23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

roundpoint mortgage servicing corporation sold my mortgage to XXXX  XXXX  corporation but they reported to XXXX that the account was closed as a result this affected my credit score. they did not report they sold it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently tried to apply for a new job and discovered that my credit profile has addresses and information that is not accurate. My Name should be listed as XXXX XXXX XXXX. I live at XXXX XXXX XXXX  XXXX OH XXXX. My SS XXXX DOB XXXX. Please delete any other variations of my name. Please delete remove the following addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have several numbers on my file that do not be long please delete the following numbers : ( XXXX ) XXXX ( 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

Starting at XXXXXXXX XXXX XXXX  on XX/XX/year> a call was placed to resolve a snag on the website while trying to add my mother and myself as joint account holders to each of our saving accounts. This in itself was becoming a problem but resulting in Capital One XXXX rep in Banking Dept finding a 2nd profile in their system under my social security number and a different name which prevented them from being able to complete the request. With this new information and concern regarding my SSN being used by another name on a credit account in their system, I was transferred to the XXXX department for more information. XXXX XXXX couldn't find the same info and sent me back to banking. Somewhere in between these departments, one rep tells me my SSN wasn't in the system at all and transfered me away again.. This went on multiple times back and forth causing nothing but confusion and concern. I then request management assistance from XXXX in XXXX which was the least helpful of all again being transfered. This went on for XXXX hours. I then spoke with Manager in Banking dept by name of XXXX who was actually amazing. He resolved XXXX of XXXX joint account actions quickly but then now found the same duplicated SSN issue blocking him from finishing. Two more transfers and finally speaking with a manager in the XXXX  Fraud department who went by the name of XXXX. XXXX could see the issue but spent very little time or effort to assist in a resolution stating there is nothing he can do and that I would need to contact the credit bureaus to report this and then the credit bureaus would contact Capital One to initiate an investigation. He provided no additional information or confirmation regarding any of this. When I requested to speak with his superior, he refused my request and then proceeded to hang up on me after XXXX XXXX on the phone while I was still speaking. I then did some research surrounding this event and learned to the best of my understanding, this incident was greatly mishandled by all accept XXXX did his best. If I understand correctly Capital One found the fraudulent account with my social security number attached and therefor should have taken the necessary actions to report this themselves to all required parties such as the credit bureaus etc .... No action was taken and I'd really like to know who or what is going to correct this privacy breach of my social security number.
Product: Credit reporting or other personal consumer reports

I am writing to express my outrage at the clear violation of credit reporting laws demonstrated by the continued presence of fraudulent accounts on my credit report. Despite assurances from reputable companies and the validation of an identity theft report, these inaccurate entries remain unaddressed. 

Your failure to remove this account, despite clear evidence of their fraudulent nature, blatantly disregards the laws governing accurate reporting. It is evident that the bureau is not fulfilling its duty to properly investigate and rectify inaccuracies. 

Furthermore, other credit bureaus have already removed this account from their records after the submission of FTC report and thorough investigation. 

I demand immediate and decisive action to correct these violations. 

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

XXXX, XXXX, and Equifax continue to report inaccurate information on my consumer report. The reason each reporting agency keeps reporting the information is due to the financial gain. XXXX, XXXX, and Equifax are monetizing my consumer report but will not provide an accounting record of the consumer account history to verify. 

The reason they will not remove the inaccurate information is due to the financial gain which makes the decision biased. This inaccurate information is adversely effecting my consumer report. 

XXXX XXXX file number XXXX EQUIFAX XXXX XXXX XXXX Number XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have been using Citibank with no issues, until now. I decided to make payments to pay down my balance via my savings account a month ago. They still have not credited the amounts and I am getting no help from customer representatives, other than mixed answers. Some sound they are literally making up responses that are not valid. Such as they havent received the funds from my bank, yet my bank shows theyve posted. Next was for security reasons I have to wait until the XXXX, until the XXXX, up to 30 days, so on since they are going through a security process for using a new account to pay. Continuously given the run around. Its just ridiculous and some payments theyve taken out twice. Im told my account is not restricted or frozen, but it very much is. If my available balance is XXXX yet Ive made multiple amounts in payments from my own bank account, same name just the savings and even the checkings ( those should go through no problem ), they told me to and I wouldnt have any issues! Nope those arent available yet either. I have to go through this XXXX XXXX XXXX XXXX!
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my follow-up 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I need clarification as to why you are reporting certain information on my credit report. Please review the following Account name XXXX XXXX XXXX XXXX XXXX XXXX XXXX  YOU ARE REPORTING THIS ACCOUNT AS CHARGED OFF YET YOU ALSO REPORT A MONTHLY PAYMENT? DELETE ACCOUNT IMMEDIATELY FOR INACCURATE REPORTING. 

Under code 1681 ( e ) B it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the reporting relates. 

After you have finish my request, send me a copy of my credit report reflecting these changes. 

