23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

this account was opened on XX/XX/XXXX i disputed XXXX XXXX on XXXX again on XX/XX/XXXX and again on XXXX the account still remains on my credit report. i am a victim of identity theft. I was notified by the XXXX XXXX XXXX XXXXe and component of the United States Department of Justice that my personally identifable information have been exposed in a security breach. This account I didn't apply for so it needs to be disputed. I have added supporting documents that's needed to be removed.
Product: Checking or savings account

{$150000.00} was taken from my checking account. This was done in increments of {$50000.00} each. XX/XX/2020 Robinhood Funds. XX/XX/2020 Robinhood Funds. XX/XX/2020 Robinhood Co Entry. These were unauthorized. I had no contact or knowledge of this company.
Product: Debt collection

I recently pulled my credit reports and saw multiple collections that are absolutely fraudulent and should be immediately removed from all my credit reports! 

this third party debt collector is violating my rights. My consumer report is inaccurate and unfairly reported. LVNV FUNDING LLC company, took information from an alleged creditor then reported this inaccurate information on my report without consulting me to confirm whether this information was accurate or not. 

i never received a copy of the contract between them and I and I never give my consent for them to do such things without verifying.
Product: Credit reporting

Equifax 's processes and policies are inefficient and biased due to the confusing and misinformation that they provide. Bankruptcy information should be reported once as a court account not individually as credit accounts. This is misleading and shows multiple negative accounts under Credit Accounts. No other reporting agency reports this way, which explains the dramatic difference in my credit rating with Equifax , over XXXX point difference. This illegal practice is given further power because Equifax fails to provide any differentiation on their reports between " Negative '' and " Positive '' accounts. Equifax , who primarily services the southern states, policies, procedures, reporting and therefore scores are far different from and more erroneous than the other XXXX major bureaus, and I feel are down right criminal in nature. I 've reported this agency more than once, and I 'm sure there are millions of other Americans as well. Please do something definitive to help with correcting the wrongs of this agency. I suggest termination.
Product: Payday loan, title loan, personal loan, or advance loan

Daughter passed away XXXX was paying on time had great job no problems. 
XXXX XXXX present. tried to make arrangement but didnt have a stable job. the calls kept coming. One Main Financial.
Product: Debt collection

I reached out to Debt Recovery solutions on a derogatory collection on my credit. I was never sent any notice to pay, and I do not remember ever using the original creditor. I disputed with the XXXX XXXX and they say it is valid. I then offered DRS to pay in full the amount owed for a deletion of this from my credit report on the grounds that I never received notice, they declined. All I want to do is pay this in full now that Im aware and this be removed from my credit. The outstanding is {$73.00}
Product: Debt collection

On XX/XX/2019, I noticed a new collection showing on my XXXX credit report. I called them to find out what it was for, and they stated it was a water bill for a home in texas. I did live in XXXX XXXX Texas so I did recall the bill, but never received proper notice of this debt. 

I asked what address they sent the notice to and ironically they sent it to the same address the services were provided, which of course I never received because it moved to California. I agreed to pay the debt and they agreed to remove the account from my credit report. This was in XX/XX/2019. 

Well as of XX/XX/2019 they never updated my credit report and it still showed that I owed the balance. They never even updated it. I disputed it with XXXX   and XXXX verified the account as accurate but updated the account as if I paid it in XX/XX/2019, instead of XX/XX/2019. I argued with XXXX that this should be deleted and they told me to take it up with the creditor. 

I called Collections Unlimited 7 times on XX/XX/2019 and everytime I pressed " 0 '' for the operator I kept getting looped back to the main menu. I was never able to get a live person on the phone, so I have no choice but to ask the CFPB for help in resolving this matter.
Product: Debt collection

I received a collection letter from Convergent Outsourcing Inc . They claimed i owed XXXX XXXX {$430.00}. I called XXXX to verify and they ensured me that my XXXX account was closed and no past due balance on it. I am very worried and scared this will mess up my credit report. I also accidentally gave them the last 4 of my social. This is fraudulent, please stop them from doing this to other people.
Product: Debt collection

