23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

American Financial Network continues to send me solicitations for mortgage loans, although I am on the do not contact list. This company has been warned before and continues to contact me. They mislead potential customers by claiming VA eligibility, although they are not affiliated with the VA in any way.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope I selected the right categories for the situation. I utilized Credit Karma and every week my scores are updated. My XXXX score went up XXXX point last week and out of nowhere it dropped XXXX points. I really don't know if Credit Karma is reporting accurate information. But if you all can provide me an accurate credit score I would really appreciate it.
Product: Checking or savings account

i have been banking with Chime since XX/XX/2020. I have had no issues with direct deposit or any other matters until XX/XX/XXXX XXXX i got an email at XXXX from Chime Member Services stating there was a request to update the email address and phone number associated with my account and the email clearly stated that if I didn't make this request to contact Chime Member Services immediately. I did so, I spoke to a woman and after she asked me questions to verify my account, i told her about the emails I received. I stated that I did not make any request to update my account because I have had it for close to two years. She made notations on the account and forwarded the request to the Support Team. She assured me that my account would be safe. Two hours later, I received an email and a text message stating that the account had been updated to a non existing email address and phone number. I was locked out of the account. There was two unauthorized transaction made totaling {$310.00}. I filed a dispute and was told there would be an investigation and if they hadn't come to final decision in ten business days, I would receive a provisional credit to my account. This was scheduled to be credited to my account on XX/XX/XXXX. I received an email on Sunday XX/XX/XXXX from the Dispute Team stating that they had completed the investigation and they found no errors and I would not be entitled to the provisional credit. On XX/XX/XXXX, someone was allowed to update the account a second time. Fortunately, no founds were taken but my account was suspended to two occasions and I had to submit photos of me holding my drivers license with a piece of paper with my full name, the date and the email address I wanted to update the account to. i was told my several supervisors that the person that hacked my account did not submit any documentation to update the account. I questioned them consistently asking why I had to send photos to update my account and the person who hacked my account didn't. I consistently got the run around, They have cause me a tremendous amount of stress and I feel I should be compensated for the unauthorized transactions that occurred in Nevada as I live in Florida. I have filed a police report and awaiting it delivery. There has been several conversations with the Dispute Team and Members Services and no one will give me an explanation as to why the decision to not refund my loss was provided.
Product: Debt collection

Repeatedly called to arrange payment when payment is not due nor past due. The most recent call was regarding when i would make payment for XXXX. Opened call by stating, " We recieved your payment on XX/XX/XXXX, and want to arrange payment for XXXX. My payment is due on the First of the month, every month. So because in this case it was due on Tuesday, and they received it Monday, they didnt count it for XXXX. If I mail payment date is on a weekend or holiday, they call the next business day to arrange payment. XX/XX/XXXX Sunday, and Monday was XXXX day, on XX/XX/XXXX they called to " arrange payment ''. I had to explain that because of the Holiday and weekend, the mail was probably running behind a day. Ive been cooperative, but the nonsense calls to remind me of payments that arent due is getting ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity had been compromise in recent and passed data breaches, accounts are showing in my credit report that do not belong to me, I want to report this in effort to clear my name and remove these item from my credit report, as well as preventing anyone else from opening accounts in my name. I will file a police report soon to support this report, please block these item from my credit file.
Product: Credit card

About two years ago I had filed a CFPB report due to an unauthorized Hard pulled due to the Credit department promising me that it would be a soft pull. Issue was resolved, and it was promised to be removed. Also, I had a late from XXXX XXXX that I was lead to believe would be changed. Those changes never occurred. I am a year from buying another home but I moved on. 
I noticed that on XXXX/XXXX/XXXX that I had a Hard Inquiry on my credit report. I cant believe that this is happening to me again. I called the Executive Line. The lady at first attempted to dismiss me, and wanted to transfer me to the Credit Department. I told her I will not speak with them since I have not requested credit. She looked at my file, and could not determined the reason for the Hard Inquiry. She asked that I emailed her with a copy of the Hard Inquiry on my credit report. I could have done that but had a gut feeling that she did not have a genuine interest in assisting me. Also, I was just offended that I would be stupid enough to ask for additional credit when I preparing to apply for a Mortgage. 
I have theory as to the reason for the Hard Inquiry, and just wanted to see if she could figure it out. On XXXX/XXXX/XXXX, Macys, billed me for a pair of eye glasses that me and my spouse never ordered. I had to call customer services, and shockingly was informed that my account was crossed with another account. Therefore, the cost of the pair of eyeglasses was reimbursed. The Macys rep stated that that the Items were ordered by another customer in Ohio I believe. Furthermore, I think the person who added this fraudulent charges to my account somehow did the Hard Inquiry. 
I love my Macys Card because it reminds me of when me and my Mother used to shop there. However, I cant keep having those issues. 


