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

This is my third formal dispute regarding the inaccurate reporting of my XXXX XXXX XXXX ( Account No. XXXX ) account on my Experian credit report. Despite multiple disputes and efforts to correct this issue, Experian has failed to provide a proper resolution. This ongoing error misrepresents my creditworthiness by inaccurately reporting the payment status as " Current, was past due 30 days, '' while XXXX and XXXX correctly report it as " Paid or paying as agreed. '' Additionally, Experian falsely marks the payment history as late, whereas XXXX reflects no late payments. This discrepancy is unacceptable and constitutes multiple violations of federal law. Experians actions violate 15 USC 1666b ( a ), which prohibits creditors from treating payments made on time as late. The inaccurate reporting also breaches 15 USC 1681e ( b ), which requires credit reporting agencies to follow reasonable procedures to ensure maximum possible accuracy. Furthermore, under 15 USC 1681s-2 ( b ), furnishers of information are required to investigate and correct inaccuracies after receiving a dispute, but Experians failure to do so highlights noncompliance. This error further breaches 15 USC 1681i ( a ), which obligates credit reporting agencies to conduct timely and thorough reinvestigations of disputed information. The fact that this issue persists demonstrates willful negligence as outlined in 15 USC 1681n, allowing for damages of up to {$1000.00} per violation. Additionally, negligent noncompliance under 15 USC 1681o holds Experian liable for the actual damages I am suffering as a result of this inaccuracy. Moreover, Experians failure to accurately report and address my dispute violates 12 U.S.C. 5531, which mandates fair, transparent, and clear handling of consumer credit information and disputes. The ongoing harm caused to my credit score and financial standing is a direct result of this breach. Experians negligence reflects a disregard for its obligations to ensure proper dispute handling, causing me undue stress and financial harm. I demand immediate correction of this account to reflect the accurate payment history already reported by Equifax and XXXX. Should this matter remain unresolved, I am prepared to escalate the issue through legal channels, including filing complaints with federal regulators and pursuing claims for damages under applicable laws. I expect a written response confirming corrective actions within 14 days of receipt of this letter.
Product: Debt collection

Experian continues to report items on my report that aren't mine. I asked for a validation of those debts over a month ago and they refused to respond. 
1. XXXX XXXX XXXX ( failed to mark the items as disputed ) 2. XXXX XXXX XX/XX/XXXX ( failed to mark the items as disputed ) 3. XXXX XXXX  XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX They have not verified anything. I never gave them permission to furnish these items 1681 ( b ) ( 2 ). Please remove these items from my account.
Product: Credit card

On XX/XX/2024, I received an email from Capital One stating that my card was declined due to multiple recent charges on my account. I reviewed my statement to find multiple high ticket purchases in the same mall outside of my state ( Pa ). I was at work, so when I got my first break I called to report the purchases as fraudulent and a dispute claim was opened. I informed the rep that my wallet was lost and other charges for other cards were also charged. I received a response for the dispute stating they had insufficient evidence to prove it " was not '' me and as a result I would be responsible for the charges. The individual who used my credit card did not present a government issue ID for the charges because I still have my ID with me. I had removed my ID and XXXX other frequently used debit cards. This company has not worked in my favor and I am upset because the interest rate is high. I have been violated by both the XXXXredit company and the thief.
Product: Credit reporting or other personal consumer reports

I notice on my Credit reports starting XX/XX/XXXX to present XX/XX/XXXX that the two Bankruptcy are on my credit report. According to the United States Bankruptcy Court does not report any information to the credit bureaus and is not responsible for verifying or validating information from consumers credit files. Bankruptcy filings are publicly available records. 

Under the Fair Credit Reporting Act ( 15 USC 1681, Section 602 ( a ) ), it is essential that consumer reporting agencies handle their responsibilities with fairness, impartiality, and respect for consumer privacy. As a consumer, I have the right to ensure that my personal information is not disclosed without my consent, as supported by 15 USC 6801, which mandates that financial institutions must protect the privacy and security of their customers ' nonpublic personal information. 

Equifax and XXXX, as consumer reporting agencies, are required to follow these guidelines. According to 15 USC 1681, Section 604 ( a ) ( 2 ), consumer reports may only be provided under the written instructions of the consumer involved. Since Equifax, XXXX, and any financial institutions supplying information to these agencies do not have my consentwritten or otherwiseto share my information, all forms of consent I may have previously given are revoked.

