23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX marked my account as late when my account is on autopay sent communications to XXXX, XXXX, equifax and XXXX XXXX XXXX XXXX. this resulted in me being turned down for credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT # XXXX, and I'm including it again. XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, GA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX TransUnion LLC XXXX XXXX XXXX XXXXXXXX, PA XXXX XX/XX/2020 Re : Letter to Remove Inaccurate Credit Information : To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) below to be errors. 
This letter is a formal complaint that inaccurate information is list on my credit report. 
The below information in my credit profile is having damaging effects on my credit standing. As you are no doubt aware, credit reporting laws ensure that bureaus report only accurate credit information. The inclusion of this inaccurate information is a mistake on either your or the reporting creditor 's part. Because of the mistakes on my credit report, I have been wrongfully denied credit, which was highly embarrassing and has negatively impacted my lifestyle. 
The following information needs to be verified and deleted from my credit report as soon as possible : XXXX/XXXX   XXXX XXXX XXXX XXXX XXXX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Fl XXXX XXXX XXXX, XXXX XXXX, Experian not reporting things right. First off Experian  company is by far the dumbest! Why did you take off XXXX credit card. Never asked you to do that! XXXX card was not fraud or open fraud or part of identity theft! Your company needs to pay attention big time. You leave the identity theft fraud on my report and take off XXXX you not to do. Your company by far the worst company I ever have to deal with! This is why I just got a lawyer and suiting big time. You still have 5 accounts from identity theft. 2 accounts from XXXX XXXX XXXX XXXX XXXX one account XXXX the other XXXX accounts on here after submitting a document from that company. They they dont have an account from me! Then after 4 times tell your company about identity theft to take off XXXX XXXX XXXX XXXX, XXXX XXXX credit card XXXX, XXXX XXXX, XXXX. Name is not right you still have it wrong its not XXXX a or XXXX XXXX XXXX its XXXX XXXX XXXX XXXX. I am a XXXX! Please get it right.
Product: Credit reporting or other personal consumer reports

I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.
Product: Credit card or prepaid card

I placed a pickup order at a Target on XX/XX/25. Since it was for the wrong store location, I canceled it within an hour of placing the order. The order was fully canceled and I never picked up the item. I had used a Target master card and called their customer service XXXX times since then to get a refund. The first XXXX times random reps told me it would take XXXX hours for the refund to be processed. It never happened. Third time it was escalated to some team, and they are telling me they do not know when this will happen. We are now in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  Finance/Personal XX/XX/2019 TransUnion XXXX XXXX Automotive XX/XX/2019 TransUnion XXXX XXXX Finance/Personal XX/XX/2019 TransUnion Hello, I have reviewed a copy of my current credit report and it shows the inquiries above are fraudulent and I have sent a copy of FTC report to request removal. I have not been successful and need these removed due to attempting to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX CAPITAL ONE N A ), and CAPITAL ONE. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ), XXXX XXXX ( Original Creditor : XXXX CAPITAL ONE N A ), and CAPITAL ONE with no XXXXful resolution. There was definitely an error on their part.
Product: Payday loan, title loan, or personal loan

I was unaware the is Company was not license in the state of Wisconsin..but the company went ahead and approved me for the loan with and interest rate 780.02 % ... I would like to get out of
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Formal Dispute of Unauthorized Account on Credit Report Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy and authorization of an account listed on my credit report. As per 15 U.S.C. 1681b, I have never provided written consent for the furnishing or acquisition of my consumer report information for this account. Therefore, its inclusion on my credit report is a violation of the Fair Credit Reporting Act ( FCRA ). 
The disputed account is as follows : Account Name : XXXX XXXX - XXXXXXXX XXXX XXXXXXXX Account Number ( Last XXXX Digits ) : XXXX Balance : {$5200.00} Status : Charge-off To resolve this matter, I request the immediate removal of this account from my credit report. Under the FCRA, you are required to investigate this dispute and provide results within 30 days. Please send me written confirmation once this unauthorized entry has been removed. 
Enclosed, I have included copies of my credit report highlighting the disputed account, along with proof of my identity for verification purposes. 
Thank you for your prompt attention to this matter. I look forward to your confirmation of resolution. 
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX
Product: Mortgage