In XX/XX/2017 I checked my credit report and seen I had two collections from XXXX XXXX XXXX XXXX in XXXX, CA. and a Debt Collector by the name of Rash Curtis and Associates had the Collections. I contacted Rash Curtis and Associates about this matter to inform them that these debts were not mine and I've been a victim of Identity Theft. I asked them to research my whereabouts because I live in Alabama and that's where I was in these debts took place. The Associate at Rash Curtis and Associates didn't say much and hung up the phone. I've tried to dispute these charges from XXXX  a few times but nothing is being done about it. The debts still remain on my Credit Reports to this day.
Product: Checking or savings account

I am following up on my complaint against Chase Bank because they still have not provided a clear resolution. Today, XX/XX/XXXX, at XXXX XXXX, I received a call from Chase Bank executives. The person I spoke with was XXXX. Chase Bank offered a resolution, asking if they could now send the funds back to the original sender. I denied this option because I had already suggested it earlier when I was trying to resolve the issue, and Chase Bank refused at that time. After months of making me wait, dealing with financial stress, and having to borrow money just to get by, Chase Bank is now suddenly offering this as a solution. This is not acceptable because my issue is no longer with the sender it is with Chase Bank and how they have mishandled this entire situation from the beginning. 

Chase Bank also asked if any agent had ever notified me that my funds were being held because my XXXX  was registered after the check was issued. Chase Bank also mentioned that there were things on a surface level, which made it seem like they still arent being fully transparent about why my funds are being held. 

This entire experience has caused me serious financial hardship. I have missed bills, accumulated late fees, and had to borrow money just to stay afloat. On top of that, Chase never mentioned anything about my request for {$8000.00} in compensation. Chase Banks continued failure to address this issue shows clear neglect. They have disregarded my financial well being, ignored my compensation request, and allowed this situation to drag on for months with no resolution. Their lack of urgency and accountability has not only caused me financial strain but has also created unnecessary stress that could have been avoided had they handled this properly from the start. If Chase Banks continues to delay I have no choice but to pursue legal actions. 

I am asking for CFPBs urgent help in holding Chase Bank accountable and ensuring this matter is resolved immediately. 

Sincerely, XXXX XXXX XXXX ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a vehicle loan for 14 months, and I have paid excellently, but it is not reflected in XXXX or equipax, it only appears in XXXX, according to XXXX  and equipax I do not have open accounts and they are denying me all kinds of credits for the information they were providing from my credit
Product: Credit reporting, credit repair services, or other personal consumer reports

There is an account on my credit report that isn't mine. I tried calling the merchant, and they indicated to dispute it, and that they do not report anything to the credit bureaus. So, either the credit bureaus are lying, or so is the merchant, or both. Please remove it immediately as this is a violation of the Fair Credit Reporting Act
Product: Mortgage

We were affected by hurricane Irma in XX/XX/2017. Roundpoint mortgage offered for us to make minimal {$100.00} payments for 3 months. They told me that at the end of the three months, I would have the choice to pay in full, make a payment plan, or request to have the 3 months added to the end of my loan. I was also told emphatically that this would not affect my credit, it would not be reported to the credit agency and I would not receive late fees. 
In early XX/XX/XXXX, I called Roundpoint to start the request to add the 3 payments to the end of the loan. I filled out the paperwork that I was told to complete and sent it in promptly. 
We resumed our full payments on the first of the month starting in XX/XX/XXXX and have made each of the subsequent payments in full and on time. 

The issues that we are complaining about are : 1. Roundpoint has submitted delinquency to the credit agencies resulting in an immediate drop in our credit score of over 100 points. We are due to close an SBA loan any day - this change in credit will likely cancel this opportunity that our business desperately needs. 
2. We have been repeatedly charged late fees. 
3. This has been the most difficult loan process that we have ever been through. We have had many mortgages in our lives and also work as Realtors and have assisted many of our clients through the lending process and we have never been through such a ridiculous and difficult process. We did the same loan modification with our business mortgage after Hurricane Irma and it was 2 papers to sign and notarize. 
I have responded immediately to every phone call, letter and email. 
Roundpoint has asked for a new and different list of documents on nearly a weekly basis for over 4 months. I have provided them each time with what they have asked for. But every time, there is a new list. Most of the staff at Roundpoint is now sympathetic when we speak and can not understand why they are asking for things that I've sent, or more documents. These staff members are in shock themselves, and always promise to help me resolve this. And then I never hear from that person again. 
We need to have our file submitted to their investors, but they will not or can not submit it because there are " missing documents ''. Yet every time I spend hours getting more missing documents, there is a new list the following week. 
Now they are selling our Mortgage on XX/XX/XXXX and I'm told the process will start over. 
I have done everything they have asked over and over again. I am making my payments. I have never been late on any loan payment EVER other that after Hurricane Irman - but then only with permission from the lenders. 
HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

