23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Southwest Recovery Service posted a claim of {$140.00} for a medical bill against me but when I called them they realized their debt was with a XXXX XXXX XXXX in XXXX TX XXXX XXXX XXXX in XXXX. I asked them to remove this and they said they would. That was over 2 months ago. This derogatory is still negatively affecting my credit score. I want it fixed.
Product: Mortgage

On XX/XX/23, my autopayment of {$920.00} was not applied. The amount of {$830.00} was pulled from my bank account. This caused a shortage of {$87.00} for my XXXX mortgage payment. I called the Loan Depot rep to determine why my bi-weekly autopayment was short. The rep stated that someone would get back with me concerning this issue. I called on XX/XX/23 to see that my mortgage was showing delinquent showing that the XXXX and XXXX payments were outstanding. After speaking with the rep, I was advised to pay a shortage of {$160.00}. I was advised that {$85.00} of the {$830.00} was moved to principal. I made a payment of {$75.00} on XX/XX/23 and requested that the {$85.00} be moved back to suspense to be applied to my full mortgage payment. I was advised that I should be contacted within 2 business days. I am concerned that I will be turned into the credit bureau for being delinquent due to a processing error on their side. The rep also advised me that their system can not handle the extra principal payments and that it would be a long process to get the system developers to fix this situation.
Product: Credit reporting or other personal consumer reports

There is a public record of eviction XXXXXXXX XXXX  WI of XXXX that does not belong to me and i have tried to get them to confirm this information and the refuse to comply. 

There is a criminal record for XXXX XXXX XXXX that has been dismissed and case has been sealed XX/XX/2023 they are still reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to have a joint account thru XXXX  in Colorado back in 2017 and I closed at least my side of the account. I lost all contact with my ex partner and I didn't receive any notices from the bank. I never got any reports or notices that I can recall but I also thought that because I closed my account side I owed anything at all. The bank doesn't have my information and I don't have access to any accounts since 2017 but suddenly in my credit statements I've seen that the account I thought closed had pick up some kind of interest and it's been negatively impacting my credit ever since 2017 while it appears to me as no debt collection active and nothing owed both thru XXXX or Equifax. If I would have been aware of all this behind the scenes I would have taken proper action but now the amount owed is high and all the work I've put into having a good credit score seems to be null.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX XXXX XXXX {$800.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX {$430.00} XX/XX/XXXX 15 U.S.C, 1681section 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 an 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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Information - Preauthorized Checks - XXXX XXXX, {$81.00}. This information has not been provided to the CFPB, shows actual copies of payments.
Product: Mortgage

I have sent several letters to inquire a refund for the illegal insurance charged to my escrow account. Rush more Loan Management Services, LLC charged my escrow account for insurance in the amount of my loan which is illegal. Insurance should be placed for replacement costs value. My Condo has had insurance all the time ( See Attachments ). This insurance is specific for the building and my unit number. It covers bare walls. Rushmore is inquiring  about the insurance on the contents of my condo which is in a replacement cost value about {$7000.00}. They charged me 9 months of insurance on XX/XX/2018 for prior months. They haven't been specific about the coverage they were asking for. In their letters, no unit number was entered. My condo has had insurance which I paid and still pay so a refund needs to be applied. It is illegal to charge for insurance in the loan amount and get worse when the condo has been insured and the coverage they were asking for was very specific and not a lot in value
Product: Credit reporting or other personal consumer reports

I tried to request the XXXX credit bureau reports from XXXX. I do not remember receiving any for the year XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I paid off an installment account in full on the XXXX or XXXX of last month and cancelled the account with the creditor. The creditor reports on the XXXX of the month. They ( creditor ) did not report the payoff or cancellation. I called the lender and asked why they did not upfate the account information to my credit reporting companies. They responded that they will do it sometime in ghe following month. I then filed a dispute with both Transunion and XXXX about the account status. XXXX took care of their part updating their account information and verifying the debt paid in full and and closed before the end of this last month. TransUnion did not report it until today and reported it as a reopened account with the old balance showing. I again disputed this over the phone with them today. Their response was they will look at it again within the next 30 days. I was going to buy a vehicle today but will have to hold off because of XXXX mistake. I am writing you of my experience with TranUnion and an unnecessary cloud on my credit because of their incompetence.
Product: Credit reporting or other personal consumer reports