You closed my previous complaint because you said " the company responded ''. PHH mortgage sent me a letter XXXX month ago ( XX/XX/15 ) telling me they were in possession of the {$1900.00} that they over XXXX on my escrow account and would refund that amount to my escrow account within XXXX days. They have NOT done so and are still in possession of my money. I need your assistance in recovering my money that they appear to be stealing from me. What is it this agency id here for if you can not protect consumers as you advertise? My previous complaint HAS NOT BEEN RESOLVED.
Product: Debt collection

To Whom it may concern, This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 

XXXX XXXX XXXX XX/XX/2016 Under the Fair Credit Reporting Act, 15 U.S.C . 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness. 

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. PLEASE DELETE ALL ACCOUNTS THAT ARE NOT METRO 2 COMPLAIANCE Please provide me with a copy of an updated and corrected credit report showing these items removed, I demand the following accounts be properly verified or removed immediately. 

PLEASE BE AWAR THAT DEPENDENT ON YOUR RESPONSE I MAY BE DETAILING ANY POTENTIAL ISSUES WITH YOUR COMPANY VIA ONLINE PUBLIC PRESS RELEASE INCLUDING DOCUMENTATION OF ANY POTENTIAL SMALL CLAIMS ACTION. I AM ALSO INCLUDING A COPY OF MY COMPLAINT TO THE ORGINATION BELOW : CC : XXXX XXXX XXXX XXXX OF XXXX CONSUMER FINANCIAL PROTECTION BUREAU CC : CONSUMER FINANCIAL PROTECTION BUREAU CC : XXXX XXXX XXXX  XXXX : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX CC : COMPTROLLER OF CURRENCY CC : XXXX XXXX XXXX CC : STATE REGULATORY AGENCY
Product: Credit card

I submitted a detailed 20+ page document outlining how I have been defrauded by Apex Trader Funding, a well-disguised Ponzi scheme operating out of Texas, for over {$65000.00} charged to my two US Bank cards XXXX US Bank has not fulfilled its obligation to protect consumers from fraud. I have only received partial chargebacks for some of the charges, and as of XX/XX/year>, even the small portion of charges that were reversed are now being re-applied to my account. 

Under federal law, it is US Bank 's duty to fully investigate ALL of the charges and provide a provisional credit while the matter is being investigated. 

So far, I have spoken to one person from US Bank who has attempted to resolve this matter : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX. 

The US Bank dispute department has failed to address ALL of the charges resulting from this Ponzi scheme defrauding me. And as of yesterday began adding charges back to my card that were under dispute. 

The two US Bank dispute department representative I have spoken with are : - XXXX for XXXX XXXX - XXXX XXXX for XXXX. XXXX
Product: Credit reporting or other personal consumer reports

I got an alert today from an unfamiliar creditor thats Ive had no knowledge of Ive been a victim of identity theft. So soon as I noticed it I added it on my ftc report
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the several time I've complained about being a victim of identity theft. The 3 credit bureaus must remove any item that was opened without my knowledge, consent, or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$510.00} ; XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$410.00} ; XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX Balance : {$210.00} ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have worked with my medical provider, who sent this to collections in XX/XX/XXXX. I was not notified that the collections had been assigned or who was assigned until XX/XX/XXXX ; when I was billed including interest since XX/XX/XXXX. This is an unfair and fraudulent practice as there was no way for me to pay the debt from XX/XX/XXXXto XX/XX/XXXX when I finally received the notice in the mail.

I have paid this debt ( {$850.00} ) in full ( conf # XXXX ).

I continue to receive letters for the original debt plus interest. This is fraudulent and harassing behavior.

