23daVinci/CFPB_Complaints huggingface dataset:
Product: Bank account or service

This bank took {$180.00} from my account for fees that I should have not been penalized for when the original account was supposed to be closed due to fraud. I agreed that I would pay the penalty of {$67.00}, but the bank only offered to give me {$92.00}. I think that this is unfair because they did not call or even send an email about the money was being removed from my account. Since the bank has done unfair practices to me I would like everything back except {$31.00} for a charge that came through after I was told the account was being closed. 
I would like the remainder of my money back which is {$65.00}.
Product: Credit reporting or other personal consumer reports

I am writing to request the deletion of an account from my credit report. The account with lender name XXXX XXXX XXXX  ( account number XXXX ) was sent to another bureau and I have paid it in full to XXXX XXXX ( account number XXXX ). 

Please remove the aforementioned account from my credit report. 

Thank you for your assistance.
Product: Money transfer, virtual currency, or money service

Cash app allowed {$500.00} fraudulent transaction from my chime bank account to a fraudulent XXXX imposter none of the parties would help they investigated the matter in XXXX minutes and said they could not help me. That was 3 years ago
Product: Debt collection

The original company sold my debt to another company without properly notifying me.There has been a breach in XXXX and my social security number was compromised.I would like XXXX XXXX XXXX XXXX To remove this false debt from my credit report and to report to the company that has the promissary agreement to cancel the agreement due to arbitration.1681 15 USC
Product: Debt collection

False debt collection / credit agent scam / threat to have my personal information I received debt collection from this company ( " credit management LP '' XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ) that I own XXXX communication bills. I called XXXX  to check if I actually own any bills but apparently NO. I called this credit agency to ask for this debt collection information and they keep threating me to give them my identify information and I refused. After contact the XXXX  and they told me no debt was found under my name, I realized this credit agency is a scam. And there are many victims had the similar experience under this company 's XXXX review. Now this debt collection has showed on my credit report and affected my score. Please help to contact them, this is not OK to put false collection and keep threating me to give out my personal information. Need this collection to be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I submitted a notice of dispute directly to your company because I was unaware of multiple collection accounts on my credit report. On XX/XX/XXXX, I received a response from your company verifying my disputed information as accurate, However, I do not agree with that and I am demanding a reinvestigation. I am disputing under the FDCPA, Because I dont recall receiving any initial communication from any of these companies or my notice of debt contents from any of these companies pursuant to section 809 of the fair debt collection practice act. I am demanding the company provide me with proof of initial communication and proof of delivery of my notice to debt contents PRIOR TO furnishing this negative information on my credit report before the completion of this 30 day investigation. The company can send proof to my address written above. If the company can not provide me with my requested demands before the ending of this 30 day investigation I need you to delete from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no choice but to continue my protest against a licensed lender throughout the United States that brokered a deal in my home state of New York, serviced the account until I defaulted, then the loan originator XXXX XXXX sold it to a third party. A copy of the XXXX XXXX XXXX assignment is attached, along with a copy of the default judgment. The account was settled for {$12000.00} and a cashiers check made payable to the plaintiffs law firm to satisfy that settlement, and XXXX XXXX was taking card of the satisfaction of judgment filing. I need the XXXX XXXX account deleted, as they are still showing a balance over {$13000.00}. The account was taken away from XXXX XXXX the day the the debt was sold to a third party. XXXX XXXX needs to be investigated for fraudulent collection and reporting activities and pay a huge fine for their deplorable treatment to me personally. Recently the CFPB received a $ XXXX settlement from XXXX XXXX XXXX XXXX XXXX for actions exactly what transpired between XXXX XXXX and myself. ( See Attached ) I did file a complaint with the following person in charge of XXXX XXXX compliance with zero response. 

XXXX XXXX XXXX XXXX of Regulatory and Government Affairs Email : XXXX Phone : XXXX Each respective credit reporting agency must take separate action against XXXX XXXX for the serious problems they have caused me for non-compliance to the FCRA and the FDCPA. 

