23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

RoundPoint Mortgage Servicing has repeated " lost '' my home owners insurance policy each year. Each year I resolve this only to have it happen again. This has gone on for 3 years. They are employed by XXXX whom is known for taking on " high risk loans. '' RoundPoint is renown for missing payments, losing payments, losing escrow or insurance payments etc. It seems this would be an excellent way of XXXX companies working together to make predatory investments. By missing payments, losing payments, etc the homeowner would be forced into penalties and payments that they may not be able to make. In my case they clearly laid out their intentions by threatening to move my insurance to a company of their choosing at whatever rate it happened to be after RoundPoint deliberately lost my insurance policy for a 3rd year in a row. A policy that has been with the same company for 6 years and was able to be renewed for the 3 years with the prior loan servicer without any issues or intervention on my part.
Product: Credit reporting, credit repair services, or other personal consumer reports

Trans union keeps changing my credit score by XXXX plus points on information that is not correct. I don't do any thing because it is an ongoing thing. I am tired of my scores dropping because the company can not keep its records straight. Why am I over XXXX with one company and in the low XXXX with Trans. I don't get it. They seem to do as they please. This affect my life. If it didn't I wouldn't care but it does. Do I believe this will make a difference, No. If I don't say anything, I have nothing to complain about, if nothing is done. These credit companies can not be allow to do as they please with peoples personal information. Tired of lies and misinformation about me in the public arena.
Product: Checking or savings account

Deposited a check XXXX before XXXX. as of today XX/XX/11 funds are still not available. I called and they said check us on a authorization hold ... because of the other bank. this is XXXX because there were 3 other checks written to other family and the other 2 cleared, so it's not the issues bank, its 53. It has never taken this long for check to clear. Max is 3 days. I have to wait till next Friday, 11 days. I have Bill 's that I will now be late on because 53 is holding my money captive. NO where in there terms does it says it takes this long. Please look into this for me. its illegal
Product: Credit card or prepaid card

Bank of America fail to give a form to change my minimum payment of {$50.00} in which I do not know why it is {$50.00} because I requested them to assign the credit card for the minimum balance. Online doesn't go thru. My account is being blocked from changing my minimu

m payment. Bank of America my account and charge me {$39.00} FEE every month. Now, they are taking the {$39.00} + interest fee + the payment. They believe that they own you and that the client has no Rights! Their customer service is extremely disrespectful and Managers are the worse plus they hang up the phone when you ask for an explanation. They do not know why, they just know that by charging the client, they can keep their job. That is not fair for the client.

I have two cards with them and the other card has a lower balance. Bank of America definitive does not care about the client. My card is more then 10 years and suddenly, they are trying to be difficult. 

I want all the fees that Bank of America has been charging. There is a payment set up and they had fail to help me update my account. When I tried to do it online it does not go thru. Bank of America keeps charging my account highers fees every months because they do not care about the client.
Product: Mortgage

These are previous case numbers of complaints asking for modifications with XXXX XXXX XXXX ( you guys ) XXXX XXXX Date : XXXX Both complaints asking for modifications of mortgage and referring to earlier dates. We asked for one via phone in XXXX of XXXX and told we were not qualified. We also asked for one in XXXX & XXXX. We were turned down. We were told to refinance our mortgage. We were in bankruptcy because of this predatory loan, so we could not refinance it anywhere. 

We are asking for the money that everyone else received off the loan modification lawsuit. XXXX XXXX XXXX  Mortgage was required to send out letters to ALL of us customers that were harmed. We have been financially harmed by XXXX XXXX XXXX  Mortgage. 

XXXX XXXX Date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I try to apply for a business cc card and do it online for the first time in my life, and I probably didnt put a right information or i missed understood something and i got a injury on my cc report i know i did it but i just didnt know how to filled it out right. So can you please delete injury from my account and i will go personally to the bank and they will help me out to get business cc card
Product: Debt collection

reached out to the collection agency several times, and they fail to respond to debt validation letters.
Product: Credit card or prepaid card

I called today to inquire on an annual fee of {$99.00}. I'm elderly ( XXXX   years if age ) and speak XXXX. I paid off this account with a balance transfer in XXXX of 2020. I failed to close the account and an annual fee of {$99.00} was charged in XX/XX/2020. I called today to request the fee waived and they refused to waive the fee. This is discrimination of an elderly woman and because I'm XXXX. 

