23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

The purchaser of our FHA mortgage, RoundPoint Mortgage Servicing Corporation, refuses to pay our special assessment ( Front Foot Benefit Charge ) from escrow despite collecting the amount each month. XXXX XXXX XXXX XXXX, Chapter XXXX, XXXX XXXX ( D ) ( XXXX ) states clearly that special assessments are required by XXXX to be escrowed. More so, XXXX XXXX XXXX, XXXX XXXX, XXXX A ( XXXX ) ( a ) ( XXXX ) ( A ) is unequivocal when it states : " The Mortgagee must collect a monthly amount from the Borrower that will enable it to pay all escrow obligations in accordance with XXXX CFR XXXX. '' Special assessments are listed as an obligation. 

This item was correctly accomplished during the establishment of our escrow account by the original mortgagee, XXXX Mortgage XXXX XXXX XXXX, as noted in XXXX XXXX, for a monthly payment of {$100.00} ( for the annual assessment of {$1200.00} ) as required by para XXXX. However, the following attachments will provide the information required to show that RoundPoint Mortgage is not meeting its XXXX obligations for this government-backed mortgage. 

Atch XXXX is the current mortgage statement. It clearly shows a payment in accordance with XXXX XXXX. Atch XXXX is the current escrow account. Atch XXXX is our current property tax bill. XXXX XXXX is the home insurance. Atch XXXX is the escrow analysis that RoundPoint accomplished which does NOT show the special assessment that is being collected. Please note that RoundPoint is collecting property tax that is 23.69 % higher than required per XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  Account " XXXX XXXX '', " XXXX XXXX XXXX A '', " XXXX XXXX '', " XXXX XXXX XXXX  XXXX '', '' XXXX XXXX '', has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX ; XXXX  and Transunion should not be reporting that I am ( 120-180 ) days late on the XXXX partial account number XXXX. ( Please see page attached from my credit report as well as a copy of my Drivers License and SSN card for identification purposes to proceed with the investigation of my complaint. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

I FILED A DISPUTE IN REGARDS TO THE INCORRECT ITEMS ON MY CREDIT REPORT, AND IT HAS BEEN WELL OVER 30 DAYS AND I HAVENT RECEIVED ANY INVESTIGATION RESULTS.
Product: Credit reporting or other personal consumer reports

It has come to my attention this company has furnished a late payment to my consumer report. For the month of XX/XX/2024 XX/XX/2024. 
The FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Also Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. 
I HAVE NOT provided this company any writing permission. to furnish any of this information.
Product: Mortgage

My husband and I were residing at XXXX XXXX XXXX XXXX, we had financial difficulties due to a high risk XXXX XXXXXXXX. Wells fargo did not work with us. We found buyers the week before the sale and wells fargo declined the offer, foreclosed on our home and sold the home after our home was foreclosed to the same buyers who offered to buy it. We lost our home and was forced to vacate with XXXX XXXX XXXX XXXX XXXX XXXX XXXX My contact number is XXXX
Product: Money transfer, virtual currency, or money service

I have a saving account in HSBC Bank.

I did an International wire transfer to a bank account in XXXX on XX/XX/XXXX. 

The amount has not yet been received by the receiving bank. They need wire details to see if the transaction actually happened but HSBC continuous to deny the details of wire transfer to me, indicating that they are hiding something and have taken my hard earned money.

See below the response. I tried calling the number they have mentioned multiple times with no luck, it keeps circling and eventually hangs up.

Clearly HSBC does not have good intensions about safeguarding my money. 

See below the communication I have received on XXXX XX/XX/2021. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Dear XXXX XXXX, Thank you for contacting HSBC Bank USA, N.A. 

We have received your BankMail inquiry with regards to the wire transfer initiated from your account on XXXX of XXXX for the amount of {$3000.00}. 

Upon checking we see that the wire transfer is processed from our end and the recipient should have had the funds credited to the account on or before XXXX of XXXX, 2021. 

Here 's the confirmation code for the transfer : XXXX. 

