23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

XX/XX/2018 I called XXXX XXXX  concerning my first Mortgage statement. I'm a brand new Mortgage customer at XXXX XXXX. I noticed a discrepancy with my first Mortgage statement so I called my Mortgage Co Customer Service Department and the Customer Service Rep was polite and courteous. After I explained my issue to her she was unable to resolve my issue and transferred me to her Supervisor at my request and that's when the problem began. I could tell that she was not a Supervisor just by her tone and the way she answered the phone. She was very RUDE & GHETTO. She was unwilling to assist or listen to what I had to say. She just kept repeating the same thing over and over again. Indicating that there was nothing that she could do for me at this time. I had to take a deep breath and count to 10 because I was about to go off on her, but I didn't. I informed her that I could not pay this amount on my statement and she transferred me to the Mortgage Assistance Department which was closed for the day. 

If this is the type of service that I can look forward to I can't wait to refinance or to have my Mortgage sold to another Company. I know that there's a current Lawsuit or one coming soon and I can't wait to jump on that band wagon. No one needs to be mistreated and treated like a number. She made it seems like I was bothering her, but she forgot who pays her salary. My Issue was never resolved so I'm stuck with this high payment. So I guess my other option is modification or bankruptcy.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear TransUnion, There is information that is on my consumer report that is a result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions by me as the consumer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX
Product: Checking or savings account

I have several transactions from XXXX on my account I got a police report. Showed proof of location. Also contacted merchants who told me to charge back & send pics of the convo with chime. Also 3 way called merchants with chime to let them hear the convo. Also some said we dont even have a website so theres no way we could have charged you. Shared all this proof & im still getting denied. With no answers. Iv had several supervisors favor my case & ask to get my $ sooner cause how strong my case is & im still getting denied & Iv showed other accounts that got hit also! & won every transaction
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked Equifax where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX , XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL )  XXXX , XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX , XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX ( Original Creditor : XXXX HOSPITAL ) XXXX,
Product: Consumer Loan

Requested a pay off of vehicle loan held by Santander ' Consumer USA at the time a payment was due. When I called the following day the dollar amount had increased significantly. After speaking to a CS rep I was given a XXXX dollar amount. I asked to speak to a supervisor to explain their practice and was told someone would call me. This put the payment XXXX days late. 
After going back and forth trying to get anything close to my billing statement for an accurate number, I finally got a number that was again higher and different than the others however I settled for this and told the rep I wanted to pay and close the account while we were on the line. I was told the amount to settle the account in full was above the amount of transaction the we 're allowed to process over the phone and I would need to send my payment via mail. I did so. Even paying a few dollars more so I had peace of mind I was finished with this organization. The payment finally posted but only after a second 30+ days late fee. Luckily I included enough to cover this ( I expected this to happen since paying off an account here was not an acceptable practice ). Loan was a 72 month loan and it was settled after 53 months. My complaint is that I now have two XXXX 2 XXXX thirty XXXX 30 XXXX days late marks on my credit report. This company refuses to discuss with me due to the fact I no longer have an active account.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit reports generated by Experian and XXXX on XX/XX/XXXX, display different information provided by the original claimed creditor, XXXX XXXX XXXX. No : XXXX clearly suggest conflicting information of 1..Last activity and 2. Last payment which is inaccurate. Therefore, this item must be deleted as per Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681-1681x. The discrepancies appeared among credit bureaus are listed below. 

Name Experian XXXX XXXX activity XX/XX/XXXX XX/XX/XXXX Last payment XX/XX/XXXX XX/XX/XXXX - Credit reports of the three bureaus are enclosed. 

My consumer report is valuable to me. The willful non-compliance is a violation of section 1681n of the Fair Credit Reporting Act. Therefore, this item must be DELETED. -
Product: Money transfers

Lies, manipulation and refusal to escalate the situation to an authority figure who has the means to get the issues resolved. XXXX dollars was removed from my account with a promise of XXXX dollars being available on XX/XX/XXXX on my Google Wallet card. Google removed the entire XXXX dollars from my bank account on XX/XX/XXXX. Every time a call and plead for help, I get same scripted response. My holiday, my XXXX is ruined and I can not provide a proper XXXX meal to my family because of this. This is beyond painful, embarrassing and disheartening. I have been an advocate for Google, their products and services. They have not been an advocate for me. 

