23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

The company is Roundpoint Mortgage.

In XX/XX/XXXX I accidentally double paid my mortgage for the month. Shortly after, I requested a refund for the second mortgage payment. Once I realized the refund wouldnt be another direct deposit, I asked for the cancellation of the refund and to have the funds applied for XX/XX/XXXX payment instead. At first, the request was noted, however another agent already processed the cashiers check and therefore voided the initial stop refund request. This incident is what initiated my problems with roundpoint mortgage.

Once the cashiers check was issued, I requested for customer service reps to void the check and apply the funds to XX/XX/XXXX payment. I requested this process more than 10 times. Each time, I was told it would be done only to find out my request was never documented or initiated on my account.

To make a long story short, roundpoint held on to XX/XX/XXXX payment for 115 days. Within those 115 days, roundpoint gave me a {$75.00} late fee, and added a delinquency notice on my credit report which made my credit fall by more than 100 points.

It wasnt until 90 days in to my problem, that roundpoint finally acknowledged their error, fixed my credit and removed the late fee. They even sent a long apology letter ensuring the issue was resolved. However, the company still took 3 more weeks to actually apply XX/XX/XXXX payment. Therefore, ( to my current problem ), Im dealing with another -150 point hit to my credit report, and foreclosure warning letters from the company.

I once again asked the company to dispute the company error with the credit bureaus, but as far as I know, my request is being disregarded again.

Ive had my loan since XX/XX/XXXX, every mortgage payment has been made on time since then. Ive tried almost everything I can think of to get the company to resolve these issues and close out the account but the company neglects my complaints and refuses to expedited resolving my concerns.

I am afraid I may have to take more extreme measures to fight this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

A " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card was opened on my XXXX XXXX insurance account XX/XX/21 by someone who was not myself as in the owner of the account. As US Bank is the provider of the " XXXX XXXX XXXX XXXX XXXX Visa XXXX '' credit card, I reached out to them Saturday XX/XX/21 in which I was informed there was a balance of {$19000.00} existing on the card. The US Bank fraud department representative said he voided the charges and locked the card. I myself would then receive a credit card in the mail ( along with documentation of the charges and account ) in which I would have to call the number on the card to officially close the US Bank account opened in my name.
Product: Debt collection

Midland funding at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Has been sending me collection notices in the amount of XXXX the collection has been reported as pasted due balance. I do not know This company.this company does not have a contact with my signature.
Product: Checking or savings account

got hired by a company in XXXX that turned out to be fake thru likedin XX/XX/XXXX got a message from a hiring manger by a company nexwafe in XXXX talked with her for almost 3 hr on teams about the job she hired me and said that on Friday XX/XX/XXXX i would receive 2 checks to bring to my bank and it would be for the remote work material such as computers desk chair etc. 
received two checks from XXXX, check amount was XXXX $ total. 
XX/XX/XXXX funds were available for me to use. 
XX/XX/XXXX XXXX $ was sent to a person here in Texas to get me materials for work XX/XX/XXXX was instructed by the manger to do a wire transfer XXXX $ wire transfer was fine went thru XX/XX/XXXX after XXXX my time here i only only got an email from chase bank, no calls from them no alerts from them that the checks have bounced back and even my own money that i had in there was gone too called chase immediately. was on the phone with them for 4 hours, talked with 7 people, everyone was rude, mean to me, yelled at me and said all this is my fault. they told me to go into a local branch next day. 
XX/XX/XXXX went to a local branch, manger there could not help me at all and said that these things happen all the time to people
Product: Mortgage

For fifteen years I have faithfully and on time paid my monthly mortgage payment via direct automatic debit from my checking account. The final payment was due in late XXXX. The servicer, Nationstar Mortgage d/b/a Mr. Cooper, did not debit my account for the final payment. I was told that they would only accept payment by wire transfer or cashier 's check sent via overnight mail. I have reviewed my mortgage and do not see any terms that would allow the mortgage holder or its servicer to place such onerous restrictions on the payment modality ( restrictions which will cost me money ). 

The company has also now assessed a late fee. In addition, the final payoff statement includes a recording fee of {$60.00} ; again I don't see anything in my mortgage that would allow that to be charged ; it is a cost of their doing business. 