Request you to check with the recipient or the recipient bank once and if in case the funds have not been credited to their account, We recommend you to contact us at XXXX XXXX - XXXX M-F, during the wire room working hours, the team will transfer to the wire room so that they should be able to check this for you. 

You can also reach out to us via webchat as we are available XXXX. 

Beginning XX/XX/2021 we have made it faster and easier for you to get help with your service needs when you navigate to Messages in your HSBC Mobile App. Instead of sending us a BankMail/Message when you need help, you can now chat with us in real time. You will still have access to all of your incoming messages. You may still send BankMail/Messages in Personal Internet Banking at this time. Be sure to check your app store to ensure you are on the latest version.

Thank you, HSBC Bank Mail Team HSBC Bank USA, N.A. 2021. All Rights Reserved.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy confidentiality under 15 USC 1681. Account name : XXXX XXXX XXXX XXXX ( debt buyer ) Account # XXXX, 15 U.S.C 1681 Section 602A. States i have the right to privacy 15 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 U.S.C 1681c Section ( a ) ( 5 ) Section states no consumer reporting agency may make any consumer report containing any of the following item 's information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681 ( s-2 ) ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate
Product: Credit card

re : kohls credit card i never had one someone using my information We have called and written kohls and thought we had fixed and asked them erase any/all of my info then get a new credit card in the mail immediately cut in half and filed then we get billing saying i charged 3 times at XXXX texas store on XX/XX/XXXX  they may be same person who stole and is using my info ( like they did at XXXX  as outlined in my previous complaint ) I am billed by kohls for 3 purchases on XX/XX/XXXX  of {$13.00} and {$110.00} and {$25.00} total {$150.00} on account # XXXX do not have a kohls card did not make these purchases and kohls is not listening
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX and XXXX XXXX  have 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

With " Accordance to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a duty to insure that consumer reporting agencies exercise their responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' XXXX, XXXX, Experian are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 that states " In general subject subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the consumer reporting agencies XXXX, Experian and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, Experian, XXXX ( furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless, the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never was i informed of my right to exercise my nondisclosure option. Not only that 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information, any other adverse item of information other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law, 15 US Code 1681s-2 ( A ) ( 1 ) which states " 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. 15 US Code 1681 ( e ) states " Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this title. '' XXXX, Experian and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states " That a consumer may exercise the right to opt out at any time. " I am opting out of your reporting services ''
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. XXXX XXXX. XXXX XXXX XXXX XXXX XXXX I have the right to privacy. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Vehicle loan or lease

On XX/XX/XXXX2024, I made an over {$3000.00} down payment towards a XXXX XXXX XXXX. My payments ( XXXX XXXXXXXX ) began in XX/XX/XXXX 2024. By XX/XX/XXXX2024, life happened. In XX/XX/XXXX 2024, my home owners increased by XXXX XXXXXXXX due to XXXX XXXX. Between XXXX and XX/XX/XXXX2024, my wife had a XXXX XXXX XXXX, respectively. As a result of these two procedures, I had to take time from work to help her convalesce. Therefore, my bills ( including my vehicle payments ) got behind. I reached out to Ally ( vehicle loan lender ) for payment assistance. I was told that in order to get assistance that I had to make 6 consecutive payments in a row. Upon making late payments, I noticed that finance charges, which were applied by Ally, ranged from XXXX XXXX  {$900.00}. These fees are nearly 30-90 % of my monthly vehicle payment. These exorbitant fees inhibit my ability to keep up my monthly vehicle payments. In XXXX, I made a {$2300.00} thinking I would be caught up, but had to pay {$1300.00} in XXXX and still was not caught up. These outrageous finance charges are unfair. Its very difficult to maintain a stable payment schedule.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the Person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

I have disputed with Penny Mac loan services on a mortgage note that was in mine and my ex husband name. We divorced in XXXX and I have legal documents per my divorce decree that my ex husband was awarded the house and I would be held harmless from all the debt. My ex husband was in the process of selling the house at the end of XXXX and he did not make the last XXXX pmts making him 60 days late. Now it is showing on my credit. That was not my dept and I should not be liable. I was paying my own rent on time. I have no missed payments on my credit. I would like for PennyMac to remove this issue. I have made a dispute with them and they have denied my dispute. I can not get a loan from any XXXX because it looks like that this is my debt and clearly is not. 
Please help.
Product: Payday loan, title loan, or personal loan

