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

Upon reviewing my credit file, incorrect information was found in my reports. The XXXX, XXXX, and Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Checking or savings account

I opened an account online which was supposed to give me a bonus of {$100.00} in XX/XX/2019 after I met their requirements. I met their requirements in XXXX and they said they would send me a check because some how the online code didnt work and it would be about 30 days and gave me a reference # XXXX. So around XX/XX/XXXX I called back and they had me on the phone for over an hour trying to figure it out and couldnt find the reference #. They again gave me a new reference # XXXX and said it would be expedited so I should have something within 2 weeks. Still nothing. Called back on XX/XX/XXXX and was on the phone for a half hour while they tried figuring it out again. Told me it wasnt ready yet and in review. Then I received a call on XX/XX/XXXX and they said it's still in review and they will call me when they have a decision. It shouldnt be in review I met all their requirements and have 2 reference # s from them saying they were gon na send it out.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XX/XX/year> Resurgent/LVNV Funding po box XXXX XXXXXXXX XXXX XXXX XXXX : Request for Debt Validation and Assignment Contract To Whom It May Concern I am writing in response to your recent communication regarding the alleged debt referenced below. Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting validation of this debt, including proof that you have the legal right to collect on the debt. 
Account Number : XXXX Amount Owed : {$620.00} Original Creditor : XXXX XXXXXXXX XXXX As part of the debt validation process, I request that you provide the following : 1. The complete details of the debt, including the amount owed and the dates of the debt.

2. A copy of the assignment contract or any document showing that the original creditor has legally assigned the debt to your agency for collection.

3. A detailed statement of the account showing any payments made, interest added, or other adjustments.

4. Proof that your agency is licensed to collect debts in my state ( if applicable ).

Please note that I request this information within the 30-day period allowed by law, and I am exercising my right to dispute this debt until the requested validation is provided. Should you fail to provide proper validation, I will expect that this matter be resolved in accordance with the FDCPA, including cessation of further collection efforts. 
Thank you for your cooperation. I look forward to receiving the requested documentation. 
Sincerely, XXXX XXXX
Product: Checking or savings account

As stated earlier I went to US Bank to see why my social security check had not been received.The teller checked and told me she did not see a direct deposit today from social security. I left the bank and went to the local social security office. The person who assisted me ran a print out that verified with a trace # XXXX that showed that the bank and received the check and it had been processed. I went back to the bank and asked to speak with a banker and someone came out to assist me After speaking with a banker I was told that a hard hold was put on my account because I filed a XXXX  XXXX. I have a debit card with US Bank located at XXXX XXXX XXXX XXXX, XXXX, Wisconsin, not a credit card. I am trying to find out why would it be necessary to put a hard hold on my account. I am the owner of that checking account. This too can be verified. XXXX XXXX XXXX
Product: Credit reporting

They claimed they could not access the files I submitted as were password protected. I am requesting they remove the 30 days late report to XXXX XXXX XXXX XXXX from XXXX 2016. I tried and sent this info to them XXXX2016 without satisfactory results is what triggered this complaint. I have attached a readable file showing that this was reported in Error.
Product: Credit card or prepaid card

My credit card with Bank Of America was activated last year with a limit of {$500.00}. This year my credit limit was increased to {$1000.00} and they told me my card was upgraded and I wo n't be charged any annual fees here after since it 's not a secured credit card anymore and my deposit of {$99.00} would be refunded. Deposit of {$99.00} has been refunded and now I get charged {$39.00} annual fees for a card which has no annual fees anymore as I had been informed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Two different medical institutions sent bills to XXXX XXXX XXXX as they did not bill to insurance, I paid these amounts directly to the individual healthcare entities, thus the two entries from XXXX should be removed from my reports, as this was never a collection issue it was the problem of the billing of the healthcare entity that did not bill insurance
Product: Mortgage