I have spoken to the company four times and every time the answer is " that's our policy ''. At the end of my most recent call ( XX/XX/XXXX ), I was promised that a manager would call my cell phone to discuss the matter within two hours. Over a week later I have never received a call. 

I wrote to them twice ( attached ) and have not received a substantive response. They have me over a barrel - I can't in good conscience make my final payment because they are making it so hard to do so - both method and amount ( I question their statement ). You will note from the attached correspondence that they will not respond to me for over a month - by XX/XX/XXXX. That puts me another month past due, and of course I have legitimate concerns about their reporting me to credit bureaus I believe that the company is engaging in unfair trade practices by forcing final payment by restrictive and consumer costly methods, adding a recording fee, and not answering my good faith questions. 

Please review the attachments. They document my good faith efforts to engage and their
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these inquiries deleted or updated. These are the items I demanding to be deleted immediately : 1. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report. 

2. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2021 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

I opened my credit report in XX/XX/2023 and found many information that is not mine I send the information with the FTC to the creditors they stated in their investigation that it was accurate I called and they said they will see what their reinvestigation launched this time no response waited and waited and then things gone worse accounts were showing up that they were not mine with creditors instead of the situation getting better it got worst XXXX XXXX XXXX XXXX XXXX also I filed a police report again this time in XXXX and I did send them the may one which for them was not acceptable I AM REQUESTING HELP!!! never get thorugh with them and they never send me anything
Product: Credit reporting or other personal consumer reports

I contacted XXXX to remove an account that's older than XXXX years still posted to my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX and Tele Check is declining my personal and payroll checks for payment and cashing at XXXX retail stores, various other retail stores, and other check cashing companies. I dont know why XXXX or Tele Check is declining and not approving for my checks to be cashed or presented for payment. I want XXXX and Tele Check to immediately remove all restrictions from my consumer report and start authorizing and approving my payroll and personal checks to be cashed and presented for payment at all retail stores that use XXXX XXXX XXXX and Tele Check.
Product: Credit card

Ive had a Bread Cash Back Amex credit card for about four months. Aside from their many website glitches and outages, the more important issue is their assumption that there was fraud on my fraudless account ; therefore, my card was locked three times, and unlocked twice. After three phone calls and one snail mail letter, my rectifying efforts resulted in them constantly kicking the can down the road. I was told of ongoing investigations, prompted by them, not me. 

The last communication from them ( via snail mail letter ) asked me to call them within 30 days, or the account would be closed. I called immediately after receiving the letter. Again, the can was kicked, pending further investigation. I told them to close the account, then added that they earned their many negative online reviews ( one site posts 73 % negatives ). 

I have a second fraudless Bread credit card under investigation, which is about to cheat me out of {$50.00} cash back. I was {$17.00} short of earning it, and then it was locked. I expect this account to undergo the same scenario as the aforementioned. 

I assume that Bread is using this tactic to claw back any earned cash rewards.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act. The list of accounts below has violated my federaly protected consumer rights to privacy and confidentiality under 15USC 1681. 

I told Experian to investigate this account XXXX XXXX XXXXXXXX, however, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15USC 168i ( 5 ), they are supposed to modify accounts that are not reporting correctly 15USC 1681 s -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: Debt collection

-Recently, I noticed a decline in my credit score because of a derogatory account from a collection company called XXXX XXXX XXXX XXXX 
-After investigation, I found that XXXX XXXX bought a false debt from Synchrony bank without verifying the authenticity of that debt. 
- In order to extort me to pay this false debt, XXXX ruined my good credit history by sending invalid claims to the major credit reporting agencies.
Product: Consumer Loan

Wells fargo applied a personal loan for me without my knowing, i was forced to sign a document not knowing what i signed for and not knowing what the document is. wells fargo pulled my credit and lower my score without my consent. the unethical practice is unbelievable and the bank should be a national shame. The application number i got in the mail is XXXX. the bankers and managers at XXXX, MD dont know what they are doing, practice unethical account openings, elderly abusive, and take advantage of poorly english speaking immigrants.
Product: Credit card

I believe the account is invalid. XXXX needs to verify under oath that this claim is valid, free from any claims and defenses including but not limited to any breach of agreement, failure of consideration, or material alterations, and that the original lender provided value. Further, the alleged account was transferred in good faith and with the consent of all parties involved. If they are unable to provide under oath the previously listed items then I require the account to be remove from my credit & their records.XXXX XXXXXXXX
Product: Money transfer, virtual currency, or money service