XXXX XXXX
Product: Credit reporting or other personal consumer reports

Maintaining a credit file on me with out my written permission I am demanding that you freeze and delete any file that you have on me Failure to do as I state will result in my filing a federal lawsuit against your company
Product: Payday loan, title loan, or personal loan

The send me a threatening letter about my loan in default when it is not! 
They say it's from 4 months ago but i gaff paid it? 
AlsoI 'm laid off per the governor I'm a XXXX in a XXXX and they say people are still working! Cleaning crews i guess, they want paperwork that doesn't exist to stop making my valve negative. 
Basically telling me to bad nothing i can do and they'll just keep hitting my negative account costing me a fortune! Help me!
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against you if you do not validate these accounts. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The mortgage was under going litigation with the permission for a payment plan from XXXX. They marked each of the payments under the payment plan they offered late. Upon seeing the shady business practice the mortgage was paid off in full and they refuse to correct the mistake they made by marking as late.
Product: Debt collection

CRA VIOLATION NO KNOWLEDGE INACCURATE WITH XXXX ACCOUNT # XXXX AND XXXX/XXXX XXXX XXXX XXXX   ACCOUNT # XXXX APPEARED ON MY EQUIFAX CREDIT REPORT. FTC ID THEFT REPORT # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XXXX XXXX, a complaint was submitted to transunion related to XXXX XXXX reporting of their failures pertaining to the internal financial reporting. A report on fraud was reported for the sum of {$240.00}. On or about XXXX XXXX provisional credit was applied in that sum but balance was never adjusted. On XXXX XXXX the fraud department called claiming duplicate provisional credit was applied which, XXXX took back the provisional credit after XXXX sent the money back to my credit card. During the reporting month only {$310.00} was utilized for credit spending plus {$200.00} was paid by myself with credits of {$44.00}. from XXXX. So, from the time of the credits posting on XXXX XXXX and close of statement date this was the statement date which my balance was {$1700.00}. reported by chase however, {$310.00} was used after XXXX XXXX a payment for {$100.00} made on XXXX XXXX. The credited used prior to XXXX XXXX was {$310.00} and XXXX XXXX XXXX bank fraud called stealing {$240.00} stating duplicate provisional credit which I never recieved leaving me on XXXX XXXX statement close at {$2100.00}. XXXX BANK COMMIT FRAUD BY STEALING THE CREDIT BACK AND THE EXECUTIVE ASSISTANT XXXX STATES NO CPA, NOR THE PRESIDENT OR CFO or CEO will deal with this problem. XXXX has no degree in finance or is a CPA and she stated the CEO has put her in charge to make the decision and she is the highest it will go to. SO XXXX BANK CEO HAS PUT UNEDUCATED PEOPLE TO DEAL WITH PEOPLE 'S MONEY. THIS SHOULD ONLY TELL CUSTOMERS THAT THE INVESTORS AND SHAREHOLDERS DONT CARE ABOUT WHATS GOING ON AND Transunion is only helping them by checking in or providing the proof on what the company 's trying to defraud customers about.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX of several times I've discovered that my credit report had inaccurate information. The XXXX credit bureaus must verify these items in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely repaired : DP OF EDUC XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 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 XXXX 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

XXXX has recently filed a lawsuit against Experian alleging systemic issue such failing to forward consumer-provided evidence to furnishers accepting unreveiling responses and failing to adequately notify consumers of dispute outcomes.These failures align with=th my experience where Experian has neither corrected not 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 these disputed accounts, as Experian inaction violates federal law and my rights as a consumer.Experian 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 of disputed information outcomes.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX  XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX XXXX OPENED XX/XX/XXXX Account Name : XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX
Product: Credit reporting

I have filed a dispute with equifax to remove my joint chapter XXXX bankrupcy. filed on XXXX/XXXX/XXXX at NV, XXXX XXXX federal court # XXXX XXXX CT-LV, the address is XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX NV XXXX, tel # XXXX. Joint Bankeupcy under XXXX XXXX and XXXX XXXX, case # XXXX. This bankrupcy was dismissed/closed - ch XXXX. 
my original dispute with Equifax was on XXXX/XXXX/XXXX, they refused to remove it and instead of removing it, they are showing on my credit report that the bankrupcy court renewed the date which is my dispute date, which is XXXX/XXXX/XXXX. now I would like them to remove the bankrupcy from my credit report, it is over 7 years old. inclosed is documents and letter of dispute sent to Equifax , I disputed online and by mail. please remember that it is a joint bankrupcy and it has to be removed from my credit report as well as my wife 's. 
Thank you in advance. 
Have a happy and healthy new year. 
XXXX and XXXX XXXX
Product: Mortgage