Accounts first delinquency date is XX/XX/XXXX. 
Account was to be removed on XX/XX/XXXX according to Experian report as well as the customer service representative I spoke with in XX/XX/XXXX. Now account removal date has been removed the date of first delinquency is still listed as XX/XX/XXXX but the historical column show date of first delinquency as XX/XX/XXXX. XXXX I called Experian back on XX/XX/XXXX to inquire about this and request the account be removed in accordance with the reporting rules and the statement of the Experian representative in XXXX, the representative said that the account will now be removed in XXXX of XXXX because the first date of delinquency is XXXX of XXXX which is factually incorrect. The date of first delinquency clearly is and is listed listed as XX/XX/XXXX.
Product: Mortgage

On XX/XX/XXXX I paid my mortgage of {$1400.00} charged under title of Lakeview Loan Servicing. The payment was processed by my bank on XX/XX/XXXX. On XX/XX/XXXX I woke up and had another {$1400.00} charge on my account from LAKEVIEW XXXX XXXX XXXX XXXX ( a title Ive never seen before on my Lakeview charges ). I called customer service asking whether this charge was on their accounts and they could not find the account and only stated that maybe the payment was my XXXX payment, which makes no sense as it is XX/XX/XXXX. I then suggested maybe my data was stolen in the data breach that just occurred and they transferred me to the data breach help line and they did nothing to help me get my {$1400.00} back even though they confirmed my data was compromised.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Debt collection

XXXX XXXX {$500.00} CONTRACT WAS CANCELLED. NO CONTRACT
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX Subject : Follow-up Complaint Failure to Correct Inaccurate Reporting and Verification Issues Dear CFPB Representative, I am writing to aggressively follow up on my initial complaint regarding inaccurate and conflicting reporting on my credit report by XXXX, XXXX, Transunion. The account in question has been improperly verified, and no corrective actions have been taken to align with the Fair Credit Reporting Act ( FCRA ) 611, even after my formal dispute. This lack of resolution is unacceptable. 

Despite my previous complaint, the following inaccuracies remain : XXXX XXXX XXXX XXXX XXXXXXXX 1. Charged-off account still reporting a balance Violates proper reporting guidelines as charged-off accounts should not carry balances.

2. Multiple Date Opened entries Three conflicting dates are listed, contributing to erroneous reporting.

3. Past Due Amount listed on a charged-off account An inaccurate status that misleads the creditworthiness of the account.

4. Inconsistent dates for key account events : Date Last Reported Comments Section Date of Last Payment Date Last Active Date Opened Account Type This mishandling of data reflects non-compliance with the FCRAs requirements for accurate and fair reporting. The continued presence of such discrepancies on my credit file directly harms my credit profile and financial opportunities.

I demand that the CFPB take swift action to investigate this matter thoroughly and ensure that [ XXXX, XXXX, Transunion ] corrects the reporting immediately. Additionally, I request that all inaccurate data related to this account be promptly removed or corrected to reflect the correct information. 

Should this matter remain unresolved, I will explore all available legal avenues, including filing additional complaints with federal and state agencies or pursuing legal action, to ensure that my consumer rights are protected. 

Please treat this letter as a formal and urgent request for action. I expect a written response within 15 days confirming the specific steps taken to resolve this issue. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to these inquiries and firmly suspect they are fraudulent. I implore you to carry out a thorough investigation and promptly delete them from my credit report.
Product: Money transfer, virtual currency, or money service

On XX/XX/23, I called BOA XXXX XXXX and initiated the following XXXX fraud claims : # XXXX ( XXXX & XXXX ) # XXXX ( XXXX, XXXX & XXXX ) total {$3000.00}. 