At XXXX pm - XXXX XXXX, XXXX I have done a deposit from an external crypto exchange ( Binance ) of XXXX Litecoins to XXXX ( company of Coinbase ), but those crypto currencies are n't arrived in Coinbase as the notification promised.I received thoug an notification that the deposit was received at Coinbase and also that it was forwarded to XXXX. After that I received an mail that the last stap ( automatically forwarding to XXXX ) went succesfull but I had to transfer it manually from Coinbase to XXXX. But this wasnt possible! 

XXXX XXXX I have filed immediately an ticket to support of XXXX, telling the whole situation and asking for immediate solution, this didnt help. Case number is XXXX. 

I called the support line of Coinbase and they basically even didnt know how XXXX worked and they could tell me more then saying that they would it escalate to an XXXX specialist. I received an confirmation of this. 

So I am now 8 days waiting for those XXXX 's, but still did n't arrive. As a day trader this is my job and bread. I lost many trade possibilities and indirectly make losses because of this situation.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX My  accurate address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Debt collection

I have never done business with this company and do not have a contract with them and never will I want this account to be removed
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 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 months reported late to 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: Debt collection

On XX/XX/2018 I receive a bill in a letter form CREDITONE L.L.C. informing me of a debt on the amount of {$10000.00} I disputed this debt immediately by calling the Creditone LLC Manager Mr. XXXX XXXX at XXXX and notifying him so. Actually, I left a message on te answering machine informing him about my denial of such debt, which was registered by their Creditone File No : XXXX Their address is : Creditone LLC, XXXX XXXX, XXXX, LA XXXX
Product: Mortgage

I spoke with XXXX mortgage on XX/XX/year> and they verified they would make a payment for our secured tax bill out of the escrow account. It shows on the amerihome statement that a payment of XXXX was paid to the country taxes in XXXX of XXXX. After getting a letter from our new mortgage company, XXXX XXXX that we have a delinquent tax bill, I looked on the XXXX XXXX XXXX website and it does show a delinquent tax bill. XXXX is responsible for this payment and making the account paid in full.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against TransUnion and XXXX for their inaccurate reporting of a debt that has not been validated as mine and for reporting the same account multiple times on my credit report, which is in violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Issue 1 : Reporting of Unvalidated Debt According to the FCRA, credit reporting agencies must ensure that the information they report is accurate and complete. In my case, TransUnion and XXXX have reported a debt that I have disputed, and they have failed to provide validation that this debt actually belongs to me. I have made several attempts to dispute this account and request validation in writing, but neither TransUnion nor XXXX has adequately investigated or corrected this error. 

This is a violation of my rights under 15 U.S.C. 1681i ( FCRA Section 611 ), which requires that credit reporting agencies conduct a reasonable investigation after receiving a dispute from a consumer. Since the debt has not been validated, it should not continue to appear on my credit report.

Issue 2 : Multiple Listings of the Same Account Additionally, the same debt has been listed more than once on my credit report, which negatively impacts my credit score. Reporting the same account multiple times is misleading, inaccurate, and a violation of the FCRA. According to 15 U.S.C. 1681e ( b ) ( FCRA Section 607 ( b ) ), credit reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Reporting the same debt multiple times does not adhere to these standards.

Harm to Credit Score The inclusion of unvalidated debt and multiple listings of the same account have directly harmed my credit score, preventing me from obtaining credit on favorable terms and negatively affecting my financial stability.
Product: Credit reporting or other personal consumer reports