My current mortgage is with Roundpoint Mortgage. Recently I lost my job and contacted them to find out what options I had, or what they could assist with to prevent me from defaulting on my loan. I was told to fill out " Hardship '' application and provide all documentation and then it would be a 30 day review. It has been over two months, and RoundPoint Mortgage ca n't seem to keep track of my paperwork. Every three weeks something is missing ( even though it was previously submitted ) or now.. some paperwork is starting to expire because they have sat on it so long. It takes then over a week just to process your paperwork from an email attachment into their system. They refuse to let you speak with managers and supervisors. I have called day after day after day, we did have a manager call us back once at XXXX when we called him back at XXXX he was gone for the day. Really helpful. RoundPoint mortgage has terrible customer service and is negligent in their customer service.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted account, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on this account though your company claims to has verified this. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the XXXX in question. Sending out a generic form letter through the XXXX  system that does not even contain my reasons for the dispute is by no ones measure reasonable. XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a credit card in Bank of America and the system said we ca n't know your credit score and credit history on the same time I summit my application I do n't know why and they refused me, now the problem is they did hard inquiry in my credit report. It will appear 2 years in my credit score for the system fault. It 's not my fault can you please dispute the inquiry. It happened in XXXX XXXX, 2017. Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act, Experian has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under open an end consumer credit plan as late for any purpose. It is showing a late payment for my XXXX card ending in # XXXX on file. This is simply not true. I would like an investigation launched about this supposed late payment and verifiable evidence that it wasn't paid. COVID hasn't gone away either, especially for those who are high-risk like me. This is predatory behavior during a global health crisis, especially someone like me who has been hospitalized for weeks on end due to being high-risk while handling the gross rate of inflation making it almost impossible to live while creditors keep their interest rates at all time highs and do not offer payment arrangements. Something needs to change! Most importantly, this untrue late payment on my 3 CREDIT REPORTS.
Product: Credit reporting or other personal consumer reports

XXXX XXXXXXXX XXXX XXXX XXXX The above account that is currently reporting to my credit report is is holding up the process of me buying a new home. The accounts is FRAUDULENT and UNAUTHORIZED. -XXXX XXXX XXXX  XXXX XXXX The above account has filed a civil case against me for a debt collections that I did not authorize. They are in violation of FDCPA 805/806/809.demand to see the application for credit or request for business. I demand see the purpose, and written contract, and proof that I applied for these accounts?? I am a victim of Fraud and I am protecting my credit file as much as I can.
Product: Credit card or prepaid card

Hi, I opened a dispute with Citibank credit card, the dispute number XXXX for the amount of {$1000.00}. The credit is no longer investigating this dispute as they said that their are satisfied with the results on their end. 

Here is a timeline : On XX/XX/XXXX, I started inquiring about 3 rooms for my trip. I had advised the hotel that I will enter the country through a cruise ship that will dock on XX/XX/XXXX at XXXX XXXX. I will check out on XX/XX/XXXX to catch my flight home. 

On XX/XX/XXXX, I proceed to book the 3 rooms with them. My confirmation numbers are XXXX and XXXX. The third room was booked by our friend under her card separately. Everything was officially confirmed on XX/XX/XXXX. 

On XX/XX/XXXX, 9 days later I started to contact the hotel requesting to cancel the rooms due to the breakout of the COVID - 19. My family members and children traveling with me were not comfortable in going to XXXX because of the virus. The hotel refused to cancel and refund the money. They had advised that XXXX was still open and will continue to be fully operating in XXXX. I have reached out to the hotel from XX/XX/XXXX through XX/XX/XXXX asking them to cancel, which they refused to. They did offer to reschedule for a later date, however, as the virus became a global pandemic and is not safe to travel at this time. 

I have also contacted the cruise line on XX/XX/XXXX to cancel the cruise and airline tickets. As you can see it was a large group of us traveling. They were very understanding and agreed to cancel the trip. I have also attached the cancellations from the cruise line so that you can see the trip was cancel in full. 

Again I have reached out on XX/XX/XXXX asking them to cancel and refund and again they refused to. I have explained to them again that New York is still on lockdown and I am not sure when we will be reopening. I have explained that the cruise and airline tickets have all been canceled and I can not travel at all. I have told them a few members that were traveling with me have been tested positive for the virus and are slowly recuperating. 

I have had this trip planned since XXXX, believe me, if I could I would love to go but with the situation with the world right now it is not safe and I refuse to put my family and children 's health at risk. 

Please review and advise if you need any further documents or information. 

