23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Its taken 2 years and probably 24 full hours of run around from new rez mortgage company to get our PMI removed. 

They sent an unqualified agent to do the appraisal after the value went up almost 34 % in the market here. We added $ XXXX worth of tangible upgrades and she appraised us for less than what the property and home was appraised for at the time of our closing. Were apparently the only new construction property in XXXX  Florida that lost value during Covid? Ha! 

They have no intention of removing the PMI despite valid comps. They wont let us have an independent assessment done- they said it wouldnt count in their decision. 

We signed off on approval to pay for their choice of agent to come out and instead just received a denial letter - the reason being we werent willing to have the appraisal done- despite paperwork on file that they acknowledged receipt of stating otherwise. 

Im ready to give up. This is just theft by New Rez Mortgage Company at this point.
Product: Credit reporting or other personal consumer reports

Hello, I am a new immigrant to the US. I have a work permit and social security number. I have opened several applications to work, XXXX, XXXX, XXXX XXXX, XXXX XXXX, etc. The background check company that these applications use, Checkr, has always given me problems. They said my social security number was conflicting and asked me to send a picture of my social security card. I have encountered the same problem with almost every application. Checkr blocks me every time, so XXXX has not opened my XXXX XXXX  account. I can not open my account and work because Checkr says they can not complete my background check. I have contacted them many times, but they say my social security number and information are conflicting. I am being discriminated against. This situation really wore me out, I had dreams too, but everything is now ruined because of this company.
Product: Bank account or service

I had opened a savings account in college that waived various fees because I was a full time student and under the age requirements. A couple of years after college my account automatically switched to a different/default choice of savings account without : a formal notification to me, a choice or preference in the type of account I was going to transfer to, providing a clear explanation of the new terms of that account. These new account terms changed a couple months after I was legally married and my husband XXXX. I began to accrue monthly maintenance fees within the first XXXX months and now have totaled over XXXX months and draining my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a bankruptcy reporting on my transunion and my XXXX credit reports. It shoud not be on my report.
Product: Student loan

Forbearance months should count towards the XXXX waiver! I was on XXXX for years with a XXXX monthly payment that shows up as you do not have a bill for this payment period. I was told these would count towards my XXXX payments for forgiveness but now they are saying it wont. Myself and thousands of others are going through this many who were asp put into forced Forbearance due to being schools but still were making payments that now wont have those payments counted. This is ridiculous! The amount of hardships these loans have on the lives of Americans is atrocious! These are the reasons many people are so hesitant about furthering their education because you spend the rest of your life paying back loans and to be two times and taking advantage of my the department to education is completely unfair! Please fix this!! Forbearance should count!
Product: Credit reporting or other personal consumer reports

Urgent Request for Assistance : Account Creation and Credit Report Access Issues Dear Experian Support Team, I hope this message finds you well. I am writing to bring to your attention a concerning issue I have encountered while attempting to create an Experian account and access my credit report through your platform. 

When attempting to create an Experian account, the system indicates that I already have an existing account, despite never having created one before. To resolve this, I proceeded to reset my password. However, upon providing the required information ( email address and last four digits of my social ), the system responds with no information or account registered with that email address or social, creating a contradictory situation. 

Moreover, I found it perplexing that I could successfully obtain my credit report from Experian using the same information on another platform, XXXX. The discrepancy between the two experiences raises concerns about the functionality of Experian 's account creation process and system reliability. 

I kindly request your immediate attention to rectify this situation as it is hindering my ability to access my credit file through the Experian platform. I understand the importance of accurate credit reporting and value the services Experian provides. I trust that your team will investigate and resolve this matter promptly to ensure a seamless experience for your users. 

Thank you for your prompt attention to this matter. I appreciate your assistance in resolving the issues I have encountered. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I was in the hospital overnight for a accident. We have received many bills and have setup payment methods through the hospital for bills and making all payments as agreed upon. The date of service for the hospital was XXXX XXXX, XXXX. 

We just relieved a collection notice on XXXX/XXXX/XXXX that we have n't paid a bill. The company is Transworld System Inc., XXXX XXXX XXXX, XXXX PA XXXX. We called the company and spoke to a XXXX and he could not tell us anything other the amount we owe, The hospital name and the date of service. He could n't tell us anything else. XXXX also hung up on us that 's how the conversation ended.
Product: Checking or savings account

We opened a business account with Chase Bank in XXXX XXXX NJ last XXXX. 
The bank informed us by phone yesterday XXXX that they will close the account without providing any reason except indicating that this is a result of deatial that came through their compliance department.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent letters on XX/XX/21, XX/XX/21, and XX/XX/21. I have still yet to receive any response from the credit bureaus. I've allowed ample time for them to respond to my disputes but they have failed to respond. along with this complaint, I am sending another letter to the bureaus for them to delete the accounts in question
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX Balance : {$370.00} ; XXXX XXXX XXXX Balance : {$770.00} XXXX XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XX/XX/2019 ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ; If the 3 credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the 3 credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.
Product: Credit reporting or other personal consumer reports

Columbia Debt Recovery LLC, also known as Genesis, is reporting a bill of {$150.00} for a property called XXXX XXXX. I contacted this company on XX/XX/XXXX to inform them that the bill does not belong to me and that they are reporting inaccurate information. The original company, XXXX XXXX, claimed that I owe {$150.00} for an additional screening fee, which they supposedly billed me after I decided not to proceed with leasing their apartment. 

