23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Due to a clerical error on the part of Specialized Loan Servicing, LLC, my ACH payments were shut off and two months ( XX/XX/XXXX/XX/XX/XXXX ) of mortgage payments were not made and I was not notified until XX/XX/2021. When I received the Notice of Foreclosure I paid all monies owed ( including late fees ) to bring my account current. In speaking with Supervisor XXXX, he acknowledged that the Customer Service rep I spoke with in XXXX should have told me that the ACH payments would be suspended but the recording shows he did not. Since XXXX, I have been requesting the repayment of the late fees since this was a bank mistake. I have a letter that states that the company contacted the credit bureaus stating that this was their accounting mistake ( attached ). Not only are they refusing to reimburse the late fees, they say that because I made 2 late payments ( which I did not ) I am not allowed to request reimbursement. In XXXX, I made a partial payment based on a third late payment fee that I did not have to make ( I spoke with a company representative who said that the third late payment would be added to the smaller XXXX payment I sent in and I would be current for XXXX ). They put my check in a suspense account instead and said I did not make an XXXX payment. I was denied credit due to this mix up and the resulting impact to my credit report. 

I have attached a complete listing of who I talked with, dates and what was discussed at each call. I have repeatedly asked to speak to a Manager/Supervisor and have been told I can not due to company policy. 

I would like a full reimbursement of any and all late payments paid on this account ( I have never been late with a payment until this occurred ), and another letter sent out to the Credit Agencies with a copy to me due to the mishandling of the XXXX payment.
Product: Credit card

Chase Bank has sent me XXXX letters saying they could not open the account I requested... I never applied for an account with Chase ... one dated XX/XX/year>, and one dated XX/XX/year>... they claim they could not open the account because they could not verify my identity... guessing that's a good thing, but it's some fraud going on for sure .... what do I do?
Product: Debt collection

Dispute Regarding Inaccurate INVESTIGATION RESULTS- VERIFIED AS ACCURATE : The disputed item was verified as accurate. 
Report Created On : XX/XX/year> File Identification Number : XXXX Provided by TransUnion XXXX Relations Dear TransUnion, I am writing to dispute the accuracy of information contained within my credit report. Recently, I discovered that a debt, which I had previously paid in full, was verified by TransUnion as accurate, despite my efforts to rectify this matter. 
The debt in question pertains to XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I want to emphasize that this debt was settled and paid off. 
Upon learning that TransUnion had verified this debt as accurate, I immediately initiated an investigation into the matter. However, it appears that no proper investigation was conducted to verify the validity of the debt and its status as paid. 
This erroneous information has significantly impacted my XXXX XXXX and financial standing, causing undue stress and inconvenience. I urge TransUnion to conduct a thorough investigation into this matter and correct the inaccurate reporting as soon as possible. 
I kindly request that TransUnion remove the erroneous information regarding this debt from my credit report and take the necessary steps to ensure that such errors do not occur in the future. Additionally, I would appreciate regular updates on the progress of the investigation and resolution of this dispute. 
Please consider this information in your investigation. 
Thank you for your attention to this matter. I look forward to a prompt resolution and the correction of my credit report. 
Sincerely, XXXX XXXX XXXX
Product: Debt collection

Cash central and XXXX XXXX XXXX has put a derogatory mark on my credit report and alleging that I owe XXXX which I have not use this business for any purposes.
Product: Debt collection

I am being sued by a towing company i have a rental space with. The amount of money is not correct, I have repeatedly attempted to contact this firm to resolve and no response received. I did file an answer with in the allotted time frame and have since been receiving letters from this attorney to contact them. When i do try to contact again un answered. They then file judgement summerys to place a judgement with a trial becuase they did not hear from me. This is very frustrating. Please hep.
Product: Credit reporting, credit repair services, or other personal consumer reports