I had logged into my mortgage loan on XX/XX/2022. Once I had logged in my account said inactive, no loan found. I called Shellpoint on XX/XX/2022 the lady answered, I told her I could not find my loan information. She said XXXX XXXX we received your wire transfer in the amount of {$47000.00} on XX/XX/XXXX and it being processed. The lady congratulated me on having my mortgage paid off. She explained the next steps, said if I were due a refund, I will receive it within 2 weeks. I received an email from Shellpoint on XX/XX/2022 congratulating me on having paid my mortgage off. I had not received anything in the mail, I called Shellpoint on XX/XX/XXXX on the status and if I were due a refund. The lady said I do see that your mortgage has been paid in full. Shellpoint will send the title information to my local county treasures office. I will get a copy will have to file with my local county 's office also. I logged into my account XX/XX/2022 I saw the payoff was processed on XX/XX/2022. I called Shellpoint due to the fact wire transfer was more than my initial payoff shown on my online account. This lady said she was sorry my loan was paid off due to an error on their end. Someone from Shellpoint had entered the wrong loan number I still had a balance. I asked about what I had seen online, the email I received stating my loan was paid in full. She put a supervisor on the phone who said the same thing, she was sorry someone from Shellpoint had entered my loan number for the wire transfer that had paid my mortgage in full. I asked about my online statement and the email I had received. She said the emails are automated generated when loans are paid in full. My loan is currently not paid in full it was a huge error on Shellpoints end she was sorry. I told her with all the proof from online and the email my mortgage should be paid in full due to their error, not mine. None had even called me to say anything about what had transpired.
Product: Mortgage

My father passed   XXXX   XXXX  . He left me a home as transfer upon death dead. The home was legally recorded in my name   XXXX   XXXX  . The home has mortgage with  Chase mortgage.  I kept mortgage up since my father passed until last year I fell behind because of loan with no escrow to pay property taxes. The property taxes got behind and I was forced to put in payment plan to pay past due taxes and current. I tried to talk to chase to see if I could n't modify loan but all the sudden chase mortgage wo n't talk to me REGARDING my  dad 's  note to house I now own. When i was current they did but now they wo n't. Please help so I can fix this problem. There is equity in home. I could repay if terms were different or buy loan in my name whatever it just do n't make since to foreclose on willing and able heir of home
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/2018 I submitted a complaint to CFPB in regards to incorrect reporting of my student loans by all of the 3 credit reporting agencies. XXXX responded to the CFPB, investigated and made a number of corrections, deletions etc to my credit report. It is not 100 % accurate but it is closer to the truth.

XXXX and Transunion sent the standard " we will investigate and get back to you responses '' That was almost 120 days ago. They did not add any additional information to the CFPB complaint nor did they investigate or they would have found that the same thing that XXXX did.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts were opened without my knowlege and i want them removed from my credit reports TransUnion, XXXX and 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 XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. Please remove these unknown items from my report. 

XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX {$180.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, I am writing to dispute the late fees that have been charged to my account by Union Home Mortgage. As a licensed therapist, I am committed to providing therapeutic services to individuals who are in transitional living situations. These late fees have prevented me from accessing the necessary capital to invest in multi-unit family homes that can provide affordable housing for those in need. 

I entered into a forbearance program with Union Home Mortgage on XX/XX/XXXX, which was later extended to XX/XX/XXXX. Despite being in this program, I have been charged late fees for the following months in XXXX : XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. These late fees have been reported to the credit reporting agencies and have negatively impacted my credit score. 

Union Home Mortgage has violated several laws and regulations, including : Violation of the Fair Credit Reporting Act ( FCRA ), specifically USC Title 15, Section 1681s-2 ( a ) and ( b ), which requires furnishers of information to credit reporting agencies to have reasonable procedures in place to ensure the accuracy of the information they provide, and to investigate and correct any inaccuracies that are reported to them. 