This is a XXXX XXXX statement : ACCOUNT ACTIVITYFilter XX/XX/XXXXAll TransactionsACCOUNT ACTIVITYDATE DESCRIPTION AMOUNTXX/XX/XXXX XXXXINTEREST CHARGE $ XXXX XXXXPAYMENT THANK YOU - $ XXXX XXXXMACYS.COM XXXX NY - XXXX XXXX XXXXMACYS.COM XXXX NY $ XXXXthis is a copy of the Hard Inquiry : MACYSAddress:XXXX XXXX XXXX OH XXXX ( XXXX ) XXXXDate of Request:XX/XX/XXXXAddress Identification Number:XXXXComments : Unspecified. This inquiry is scheduled to continue on record until XXXX XXXX.
Product: Debt collection

For over 5 years and 3 months now, I have had a collections account on my credit with the original creditor name of 01 XXXX XXXX and Caine & Weiner as the named debt collector for this debt that is not mine for the amount of XXXX. That is not a small number and because of this act of fraud it has resulted in me having a really bad credit score and frankly I've never heard of either of these named organizations and I sure don't owe them almost {$7000.00} for a debt I can't even tell you what for. The start date of the collection is said to be XXXX XXXX, 2016 at which time I had no active credit even ongoing so how I obtained a collection is beyond my understanding and all of which points to identity theft because it is very evident somebody used my ss number for something and then never paid it which is a highly common thing that fraudsters do when stealing peoples identity, they obviously don't pay the debts they illegally obtained. This debt is the reason my credit is so poor and me and my family are struggling to get a car loan, home loan and any financial assistance due to debt that was obtained by someone other than myself. The creditor and debt collection companies have both failed to provide me with signatures that would identity the debt to be mine and they have harassed me at work for long enough over debt I don't even personally owe.
Product: Checking or savings account

I bank with wells Fargo and they lacked sufficient information and attention on matters like deposits.
Product: Mortgage

I had a mortgage through Capital One Home Loans. I recently refinanced and the balanced was paid in full. Capital One has refused to send me the balance of my escrow account of nearly {$1000.00}. I have called several times and they just blow me off and say they will eventually. It has been over three weeks. If I did n't pay my mortgage within 15 days, I was assessed a late fee ( although I never was, because I pay my XXXX bills on time ). Why should Capital One not be subject to the same requirement?
Product: Debt collection

Monitoring the information on the 3 credit reporting agencies, the information provided by PRA is incorrect. 
Date opened : XX/XX/2018 I was homeless at this time. I was unable to receive mail. Yet according to PRA reporting, I opened a XXXX XXXX credit card? 

Payment history : PRA reports as though no payments were made on this account. However, under the recent payments tab it states {$47.00}. 

The information being reported is not factual and not a true representation of this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several credit card companies reporting false information to my credit report. As a result of this false and inaccurate information I am having adverse affects. This information being reporting inaccurately is causing my quality of life to be one of dispaear. I am demanding that the following credit card companies immediately remove all of these inaccuracies from my consumer report. 

Capital One XXXX Accounts 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: Credit reporting or other personal consumer reports

XXXX XXXX amount of XXXX l took several steps in resolving this problem with XXXX XXXX financial I am writing to you regarding a debt that has been wrongly associated with my name. 
My name is XXXX XXXX and I am a member of the XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the XXXX. I have recently become aware of a debt that is appearing on my credit report with XXXX XXXX XXXX XXXX which does not belong to me. It is a breach of my fair credit reporting act 15 USC 1692e ( 8 ) False or misleading representations FCRA 605B 15 USC 1681 l am giving my exoneration of this debt, not belonging to me and demanding immediate deletion of this inaccurate information or fraudulent debt.
Product: Credit reporting, credit repair services, or other personal consumer reports