My daughter, XXXX XXXX has the same credit card and has had the fee waived on one or two occasions.
Product: Vehicle loan or lease

I paid off my car was and its was reported by TDauto and closed account which made my credit score decrease by XXXX points!! I paid it off in full XX/XX/23
Product: Debt collection

I am not liable for alleged debt with self lender. I do not have a contract with the collection agency XXXX XXXX. Located XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tx. XXXX. They did not provided me with the original contract that was requested
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a car loan through capital one. The website clearly states that it will be a soft inquiry but it is showing up as a hard inquiry on my credit report.
Product: Debt collection

Dear Radius Global Solutions, I am writing to address the alleged debt you are attempting to collect from me. Be advised that this communication is a formal notice of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g and 1692c, and my demand for immediate compliance with federal consumer protection laws. 
Let me be unequivocally clearthe collection accounts listed below that appear on my consumer report represent flagrant violations of my rights and will not be tolerated. I demand their immediate and unconditional removal. 
Radius Reference Number : XXXX Your company has failed to provide the information I previously requested, in direct contravention of legally binding regulations. Let me remind you : 15 U.S.C. 1681a ( 2 ) of the Fair Credit Reporting Act ( FCRA ) explicitly excludes from consumer reports any transactions or experiences between the consumer and the reporting entity unless authorized. 


15 U.S.C. 6802 mandates that financial institutions must notify consumers in clear, conspicuous terms when disclosing nonpublic personal information to third parties, providing an opt-out mechanism. I have not received any such notice or provided consent. 


Further, I demand that you produce the following documentation as required by law : The amount of the debt you allege I owe. 
The name of the original creditor. 
A statement informing me of my right to dispute the debt within 30 days. 
XXXX of the debt if I dispute it in writing. 
The name and address of the original creditor, if different from the current one. 
A statement confirming your obligation to cease communication upon written request. 
A signed contract or agreement that validates your authority to collect this debt. 
15 U.S.C. 1681b ( a ) ( 2 ) restricts consumer reporting agencies from furnishing a consumer report without written authorization. I have not, and will not, provide such authorization. Any negative information reported without my consent constitutes a severe violation. 
Given these violations, your actions expose you to liability for damages under 15 U.S.C. 1681n. This provision allows me to seek statutory damages of {$1000.00} per infraction, as well as compensation for the harm caused by your noncompliance. 
Therefore, I demand : The immediate removal of the offending collection items. 
A written confirmation of their removal. 
An updated copy of my consumer report reflecting these corrections. 
You are further instructed to cease all communication with me, except to provide the specific information requested herein. Any attempt to contact me by phone, mail, or other means, outside of these parameters, will be construed as a willful violation of the FDCPA and pursued accordingly. 
This matter demands your prompt and serious attention. Delays or continued noncompliance will leave me no choice but to exercise my full rights under federal law, including legal action. 
Govern yourself accordingly. 
Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX deleted and removed the following account from my XXXX credit report over 1 year ago for the account being a fraudulent account : XXXX  XXXX # : XXXX, balance # : {$2000.00}, XXXX has put and listed the fraudulent account back on my credit report. The account is not my XXXX account. Im frustrated and tired of XXXX putting fraudulent accounts on my XXXX credit report after sending XXXX the Federal Trade Commission Identity Theft Report and steady informing XXXX Im a victim of identity theft, but XXXX continues to put and list fraudulent accounts on my XXXX credit report. Something has to be done about this recurring issue and problem. The U.S. government has to investigate these credit bureaus and take over the credit bureau industry because XXXX, Equifax and XXXX XXXX continues to violate the Fair Credit Reporting Act ( FCRA ) and do whatever they want to do without following federal law and violating federal laws, by continuing to do the same thing putting fraudulent accounts and credit inquiries on peoples credit reports, even after receiving notification from people that, that person is a victim of identity theft, the account is fraudulent and unauthorized, and not that persons account. XXXX continues to put fraudulent accounts they previously remove from my XXXX credit report back on to my XXXX credit report like the above XXXX XXXX account. Its very frustrating because it hurts and drops your FICO credit score instantly.
Product: Credit reporting or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX, XXXX, AND TRANSUNION CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 names are as listed XXXX XXXX XXXX. 
XXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX 
XXXX XXXX XXXX 
XXXX XXXX XXXXXXXX. 
XXXX XXXXXXXX XXXX 