The companys involved are XXXX XXXX XXXX XXXX Experian ; I opened a credit card with XXXX XXXX XXXX in XXXX over 11 years ago which I was having financial hardships at the time I couldnt find a way to continue making payments due to legal issues I went through ; in XXXX I was sued by XXXX XXXX XXXX for non payment of the credit card account which I was struggling to pay and eventually the account was closed I was then ordered m by the courts to pay the amount owed to the credit card in a lawsuit to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in XXXX to remove the delinquent account from my credit report and I thought I would eventually move on with my life but I was wrong over a decade later this item still haunts my Experian credit report and has never reported correctly any of my payments I made to XXXX XXXX XXXXXXXX for the duration of the terms in which I paid the complete debt off and received letters assuring that this delinquent item will be removed from my credit profile which it was with 2 of the 3 credit bureaus XXXX and XXXX ; but the delinquent account with Remained on my Experian reports until this day after ; I reached out to XXXX XXXX XXXX by phone which I was met with a rude and unprofessional representative from the collection department who didnt want to help me with the issue ; I then contacted XXXX XXXXXXXX XXXX and Experian by Fax and Mail which i still have not received the help needed to remove this delinquent item thats been haunting me for more than 12 year ago when I was a young man now Im grown and been trying to apply for a mortgage to support a growing family I havent had a late payment since this issue 10 years ago my credit report and score is outstanding besides this one factor that still isnt resolved and its XXXX which means this account violates the statute of limitations for debt in NYS also there were new bills introduced by the now Governor of New York in regards to consumer debt that makes me question what Experian and XXXX XXXXXXXX XXXX is putting me through
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.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX : XX/XX/XXXX Consumer SSN : XXXX Contents of this complaint : This CFPB complaint has been filed to request pursuant of FCRA Section 605B ( 15 U.S.C. Section 1681c-2 ) that you, the Transunion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of credit cards, auto loans, and inquiries from XXXX  XXXX, ACCOUNT # XXXX, BALANCE : {$820.00} ; XXXX, ACCOUNT # XXXX, BALANCE : {$2500.00} ; XXXX, ACCOUNT # XXXX, BALANCE : {$560.00} ; XXXX FUNDING, ACCOUNT # XXXX, BALANCE {$2200.00} ; XXXX XXXX, ACCOUNT # XXXX, BALANCE : {$1100.00} ; XXXX ACCOUNT # XXXX, BALANCE : {$6500.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$10000.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$7700.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$5200.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$7100.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$7700.00} ; XXXX  ACCOUNT # XXXX, BALANCE : {$11000.00} ; XXXX XXXX XX/XX/XXXX ( INQUIRY ) These accounts have resulted in several hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I have listed these fraudulent accounts that are on the report that is being maintained by you. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report that are being maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit card or prepaid card

XX/XX/2021 Someone opened a target credit card in my name. I only found out when I received the card on the mail. I called Target to verify if it was an actual credit card. The representative informed me it was opened XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reportsno consent is fraud. Remove these accounts on my credit file ASAP : 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: Mortgage

Wells Fargo perpetrates financial misinformation and falsely asserts my mortgage was delinquent for only XXXX XXXX months. 
Consequently, Wells Fargo will only allow the XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ) to award only {$6000.00} to assist with my Mortgage. 
I deserve much more than {$6000.00} as my mortgage was delinquent for longer. 
Wells Fargo never awarded any financial help during Covid-19 when Wells Fargo should have awarded a Deferment by law.
Product: Debt collection

After several attempts of trying to remove a debt on my report that did n't belong to me, I agreed to pay off the debt at a reduced rate. I was told that it would be removed off my credit within XXXX days and it was n't removed. It does say XXXX balance but it 's listed as a collection. I called the agency and they told me to call the credit bureau. Should n't it be the collection agency who should contact the credit bureau?
Product: Vehicle loan or lease