These inquiries are causing a negative impact on my credit score, and I request that they be removed from my credit report immediately. I have reviewed my credit report and found that these hard inquiries were made without my consent or knowledge. ; XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have not applied for any new credit or loans recently. Under the Fair Credit Reporting Act, I have the right to dispute any inaccurate or unauthorized information on my credit report. I am requesting that you investigate these hard inquiries and remove them from my credit report if they are found to be inaccurate or unauthorized.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been a XXXX XXXX customer since XXXX and during that time, I have enjoyed my experience with XXXX XXXX greatly. I am writing to see if you would be willing to make a & quot : goodwill & quot ; adjustment to your reporting to the XXXX credit agencies. I have XXXX negative inquiries on the above referenced account that date back to XXXXSince that time I have been an exceptional customer paying every month on time.Because of my exceptional payment history over the last 6 months, I would like you to consider removing the negative inquiries from my credit report.At the time of the negative inquiries, I was in the process of changing jobs. I say that not to justify why the inquiries was over the utilization, but rather to show that the negative inquiries are not a good indicator of my actual credit worthiness. I hope that XXXX and XXXX is willing to work with me on erasing this negative inquiries from my Credit Report
Product: Debt collection

I XXXX XXXX along with my wife XXXX XXXX are in a position to file for a Chapter XXXX bankruptcy. However, as a means of pursuing a reasonable procedure to get out of debt over the next year without such a drastic step, we are requesting very low settlements in the 20 % range of where our debts were at the last payment. Accordingly, we believe that we only have one chance at this, and if we do not start receiving settlement offers soon, we will retain the bankruptcy attorney we recently consulted. Therefore, we request letters of settlement, and we request the cease and desist from all calls to our home, cell and/or work. We desire to resolve these matters in written form only.

Thank you for your consideration in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Mortgage

1. Accounting practices at Roundpoint MTG are unbelieveable 2. The accounting has described my Storm water tax as a : MUD/Utility Tax Disbursement b : Ground Rent Disbursement. They keep on changing this in their accounting system 3. They have successfully sent the payments in once before to the tax department without problems, however this time then sent my payment to the tax department with some other XXXX and loan info and incorrect address to the tax department. The Tax department by law could not accept the payment as they had all the wrong information associated with the payment. 
4. I called the Roundpoint Mortgage to advise of this and the Customer Service rep said she would put a note into my account and it would take 3 to 5 days to resolve this. I gave them 6 days and called this morning only to find out from the Customer Service person, that they tried to call the Tax department on XXXX XXXX 2016, and the phone was disconnected. I called the Tax department before I called Roundpoint Mortgage ( they still have not received my tax payment ) and the number was working just fine. 
The Customer service person said that he could not find the phone number to the Tax Department, and I explained that the Tax Department sent you the same Notice that they sent me, and the Phone number is printed on the front of the notice very clearly. I then gave him the phone number. He said he would make a note of this in my account. 
... 
So now, my taxes are delinquent because Roundpoint Mortgage sent my money to the tax dept with the wrong info. I have called twice to Roundpoint Mortgage and they say that they are going to handle this, which apparently they are not and Customer Service reps keep telling me that they will make a note into my account. While this goes on, I am being charged interest on my taxes daily until they are paid. 
This mortgage company is supposed to be paying my taxes through my escrow account, which seems they ca n't even do this correctly. 
I have attached emails from the Tax Department, my Tax notice and a screen shot of the activity on my mortgage where you will see the lousy accounting. 
I have bought and sold XXXX houses in my life and this is the worst mortgage servicer I have ever dealt with. 
PLEASE HELP! 
XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX
Product: Credit reporting or other personal consumer reports

I was granted debt relief from the XXXX XXXX  effective XX/XX/22 and the 3 major credit bureaus have yet to update my information on my credit reports, which is continuing to cause me and my family an extended financial hardship.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 late payments on my account because I attempted to pay it online repeatedly for an account that has been closed for 5 years but it is still effecting my credit score. I kept getting kicked off the site because of technical issues. I attempted to make my payment by using my phone at the time even since the website was having issues but was unable to because of the excessive long wait time. By the time I had time to make the payment the payment was late even though I emailed the company to assist me. They never called or sent me a bill in the mail so I had no other way of paying it. I have tried repeatedly to have the company remove the late pay history since its effecting my score and wasnt really my fault its just a difficult website. I have also contacted the credit bureaus but have not gotten the results i had hoped for there either. Please assist me in helping get this removed as it was not my fault. Thanks
Product: Credit card or prepaid card

I received my US Bank Reliacard ( for unemployment benefits ). I activated it, the card worked for several transactions, then stopped working on XX/XX/2020. I have money on the card that I can not access. When I logged on to my account, I found that the account features ( such as bill pay ) went away. I call the number on the card for customer service but can not get through to anyone. I tried to reset my pin via customer service call ; the initial recording says " you can only reset your pin through the automated phone system '' but the automated system does not offer an option for a pin reset.
Product: Credit reporting or other personal consumer reports