Letter from XXXX stating paid in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are 3 unauthorized credit inquiries on my credit reports from CAPITAL ONE AUTO FINANCE from XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I did not authorize any of the inquiries from those dates.
Product: Student loan

On XX/XX/XXXX, I sat on hold for over XXXX hours. When I was finally connected with someone, they transferred me to a different department where I sat on hold for XXXX hour, XXXX minutes. I was then told they could not provide a status on my loan discharge, despite being approved for discharge in XXXX of XXXX. I was told to contact the XXXX. Of XXXX to check my status. When I contacted the XXXX. Of XXXX I was told they had sent my status to Mohela in XXXX of XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is inaccurate information on my report regarding the account XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, someone pretending to be me went into a XXXX store in Pennsylvania. They had an ID card with my name on it which XXXX used to identify their customer. XXXX then swapped my phone number to an XXXX  the thief in the store presented them.

Once this person had my phone number, and was receiving my text messages, they reset the password on my e-mail account, then used the access to my e-mail account, and one-time-text pin from CoinBase to access my virtual wallets.

Fortunately for me, my e-mail client was still receiving messages from Coinbase. I was able to click the " If you didn't request a password reset, click here '' button. Following that I was able to reach coinbase support person " XXXX '' on XXXX and she was able to lock my coinbase account.

Coinbase was able to restrcit my account before the thief was able to transfer funds. They requested that I open a new account with a secure e-mail address. I did this, uploaded proof of identification, etc ... and CoinBase responded that they would move my funds to this new account. This was again confirmed via chat with XXXX  on XX/XX/XXXX.

on XX/XX/XXXX I followed up with coinbase again. They advised me that my account was with their escalations team and it could take 45 days to be reviewed.

on XX/XX/XXXX I received a canned e-mail message from Coinbase asking me to go throught he same steps I had on XX/XX/XXXX when my account was initially compromised.

on XX/XX/XXXX I called again and was advised that there is nothing else I can do to escalate this. The phone operator " XXXX '' was unable to give me any further escalation points, contact information, or timeline on when I could expect information about the case.

on XX/XX/XXXX I followed up again with Coinbase via their online ticket submission portal.

It's now been 13 weeks since the account was attacked. Coinbase refuses to give me contact information for a person assigned to the case, they refuse to give me a timeline for resolution, they refuse to give me any expectations for when or how I will be contacted for resolving the issue. I have no other recourse to turn to resolve this via the company directly.
Product: Mortgage

I have a FHA loan through Freedom Mortgage. 
XXXX XXXX Cooperate office is XXXX XXXX XXXX XXXX, XXXX XXXX The office I am dealing with : Freedom Mortgage XXXX XXXX XXXX XXXX, XXXX XXXX Work : XXXX ext. XXXX Fax : XXXX Freedom Mortgage is hounding me on my F.H.A. loan. 
Starting XX/XX/XXXX the letters and phone calls became two and three times a week to refinance. 
XXXX of XXXX was a particularly pushy call ; I went around with this man explaining to him that XX/XX/XXXX the PMI would drop off my loan as I fell under the lock time for a permanent payment of the PMI. 
Since this call the letters and calls have changed and it seems the worth of my home has changed and then my monthly payments are not showing up ( Since XX/XX/XXXX I have had no problems ). 
This has all exacerbated to the point and many arguments and hours on the phone with them, the last call was quite interesting as I was informed that XXXX XXXX was my mortgage provider not Freedom Mortgage, they finally admitted that XXXX XXXX was their XXXX. I was also informed that the reason I will never be able to drop the PMI was there was no appraisal on my property! 
When freedom Mortgage took over my FHA loan the program they used was if the last appraisal was within 2 years they would sue that one which is for XXXX. They are using my original loan amount OF XXXX. 
Freedom is trying to defraud me with forcing late payments, no appraisal, and Enormous escrow " adjustments ''! 
They agreed to send me the recordings and the paper work that they are using to compare the paper work That I have so I started recording the conversations, this has been nothing but a XXXX Situation as I have been a homeowner since XX/XX/XXXX and have never missed nor been late on my house payments. 
Would you please look into this for me?
Product: Mortgage