As of XX/XX/19 my XXXX XXXX XXXX which Im financing, was repossessed from my parking lot at home without any notice, phone calls, etc ... I had personal items including checks and account banking information thats now stolen from Hyundai. I called and was given no options other than to make a large sum payment and a number to call the vendor. I felt threatened when speaking to the account managers and representatives. They told me to work for XXXX to make money and ask anyone I know for funds instead of working out payment options. It hasnt even been 90 days past due. They tell me random numbers or what needs to be paid and I feel like theyre a fraudulent dealership. They said my car was on hold the previous week and Still took my vehicle. I dont know what to do now. My information is exposed to strangers and Im currently panicking
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  XXXX Account number : XXXX, XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX  Account XXXX, ONEMAIN Account number : XXXX, XXXX XXXX & XXXX Account 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.
Product: Checking or savings account

My account never worked the money Ive tried to send and receive would never end up sending and it would still be removed from my account
Product: Bank account or service

I submitted a credit card application with Navy Federal Credit Union knowing that my chances of approval would be slim, due to credit history. I was n't surprised that I was denied when I received my adverse action letter however, the reason for denial felt discriminating. To my understanding if reason for denial was based off of credit history, it should have been specific what the decision was based off of. None of that was indicated, and I assumed that it was my bankruptcy on file that affected my chances. If so, that still was n't the case. Regardless of the reason, consumers should be aware of the specifics of denial. This would alert consumers of ANY negative reporting that causes a huge impact on their credit. A possibility of something a consumer is n't aware of ; which would then be considered fraudulent activity. 

The reason for my DENIAL is stated below : ** YOU CAUSED NAVY FEDERAL A LOSS ** This is NOT a legitimate reason for myself as a consumer. There are so many regulations in place regarding consumer rights and protection, yet many consumers need to take actions themselves because certain regulations are n't being followed.
Product: Bank account or service

I recently went to cash a check at a XXXX, MA branch of Bank of America. It was a BoA check made out to me. They asked for my photo ID, which was reasonable, which I provided. They then stated that in order to cash the check, I would need to submit to fingerprinting. There was nothing on the check stating that in order to cash it, I would need to submit my biometric data to a corporation. I felt that this was an unreasonable breach of privacy and offered to provide a great deal of other ID that I had on me such as credit cards, driver 's license, social security card, etc but nobody would cash my check without a fingerprint. I should n't have to be made to feel like a criminal for simply trying to cash a check from that bank without having to submit my biometrics. I would like to see the CFPB pass a regulation forbidding this practice as it is an unreasonable breach of privacy in order to accomplish a task so mundane as cashing a check.
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. 
XXXX Account # XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy. section 2,3 5 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 record of comradiarmac which 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. Also the inaccurate information on my names and addresses Ive disputed to no avail. Multiple hours spent calling all 3 agencies and nothing. Disgrace to Me as a Human and The Consumer Laws that Protect Me. 

Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX hard inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All Hard and Soft Inquiries Must Go as I have No Written Permission Period All My Right Were Vilated Under Laws 15 USC 1681 Section 6060029
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, consumer, and natural person, am aware of all rights that I have, and which are protected by, The Congress under the Fair Credit Reporting Act ( FCRA ). The List of accounts below has violated my federally protected consumer rights to privacy and confidentially Under 15 USC 1681. I have asked you to remove all of my old address off my credit report and phone numbers which of as XX/XX/2022 you stated that you did an re-investigation and that each collection verified my accounts and pay history, I have contacted the local police department here in Washington, Dc they stated never received any investigation or my friends or family, some address that are listed on my report, I never lived there so how could have you done investigation within ( 15 ) days. 
Under 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 an account without my written instructions.

15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordings What the fair credit reporting act XXXX Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXXXXXX XXXX XXXX Account number XXXX XXXXXXXX XXXX  Account numberXXXX  has violated my rights. 