Request dispute review and delegation of inaccurate information as per my request made by me in writing. Proof of identity was enclosed.
Product: Money transfer, virtual currency, or money service

From XX/XX/XXXX to XX/XX/XXXX, both my checking and savings accounts got unauthorized transactions over 9000 USD in total to an unknown person through coinbase.com platform, which is a website managed by coinbase, inc.. I never had any accounts with coinbase.com, never provided my account numbers and never approved such transactions.
Product: Mortgage

Refusal or Slow responce to PMI Removal letter. 
SPS has not responded to my request to suspend and remove Mortgage Insurance.

I have met all cirtera for removal. See loan infomation below.

Account Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Select Portfolio Servicing , Inc . 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Original Loan Amount {$270000.00} Loan Type Conventional With PMI XXXX XXXX XXXXXXXX XXXX XXXX Monthly Premium {$46.00} Next Premium Due On XXXX Current Loan To Value 59.60 %
Product: Credit card or prepaid card

XX/XX/XXXX I recently cancelled my XXXX rewards credit card after 7 years with Chase and that credit card. The reason I cancelled was due to receiving a marketing email letting me know that my account benefits were changing, without my consent. After I cancelled I requested a refund on my annual membership fee ( pro-rated ) as XXXX changed their policy benefits mid-cycle. As a customer, I have the right to cancel my card and received a pro-rated refund. After wasting over an hour of my time on this, I still have had no luck with their horrible customer service ( mentioned I paid my annual fee in XXXX and they don't do refunds ). 

Customer care incorrectly mentioned that I did not have to change my card or benefits but as you can read below, they are chaging their TOS. As a customer I have the right to decline new TOS and should get a pro-rated refund on my annual payment as I am not the one who is changing the TOS. 

Full email here : Your XXXX XXXX XXXX Credit Card benefits are changing. 
Your account ending in XXXX Dear XXXX : Thank you for your loyalty as a Cardmember. We're letting you know that your XXXX XXXX XXXX Credit Card will have updated benefits. 

Your card will have updated benefits Beginning XX/XX/XXXX, the Free Night Award you receive every year after account anniversary, will be valid for a one-night hotel stay at a property with a redemption level up to XXXX points. This replaces the category 1-5 certificate you previously earned each account anniversary.1 Coming in XXXX, you will receive 15 Elite Night Credits each calendar year instead of the 15 Elite Night Credits you received every year after your account anniversary.2 Also, beginning XX/XX/XXXX, if you have more than one XXXX XXXX , XXXX XXXX XXXX, or XXXX XXXX credit card, you will only receive a total of one 15 Elite Night Credits benefit per calendar year, which will be credited to one of your XXXX Loyalty Program accounts.2 Please visit chase.comXXXX for the updated terms and conditions. 

We hope you enjoy all the updated benefits of your XXXX XXXX XXXX Credit Card. If you have questions, please call us anytime at the number on the back of your Card. 

Sincerely, XXXX XXXX General Manager Partnership Marketing Chase Card Services
Product: Debt collection