Hello, I am writing to you today ( X/XX/17 ) to file a complaint against a mortgage company called ROUNDPOINT, out of XXXX, NC. This was my mortgage company, until we sold our home on XXXX XXXX, 2017. My mortgage was paid off and we finance a new home through a new mortgage company. At the time that my home was paid off in XX/XX/XXXX through Roundpoint my escrow was also renewed. My realtor had me contact roundpoint to see if they owed me a refund. Turns out they do. Approx {$430.00} worth. It is now almost XX/XX/XXXX and I have still yet to receive my refund from them. I have been given the runaround from them, they have told me they have mailed me a check, then I was told they did n't mail me a check so then they mailed me another check, I still have not received it, so then I called them back again so they issued another check, still did n't receive that one. I did however receive from them in the mail a " congratulations your home has been paid off. '' So I have managed to get mail from them, just not my refund. I called them last Thursday which would have been XX/XX/XXXX, and I threatened them that if they did not overnight me a check that I was going to file small claims court charges on them. The gentleman on the phone PROMISED ME that they were going to overnight me a check. Here it is Tuesday and I still have not received a check. Today is XX/XX/XXXX. I called them back again and the lady on the phone told me that they mailed me a check Friday ( X/XX/17 ). And then I should be receiving it sometime this week or next week. And I informed her that this is the fourth time that they have tried to send me a check that I am not receiving. I do n't know what else to do and I 'm looking for help. I am ready and willing to file small claims court charges effective immediately unless I receive my money in 48 hours. <P/>XXXX XXXX XXXX XXXX XXXX XXXX, In. XXXX XXXX Roundpoint acct # XXXX
Product: Vehicle loan or lease

I purchased a XXXX XXXX XXXX XXXX from XXXX XXXX, XXXX in XX/XX/XXXX. Due to the vehicle falling under the lemon law, the vehicle was purchased back by XXXX XX/XX/XXXX. At that time, XXXX was quoted a payoff amount of {$14000.00}. This was paid to XXXX XXXX XXXX XX/XX/XXXX. 

Due to the account not showing as closed on my credit reports, I contacted ACA. I was told that I owe approximately {$600.00}. The rep and the manager on duty told me this was for late fees. How can I have late fees if the account was current when it was taken back to XXXX. I asked for a print out of what I owe and the statement shows a credit of {$120.00} on the payment ledger. 
I called last week and was told that I owe approx {$150.00} for late fees. Again, my balance should be XXXX. 

I paid for an Extended Warranty and GAP Insurance. In the amounts of {$570.00} and {$540.00}. Those payments were refunded back to ACA on XXXX and XXXX. I received a letter from ACA stating this would be refunded to me but they have refused to do so. 

Attached you will find the XXXX bill which showed a balance due of {$660.00} and also the transaction history.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX my lawyer sent a letter to Fay Servicing that they provided incorrect information to the credit reporting agencies and to have it removed for both my mother and myself as we were both borrowers on the loan from XXXX. A DEED IN LIEU OF FORECLOSURE was provided by XXXX XXXX, XXXX who was my service provider with an agreement datedXX/XX/XXXX as recorded by the court in XXXX XXXX, Florida. Subsequent to the deed in lieu, the loan was erroneously transferred to Fay Servicing as the deed in lieu was executed prior to the transfer. 

Fay Servicing responded back on XX/XX/XXXX stating that they were in error of reporting the loan and they stated that on " XX/XX/XXXX the account boarded our system via transfer of servicing from XXXX. Prior to the transfer, a Deed-in-Lieu was executed however, we continued reporting the account as delinquent to the credit bureaus. '' They assured that it was removed from the credit bureaus and they would not report it in the future, however, I logged in to check my credit report while applying for an auto loan which I was denied for. I realized that Fay Servicing is still reporting the inaccurate information to XXXX - after 3 years later. 

I want this removed immediately as my credit has been damaged over the last 3 years due to Fay Servicing erroneous addition of this loan showing delinquent on my credit report. This should have been fixed when my lawyer addressed this back inXX/XX/XXXXand should have never been reported in the first place.