Violation of USC Title 15, Section 1641 ( g ), which requires mortgage servicers to provide borrowers with a notice of any assignment, sale, or transfer of their mortgage loan to another servicer.

Violation of USC Title 12, Section 2605 ( k ) ( 1 ) ( A ) ( i ), which requires mortgage servicers to promptly and accurately credit payments made by borrowers. 

Violation of the Truth in Lending Act ( TILA ), specifically Regulation Z, which requires lenders to provide borrowers with a clear and accurate disclosure of the costs associated with a loan.

Violation of the Real Estate Settlement Procedures Act ( RESPA ), specifically Section 1024.41 of Regulation X, which requires mortgage servicers to have reasonable policies and procedures in place to provide borrowers with information and assistance related to loss mitigation options.

I am requesting that Union Home Mortgage correct these errors and remove the late fees from my account. I also request that they update my credit report to reflect the accurate status of my account during the forbearance program. Additionally, I request that Union Home Mortgage provide me with a notice of any assignment, sale, or transfer of my mortgage loan in the future, and that they promptly and accurately credit any future payments I make on my account. 

The removal of these late fees is urgent, as it would enable me to invest in multi-unit family homes and provide affordable housing to those in need. I urge you to take immediate action to provide monetary relief and ensure that Union Home Mortgage complies with all relevant laws and regulations. 

Thank you for your assistance in this matter. 
l
Product: Checking or savings account

I keep receiving e-mails from Us bank that are not meant for me and include details of transactions made by " XXXX '' They include details as shown below. I can not unsubscribe from these e-mails because you must log-in to their website to change your preferences and I can not as I am not one of their customers. I spent over an hour on the phone with the Fraud department at XXXX on XX/XX/XXXX and spoke to supervisors XXXX and then supervisor XXXX who refused to give their last names or extensions in order to try to rectify the situation. I would like compensation for the hours I have spent trying to get Us bank to stop sending me unsolicited e-mails. Branch receipt : Your withdrawal on XX/XX/2023 Time : XXXXXXXX XXXX Amount : {$3.00} From : Standard Savings ending in XXXX Posting date : XX/XX/2023 Branch location : XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, KS XXXX Branch # : XXXX Teller # : XXXX Transaction # : XXXX
Product: Credit reporting or other personal consumer reports

I did not file any disputes with Experian this year and yet I am receiving daily emails. Can i have {>= $1,000,000} because I didnt file a dispute into my accounts nor I knew about my any dispute. I was surprised by the emails I received at XXXXXXXX XXXX XXXX, or XXXX
Product: Credit card or prepaid card

Everytime I try to login online to pay I can not and relieve a message to call the company. The credit card company is Frst National Bank of Omaha and the last time I called them I was told this was resolved. As soon as I get ready to pay again the same thing happens. To make matters worse they leave you on hold forever. By forever I mean over an hour. I don't have much free time as I work so holding for extended periods is unrealistic. The phone number is only good during the day in business hours. I do not recieve a bill by mail as I have paperless billing and even if I did I don't have checks. All my other credit cards that are easy to log into and get in touch with by phone are on time and have never been late. This card keeps getting charged late fees even though they are making it difficult for me to pay them on purpose. I feel as if they've made it difficult to pay to incur more money in late fees. I especially feel this way since I was told it would be fixed and it is not.
Product: Mortgage

I obtained conditional loan approval on XX/XX/XXXX for a {$690000.00} mortgage to purchase a coop apartment at XXXX XXXX XXXX XXXX, XXXX XXXX in XXXX XXXX, NY from Bank of America. I received a clear to close from the coop, sellers, and all attorneys on XX/XX/XXXX. Bank of America has still not given me the clear to close and my rate lock expires on XX/XX/XXXX and they have asked to run my credit report again because it expired. They have provided no clear answers as to what is holding them up and no timeline as to when I will be able to close. My attorney and myself have been emailing them everyday and are getting strung along with no answer. All parties are beyond frustrated.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts do not belong to me. Legally I have no contract or relationship with these creditors. 

XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX XXXX XXXX XXXX, Balance : XXXX