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

XX/XX/2020 - Unable to access myEquifax account to retrieve my credit report. I reset the password, but it still wouldn't let me access my account. 
XX/XX/2020 - Still unable to access myEquifax account and now it's locked even after again resetting the password. I called their support line and they had me reset my password again. It was still unsuccessful in getting me access to my account. 
XX/XX/2020 - I called Equifax support again and after waiting close to an hour on hold, they told me they couldn't do anything and my account is still locked.
Product: Checking or savings account

On XX/XX/2022, I deposited a check written on my account in the amount of {$20000.00} into the account of another Bank of America customer 's account. Subsequent to that, on or before XX/XX/2022 I placed a " Stop Payment '' for that check which was acknowledged in writing in a letter from Bank of America on XX/XX/2022. 
The recipient of the check acknowledged the check being deposited and then withdrawn by Bank of America. 

The complaint is that Bank of America took the funds from the other customer 's account and failed to return them to my account. 

They, Bank of America, subsequently closed my account from which the check was written and showed as withdrawn from that account on the statement. 

In my view, the only equitable solution will be for Bank of America to send me a good check in the amount of {$20000.00} for my use. 

Bank of America hinted in various conversations that fraud was being perpetrated by someone. They did not accuse me. If the recipient of the check was involved in any fraud, I was not aware of it If anyone is being defrauded, it is I, the victim. The victim should not be punished and the bank should not be rewarded by being allowed to keep funds that should be returned to the rightful owner. 

I have made Bank of America aware numerous times of my complaint and they would say that the matter was investigated and that I was not going to be entitled to the funds that THEY have. This is what I call the opposite of the fiduciary they should be. 

If they are found to have violated their responsibilities, I hope you can find a way to make them do the right thing.
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 Name XXXX XXXX XXXX XXXX XXXXXXXX Account Name : DPT ED/XXXX # XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX XX/XX/year> {$1000.00} Account Name : XXXX XXXXXXXX XXXX XXXX XXXX # XXXX 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 An
y 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: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2022 XXXX XXXX Solutions sent me a letter in themail as a 3rd party debt collector demanding that I pay a debt owed to them. The original creditor was XXXX XXXX. I never gave XXXX XXXX permission to give my information to them which is a violation of my privacy on XXXX XXXX end. 

XXXX XXXX XXXX violated three ( 3 ) of my consumer rights.

Unfair Practices - 1692F any unfair means to collect alleged debt False or Misleading Communications -1692E false, deceptive, or misleading representation or means in collection with debt Contacting 3rd Parties 1692b ( 2 ) - stated that the consumer owes any debt
Product: Checking or savings account

My initial call was because my XXXX XXXX account was negative and I didn't know how that happens there was a transaction on there that was dated for a certain day and time that I can prove I wasn't at the place. I begged I pleaded and I told these people not to deactivate my debit card. That's the card that's attached to the checking account on which I did ask them to block a merchant I did not ask them to deactivate that card at all and I need to make this very clear that multiple times I talked to multiple different employees and every time I told them do not deactivate this card I just want to block the merchant but they went and deactivated the card anyway. All I got from them was the first name of the man who deactivated my debit card and I don't even know why because it was already handled! And the woman I literally again literally begged not to shut that card down. Thank God that woman was incompetent because she shut the wrong card down which just so happened to be the card that needed to be shut down. But my complaint is my debit card was canceled after I had specifically said not to do that for no reason whatsoever now I have to figure out how I'm going to get my refund put into my account because they shut down the card it was attached to like I explained to them. This bank is junk their customer service has no clue about the banking laws.
Product: Debt collection

I noticed LVNV Funding LLC has a collection account on my credit report for {$2800.00}. A debt validation letter dated XXXX was sent to LVNV Funding LLC ( by certified mail ) to validate the debt, to current date no further information has been received from LVNV Funding LLC. Please remove the account from my credit report as LVNV Funding LLC has failed to validate the debt. Thank you.
Product: Mortgage

In XX/XX/2019 I recieved a notice for the possibility of streamlining my current FHA loan to save money on a monthly basis from Village Capital. I called to inquire and the representative took some basic information and informed me that she would not be able to answer all my specific questions but that a mortgage specialist by the name of XXXX would be contacting me. A day later when XXXX contacted me, I inquired about my concerns and legitimacy of the streamline program and made it expressly clear that I would do research and get back to him if I was even interested in pursuing said streamline loan. After research, I found red flags and of course did NOT want to use their company nor did I ever call back to give any form of " go ahead '' or confirmation that I wanted the process to begin. My omission to call back was clearly not acceptable and I can only assume that after several unanswered calls, XXXX took it upon himself to pull pay off information from my current lender and process my loan. I did not authorize anything. When I recieved closing documents I became very alarmed and called both XXXX and the additional contact numbers that were given in the packet of documents. Nobody answered and I left a very detailed message explaining I NEVER gave permission for even my information to be inquired upon, let alone documents prepared for signing. I even warned them that it was an invasion of consumer privacy and that I would be reporting such information if they did not stop the process immediately. Low and behold yesterday, XX/XX/2019 I got a voicemail from a notary confirming my appointment, at my home, for closing! I was unbelievably upset that Village Capital could even begin to go as far without any acknowledgement to even request for payoff amounts, let alone proceed to closing when I provided them with NO information needed to proceed with any legitimate lending. I immediately cancelled that appointment and explained to the second party notary of said fraudulent company. I feel my privacy is extremely violated and my current and legitimate loan with XXXX XXXX could somehow be in jeopardy of being transferred. I have signed nothing, consented to nothing, and want nothing but for Village Capital and Investment to erase all information they have on me as if I never even called them to inquire.
Product: Credit reporting, credit repair services, or other personal consumer reports