There is no valid reason for XXXX XXXX to charge an additional screening fee, as I had already been approved for the unit and had paid a {$100.00} application fee. It seems that XXXX XXXX retaliated against me for choosing not to lease the unit by charging me an unwarranted fee of {$150.00}. This fee was neither necessary nor agreed upon for the additional screening. As a result, I have been denied an apartment application. 

I have requested that they remove this debt from my credit report, but I have received no response. I have also noticed that Columbia Debt Recovery LLC continues to report this debt to all major credit bureaus.
Product: Debt collection

This is a follow up on a XX/XX/year> A transaction of {$11000.00} went through to a citi autopay that I did not authorize nor have this citi account. I have called citi about this weird credit card that was opened and someone making transaction on it before. I have called some few years? before back to have it closed when I noticed the first attempt of this credit card being used. I called citi to have it closed and/or was told I do not have this citi credit card account as far as I remember. However, a transaction was made from my XXXX  under the same citi credit card issue I have complained about it being used not under me. I have asked for investigation from Citi. Citi bank enclosed a letter declining my request for refund and removal from my profile and adamant that I received benefit from this transaction. I have went to a citibank location and they refused to help. I filed complaints to dispute this transaction and citibank decided to turnover to a debt collector - XXXX XXXX XXXX XXXX  to sue me for owing them a debt.
Product: Checking or savings account

Subject : Fraudulent Wire Transfer Chase Bank Refusing Refund XXXX. What happened? 
I am filing this complaint because Chase Bank denied my fraud claim for an unauthorized wire transfer from my account. Chase has stated that because an OTP ( one-time password ) was sent to my phone number and the IP address matched, they are holding me responsible. However, I did not authorize this transaction and believe my account may have been compromised. 

I reported the unauthorized transaction to Chase, but they have refused to conduct a proper investigation into how my information was misused. 

I have requested the following from Chase, but they have failed to provide : A detailed audit log of the transaction ( including timestamps, device details, and geolocation ). 
Confirmation of whether the OTP was intercepted or if my account was remotely accessed. 
Evidence that my account was not compromised through hacking, malware, or social engineering. 
Despite my attempts, Chase has ignored my fraud claim and refuses to issue a refund.
Product: Credit reporting or other personal consumer reports

It has come to my attention that these accounts are not reporting 100 % accurately to my credit report and there are some inaccuracies within the reporting. According to the FCRA if any accounts are reporting inaccurately on my credit report they should be removed immediately. 
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

on XX/XX/year> I requested that the three credit bureaus Experian, XXXX and XXXX remove the Bankruptcy or sub press it from the report.
Product: Mortgage

In XX/XX/XXXX My wife and I refinanced our home mortgage so we could get a lower interest rate. When the refi closed, the Mortgage Company took all the funds in escrow and applied it towards the principle for the payoff. Without our knowledge. However, the mortgage company nor the title company ever checked to see if the winter taxes were due or even paid. Then three months into XXXX we get a statement from the county treasure saying the taxes were never paid. We contacted the mortgage company and after a two week investigation they tell us someone screwed up and they paid the taxes but now we have to pay them back. How is this not bad faith???
Product: Payday loan

Took out a {$3500.00} loan over 18 months ago Was told in XXXX of 2015, there was XXXX payments left. ( I 'm still paying ). Paying over 300 % interest -- I get it. From what I can gather, now I am being charged additional " fees and interest '' for time it took ACH payment to hit THEIR account. Have called to complain to company at every level, with usual referral to a complaint website. I have been given XXXX different pay offs and XXXX different reason why there is still a balance. 13 days ago, I filed complaint on website " XXXX '' Have yet to hear from ANYONE and they claim fees and interest are still adding up. Calling the corporate offices yields a " they are a franchise office '' call them attitude with no real offers to help to to my relief.
Product: Credit reporting or other personal consumer reports

Per 15 USC 1681- credit reporting agencies must report fair and current information. There is quite a bit of unfair and not current information on my report. 

Experian credit report shows that I owe {$140.00} to XXXX. It, also, states that the account was a Charge-off. Per the IRS, all " Charge-Off 's '' are considered to be " income ''. 
Credit reporting agencies are not allowed to report " income ''. The same is true for the XXXX and the XXXX XXXX XXXX XXXX files. 
In addition, one of my contracts was with XXXX XXXX. Not XXXX XXXX XXXX XXXX XXXX XXXX the account as a " Charge off ''. The other was a contract with XXXX XXXX. XXXX XXXX closed the account and completed a " charge-off '' for the balance. 
Also, there are several inquiries on my report. None of which are showing an actual reason for the inquiry. Per 15 USC 1681 there must be a legitimate reason for these inquiries for them to fulfill the requests. These are : XXXX XXXX ( XXXX  XXXX I assume ) XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( Unknown who this is ) XX/XX/XXXX and XX/XX/XXXX XXXX XX/XX/XXXX and XX/XX/XXXX XXXX XXXX  ( XXXX XXXX XXXX  XXXX ) XX/XX/XXXX XXXX 's XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX I have not given Esperian any form ( written, verbal or electronic ) permission to release any personal information to anyone. The year of my birth is on this record. Another violation. At my age it might be a XXXX violation, also. 