This serves as an effort to rectify inaccurate information present in my credit report as published by your company. Following a credit denial attributed to the dissemination of inaccurate details, I wish to formally communicate that I did not provide authorization or instructions for the inclusion of these specific transactions in my consumer report. 
I am formally requesting the blocking and deletion of these accounts. 
It is crucial to emphasize that this request is not erroneous and is not grounded in any material misrepresentation concerning the necessity to block these transactions. The following are the accounts that I wish to remove from my credit report XXXX XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to formally report an issue I am experiencing with Macy 's credit card and their reporting system to the credit bureaus, which has resulted in a significant and unexplained drop in my credit score. 
Details of the Issue : 1. Credit Score Impact : On [ insert date ], I received a notice from the credit bureau that my credit score had dropped by XXXX points overnight without any prior warning or notice. This sudden drop is highly irregular and concerning. I have never received a statement or a bill for this account and that is why it has not been paid in a timely fashion. 
2. Account Confusion : Macy 's informed me that I had opened the account in XX/XX/year>. However, I distinctly remember opening an XXXX XXXX XXXX in XX/XX/year>, not a Macy 's card. I understand that XXXX XXXX does not have a card bearing Macy 's name. It seems Macy 's may be converting some accounts from XXXX XXXX to Macy 's without consumer consent or approval. This is deceptive and potentially illegal. 
3. Penalty Charges : Macy 's charged me over 50 % of the due amount, labeling it delinquent for being over 30 days late. This penalty is excessively high and unfair, especially since I did not receive any bill, notice, or warning. 
Request for Resolution : I have always paid my dues on time and maintained an excellent credit score ( over XXXX across all three credit bureaus ). Macy 's actions have unjustly impacted my credit standing. I respectfully request the CFPB to : 1. Investigate Macy 's credit reporting practices, especially concerning the sudden and unexplained drop in my credit score. 
2. Ensure that my credit score is restored to its previous excellent status. 
3. Address the unfair penalty charges imposed by Macy 's for the alleged late payment. 
This situation has caused me significant distress, and I hope for a fair and just resolution. I appreciate your assistance in this matter. Thank you for your attention to this serious issue. Please contact me if you require any additional information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

In XX/XX/2020, addressed to me at my home address, I received a promotional mailing from Regions bank offering up to {$500.00} for opening a checking account with them and following a specific set of requirements. The promotional offer contained a a " personal code '' of XXXX. I performed the requirements on the promotional mailing and should have earned {$450.00} of the promotional offer. 
I took the following actions to earn the advertised promotional offer : -Apx XX/XX/2020 I opened a new checking account online and immediately enrolled in online statements. 
-I made a mobile deposit of {$1500.00} on XX/XX/2020. 
-I downloaded and logged into the Regions Mobile application -I waited more than 90 days to receive my bonus I have had communications with the Regions bank and they told me they were able to confirm that I performed all of the requirements ( with the exception of one requirement they were unable to confirm or deny that it was completed due to their system problems ). I was told that my case would be communicated to the Regions marketing department for review. I can attest that I have successfully completed the tasks required to earn {$450.00}. By now, I should have seen the credit applied to the account. I believe the bank is trying to avoid paying this promotional bonus to me and sent the promotional offer in bad faith. I have a copy of the promotional mailing they sent to me available for reference.
Product: Credit reporting

I sent a letter to Equifax about errors being reported on my credit report there is a public record that is n't mine reporting on my credit. I recently received a letter back from Equifax stating that they had verified it. I contacted the XXXX Courthouse where the public record was filed and they sent me a letter back stating that they did n't verify any information to anyone of the XXXX credit bureaus. Equifax LIED!
Product: Credit reporting, credit repair services, or other personal consumer reports

When verifying my credit score in XXXX XXXX I observed that I have innumerable requests for credit intagacion which I have not made, mostly they are from car dealers, since I do not need to do them because I have a car. 
I was a victim of identity theft in the Equifax XXXX case and I am in the class lawsuit against Equifax. I have contacted some of the auto dealers where they have checked my credit and they do not have evidence of my identity as a license copy. driving, I request that these inquiries be withdrawn from my credit, thanks, XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

This morning, I discovered inaccurate accounts on my credit report, and Im completely at a loss as to how they got there. Ive been checking my credit report regularly, and everything was fine until now. I even refreshed the page multiple times, hoping it was a glitch, but the errors didnt go away. Im begging for a thorough review of the documents Ive sent so that I can finally stop living with this constant worry.
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, XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account name : XXXX XXXX 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 or 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: Checking or savings account