Typically, the transfer is instant. This time there was a delay that I was unaware of until I completed the transaction. I was given a date of XX/XX/XXXX. The morning of XX/XX/XXXX it was not available. I called and spoke with someone who claimed to be in management. No help given. Just lies about funds being released that day. I have emails and recorded calls to confirm. 

Google took money out my account and refused to credit my card for the transfer. With an inconsistent answer as to why, they credited me XXXX dollars for the inconvenience. That too was a slap in the face. 

The managers I spoke with told me that they do not report to anyone, which was insulting as I know there is a hierarchy of authority in all corporate settings. I will be without a XXXX meal for my family due to this. 

Something has to be done to right this wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law.When I investigated my credit report, I realized that some of the information was erroneous. The XXXX and XXXX 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. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), as required under Section 609 ( a ) ( 1 ) ( A ) Disclosures to consumers [ 15 U.S.C. 1681g ] ( ( a ) Information on file ; sources ; report recipients. XXXX and XXXX shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. If the consumer to whom the file relates requests that the first 5 digits of the social security number ( or similar identification number ) of the consumer not be included in the disclosure and the consumer reporting agency has received appropriate proof of the identity of the requester, the consumer reporting agency shall so truncate such number in such disclosure. & Section 611 ( a ) ( 1 ) ( A ) Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( a ) Reinvestigations of Disputed Information. If the completeness or accuracy of any item of information contained in a my file at XXXX and XXXX are disputed by the consumer and the consumer notifies the agency directly, or indirectly through a creditor, the Bureaus shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from my file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or creditor. Please investigate the unverifiable item/accounts/information below : XXXX XXXX XXXX, XXXX XXXX PA, XXXX, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$15000.00}, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}, HYUNDAI CAPITAL AMERIC XXXX XXXX XXXX XX/XX/XXXX Balance : {$0.00}
Product: Checking or savings account

On XX/XX/XXXX, my checking and son 's savings and checking accounts were force closed due to him falling victim to a scam. We were assured a check with the remaining amount my son had in his checking would be cut and sent within a few business days, which was fine because we had some time before his insurance payment was due. It has now been XXXX, almost XXXX  days with no sign of any check. He called today and was NOW quoted 45 days!!! That won't work as he has a car insurance payment to make. He needs the remaining funds within the next 7 days, or it will have a horrible domino effect on his life and ours. He has school and a job to get to.
Product: Credit reporting or other personal consumer reports

So fast forwarding to today ( XX/XX/XXXX ) these 3 ILLEGAL accounts still remain on my XXXX, TransUnion, and XXXX bureaus. Not only are these accounts ILLEGAL, they have the nerve to keep reporting failed payments as of XX/XX/XXXX which keeps DRASTICALLY dropping my credit score. This is beyond illegal. Please remove these items off my credit report. I will not stop disputing! For someone to keep opening and reclosing and account on your credit bureau that is FRAUDULENT does a LOT of damage to your score. Please remove these items ASAP. The opening and reopening of fraudulent accounts, with added remarks is ridiculous. I am STILL going through a NIGHTMARE after these FRAUDULENT accounts were opened in my name and the creditor feels they can reopen anytime when its FRAUDULENT! They are reporting to my bureaus as LATE PAYMENTS on XX/XX/XXXX FOR THESE ACCOUNTS that were illegally opened without consent and the re-opening and closing of these accounts WITH UPDATING INFORMATION SAYING THAT PAYMENT IS LATE AS OF XX/XX/XXXX WHEN FOR THE LAST 120 DAYS I'VE DISPUTED AND TOLD YOU THESE ACCOUNTS ARE FRAUDLENT!!!! THE LAST 4 MONTHS I KEEP GOING THROUGH A NIGHTMARE. SHOULD NOT BE ABLE TO KEEP DOING THIS TO A CONSUMERS REPORT! ITS LIKE THEY DONT CARE. PLEASE REMOVE THESE ITEMS!! 