There are XXXX addresses on my report. 
XXXX XXXX XXXX XXXX, XXXX, XXXX  -- -- - this address is unmailable XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  -- - this address is unmailable ( XXXX yrs ago ) XXXX XXXX XXXX, XXXX, XXXX  -- -- this address is unmailable and should have been removed quite some time ago. Very old information is a violation. 15 USC 1681 states that old outdated information can not be reported. I have not lived in that area since XXXX. I did give Experian my current and correct address. 
Experian, is also, claiming that they can not lock out " soft inquiries '' unless you join their membership for a monthly fee. This is NOT TRUE. The law states that we can lock those and our entire account from being reported by them. This is deceptive practices on their part and bad business all around. 

Esperian reporting false information on my credit report is hurting me. I can not apply for any credit cards or loans, as they use this information negatively to deny me.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act this creditor ( XXXX, XXXX and experian ) has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. 15 USC 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 166b a creditor may not treat a payment on a credit card account under a open end consumer credit plan as late for any purpose.
Product: Checking or savings account

I withdrew XXXX in the form of a certified bank check ( official bank check ) from my XXXX XXXX savings account that was expedited to me with fed ex. Once I received the check I then took it to bank of America in XXXX NC and deposited it on XX/XX/XXXX XXXX into my checking account which I recently opened. Upon deposit the team representative that helped handed me my deposit receipt and informed me it wld take a few days to verify the check which I told him no problem I understand that, he told me to keep a eye on my account for the funds to show up, well XXXX to 5 days later they all of a sudden closed my account and said they cld not verify the check. In an attempt to find out what happen I've been shuffled back XXXX fourth between XXXX  and bank of America. XXXX basically told me that boa has processed the check and that they is nothing they can do XXXX had me to fill out a check claim affidavit and have it notarized which I done but finally they said they can do nothing. XXXX has told me that anything that bank of America needs from them to prove thr check was good they will be happy to provide that to them, which I have told bank of America that. So I've also been to bank to the bank of America in XXXX to try n resolve this and spoke to a XXXX XXXX a senior banker at XXXX XXXX bank of America and ask him to do a XXXX call with XXXX which he refused but instead called a supervisor and put her on speaker and this is when she's said they had the money and that I needed to put a stop payment on the check in order for them to release my funds so I call XXXX and fill out a form to do that but they said they cld not put a stop check on a check that has already been processed. They have said they have my money but won't give it to me. They took ownership of my money. I have all the documents and paperwork that I will send you also please help they have stolen my XXXX which I desperately need. Oh I have also filed a police report with the sheriff department
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the bureau and the company Chrysler Capital on several time.. I have not been late on my payment. They are presently hurt my credit reporting this information inaccurate.
Product: Credit card or prepaid card

I am a victim of Identity theft and I have a discover card and mortgage that not mind
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX2023 XXXX Trans union Consumer Solutions, and XXXX XXXX XXXX XXXX, allowed XXXX XXXX XXXX XXXX, to place an unknown collections account on my credit report. First the company XXXX XXXX XXXX XXXX has no legal standings to collect on such alleged debt. There was no written notification regarding the alleged debt provided to me, the consumer. This is a Violation of the Fair Debt Collection Practices Act ( FDCPA ). This needs to be removed from the credit report immediately.
Product: Debt collection

I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by Diversified Adjustment. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections.

I want to make it clear that I have not granted Diversified Adjustment authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness.

Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report.

I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ).

2. Provide sufficient and documented evidence of the validity of the alleged debt.

3. Remove any and all references to this alleged debt from my credit report.

Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to TILA, FCRA, and others.

Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken. 

Sincerely, XXXX XXXX
Product: Credit card

My credit card was due and was over the limit. It was late a few times. The billing cycle didn't close until XXXX XXXX. The due date for the amount was XX/XX/2025. I paid the full balance off on XX/XX/XXXX of XXXX I owed XXXX. I made the payment prior to the due date. 

When the billing cycle ended there was a XXXX balance, yet they charged me {$5.00} on interest on the account with a XXXX balance. They also reported it to the credit agency 's that I still have a balance on the account. When I called, the Macy 's call center on XX/XX/2025, I spoke to a customer service rep in the XXXX, XXXX, employee number XXXX. She stated in the beginning that she will remove it. When I voiced by concerns that stated that what they did wasn't fair and that I was going to contact the XXXX XXXX XXXX  she then stated that she couldn't remove the charge and gave me another number to call. 

The last four of my Macy 's account number is XXXX.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app ( Block Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.