And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 U.S.C. 1681B ( 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 i
Product: Credit reporting or other personal consumer reports

On the seventh day of the month of XXXX in the year XXXX, I, XXXX XXXX, the federally protected consumer, identified a clear violations of Fair Credit Report Act ( FCRA ) Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), on my consumer report from XXXX, XXXX, and Equifax, the consumer reporting agencies. I am writing to express my deep frustration and concern regarding the gross inaccuracies in my consumer report and the subsequent violation of my privacy rights. The errors in my report have caused me significant financial harm and distress, leading me to lose all faith in our banking system. 

The violating information relates to an account with XXXX / XXXX XXXXXXXX XXXX  a financial institution, account number XXXX. Specifically, XXXX, XXXX, and Equifax are reporting inaccurate and inconsistent information regarding the Account Type Detail, No. of Months ( terms ), Payment Status, Last Reported, Date Last Active, Payment History : XX/XX/XXXX ; XX/XX/XXXX ; XXXX XXXX, XX/XX/XXXX which violates section 602 subsection ( a ) and ( b ) of the FCRA These direct violations of section 607 subsection ( b ) of the FCRA which states : Accuracy of report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. Additionally, section 603 ( d ) ( 2 ) ( A ) ( i ) of the FCRA states that the term " consumer report '' does not include : " any report containing information solely as to transactions or experiences between the consumer and the person making the report. '' Payment history, when reported by a financial institution, reflects my direct transactional experiences as a consumer. Furthermore, XXXX, XXXX, and Equifax are nonaffiliated third parties to XXXX / XXXX XXXXXXXX XXXX and pursuant to GLBA and Regulation P section XXXX ( a ), XXXX / XXXXXXXX XXXX XXXX rights and powers to share my nonpublic personal information have been revoked, meaning information such as Payment History has been reported illegally. 

These violations have resulted in emotional pain and suffering, a significant and unlawful reduction in my credit score, denial of credit applications, higher interest rates and denials in opportunities for employment. 

I remind you that under Fair Credit Report Act ( FCRA ), Privacy Act of 1974, Gramm-Leach-Bliley Act ( GLBA ) and Regulation P ( Privacy of Consumer Financial Information ), you are obligated to ensure the accuracy and lawfulness of the information you report. This outdated information is negatively impacting my credit score and does not accurately represent my current financial situation or creditworthiness This information requires amendment to reflect a non-adverse status of the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX knew that dad was evicted. I want to know how was my SSN released to damage my credit report for over 6 years. I requested in disputes numerous times to have it removed and it always still remained, dad never made a payment according to CA. I would like to also know how is eviction process handled, and how is the SSN reported to collections without proof of knowing who was evicted? My dad is not trying to pay this debt his wife is trying to put the blame on the complex for missing documents and knowing that you cant prove it to wife she still believes its mines. Only my dad knows my SSN? I was Supposed to have been removed on XXXX XXXX and release from this debt dad owes. I suggest that you cease communication with them and let them know that FCRA laws allows the person that damages there credit report documents proving that it was supposed to be mines. Dad and wife lied to me saying they were gon na pay it when they go on vacations, and paid off other eviction to qualify them for VA housing assistant almost like county housing. They refuse this one because its on my credit report and not dads. My dad wants to fix it but I understand that wife refused to and continued to blame it on XXXX XXXX instead and still denies this being there debt?
Product: Money transfer, virtual currency, or money service

