeated disputes, they have not properly investigated or removed the incorrect account, violating my rights as a consumer. 
Details of the Account in Question : Details of the Account : Account Name : XXXX XXXX Account Number : XXXX Account Type : Revolving Account Type Detail : Secured credit card Balance : {$150.00} Credit Limit : ( Varies between bureaus - discrepancy present ) High Credit : {$500.00} Payment Status : Collection/Chargeoff Last Reported : ( Varies - discrepancy present ) Date Last Active : ( Varies - discrepancy present ) Date of Last Payment : ( Varies - discrepancy present ) Violation : The credit bureau has failed to ensure the accuracy of the reported information and has refused to delete an unverifiable account as required under the FCRA. 
Failure to Comply : As per Section 1681e ( b ) and Section 1681i of the FCRA, credit bureaus are required to maintain accurate reporting and conduct a thorough dispute investigation within 30 days. The bureau in question has failed to uphold these obligations.

Under Section 1681e ( b ) of the FCRA, the credit bureaus are required to ensure the accuracy of reported information. Since the discrepancies violate FCRA regulations, I demand that this account be deleted from my credit report, not merely updated.

As per Section 1681i of the FCRA, there is an obligation to investigate and resolve disputes within 30 days. If this information can not be accurately verified, it must be removed from my credit file immediately. 
I have disputed this account multiple times and requested its complete deletion from my credit report due to inaccuracies and inconsistencies. However, they have yet to take appropriate action. Their failure to remove inaccurate data has negatively impacted my creditworthiness and financial well-being. 
I am requesting that the Consumer Financial Protection Bureau investigate this matter and hold this credit bureau accountable for their failure to comply with federal regulations. Enclosed are supporting documents, including copies of my dispute letters and credit reports, to substantiate my complaint. 
I appreciate your attention to this urgent matter and look forward to your response regarding corrective actions to be taken for their non-compliance. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

some company deposited a check into my checking account that didn't clear I'm guessing but there was no monetary loss the bank which is XXXX  XXXX XXXX says but still showing suspected fraud with no monetary loss on my chex systems report and I need that to be removed it was not my fault.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  show that account number XXXX has a balance of {$8000.00}, this account is fraudulent charged and I am requesting you to remove this from my credit file, I did not authorize this account to be furnished on my credit file. I need an investigation by your fraud department and get this account removed from reporting on my credit file immediately
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX # XXXX My credit report is showing it was purchased by another lender by this account still showing in my credit report, I contacted the lender and they do not have any information about the account : Account Information * Address XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX * Phone ( XXXX ) XXXX * Date Opened XX/XX/XXXX * Date Updated XX/XX/XXXX * Payment Received {$0.00} * Last Payment Made XX/XX/XXXX * High Balance {$540.00} * Credit Limit {$500.00} * Past Due {$540.00} * Pay Status >Charge-off< * Terms Paid Monthly * Date Closed XX/XX/XXXX * Estimated month and year this item will be removed XX/XX/XXXX * Remarks Account information disputed by consumer ( FCRA ) ; UNPAID BALANCE CHARGED OFF
Product: Credit reporting, credit repair services, or other personal consumer reports

The satisfaction of mortgage for REF # XXXX that was filed with the XXXX XXXX XXXX in XXXX, AL is incorrect. My ex-husband is listed on the document as the Borrower. This is a property that I owned before the marriage and my ex-husband has XXXX interest in the property. My divorce decree is on file with the same courthouse in which the satisfaction of mortgage was filed.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/21 I sent in a FTC report, as the Federal Law tells me to do, Because I reviewed my report and noticed Fraudulent accounts or accounts that dont belong to me. I was told the would investigate. Well its been months. Nothing has changed. I started to do research and found per FCRA 605B All Fraudulent information must me blocked from my credit file. Its bad enough someone used my information, but the worst part is Im stuck trying to prove myself and get my identity back. Its is really sad. Its seems like I need to file a complaint against XXXX Equifax and XXXX with FTC and XXXX. Because Ive never done business these companies or entered into a signed contract with. 
XXXX. XXXX XXXX acct # XXXX XXXX. XXXX Acct # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I've made more than the minimum payment due for these accounts but still incurred XXXX late payments on my credit report XX/XX/2020 and XX/XX/2020. 

I've reached out to XXXX 's to correct their error and no response was given. 
I called customer support and they had me email in my bank statements stating it was an error on their payment activity website. I had Autopay still turned on from my old bank account but continued to make timely payments from my new bank account.
Product: Credit card or prepaid card

Last year I reported to Citibank that one of cards was missing so they closed my account and said a card was on the way but it never arrived. I called costumer service and a person said I should be receiving something in the mail and to look out for it. 

I never received anything in the mail and come the new year I decided to revisit issue of the missing credit card. 

This time the customer service agent said my account was closed and that I would not be receiving a replacement and would be set close upon expiration. When I asked why it was closed they couldnt tell me the reason. I dont have late payments, I havent used my card simply because I dont have a card to use. The most recent attempt to reach out was last week when I wrote a tweet to CFPB and mentioned Citi which prompted someone from @ XXXX to reach out and she was super helpful in trying to find a reason why Im in this situation and she submitted a request to reopen the account. Come today, I receive this response XXXX XXXX, thank you for your patience. I received a notification that the reopen request was denied. The reason for the decision was related to your card yearly review ( card set to expire ). Based on the results of the review, Citi made the decision to not reopen the account. I still find myself confused as to why they have decided to close one of my oldest accounts, with no history of misuse or ever being late with a payment. I simply havent used it in a while because I did not have my physical card.
Product: Debt collection

Date : XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : XXXX Date open : XXXX I have no knowledge of this account I demand it of my credit report.
Product: Money transfer, virtual currency, or money service

I contacted Great Western Bank and they did nothing, so I have filed a complaint with the local police department in Arizona. 

I am providing a large file, which includes documentation and a small document showing my email to XXXX XXXX, the main scammer. 

Please review the documentation and note that there is a similar complaint involving XXXX   XXXX XXXX, but the complaint involving Great Western Bank is for the {$5300.00} and involves money mule XXXX XXXX XXXX XXXX. All this money was wired to the collection of scammers who pretend to be XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Equifax has failed to fulfill their legal obligation under the fair reporting act ( FCRA ) to conduct a reasonable re-investigation of disputed information on my credit report, leaving inaccurate or unverifiable information unresolved. The consumer financial protection bureau ( CFPB ) recently filed a lawsuit against Equifax alleging, systematic issues, such as failing to forward consumer provided evidence to furnishers excepting unreliable responses and failing to adequately notified consumers of dispute outcomes. These failures align with my experience. Where Equifax has neither corrected nor removed disputed items despite the evidence I provided causing ongoing harm to my credit standing I am requesting immediate corrective action to remove or amend the disputed account accounts as Equifax inaction violates federal law and my rights as consumer. Listed below are the inaccurate hard inquires that are a result of ID theft that equifax has failed to remove even after providing supporting ID theft documention. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

My account with XXXX AND XXXX was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Checking or savings account

Chase is beginning to operate as a predatory bank. They have shown no accountability to the things they have done to my account. In XX/XX/XXXX, I made a transfer from my XXXX XXXX XXXX account to my chase account to cover pending transactions and to have money for lunch. I checked my account to make sure the quick exchange transaction went through. From XXXX XXXX XXXX, the account money left my account immediately and the status was processed as in completed. Chase held the funds and did not give me credit for the sole purpose of charging fees. To avoid this, I took precautionary steps. I called and spoke with a manager about the transfer. He could n't understand why the funds were not in the account. I  explicitly explained that I did not want to be charged fees for the funds not being available and asked if I needed to make an additional deposit. The supervisor claimed he called the back office to ensure my funds would be credited. It never happened, he falsely notated my account, and they acted like I never had the conversation. I had to go through so many people to get them to pull the call and reverse the fees. 2nd incident happend in XX/XX/XXXX, when all their systems were down and no one could make a deposit except by going to the ATM. I did not have my card and I tried the quick deposit and branch option, but the computers were not available for the employees to use. I asked what their work around was, no one had one, not even a manager. I called the XXXX number, no access. I then contacted them on XXXX to make sure the same problem that happened in XX/XX/XXXX would n't happen. They assured me no one would be billed fees for this day because of the massage outage. You think Chase reps honored that? No they gave me a hard time crediting their fees even though I went a step further to transfer money to them from XXXX XXXX XXXX to demonstrate my efforts of trying to deposit money. Now, they have cut off my quick deposit due to the 6 fees I collected under their bank error. They keep moving around in circles and it 's inconvenience, and more importantly disrespectful.
Product: Debt collection

This credit card debt is past statue limitation in Georgia, I never had any contact with this company, I just heard about this debt in XX/XX/2024 Portofolio Recover ( XXXX XXXXXXXX ) XXXX XXXX {$5800.00} They are suing me in court for an old debt
Product: Credit reporting or other personal consumer reports

I was notified that Affirm reported my payment as late on XX/XX/2023 via XXXX. As shown, I used Affirms text payment option to pay the minimum payment for this account on XX/XX/XXXX and Affirm reported the payment late on XX/XX/XXXX. I reached out to Affirm for clarification and wasn't given any specifics as to why my payment was reported late after using the text to pay option. Please remove any inaccuracies from my credit report.
Product: Mortgage

My mortgage was sold from XXXX XXXX XXXX XXXX to Freedom Mortgage. 

I believe the transferal of mortgage information including my insurance coverage either wasn't transferred correctly or Freedom Mortgage mishandled the documentation. 
They sent me several letters over the past few months telling me that I am not sufficiently insured for wind damage. And threatened to buy costly insurance in place using funds from my escrow account until I could prove my insurance. 
I responded to the letter via a website provided on the letter where I could upload my insurance information as well as faxed the number on the letter. That was on XX/XX/XXXX. 
Again around XX/XX/XXXX I received a final notice letter telling me I still don't have sufficient coverage. 
I called Freedom Mortgage on XX/XX/XXXX and talked to an insurance rep. She gave me an email to send her the document. She viewed it and said it was the document she needed and that it would be uploaded to my loan. I asked her if there was any chance that I was too late or that I could be charged for the wind insurance through Freedom Mortgage 's insurance affiliate, she said absolutely not and that inquiry would be closed and I would next receive a letter stating so. 

Today I checked my mail XX/XX/XXXX and have a letter dated from XX/XX/XXXX telling me that Freedom Mortgage purchased insurance from me through their affiliate and charged my escrow account {$370.00}.