Bank of America will not refund the monies. I sent it to a real estate imposter. I notified everyone immediately once I found out as explained in my email string below. Im sure a hold was placed by the other bank ( s ), enough time to refund my money. Also I asked numerous times for the investigators contact info and I informed I couldnt have it and a message was sent to contact me. I never was contacted at all!

I am XXXX with cognitive decline. You can see how many times recently Ive lost my debit card.

Since BOA will not refund my monies,
Product: Credit reporting, credit repair services, or other personal consumer reports

I called to speak to an agent to fix the problem, I also sent certified letters and their customer service would not help and take care of the negative inquiries reporting to your credit report. 

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 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
Product: Credit reporting or other personal consumer reports

I have been attempting to contact your department since XXXX via mail, alerting you to the presence of an inaccurate and misleading entry on my credit report. However, even after obtaining an updated copy of my credit report today, this erroneous item persists. That's why this time I raised this concern via CFPB.
Product: Credit card

I am writing to formally lodge a complaint against Bank of America regarding an issue I have encountered with my account. I have diligently paid my monthly payments on time, but to my dismay, I have been charged an unreasonable amount of {$250.00} as interest charges and an additional {$39.00} as a late fee for payment due. 
I reached out to Bank of America 's customer service department via phone, and I spoke to manager XXXX XXXX on XX/XX/2023 to address this matter. During the conversation, I explained the situation and expressed my concern about the exorbitant charges that were levied on my account. I kindly requested for the fees be waived, given my track record of consistent and timely payments. However, to my surprise, the customer service representative declined my request and refused to consider waiving the fees. 
I believe that the charges imposed on my account end with ( last XXXX digit XXXX ) are unjustified and not reflective of the responsible financial behavior I have maintained. The interest charges and late fee are not only excessive but also seem to contradict the principles of fair banking practices and customer relations. As a loyal customer who values transparency and integrity, I am disappointed by the bank 's response and lack of willingness to accommodate my legitimate concerns. 
I kindly request your intervention in this matter. I trust that the ( CFPB ) is committed to upholding fair banking practices and ensuring that consumers are treated fairly. 

Thank you for your attention to this matter! 

Best regards XXXX XXXX
Product: Credit card or prepaid card

I reviewed my credit report and there are 3 agencies listed on my report for credit cards I have no responsibility to. I spoke to XXXX ( XXXX ) on 2 of those accounts that belonged to my deceased father in law ... and they agreed that they needed to remove it from my credit report and it was their error. I spoke to them today XX/XX/2023. 
However, the other item reported is by capital One Walmart account that is also my father in laws account. He was the responsible party on the account... he had a card issued to me under his account only for me to buy his items once he become immobile. I again was only an authorized user and not responsible party. I spoke to the capitol one credit department. They said they would work on the situation and send a letter to me with their decision. It is wrong in so many ways .... I am trying to rebuild my credit and this has hurt me severely. I want it removed immediately. They already have said I was not the responsible party so why do they get to leave it on my credit reports??? It is harmful to my livelihood and credit opportunities. My name is XXXX XXXX XXXX is my phone number. Please contact me on how to get these negative reports dealt with.
Product: Credit reporting or other personal consumer reports

This is one of my multiple attempts to notify credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 
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 XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed several unauthorized credit inquiries that I did not initiate or authorize. I am writing to formally dispute these inquiries and request their immediate removal from my credit report. 

The unauthorized inquiries are as follows : Company Name : [ XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, RI XXXX Date of Inquiry : [ XX/XX/2023 ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX BANK XXXX XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX, VA XXXX ] Date of Inquiry : [ XX/XX/2023 ] Reason for Dispute : Unauthorized inquiry Company Name : [ XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, RI XXXX ] Date of Inquiry : [ XX/XX/2023 ] Reason for Dispute : Unauthorized inquiry I have not authorized these inquiries and am concerned that they may be the result of fraudulent activity. Therefore, I kindly request that you investigate and remove these unauthorized inquiries from my credit report immediately.
Product: Money transfer, virtual currency, or money service

So this isnt a company its actually a person from the XXXX. He scammed me saying he would give me some account for money. So I paid him and never received anything. Please send me my money back. Its set as friends and family because he said to put it there, you people are my last hope to get anything back from this scammer. Please help me