PayPal closed my account for no reason and will not help me with getting it back up and going. 
The reason PayPal claimed is that in a transaction I ( the seller ID @XX/XX/XXXX ) had with another user ( the buyer ), was not authorized by the buyer ( he was hacked according to PayPal XXXX, then the fund I received was put on hold and then released to the buyer. 
The transaction was for a Bitcoin sale ( two transactions, BTC XXXX and BTC XXXX correspondingly, around USDXXXX value ) through a P2P trade utilizing the exchange called XXXX, all the evidences of the legitimacy of the transaction was delivered to PayPal . 
PayPal gave me no proof that the buyer 's account was in fact hacked. Even if the hacking was true, I am fully innocent in this case and I lost my fund, I delivered proofs that my transaction was legitimate, and even though PayPal have taken my cash balance received in PayPal account. 
PayPal said this is the final judge about this case, but I searched and found that I could file a report on here as I feel they are far from doing their job in a fair manner, properly and it is effecting me a great deal as I used PayPal quite frequently and I depend on my funds. My email linked to my PayPal is XXXX and PayPal account is @ XX/XX/XXXX.
Product: Mortgage

I have had a Chase Mortgage without an escrow account for fifteen years. Through a series of miscommunications Chase set up an escrow for tax payments with my town of XXXX, MA XXXX which I have paid. to. Chase claims that the Tax Dept. reported my account late while town of XXXX says that they do not report late payments. Chase has set up an escrow which after numerous communications Chase has closed with a balance of $ XXXX. The town of XXXX has {$700.00} in prepaid tax payments which I have asked Chase to repay to escrow on XX/XX/23 to reduce escrow which I want to pay off. After numerous communications with Chase Bank and attempts to reach my " relationship manager '' I can not find out whether Chase has gotten the {$700.00} tax payment back into pay down on escrow. This has been going on for three months. I have requested that Chase get the money from XXXX XXXX ( the treasurer has said that he would expedite the process once he received the Chase request ). I have had no response from my " relationship manager '' XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

An agency reported a delinquent account on my record, of which I requested documentation to support their claim. I got nothing ... and when I fIled a dispute with Experian they did nothing but ask the agency to validate their claim. They responded with it was accurate? How in Gods name is that response to validate a Claim dispute? Wheres the validation????? This is a scam and ought to be carefully looked into.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im reaching back out to you all because there are still some items that have not come off my credit. I reached out a couple of months ago about some things on my credit that are not mine. There are still an account XXXX XXXX. I have contacted the FTC and my local police and Im also doing this on my own.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the fair credit reporting act, the list of accounts listed below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : Pacer Record type Bankruptcy XXXX XXXX-discharged XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX 15 U.S.C 1681 section 602 A. States - I have a right to privacy. 

15 U.S.C 1681 section 602 A section 2 states - a consumer reporting agency can not furnish a account without my written instructions 15 U.S. Code Subchapter III 1681 : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

15 U.S. Code Subchapter III 1681b : ( a ) 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. 15 U.S. Code Subchapter III 1681c : ( a ) Information excluded from consumer reports Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

U.S. Code Subchapter III 1681s-2 : ( a ) Duty of furnishers of information to provide accurate information ( A ) Reporting information with actual knowledge of errors 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: Debt collection

I received a call from a debt collector about a debt that is not mine ; I told the person the debt is not mine. I have medical insurance so I don't owe any past due medical debt. they put the debt on my credit, XXXX, and I disputed and it was removed, but then the company put it on my XXXX   report ; I disputed and XXXX said the debt is validated. I asked for some sort of documents to see the debt and received nothing but a statement on my credit saying its being reported fairly.
Product: Credit reporting or other personal consumer reports

I was absolutely shocked to see inaccurate accounts on my credit report this morning, and I have no idea how they got there. I checked my credit report, as I normally do, and was blindsided by these discrepancies. I even refreshed my browser, thinking it might just be a glitch, but the inaccurate accounts were still there. I'm extremely concerned and request that the documents I've sent be thoroughly checked so that I can avoid this kind of stress in the future.
Product: Checking or savings account

Capital One is blocking me from enabling external applications while trying to use the XXXX App