Please help to reverse this charge. 

Best regards, XXXX XXXX Attachments Displaying CITIBANK.pdf.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian refuses to allow Consumers to update their paid debt with credit cards or others immediately. They tell you you must wait until the Credit Card does its own reporting. 

XXXX and XXXX allows you to update it immediately. 

Why doesn't Experian? experian has many Clients and the clients as creditors want to charge consumers as much as possible so why hurry to update this information? 

I just paid down by 30 % all my XXXXXXXX XXXX but I have to wait weeks or a month or longer for them to report. this is one sided for the Co and not the consumer. 

Why???? Is it that Experian person are lazy and can't do the work to update it? 
the Vendor client would gladly report the consumer asap. this must stop. 

It should be illegal and must be changed. if the consumer is working on a refiance or new loan they want to apply now not in a month!!!
Product: Checking or savings account

I opened an account approximately a month ago at Bank of America that was setup with direct deposit. On XXXX I attempted to withdraw from an ATM and was unable to do so. I was told I would have to contact BoA the following morning. On XXXX BoA informed me that my account is in the process of being closed and my funds are unavailable for unknown reasons. BoA has not provided a valid reason for the erroneous closure nor returned my funds in a timely manner.
Product: Credit reporting, credit repair services, or other personal consumer reports

15 USC 1681 Section 602 states I have the right to privacy. Experian has violated my right to privacy and consent.

15 USC 1681 Section 604 A Section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B states that a creditor may not treat a payment on a credit card account under open end consumer credit plan as late for any purpose. 

Experian has violated my rights and I ask that the late payment they're reporting on my XXXX XXXX XXXX account be changed to Paid As Agreed XXXX.
Product: Credit card or prepaid card

See the attached documents. I urge the bureau to launch an investigation concerning these accounts, which falsely indicate late payments even though I have always been punctual with my payments.
Product: Credit reporting or other personal consumer reports

This is my first endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX NJ XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX, NJ XXXX XXXX XXXX XXXXXXXX XXXX  NJ XXXX XXXX XXXX XXXX XXXX NEW YORK, XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$4300.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$1000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$1900.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} Chapter 13 Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter 7 Bankruptcy XXXX Date Filed/Reported : XX/XX/XXXX Chapter 7 Bankruptcy XXXX XX/XX/XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXXXXXX Balance : {$980.00} XXXX  XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$3300.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XXXX  XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX  The hard inquiries on my credit report I don't recognize nor did I consent to.
Product: Money transfer, virtual currency, or money service

On Saturday XX/XX/XXXX I was in contact with a seller ( XXXX XXXX XXXX XXXX XXXX ) on XXXX. He was selling a transmission for a car. I tried several different way to pay for this item. XXXX was not working at the time and the seller suggested using XXXX stating that it was free and safe.I found that this app was a feature that appeared to be backed by my bank. All I had to do was log into my Wells Fargo App and click on a button that said send money with XXXX. I used this feature within my Wells Fargo app to send him a deposit of XXXX. Once he received that I sent him the remaining XXXX on the same day. This larger amount did not actually go through until XX/XX/XXXX according to the XXXX Activity Log. The seller was very active with talking to me and confirming my information and promising shipment as soon as the money was received. I have not heard from the seller since that day. I filed a claim with XXXX and they responded that they would not step in until XX/XX/XXXX. At that time they informed me that since I did not use XXXX they would not assist me. I requested that this seller be block and complaint be filed. I then called my bank Wells Fargo who told me that " I knowingly sent the money and they would not assist me either ''. I tried reaching out to them again since there has to be a way for them to do a take-back or a reversal of the money. They said there is nothing they can do even if I misspelled the email address that I was sending it to they would not be able to stop it. I did reply to a video that Wells Fargo posted about XXXX and how easy it was to use. This got someone from their social media account to reach out to me who did not assist me either. He just kept saying that it says in really fine print about liability and limitations. I am currently out XXXX I have all the emails back and forth with this seller and the confirmations from XXXX of the transfers. Neither XXXX or Wells Fargo will assist me.
Product: Debt collection

XXXX XXXX collected the balance that they reported yo the credit collection service. That company is Credit Collection Services XXXX XXXX XXXX XXXX, MA XXXX I used my Visa Card over the phone to XXXX with my XXXX XXXX  XXXX Representative on the line. 