Under the Fair Credit Reporting Act ( 15 USC 1681 ), consumer reporting agencies, including XXXX, Experian, and XXXX must handle their responsibilities fairly and respect consumers ' privacy rights. As per 15 USC 6801, financial institutions, including XXXX XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, are obligated to protect customers ' nonpublic personal information. However, I haven't provided written consent for disclosing my information to XXXX, Experian, or XXXX by any financial account on my report as required by 15 USC 1681 section 604 ( a ) ( 2 ). 
Moreover, 15 USC 6802 stipulates that a financial institution can not disclose nonpublic personal information without informing the consumer of their right to nondisclosure. Unfortunately, I was not informed of this right by the information furnisher. Additionally, XXXX, Experian, and XXXX are reporting adverse information without my permission, violating 15 USC 1681C ( a ) ( 5 ) and 15 U.S. Code 1681s-2 ( A ) ( 1 ), which prohibits furnishing inaccurate information. 
Furthermore, XXXX, Experian, and XXXX are not maintaining reasonable procedures as mandated by 15 U.S. Code 1681e, and 12 CFR 1016.7 affirms my right to opt out of such reporting at any time. Therefore, I am exercising my right to opt out of their reporting practices.
Product: Debt collection

I requested Portfolio Recovery Associations LLC to stop calling my home several years go but the company never stopped. The alleged debt is a medical bill over 6-8 years old past the statue of limitations. The company is data mining old debt and harassing families for a profit. The allege debt by XXXX XXXX XXXX XXXX sold the debt to Portfolio for penny 's on the dime and the debt is beyond the state of Florida statue of limitations.
Product: Credit card or prepaid card

I received an email today from Discover Card services stating that my account was closed due to " not being able to verify my personal information. '' Never been late on a payment, account is in good standings, I did not receive any notice, they just closed my account -- -- right before XXXX!!
Product: Money transfer, virtual currency, or money service

XXXX SINCE AROUND XX/XX/year>, DISGUSTINGLY, I HAVE " HAD '' TO CONTACT PAYPAL LITERALLY PROBABLY AROUND XXXX TIMES OR MORE ABOUT RECEIVING A SIMPLE {$110.00} REFUND. HOWEVER, THOSE CORRUPT INFERIORS, APPARENTLY HAVE CHOSEN TO DELIBERATELY REPEAT LIES, UNRIGHTFULLY DENY DISPUTE, SUBTLY REFUSE TO EMAIL DOCUMENTS & UNJUST WITHOLD THE REFUND. Therefore, on XX/XX/year>, AFTER a 3rd party order was TIMELY CANCELLED & the 3rd party MERCHANT never actually, received ANY funds from me & consequently NEVER actually sent ANY actual refund to me on XX/XX/year> ; the very next day on XX/XX/XXXX, PayPal UNLAWFULLY debited my external checking account for $ XXXX apparently, erroneously ALLEGING that 2 duplicate refunds had SUPPOSEDLY been sent to my account around XXXX, which is absolutely FALSE & UNTRUE. Nevertheless, on XX/XX/XXXX, my XXXX XXXX was able to get that money amount REFUNDED back to my Checking account on XX/XX/year> ... However, the very next day, PayPal UNJUSTLY debited my PayPal account for {$110.00} on XX/XX/year> & ever since XXXX, I have been DISPUTING that ERRONEOUS debit & have been attempting to RIGHTFULLY be REFUNDED for the {$110.00}, yet those INVOLVED, INCOMPETENT, CORRUPT, WEAK, IGNORANT employees from PayPal have apparently been DELIBERATELY LYING, DISCRIMINATING against me & UNLAWFULLY withholding the OVERDUE REFUND ... Also, probably OVER 12 TIMES, I have " requested '' for PayPal to EMAIL me the " investigative documents '', Yet as of XX/XX/year>, PayPal has STILL STUPIDLY, NOT even sent me the SO CALLED " investigative '' documents,,, because they are UNCONSTITUTIONALLY PRETENTIOUS, etc...
Product: Money transfer, virtual currency, or money service

I sell XXXX  items on an e-commerce site. This site only has PayPal as a payment method. PayPal holds the funds until the items are marked as delivered. I made two sales the week of XX/XX/21. As of date both items have been delivered. Once my funds were released I was having trouble making the withdrawal. I contacted PayPals support and they told me theres a temporary hold on my account and to try again in 48 hrs. A day later I then received an in app message saying my accounted was permanently suspended but when I asked why they wouldnt tell me. They said my funds would be held for 180 days. Yes, 6 months.. this is ridiculous and a laugh in the face to any adult who is paying bills during this pandemic. The message also said to refund my buyers.. the same buyers who have already received the merchandise that I havent been paid for! Ive tried to contact them several times and they keep giving me the run around. Upon XXXX searching I learned this is a common thing they do to make interest..