Additionally, 15 USC 6802 ( b ) ( c ) stipulates that financial institutions must inform consumers of their right to opt out of nonpublic personal information disclosure to nonaffiliated third parties. I have not been provided with this information. Furthermore, 15 USC 1681c ( a ) ( 5 ) prohibits consumer reporting agencies from including any adverse information older than seven years, which means the reporting of this account without my consent is unlawful.

Per 15 U.S. Code 1681s-2 ( a ) ( 1 ), no one should furnish information to a consumer reporting agency if they know or should reasonably know that it is inaccurate. Consumer reporting agencies, such as Equifax, XXXX, XXXX and XXXX, are required under 15 U.S. Code 1681e to maintain reasonable procedures to prevent violations of section 1681c and ensure reports are only used for authorized purposes. 

Since Equifax and XXXX have not adhered to these requirements, I am exercising my right to opt out of their reporting services, as allowed by 12 CFR 1016.7.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against cash app ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically. Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic Fund Transfer Act ( EFTA ) and Regulation. These actions have caused a significant inconvenience and financial loss, and I seek appropriate redress for these violations. I was scammed for XXXX XX/XX//2024 and another for XXXX XX/XX//2024 from a scam website I believe was XXXX for a deposit, to turn on electricity. Found out there was no deposit needed from the real XX/XX/XXXX Company name came up as XXXX XXXX XXXX on cashapp. Tried to dispute both payments on cash app, after calling company and asking for money back, I was told no and had to get a new card. Cash app denied dispute.
Product: Credit reporting or other personal consumer reports

Bank of America - late pay XXXX, no verification provided XXXX - Charge off amount incorrect and DATES REPORTING INCORRECT XXXX XXXX - Was charged off XXXXXXXX XXXX XXXX XXXX XXXXXX/XX/XXXX incorrect amount XXXX XXXX XXXX  - Charged off, sold without my permission, and authorization XXXX XXXX XXXX Reporting repo, was paid and back in my possession. 
XXXX XXXX - INCORRECT INFO, foreclosure paused for now. 
XXXX XXXX XXXX XXXX payment XXXX, balance update XX/XX/XXXX, yet status updated reports XX/XX/XXXX. this is INCORRECT REPORTING XXXX XXXX  - was charged off and closed. NO LONGER LIABLE NO VERIFICATIONS OF ACCOUNTS ABOVE PROVIDED NOR ANY XXXX 'S for charged off accounts. ACCORDING TO FCRA ALL INFO TO REPORT 100 % ACCURATE. THESE ACCOUNTS ARE NOT.
Product: Money transfer, virtual currency, or money service

I have contacted Coinbase several times only to hear from them that they are sorry but they can't help and the case is closed. During XX/XX/ I have used their platform website/ wallet to purchase and send bitcoin to, as it later turned out, a fraudulent trading company. I believe the Coinbase need to take responsibility for not protecting their clients from fraud. the sum invested is around XXXX
Product: Mortgage

To Whom It Concerns : As a home owner with a mortgage, I have accepted the financial responsibility and obligation to ensure receives Roundpoint Mortgage receives my mortgage payment - principal and interest inclusive of administrative fees for servicing the loan. Every month. Even during a time when so many are unable to pay their mortgage. Every month. On time. I pay. 

As the mortgage lender for my primary residence and in receipt of my monthly payment, Roundpoint Mortgage has a fudiciary responsibility to ensure that escrow is appropriately calculated and payment made for all county/property, city, school and home owner 's taxes. In connection with the XXXX full year school taxes due on my behalf to XXXX XXXX XXXX by XX/XX/XXXX, Roundpoint Mortgage has not met its obligation. 

In summary, after contacting Roundpoint via phone and email on XX/XX/XXXX, following up on XX/XX/XXXX, and again on XX/XX/XXXX ( I initiated all follow-up as there was zero communication from Roundpoint after the standard " thank you for contacting us email '' ), I was casually told by a representative, " we will not be paying this today. '' Escalation. 30 minute hold times. Unacceptable to say the least.

Over the last month, I have had 4 calls with XXXX from the customer service escalation team ( XXXX, XXXX and XX/XX/XXXX. ) I was informed by her that the issue would be resolved by XX/XX/XXXX and it has not. As far as I know, Roundpoint has not paid the appropriate tax and I may be in default on my school taxes ( the tax bill is in excess of {$6000.00} ). 

It is not my concern that XXXX sold my mortgage to Roundpoint and Roundpoint then merged or sold the mortgage to XXXX. What I do care about is that my mortgage, and related taxes are paid in a timely manner. What is Roundpoint doing with my funds held in escrow? They earn money on the money collected from me, which is to be reserved and used to pay applicable taxes and home owner 's insurance on my behalf. That was not done in a timely manner. 

I have requested that all remaining correspondence concerning the matter be in writing.
Product: Checking or savings account

Woke up to multiple emails from two different banks XXXX XXXX & PNC ) that accounts were opened. I was shocked to see how easy it was and how I was a victim of Identity Theft. I wanted the accounts closed asap but there has to be an investigation. Froze my credit but now getting emails that whoever has just changed the information for those accounts. Banks dont really seem to want/have to do anything.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent and 3 letters telling the credit report to delete items thats on my credit that incorrect and they not respond back to me i been trying to get the items of my credit since XXXX and they still are reporting items on my credit thats incorrect
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX of XXXX XXXX XXXX XXXX XXXX  refuses to correct and delete the inaccurate information. they show I owe COLLECTIONS {$730.00} total for months of XXXX throughXX/XX/XXXX for when a final order was signed by a judge to stop and deceased startingXX/XX/XXXX. I have submitted the final order on several occasions along with my attorney to state of XXXX XXXX XXXX XXXX, As ofXX/XX/XXXX they still show on my credit reports. I have know asked to have this account completely removed all 3 credit reporting agencies due to many times I have disputed this over 8 month period and they financial and emotional hardship I have due to fact this has denied me loans to pay off my attorney for a custody battle in Missouri state.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " 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. '' XXXX, XXXX, and XXXX 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. '' I.C. SYSTEM, INC XXXX XXXX XXXX are financial institutions by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to 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. '' I.C. SYSTEM, INC XXXX XXXX XXXX, the financial institutions and the Consumer reporting agencies XXXX, XXXX, 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, XXXX, XXXX, and I.C. SYSTEM, INC XXXX XXXX XXXX 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. '' I.C. SYSTEM, INC XXXX XXXX XXXX never informed me of my right to exercise my nondisclosure option. Not only that but it states in 15 USC 1681C ( a ) ( 5 ) " 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 U.S. Code 1681s2 ( A ) ( 1 ) A 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 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX, XXXX, 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: Mortgage

Dear Sir or Madam : I am writing this letter to file a complaint against RoundPoint Mortgage Servicing Corporation, XXXX, NC. RoundPoint has repeatedly written me demanding mortgage payments. My original mortgage servicing company was XXXX, and since XXXX no longer sends me bills, I can only assume they have sold this account to RoundPoint. 

I purchased my home in XXXX from XXXX XXXX XXXX for {$91.00}, XXXX ( principal and interest ) for a 30 year mortgage. In XXXX, I bought XXXX XXXX out, and XXXX XXXX XXXX took over the loan. I refinanced in XXXX, for monthly payments of {$720.00}. To the date of this letter, I have paid {$100.00}, XXXX, which is {$13000.00} over the amount of the principal and interest owed. 

RoundPoint has written me and sent fraudulent documents to support their claim : Which is that I owe them {$40.00}, XXXX. They have listed the amount of my loan incorrectly : as approximately {$120000.00} including interest. They have also sent documents alleging that I refinanced my home in XXXX ; I XXXX in XXXX. Therefore, I did not and would not have refinanced my home in XXXX. 

Moreover, none of the documents they 've sent me list a payoff balance.I am sending a copy of this letter to RoundPoint. 

Sincerely, XXXX XXXX
Product: Checking or savings account

I deposited a tax refund check for my amended return on a government issued US Treasury check and capital one has put over a two month hold on it to verify the funds Ive attached the email from capital one stating that they dont think the funds will clear, from the US Treasury themselves as well as my amended return transcripts stating how much I would be receiving and when. Im a single mom and I have already waited almost an entire year for this refund check and I really need the money.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Report Act XXXX, Account:XXXX XXXXXXXX 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 an account without my written instructions. 

This account is fraudulent account, I did not open any account with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to know why my credit score dropped 13 points for paying off a personal loan. I believe trans union is unfairly scoring me
Product: Debt collection

I received a letter from Veripro Solutions and while they did lower my amount owed it is not lowered enough to pay. I am requesting them to lower the amount so that I can resolve this debt they say I owe. While I do appreciate them lowering the amount they say I owe, they have given me less than a month to find a lender to refinance my house, which I am finding impossible to do because of the time and the lien they have on my home. I don't understand how a debt collector can only give you less than a month to resolve this issue. Currently my wife is unemployed because of Covid pandemic and finding a loan without her salary is tough. I feel that veripro is out of touch with reality and is not in the business of helping consumers to resolve these financial issues. If they really wanted to help they would be more sympathetic to us consumers and give us a fair settlement during these difficult times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried numerous times resolving this illegal medical debt collection ( XXXX ) from dated XX/XX/2021 of {$700.00} by XXXX XXXX XXXX. XXXX and TransUnion credit bureaus have aided XXXX XXXX XXXX in breaching the law and my patient privacy rights by violating the HIPAA Act. XXXX XXXX XXXX was provided my personal private and specific medical diagnosis and OTHER medical treatments as shown in the invoice given to them by my medical provider. In addition to this unwarranted breach of HIPPA law, XXXX XXXX XXXX was provided my drivers license number illegally. XXXX XXXX XXXX has also NO permission to report medical collections to credit bureaus using my HIPAA protected information. THE ONLY INFORMATION THAT MEDICAL FACILITIES CAN SHARE WITH COLLECTORS BY LAW IS : Name Address Social security number Date of birth Payment history Location and name of treatment facility
Product: Credit reporting

TransUnion has failed to remove, correct or produce proof of their reporting a public record that I have proven to to be reported wrong. Month after month, I receive the same statement that these stay on for 7-10 years or that it will not be investigated anymore. I 'M PROVING TO THEM THAT THEY HAVE IT WRONG, SO HOW CAN THEY KEEP IT ON MY CREDIT FILE??? I 've included my dispute with them below, as well as the actual page from my credit report to prove their ineptitude. 

`` county clerk XXXX '' # 1 You have the filing year incorrect - this was not filed in 2012 - send me the actual documentation that states that this was filed in 2012 - this is made available to me under section 609 # 2 You have the court listed as `` county clerk '' : the court is not named `` county clerk '' and you must have the actual name of the court for this to be accurate and correct and you do not # 3 You have the reference # listed as XXXX and this is not the actual reference # for this # 4 You have the original liability amount listed as " XXXX '' which is also not correct # 5 you have no plaintiff listed
Product: Payday loan, title loan, or personal loan

We Are not able to make payments to the Principal of the Student Loan thru the Navient Internet Page???
Product: Payday loan, title loan, or personal loan

They are charging outrageous fees
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XXXX XXXX, Reference # XXXX U.S. Bankruptcy Court, 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
Product: Vehicle loan or lease

Purchased at XXXX XXXX XXXX on XX/XX/XXXX 4 months later at XXXX miles I took the vehicle for a oil change to the car store as well as to identify an additional problem an change was preformed on the vehicle was returned to me I made it XXXX mile and the vehicle broke down I only had the vehicle XXXX  months at this time and put just less than XXXX miles when I returned it for a oil change and a possible XXXX XXXX XXXX and scheduled a appt to return the vehicle for service they car store applied for this loan and was paid a large amount of money for a vehicle that lasted 4 months I continue to pay this loan until recently and have heard nothing from the car store to justify they why they were paid and now didnt care and this XXXX XXXX  struggling to make it now has no car and is liable for a loan for a vehicle I havent had since XXXX  months after purchase please help tried to beg this man XXXX XXXX for any help and he continues to note this is my fault I also purchased all additional warranties to also help make sure I wouldnt be with out a vehicle I dont know what to do or ask for help but this will effect my future when trying to make any other cars or housing in the future
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions ( EFTA ) and Regulation E. These actions have caused significant inconvenience ands XXXX financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

This XXXXt is not sent in error. My credit report has some false and not 100 % accurate Information. This inaccurate information is causing XXXX XXXX and is affecting me XXXX