XXXX department of education Account number XXXX Has late payment and I never missed a payment XXXXXXXX XXXX  Account XXXX. 
I tried to change my payment method with gain it took me three emails to let to get a response it charge me a late fee do to the fact they took almost a month to reposed 15 USC 1681 section 602 A states I have the roughy to privacy 15 USC 1681 section 604 A section 2 : It also states a customer reporting Agency can not be furnished a Account without my written instruction
Product: Debt collection

I received a collection notice on my credit report by XXXX with the following information " changes to your XXXX credit report XXXX Credit score XXXX points since XX/XX/2022 Collection Opened A collection was added to your file Between XX/XX/2022 and XX/XX/2022, a new account in collections was added to your report. The collection agency is COMMERCIAL TRADE INC. The original creditor was XXXX XXXX  
" I have never had any communication of any kind from Commercial Trade inc.. I have never opened an account or have had any service from them. I have now idea about the account or collection.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received recently my credit report and I am still seeing accounts in my report which should be deleted. Those accounts were authorized users accounts and I am no longer an authorized user of any of them. The following accounts should be deleted immediately : 1st account : Creditor Name : XXXX XXXX Account Number : XXXX 2nd Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 3rd Account : Creditor Name : XXXX XXXX Account Number : XXXX 4th Account : Creditor Name : XXXX XXXX XXXX Account Number : XXXX 5th Account : Creditor Name : XXXX XXXX Account Number : XXXX
Product: Checking or savings account

On XX/XX/year> approximately around XXXX I contacted Sofi to notify them of fraudulent activity on my account and there were XXXX transactions that were for {$450.00} & {$10.00} sent to a person I do not know. I was asleep during this activity and changed my password immediately after I realized what was going on. I have disputed these and appealed their decision. I was not on my account before, during or after it all happened and was not aware since I was sleeping during this time of the fraudulent activity on my account. Then today I get a message with their report saying the stolen money out of my account will not be returned so they are allowing people to steal money and get away with it! I have never given my login information to anyone NOR have I ever gave anyone permission to access my account! Sofi bank is part of all of these scammers and thieves since they allow their customers money to be stolen and nothing happens.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Cfpb I have Tried to Remove This Incorrect Public Record Bankruptcy From My Credit Report in The Credit Bureaus Fail To Remove This From My Credit File, This Had Been Hurting My Credit, Can not get home or get any lines of credit because of this matter, Credit Bureaus had Broke FRCA Laws, So I'm Here Today With Date and Tracking Number and Paperwork From Court Saying They don't give my information to other 3rd party or No Party at all, Plus I Freeze All 3rd Party Credit Bureaus ( XXXX XXXX  ) any many more .So I Have Send You Court House Letter and Tracking Number to All The Dispute I Have Send in To Credit Bureaus ..Please Hit me Back Thank You Court House Tracking Number XXXX First Round Dispute XXXX XXXX Experian XXXX XXXX  XXXX Second Round XXXX    XXXX Experian XXXX XXXX   XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 and XX/XX/2022 XXXX credit application inquiry. 
XX/XX/2022 Called Transunion and no help to remove unauthorized inquires
Product: Money transfer, virtual currency, or money service

In XXXX  I tried to contact CASHAPP about fraudulent activity on my account around XX/XX/year> for XXXX dollars and I could never get in contact with them and they closed my account due to fraud..so Im not able to get my money and they close my account in XXXX
Product: Vehicle loan or lease

My XXXXXXXX  bought a car from BMW financial and I co-sign for her and later the car got repossessed without my knowledge and later she paid the balance owed on the car and cleared out the loan but BMW financial has refused to honor their agreement to stop reporting the account on my credit report even though the loan is paid and account has been closed and fully paid they still reporting it on my credit report since XXXX  to hurt me.
Product: Prepaid card

I received an Amex eGift Card. I went on https : //balance.amexgiftcard.com/ # /account to see my balance. I attempt to use this card on XXXX ( using {$8.00} less than the current value of the card ). And the transaction is declined. I then tried again with various other amounts less than the full face value. Many people have reported having this problem starting this past year.