After receiving a copy of my credit report following a dispute, I noticed a few unauthorized inquiries on my consumer report. 
XXXX XXXX XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX
Product: Debt collection

I received a letter dated XX/XX/2021 from Glass Mountain Capital LLC. I did not give Glass Mountain Capital LLC permission to contact me. Glass Mountain Capital LLC used obscene language by alleging I owed a debt. The alleged debt is disputed. I do not have a relationship or contract with Glass Mountain Capital LLC.
Product: Credit reporting or other personal consumer reports

The XXXX XXXX XXXX for {$430.00} disputed in XXXX XXXX  is a hard inquire with no information and was also disputed in XXXX  XXXX XXXX XXXX XXXX {$490.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I am taking this opportunity to complaint about my credit and thousands of others like myself suffering from unfair credit reporting system. The banks ( especially credit unions ) are taking government funds with the name of consumers but never passing those benefits along. During pandemic this was the standard practice and I am one of many victims suffered financial set back from the banks absorbing the funds which was supposed to help pay for consumer debts. Not to mention banks are trying to double dip by collection and intimidation. 

Personally, I have lost jobs and stability from the beginning of pandemic. Struggled for 2 years to improve myself back to baseline just to find out my credit taking a hit because the so called non-profit bank is being greedy. 

This should be looked at by governing body, audited and bank must be held accountable for unfair practice.
Product: Credit reporting or other personal consumer reports

Subject : Request for Deletion of Inaccurate and Unverifiable Account Information Account XXXX To Whom It May Concern, I am writing to formally request the permanent deletion of the following account from my credit reports due to inaccuracies, lack of verification, and violations of consumer protection laws. 

Account Information Account Number : XXXX Creditor Name : XXXX XXXX XXXX XXXX XXXX Balance : {$26000.00} Credit Bureaus Reporting : XXXX XXXX Experian, and XXXX XXXX and Violations 1. Contradictory Reporting Across Credit Bureaus The account is reported as closed on all three credit bureaus, which violates FCRA Section 1681e ( b ). There is an inconsistency in the Date of Last Activity across the reports : XXXX : XX/XX/year> Experian : XX/XX/year> XXXX : XX/XX/year> These discrepancies indicate an issue with accuracy and verification, violating FCRA Section 1681i ( a ) ( 1 ).

2. Lack of Proper Verification The remarks indicate the account is disputed by the consumer and meets FCRA requirements. However, the creditor has not provided sufficient documentation or verification of the debt under FCRA Section 1681i ( a ) ( 5 ) and FDCPA Section 809 ( b ), meaning the information should not be reported.

3. Medical Debt Reporting Without Proper Validation The account is noted as a medical debt, but there has been no verification provided that this debt is valid. Under FDCPA Section 809 and FCRA Section 1681i ( a ) ( 5 ) ( A ), a creditor must verify the debt before it can be included on the credit report.

4. No Reporting of Payment History or Past Due Amount The credit bureaus do not report a payment history or past-due amount for this account. This lack of information further demonstrates that the account is unverifiable and should not be reported under FCRA Section 1681i ( a ) ( 5 ) ( A ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing these student loan errors for several months now. I was denied a home loan because of the way they're reporting. Some are stating their closed but 120 days late, or charged off and late. They have been paid for the past XXXX yrs. I'm a XXXX XXXX XXXXXXXX veteran and had them all forgiven. I had to use a sub-prime lender to get my home finished and had to pay 5.5 %!! It's hurting me financially, I'm trying to refinance with my VA loan but this is still reporting errors and I've called and written letters to no avail.
Product: Money transfer, virtual currency, or money service

XX/XX/XXXX- I wired {$7500.00} to my husband 's Coinbase account from our mutual bank account. 
XX/XX/XXXX- Coinbase rejects the wire. 
The money is gone from my bank account and not in my Coinbase account. 
Coinbase emails XX/XX/XXXX stating rejected wires take 2-5 business days or longer. 
After 5 business days I contact my bank to obtain the money from Coinbase. XXXX states it will take 2-10 business days to get the money back. 
XX/XX/XXXX XXXX states Coinbase has not responded to the wire recall request. 
All email attempts are met with a response from Coinbase stating they are working on it.
Product: Money transfers

supossedly I was sent a text message from an attorney telling me that if I did n't pay XXXX via money gram I would be arrested they said I owed money to a company called XXXX but I was lied to and do not owe any money to them what so ever