I contacted this firm opp loans several times XX/XX/2019 and XX/XX/2019, as a consumer regarding the high interests rates being charged on my loan. I informed them that military spouses and familys ( my husband is XXXX XXXX ) that we are protected against high interest rates. They informed me that they needed proof to review my interest rate. They then informed me that spouse loans are not covered under the military lending act and was notified by their legal department. My current interest rate is 159 % on short term installment loan. Please assist
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX, XXXX {$6100.00} There is no contract, no valid claim ... account was settled with creditor by insurance carrier and has been confirmed, grave errorfalse claim and reportingI want this account removed immediately or litigation may follow. Debts can not be collected twicethis is unlawful Yet again, you continue to report this and failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested. Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they " verified '' without providing any proof, bearing my signature. 








XXXX XXXX XXXX {$280.00} ( late payment ) I have never been late, and this was confirmed, and error should be removed per XXXX XXXX, and XXXX XXXX has stated that they never confirmed late payments, and apologized for any errors they may have  made ...
Product: Credit reporting or other personal consumer reports

This bank of america loan with XXXX has been paid off a month ago and they continue to show a balance which affects my credit. it was a XXXX XXXX XXXX silver car show it XXXX balance. 2nd time reporting this. 

BANK OF AMERICA , N.A . 
Balance details 63 % paid off Balance {$11000.00} Balance updated XX/XX/XXXX Original balance {$30000.00} Account info Account number XXXX Open/closed Open Date opened XX/XX/XXXX Account type Auto Loan Payment summary XXXX XXXX XXXX XXXX XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX - XXXX XXXX - XXXX - XXXX - XXXX-
Product: Credit card

The date is XX/XX/XXXX. I saw there was a cash back offer of XXXX on my Amex account. So I added that offer to my account, and read the terms carefully. And then I used the link provided by Amex to book a hotel on XXXX. The amount is XXXX usd and the hotel name is XXXX XXXX XXXX. In the end I didnt receive the offer. I asked customer service why I didnt get cash back. They used several different excuses trying to prove I was ineligible for it such as the hotel was not in the list, I didnt book it on XXXX After I showed proof to all of this, they started to say I didnt book it using the link as they thought this is a thing thats hard to prove. However I indeed have a screenshot of the confirmation page showing that I was redirected from Amex app. The screenshot shot was the confirmation page after I made the payment. On the left top corner of that page, it showed that I was directed from Amex. Their statements contradicted with each other and all they intend to do is to find whatever reason to stop me getting the cash back
Product: Credit reporting or other personal consumer reports

I no longer host possession of this credit card. According to FCRA 605B, it is illegal to report information on my credit report without my permission. This is a defamation to my character and I would like this removed immediately. A Fair solution would result in removing this inquiry altogether.
Product: Checking or savings account

This morning I attempted to access my money market account to authorize a transfer for a future date. My money market is with " XXXX '' - formerly XXXX XXXX formerly XXXX XXXX XXXX My regular log in no longer works, I requested a new pincode to be sent to my email. After 10 minutes I called the number to get a reset. I spoke with a representative on a recorded line who instructed me to clean my cookies- this did n't work. I was then instructed to change my browser- this did n't work either. The representative told me that since this was the first week, there were a few bugs in the system as they launched the XXXX brand. 

I spoke with a supervisor, who apologized, but could n't resolve the issue. He said I could make transfer with telephone banking. This is not acceptable. 

I checked my email a few moments ago and received a pincode sent at XXXX this pincode expired within 15 minutes. 

This bank is making it impossible to access my funds. They should not be allowed to launch an inoperable system. 

I do n't have high expectations for Goldman Sachs and their shoddy and shady XXXX XXXX practices -- their inability to change a system that worked fine to " rebrand '' and thereby making it challenging for consumer to access funds, goes beyond the pail.
Product: Credit reporting or other personal consumer reports

Months ago, I sent a letter to the three credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX