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

I am submitting this formal complaint against Experian for reporting inaccurate and incomplete information regarding the XXXX XXXX XXXX account ( # XXXX ) in my credit file. The errors and inconsistencies in this account violate specific provisions of the Fair Credit Reporting Act ( FCRA ) and have caused undue harm to my credit profile. 

XXXX XXXX with the Account XXXX. Inconsistent Payment History : The account reflects a payment history from XX/XX/XXXX to XX/XX/XXXX with serious inconsistencies, such as alternating statuses of " Charge-off '' and " OK '' for months like XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 
This violates Section 607 ( b ) of the FCRA, which requires credit reporting agencies to ensure the accuracy and consistency of reported information. 

XXXX. Missing Date of Last Payment : The report omits the critical date of last payment, violating Section 609 ( a ) ( 1 ) of the FCRA, which mandates the provision of complete and clear information to consumers. 

XXXX. Inaccurate Comments : - The account includes contradictory comments, such as " XXXX '' and " Chapter XXXX bankruptcy, '' without adequately explaining the debt status or its progression. 

- This constitutes another violation of Section 607 ( b ) due to the failure to provide accurate and meaningful reporting. 

XXXX. Incorrect Dates : The date of last activity ( XX/XX/XXXX ) and the date of last reporting ( XX/XX/XXXX ) are inconsistent with data provided by other credit bureaus. 
These discrepancies further violate Section XXXX ( b ) of the FCRA, which requires accurate reporting of key dates.
Product: Bank account or service

My wife and I have a joint account with Capital One. She sent a wire transfer of the balance : {$2900.00} to my XXXX account XXXX weeks ago and requested that Capital One close our account. Instead, Capital One reversed the transfer and locked the account and are refusing access for no reason. They initially claimed the wire was n't " cleared '' though XXXX confirmed there was no issue and the problem was with Capital One. There are no branch locations where we live ( XXXX ). Capital One says they will send a check in XXXX business days and that is all.
Product: Mortgage

Per FHA Guidelines The lender is held responsible, equally with the appraiser, for the integrity, accuracy and thoroughness of an appraisal submitted to FHA for mortgage insurance purposes. 
FHA may pursue appropriate enforcement actions against XXXX or either party for violations. In my situation not only did the appraiser use a foreclosure but he also used a XXXX property that needed a lot of work as well. He also totally disregarded the below grade portion of my home. To clarify that, he only tried to focus on the above grade portion of my home and totally disregarded the below grade. The homes he found not only had lower total square footage than my home but they also had XXXX and XXXX less rooms in those homes as compared to my home. Per FHA Guidelines the characteristics of the property must be based on selections that have similar or the same characteristics including site, site view, location, design, appeal, style, age, size, utility, quality, and condition and the homes selected did n't fall under that criteria. I provided homes that were exact replica 's of my home in total size, rooms, and appearance and the appraiser and my mortgage lender ignored those.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have in my report late payment in XX/XX/XXXX and XX/XX/2016 late payment XXXX XXXX Account # XXXX.The information is incorrect.I was never late.
Product: Credit reporting or other personal consumer reports

I have recently obtained a credit report with may unauthorized inquires reporting that I did not authorize they were illegally done by someone who has gained access to my personal information. the following inquires reporting by Equifax are : XXXX. XXXX XXXX XX/XX/23. XXXX. XXXX XXXX XX/XX/23. XXXX. XXXX XX/XX/23
Product: Debt collection

On XX/XX/2019, D2 Management called my work phone. The woman that I spoke with was deliberately rude.  After disconnecting the call I called the company back and asked that they no longer contact my work phone. They man that I spoke with refused to document my request unless I give my social security number, which I informed him I am not comfortable disclosing over the phone.  After speaking with multiple people and being transferred multiple times (while each person refused to honor my request), I asked for the company address to send a certified letter. The "supervisor" that I spoke with told me "this is a two-way street, if you want something you have to give me something. I need you to verify this information". I again told her I am not comfortable disclosing that information over the phone and again asked for the address so that I could send a certified letter and request that they not contact me at work.  Again the woman refused. I had to search the internet to find the address.
Product: Mortgage

I'm struggling to get my loan modified after Covid Forbearance. This is my 2nd complaint submitted in this process. I successfully completed my 3 trail payments last XXXX, XXXX, and XXXX and have been calling constantly on the status of my modification with no real response. I always receive a different answer and told the company is behind on documents. In my last complaint I was told I was approved for a motification and that loan documents would be overnighted to me which they never were, I reached out to the company and was told my payment amount was $ XXXX ( Escrow ) with a interest rate of 3.850 % and first payment was due XXXX. I called on XXXX to make that payment on time. I then received a document on XXXX stating that the load had gone back to the underwriter and was revised again now increasing the payment to $ XXXX ( Escrow ) and the interest rate would be moved to 5.1 %. When called I was told because of the delay with the company the underwriters were not able to work with the original documents and had to revise it. This new first payment would be due XXXX. I was told again that I would be receiving documents overnighted to sign to lock this in place. As of today XX/XX/20 I have still not received any documents and am VERY concerned that I will make this payment on XXXX and then be told things are changing again. I do not feel I should be paying the higher interest rate of 5.1 % in the first place as in my original complaint to to the CFPB I was told that my loan was modified for 3.85 %. This process has drawn out almost a year now with what seems no end - I simply want this modification completed so I can get back to monthly payment schedule.
Product: Mortgage

Home was originally purchased through the XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) ( working through XXXX XXXX cell XXXX ) and I qualified for a XXXX Covid relief fund and was told to stop making my monthly payments until I was approved and they would reach out to the borrowers ( I have two mortages - Peoples United now M & T Bank and XXXX XXXX XXXX XXXX has tried reaching out to M & T Bank 3 times before they responded at all. They sent an incomplete response on XX/XX/XXXX and XXXX sent another request on XXXX and no response back. They repeatedly send a XXXX company out each month to see if I am still residing in the property and put an envelope on my door. I have called and complained each time. They know I am working through this process and can not make any payments or it defaults my grant through XXXX. They are harrassing me, but, in fact, it is their own fault that they haven't gotten paid yet as they are not sending back the required information that is needed for a payment to be issued. I am not being harrassed by XXXX ( second mortgage ). The total amount due as of XX/XX/XXXX was {$13000.00} for M & T Bank.
Product: Credit reporting or other personal consumer reports

I Disputed debt directly with creditor, only XXXX was removed and updated XXXX and XXXX inaccurate data still remains on my credit report. I have been denied credit due to error.
Product: Debt collection

I am requesting that you allow me to validate the " XXXX '' alleged debt. I am UNAWARE of any outstanding medical bills that I possess, and I am seeking the name and hospital/medical provider to which I owe the debt and a detailed breakdown of the fees that I owe. Additionally, I am allowed under the Health Insurance Portability and Accountability Act ( HIPAA ) to protect my privacy and medical records from third parties. I did not give permission to any of my current or prior medical providers to release any of my medical information to a third party. I am aware that the HIPAA does allows the release of limited information about me but anything more is to only be revealed with the patients authorization. Therefore, my request is twofold validation of debt and HIPAA authorization.

Please provide breakdown of fees including any collection costs and medical charges.

Provide a copy of my signature with the provider of service to release my medical information to you.

Cease any credit bureau reporting until the debt has been validated by me.

Please send this information to my listed address and accept this complaint as my formal debt validation request, which I am allowed under the FDCPA. Please note that withholding the information you received from any medical provider in an attempt to be HIPAA compliant can be a violation of the FDCPA because you will be deceiving me after my written request. I request full documentation of what you received from the provider of service in connection with this alleged debt. Any reporting of this debt to the credit bureaus prior to allowing me to validate it is a violation of the Fair Credit Reporting Act, which can allow me to seek damages from a collection agency. I will await your reply with above requested proof. Upon receiving it, I will correspond back by certified mail.
Product: Mortgage

I have called Dovenmuehle Servicing several times. They admit that I have paid over {$15000.00} yet they will not send me an itemized statement of where my money went and I called to set up 2 PRINCIPLE ONLY payments and the applied it toward front loaded interest and sent me a bill with a late fee. 

I am filing a complaint with the Consumer Financial Protection Bureau now. This is so wrong!!
Product: Debt collection

Harvard Collections opened onXX/XX/2018 an entry to all three reporting agencies. I never recieved any correspondence requesting the validation of this debt. 
This is a violation of my consumer rights because I was unable to dispute this debt. 

http : XXXX My Identity was stolen. I did not know about this account.
Product: Credit card

I never open this account the name on the account is not mine. I received this card in the mail, but NEVER used it. This has dropped my credit score almost XXXX points
Product: Debt collection

I have documentation that providers at XXXX XXXX were paid for Emergency room visit Date of Service XX/XX/2017 on XX/XX/XXXX. Please review page 2. Provider has a contract with XXXX XXXX XXXX when they are in-Network provider. Because XXXX XXXX are in network, they are allow to Bill for services per contracted amount. XXXX XXXX recently notified XXXX and XXXX through Gold Key that debt has not been satisfied despite not only being reimbursed per contracted amount, but also violating provision of contract with XXXX XXXX. 

This constitutes unfair debt collection practices as debt collection practices by XXXX XXXX and Gold Key ; who are deliberately utilizing defamatory, unfair, malicious, cruel, and predatory to collect monies that theyve already received.
Product: Credit reporting

I have multiple inquiries on my credit report and several duplicates that I did not authorize. These did not result in offers of job or credit. I sent requests to the credit bureaus and letters to businesses and the inquires are still there. The credit bureaus said invalid dispute or verified inquiry.
Product: Mortgage

My house flooded in XXXX due to hurricane XXXX. My insurance company made payment for the damage to my mortgage company. I was initially serviced thru another company but Roundpoint Mortgage Service took over my mortgage. Since XXXX of this year ( over 10 months ), I've been requesting release of {$74000.00} in funds held by Roundpoint in escrow. To-date, no funds have been released. Every time I contact Roundpoint their story changes about what is holding up the release of funds. They also refuse to put any request in writing on what is holding up the release. 7 weeks ago, Roundpoint conducted an on-site inspection of the entire house and determined 95 % of renovation was complete, yet they still refuse to release any funds and have ordered an additional inspection. I had to borrow money to complete the renovation and have incurred over {$6000.00} in interest charges because of Roundpoint 's neglance or woeful incompetence. 

RoundPoint Mortgage Servicing LLC ( d/b/a RoundPoint in all States except Arizona & New York XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, SC XXXX ( XXXX ) XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

information on the credit report that is not mines. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to preform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the methods used, and a description of the records reviewed, when you conducted your investigation including, but not limited to, sending a copy of that information to me so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed. 
This letter was completed and mailed to you on my own accord, and all correspondence related to this dispute should be returned to me at the address listed above. This letter is an attempt to correct the false or misleading information you are reporting on my credit reports and to correct your records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX Inquiry from XXXX XXXX, 2017 Initiated a hard pull using my social security information when this was not authorized. Institution should be looked into for further investigation. The date of which this was initiated was not consented. Spoke with institution and they would not assisting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX XXXX  : XX/XX/2022, never requested this company to pull my information. There are no written documents or signatures suggesting that I gave permission for this. 

XXXX XXXX XXXX : XX/XX/2022, never requested this company to pull my information. There are no written documents or signatures suggesting that I gave permission for this.
Product: Debt collection

This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP THE CALLS!
Product: Debt collection

This account is not mine and has not been used by me. This account is being reported on my consumer report without my consent
Product: Credit reporting or other personal consumer reports

I ask to delete a charge off that was on my credit reports for near 7 years. But I paid XXXX credit card two years ago in XXXX. It was deleted from XXXX but only updated to XXXX now but did not delete it. When my letter stated two years ago that if they cashed my check that it would be deleted from credit reports. They cashed check but never took them off reports. I disputed it and was taken off XXXX but updated it for XXXX and Experian. So I ask to take it off all reports of my credit reports. Has it very unfair to stay on my credit reports since it was paid.
Product: Credit reporting or other personal consumer reports

In this carefully orchestrated dance of finance and privacy, my right not to have my-personal information unjustly shared, finds backing in 15 USC 6801 . The clause articulates that every financial institution, ( which, in this case, includes the Furnisher of information to credit agencies ), has an unyielding obligation to maintain the sanctity of their customers ' privacy and to shield their nonpublic personal information. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 card or prepaid card

I have been trying to check my account on the Serve App and the American Express website but the same message has been displayed since XXXX am and its going on XXXX pm now. I have called and spoke to 2 representatives, the first one told me that it wasnt a breach and that it would be resolved in 2-3 hours and the second person told me 3-4 hours. I received a direct deposit today ( well at least I think I did because I have no way of checking ) and Im trying to withdraw money but its saying insufficient funds. Todays date is XX/XX/2019
Product: Credit reporting or other personal consumer reports

TO WHOM THIS MAY CONCERN, I AM A VICTIM OF ID THEFT ; THOSE ACCOUNTS ARE NOT MINE XXXX XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) ( XXXX XXXX XXXX FOR {$2500.00} OPENED XX/XX/XXXX XXXX XXXX XXXX XXXX FOR {$130.00} XXXX XXXX XXXX ) ( XXXX XXXXXXXX XXXX XXXX FOR {$2800.00} OPENED XX/XX/XXXX ) ( XXXX XXXX  XXXX XXXX FOR {$120.00} OPENED XX/XX/XXXX ) ( XXXX XXXX FOR {$1600.00} OPENED XX/XX/XXXX ) You are violating my rights! by reporting these accounts on my report I request that you provide evidence.

to support the existence of the account and evidence that the account was used for a permissible purpose. Please provide any documents or records you may have that can help corroborate the account and its permissible purpose. I am giving you 30 days to investigate the matter and determine, whether it is still being reported accurately and in compliance with regulations. If it is not, I want it removed from the report. I hereby authorize you to take whatever steps are necessary to correct my credit. Please send me physical proof of any actions taken on my behalf. I appreciate your help in making sure my credit is in good standing.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX  was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX  never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a victim of identity theft someone got my information and opened up lot of accounts in my name without my knowing. XXXX  XXXX account ending XXXX, XXXX account ending XXXX, XXXX 's account ending XXXX, XXXX XXXX account ending XXXX, XXXX XXXX account ending XXXX, XXXX account ending XXXX I'm not responsible to this
Product: Checking or savings account

I purchased a product online from a company that was on XXXX. I paid {$49.00} on XX/XX/2020 I never received the merchandise. XXXX XXXX XXXX is a fraudulent company and have defrauded all customers who never received their product. I called my bank and filed a dispute however my bank is saying they are waiting to hear from the merchant. The merchant is a fraud. I want my money returned from my bank. I purchased using Master Card debit card. My bank is Bank Mobile Vibe aka XXXX XXXX aka Customers Bank.