This complaint is regarding a new savings account I opened with XXXX Webster Bank on XX/XX/year>. After being approved for the account I enrolled in online banking and registered for external transfers to fund my account. I received a confirmation from Webster Bank stating " Congratulations! The registration process enabling you to transfer money to your external accounts is now complete. '' I also received a confirmation from my primary banking institution, XXXX XXXX, confirming the account sharing with Webster Bank. Using the Webster Bank online platform, I initiated a transfer of {$34000.00} from XXXX XXXX to my new Webster Bank account. Later that night I received an email from Webster Bank that my transfer was stopped " for security reasons. '' No additional information or remedial action was provided by Webster Bank at that time. I then attempted to add the Webster Bank account to the external transfer profile of my primary XXXX XXXX bank account. XXXX XXXX required account verification by making two small trial deposits into the new account which I was to see and verify. 
On XX/XX/year> I received notification from Webster Bank that my External Transfers profile was suspended. 
On XX/XX/year> I attempted to log into my Webster Bank account but was unable to. I called the customer service number and spoke to XXXX XXXX. He did not permit me to view my account but essentially circumvented the intent of the XXXX XXXX verification deposits by reading me the value of the deposits. Additionally, he required a copy of my XXXX XXXX bank account statement in order to verify the account. He sent an email to me while we were on the phone requesting a copy of my bank statement and drivers license. The email did not come from the same " Webster Bank '' address as the previous emails but came from " onlinebanking. '' Replying to the email, I expressed that I was uncomfortable transmitting sensitive information about my account via email, but no other option was provided to me. I requested access be restored to my Webster Bank online banking account but XXXX maintained that the XXXX XXXX statement was required to regain access to online banking. I suggested the following hypothetical to which I received no further response : " Hypothetically, if I no longer wish to fund the account from XXXX XXXX, there should be no need to provide sensitive information from another institution in order to access my XXXX account. ''
Product: Debt collection

I noticed a new collections account pop up for all three major credit bureaus ( XXXX, XXXX, and XXXX ). I have no knowledge of this company, and from further investigation it appears it is grossly misrepresented and inaccurate. I am not sure if this is scam or if this company is using fraudulent practices to re-age a possible old debt. I have attached further documentation to support my claims.
Product: Money transfer, virtual currency, or money service

Im filing a complaint against Cash App ( Blockchain, 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 unprotected and vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Both myself and my husband are victims of IRS FRAUD, MORTGAGE FRAUD, PRONZY SCAMS FROM HARD MONEY LOANS, MORTGAGE FRAUD and CREDIT FRAUD. We were unaware of any of this taking place which apparently stated in 1998. Our attorney and tax consultant instructed us to ensure we have secured property deeds, We revealed an embezzlement ring which, appear to include high ranking individuals. Due to security issues I will not release this information. We have attorney 's involved. As we continued to reviewed are credit bureau we later discovered fraud charges on our credit cards and bank accounts.It appears particular individuals directed the heads of particular companies to ensure we loose everything we have worked for. I testified for a XXXX XXXX XXXX client who was XXXX XXXX   both on a local and national level and the state of Georgia Retaliated against my agency. The vandalism to my home, thefts to include death threats still continue. The attorney hired by the agency sold me out to cover others. My XXXX number was taken and THEY HAD THE AUDACITY TO RELATE IT TO FRAUD BECAUSE I would n't agree to the COUNTER SETTLEMENT. I WILL FIGHT UNTIL EVERY PERSON INVOLVED IS CONVICTED!
Product: Debt collection

I am being collected for a medical bill by Credit Service Company INC of XXXX  XXXX, phone number : XXXX, which has bought my supposed debit from Accounts Receivable. Although I have already disputed the bill amount directly with the hospital ( the amount was inflated, so much that the doctors decided to change provider ), and although I have notified in writing Accounts Receivable, they have reported the collection which has now affected my XXXX  credit score. I believe this practice is illegal, and one disputed medical bill ( out of dozens I have paid normally ) should not affect my XXXX   score and hence my ability to get a loan. Thank you for your patience and for looking into this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX XXXX sent in disputes letters and file on cfpb and I have not had a response by mail from XXXX, EQUIFAX nor XXXX. I don't understand what's been going on with my claim but I want a response please by mail. Each account needs to be deleted due to the fact that I have not heard anything about the initial disputed items from the report.
Product: Credit reporting 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  Account XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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.