I pulled my credit the first week of XXXX and found a number of unauthorized inquiries, this being one of them. I sent them a letter dated XX/XX/19 that asked them to either provide me with proof of authorization or remove this inquiry from all of my credit reports because I do not recognize and did not authorize such inquiry. It's XX/XX/19 and I still haven't heard from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax has deleted my credit history as of XX/XX/2020. I called Equifax on XX/XX/2020 at XXXX XXXX. ( XXXX ) XXXX and they had me to purchase a product on XX/XX/2020 for {$10.00}. The website is www.myservice.equifax.com I was told that was the only way I could check my credit report online. The site didn't work no longer than 15 mins. Only two of my credit items was on that report. Also, they've added over 10 inquiries that doesn't belongs to me. That happened on XX/XX/2020 as well. They didn't make me aware that my credit history had been part of the data breach. I believe this is why I'm having problems!
Product: Credit reporting, credit repair services, or other personal consumer reports

Submitted a dispute online via XXXX upload. I faxed in the same disputed to Equifax and I mailed one to XXXX. I tried the online and fax method thinking it would be quicker to get viewed, I wasn't able to set up my XXXX account info so I mailed it in. Its been more that 30 days, I called each bureaus and to my surprise, found out that each agency outsources their inbound calls to call centers around the world. I am not opposed to saving money so I understand it, but so much information of consumers has already been leaked, hacked, exposed in breaches and sold online, I would think that Americans personal and financial information would be more secured. I am a victim of identity theft, I am trying to get several accounts removed from my credit report, most of these accounts were opened when I was away in the XXXX. I would like for the documents that I am attaching to be forwarded to the agencies for review and resolution.
Product: Credit reporting or other personal consumer reports

Got a copy of my credit report items on it that does not belong tome
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I had submitted multiple disputes in regards to a duplicate account that TransUnion has failed to investigate. 


I recently received a copy of my Transunion credit report. The credit report showed that there was more than one account with XXXX under various company names. My records show that I have only one account and it's XXXX and not XXXX. Both accounts share the same account number. 


The following is a list of names and account numbers that I are duplicated. This is the exact reporting of the data. These variations of account names and numbers give an appearance of more than one account. 

Duplicate Account Names Duplicate Account Number XXXX XXXX XXXX XXXX Please take what steps are necessary to report the one account that I have with the creditor and delete the other one. This reporting error is negatively affecting my credit rating. 

Please correct this error as soon as possible. Please send me notification when it has been corrected since it is negatively affecting my credit. 

Thank you for your help. 
Sincerely, XXXX XXXX
Product: Mortgage

Property Jointly Owned on XXXX, Hawaii since XXXX. In XXXX and XXXX was a Presidential Declared Disaster Area due to XXXX Hurricane and XXXX Flooding. In XXXX and XXXX CARES/COVID. 

Further to compound things the other individual XXXX XXXX XXXX '' filed XXXX XXXX Bankruptcy which was XXXX on XX/XX/XXXX leaving me solely obligated. 

My main concern on both is that even though XXXX sent in Chap XXXX Discharge info and FED Form XXXX to XXXXXXXX XXXX XXXXx XXXX XXXX XXXX XXXX and to XXXX bank XXXX XXXX XXXX XXXX XXXX - none have updated their records and all still show him as an obligator. This makes funding a payoff difficult as 3 years later after discharge I can not do anything with his name on loan and title. 

We ran a preliminary title report and the State hasn't updated the Deed/Title removing his name either. See schedule J of his filed documents and discharge info sent to them on XX/XX/XXXX from US BANKRUPTCY COURTS. Attached are the US BANKRUPTCY court documents showing notice and showing the approved discharge on XX/XX/XXXX. Please update your records so I can continue to move to avoid foreclosure!
Product: Credit card or prepaid card

My card citibank Mastercard was used fraudulently in XXXX. I disputed the charge three times with citibank providing documentation and proof that I was not in XXXX, nor I took the tour that was charged on my card. Citibank provided some documentation from vendor for somebody else. I answered asking them to at least read the charge that it was for another person. Citibank uses this fraudulent practice to send a letter back with no explanation, just that after their investigation the claim was denied. Their fraudulent practice is to get you tired until you might forget. 
I have talked to customer service and even have chats with customer service assuring me they will credit the fraudulent charge, then a month later I see the charge back on my credit card.