XXXX XXXX Balance {$150.00} Acct Number -- - Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$57.00} Acct Number XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX Balance {$13.00} Acct Number XXXX Date opened XXXX XXXX, XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to update my XXXX XXXX XXXX XXXX  account. It is showing as open instead of closed. It is also showing a balance instead of being XXXX. I have disputed the inaccurate information several times with Experian but they keep closing it and stating the information is inaccurate. The inaccurate information started showing in my account XX/XX/2021 and I have been trying since then to get it disputed. I even took a day off to drive to XXXX XXXX, MI to the branch of XXXX XXXX XXXX. We tried to get the information fixed at that time and were unable to. XXXX XXXX XXXX states that Experian is reporting inaccurate information and they ( XXXX XXXX XXXX ) are not receiving the request to confirm the information. Experian is the only credit reporting agency still reporting this inaccurate information. XXXX XXXX XXXX has tried to call and email Experian to update the inaccurate but they have not being successful. Experian refuses to fix anything via email or over the phone and they are maintaining that XXXX XXXX XXXX has to fix the information through the electronic request that is being sent by Experian but the issue is that XXXX XXXX XXXX is not set up to receive that type of request from Experian. Experian has been extremely unhelpful with this request. This inaccurate information has impacted my credit report.
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. Its my understanding that Equifax will investigate this account for me to ensure accuracy. Here is the account I am asking you to verify as accurate : XXXX XXXX XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/year> {$2300.00} XXXX XXXX XXXX XXXX XXXX XX/XX/year> {$140.00} XXXX declare under penalty and perjury under the laws of the United States if executed outside of the XXXX XXXX that the foregoing is ture and correct to the best of my knowledge further I certify that i am permitted by Federal and state law to file this dispute I also understand that knowing and willful misstatement or omission of material facts constitutes a Federal Criminal violation punishable under XXXX u.s.c XXXX. These collection found within my credit report are not reto any transactions that i made i am alleging that a person or company without my authorization used my personal identity to apply for service or goods all is being investigated by XXXX
Product: Credit reporting or other personal consumer reports

I was alerted of several inquires on my credit report via XXXX. On XX/XX/XXXX there was an unauthorized inquiry from XXXX. On XX/XX/XXXX there were several unauthorized inquiries from XXXX XXXX XXXX XXXX, XXXX and XXXX XXXX XXXX. In addition, on XX/XX/XXXX and XX/XX/XXXX my credit freeze was removed without my authorization. I contacted each company to get detailed information. I was unsuccessful on obtaining information.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have like 9 hard inquirys from XXXX that I havent made or applied for
Product: Credit reporting or other personal consumer reports

I just recieved an update on my dispute with XXXX XXXX on my credit report payment history. XX/XX/year> payment was corrected to payed on time.thank you XXXX is still showing late payment. I showed proof of payment with bank statement. It is also showing XXXX as being late when earlier this month my report showed XX/XX/year> on time. There is a pattern of false reporting from either experian or XXXX XXXXXXXX All thats been happening is the late payments are shifting around on every dispute rather then done correctly and updated as paid on time. 

i am providing proof of this shifting back and forth on late payment dattes. This is unlawful and must be corrected to paid on time. please see credit reports from different months and the pattern of moving late payments around without showing any proof of late payments.
Product: Payday loan, title loan, personal loan, or advance loan

I, the consumer and natural person, was denied credit by Bankers Healthcare Group Financial when I applied for {$100000.00} on XX/XX/year> for my business XXXX XXXX XXXX XXXX XXXX. According to the Fair Credit Report Act, there is no statute of limitation on fraud. As you may be aware, it is against federal law in accordance with the Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant to 15 U.S. Code 1691 ( C ) you assume civil liability pursuant to 15 U.S. Code 1691 ( K ). Bankers Healthcare Group Financial has violated my federally protection consumer rights as follows : 1. 15 U.S. Code 1642 2. 15 U.S. Code 1681M 3. 12 CFR 1002 4. 18 U. S. Code 1348 5. 18 U.S Code 2314 6. 18 U.S Code 657
Product: Checking or savings account

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl, XXXX XXXX XXXX XX/XX/year> Account # XXXX JPMorgan Chase Bank, N.A. 


Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX, IA XXXX Subject : Formal Complaint and Request for Enforcement Action Against Chase Bank Regarding Overdraft and ATM Fees Dear CFPB Team, I am writing to request your assistance with recovering numerous overdraft and ATM fees that Chase Bank has charged to my checking account, which I believe may violate federal banking laws and consumer protection regulations. Given the frequency and circumstances of these charges, I am formally requesting that the CFPB investigate these practices and require Chase Bank to issue a refund. 
Recent Overdraft Charges and Account Activity On XX/XX/year>, my account was unexpectedly charged three overdraft fees of {$34.00} each ( totaling {$100.00} ) backdated to XX/XX/XXXX, despite my monitoring the account closely on XX/XX/XXXX and confirming that no such charges were visible at that time. An ACH transfer had already cleared the negative balance on the morning of XX/XX/XXXX, further rendering these fees inappropriate and unfair. 
Additional Overdraft and ATM Fees Summary In addition to the recent XX/XX/XXXX overdraft charges, I have been charged multiple overdraft and ATM fees over the past several months, as follows : Overdraft fees of {$34.00} each on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ( XXXX charges ) XX/XX/XXXX ( XXXX charges ) XX/XX/XXXX XX/XX/XXXX ( XXXX charges ) Non-Chase ATM fees on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX The overdraft fees alone amount to a total of {$340.00} over this period, excluding the recent {$100.00} charged on XX/XX/XXXX, bringing the overdraft total to {$440.00}. Additionally, the three ATM fees contribute further to these recurring charges, creating a significant and undue financial burden. 
Consumer Protection Violations These fees may infringe upon consumer protections under the Electronic Fund Transfer Act ( EFTA ) and the Truth in Savings Act ( TISA ), which require transparent disclosure of fees, timely posting of transactions, and fair overdraft practices. I am concerned that Chase Bank may be manipulating the timing and visibility of charges and transfers, resulting in unjust and excessive overdraft fees that place an unnecessary financial burden on account holders. 
Request for CFPB Action I respectfully request that the CFPB enforce applicable consumer protection laws and banking regulations to : Investigate these overdraft and ATM fees. 
Compel Chase Bank to refund the total amount of overdraft and ATM fees imposed, including the recent XX/XX/XXXX charges and those detailed above. 
I believe your intervention will compel Chase Bank to address these concerns and refund the fees that have been unjustly charged to my account. Thank you for your attention to this matter, and please feel free to contact me if additional information is needed. 
Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

A data breach has occurred on my personal and financial reports..please remove all derogatory information
Product: Credit reporting or other personal consumer reports

15u.s.c1681 section 602A and section 604A 15U.S.C section 1681c and 15 U.S.C 1681 section s-2 Please remove all inquiries of my credit report
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

Account Name : XXXX XXXX XXXX ASSOCIATES IN Account Number : XXXX UNAUTHORIZED INQUIRIES, PLEASE DELETE : XXXX OF XXXX XX/XX/year> According to XXXX XXXX XXXX ( XXXX ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Debt collection

Demanding money everyday. Im severely XXXX, can not pay. Some type of portfolio company? Number changes daily. Numerous request given to stop calling.
Product: Credit card or prepaid card

In accordance with the Fair Credit Reporting act XXXX Account # XXXXXXXXXXXXXXXX, 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: Debt collection

Contacted another individual about a debt that they say I owe. Never have they send me a written verification of who they are, who the debt belongs to. They openly shared my name, DOB, and medical facility that I went to.