The payment went thru then they said a small balance was due on the Renter 's Policy which was 1 month over due 'but ' they couldn't collect it because it was too small and they couldn't open the Policy. 

I said, I can pay it and I saw no bill. That Policy was on 'auto-pay ' too. It should've been paid. 

Thanks XXXX XXXX XXXX CC MY ESQ 'S, XXXX XXXX FBI XXXX
Product: Mortgage

XXXX detailed an escrow difference in reply to a prior complaint regarding increase in monthly payment amount, this difference appears to have caused payment to increase. A payment in amount of {$1300.00} was made to cover XXXX payment, account is currently past due for XXXX and XXXX. Prior to this, I intended to make a payment in amount of {$2000.00} to cover XXXX as well as part of XXXX, however, payment from XXXX XXXX, in said amount, did not arrive. XXXX with XXXX requested I pay difference in escrow amount, which is unavailable to me at this time, however, previous payment amount of {$1300.00} already made in which case, I would not be able to pay full escrow difference. I understand my homeowners insurance decreased in amount of {$100.00} roughly, I request XXXX use payment amount of {$1300.00} towards escrow difference mentioned in their prior reply, split it between 12 months to lower monthly payment and include insurance premium difference of {$100.00} in their assessment, if possible. I'm due to start a second job with XXXX XXXX, as soon as background check is complete, payments should be made on time going forward.
Product: Credit reporting, credit repair services, or other personal consumer reports

Chase Bank stated I applied for a car loan on XX/XX/XXXX. I did not apply nor sign the agreement as the agreement has no date mail to me by Chase Bank nor is that my signature. I applied for a car loan with XXXX  XXXX XXXX  in which I had a loan already with them and was approved when buying the XXXX XXXX XXXX  on XX/XX/XXXX is the day I applied for credit to purchase the XXXX XXXX XXXX. The document sent to me by Chase Bank where who ever sign my name with no date. as to the contract mailed to me. That is not my signature The contract has the wrong date of birth as the wrong social security number as stated on the as PA does not have drivers lic numbers as stated on that contract. Wrong Social Security Number Wrong date of Birth.Only thing right is the las 4 numbers of my social security number all date of birth driver lic is all wrong and not me.
Product: Vehicle loan or lease

This is a two-party loan where I am the primary borrower. The second party has attempted to extend the duration and increase the total cost of the loan, without my consent.

The lender never contacted me before allowing an extension of the duration and increased the total cost. At no time has the lender given me no option to agree ( or disagree ) with a change of terms.

Upon becoming aware of the change of terms, I contacted the lender. Their representative of the lender said many things including, but not limited to : 1 ) " there is no primary borrower on a loan '' 2 ) " we can change the terms of the loan without consent of all listed parties '' 3 ) " we won't stop the extension ''
Product: Student loan

After I graduated from XXXX ( which also lied to me about the whole process of the loans ) I was given a suppose 6 month free period but the interest was still going thru that time period. I had reduced my XXXX debt down to XXXX after graduating thru means of grants and such for good grades and now that I have this diploma that does not even work since XXXX was a fraud and I 'm stuck here with the debt I was baited into and I just feel cheated and Navient will not work with me to maintain my payments at a recent amount, my options are pay over XXXX dollars a month, get a deferment which would just increase my loan or not pay at all and get harassed by them daily. Just seems like no one is there to help me after graduating, I 'm just a customer number to them that they want to extract money from. Perhaps talking about XXXX in this complaint about Navient ( XXXX XXXX ) but I just feel cheated by both companies, I can not attend school anymore with a loan because of it and I can not use the diploma either, it is just a piece of paper now.
Product: Credit reporting or other personal consumer reports

Someone has used my personal information to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects. I a victim of a severe form of XXXX  in persons under 22 U.S.C. {$7100.00} ( 11 ) or XXXX XXXX  under 22 U.S.C. 7102 ( 12 ) as required to qualify for certain adverse credit information to be blocked pursuant to 12 C.F.R. 1022.142. My credit report was affected by debt bondage.