23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

An individual deposited a portion of their Tax return into my savings account in the amount of {$1800.00} and in the amount of {$250.00}. These were payments they were sending to me for money they owed me. However, my bank Pen Fed Credit Union has permanently restricted me access to my account and has stated that I violated their policy by providing my account number to someone else. They will not allow me access to the funds, stating that the tax refunds into my account does not have my name on it and that the person that the tax refund came from is not a member of the account. So Pen Fed Credit Union is refusing to give me access to the funds and they are also refusing to send the funds back to IRS. I have requested and called over 3 times telling them to just send the funds back to IRS. They refuse to do so. They are telling me that the person must have IRS to either recall the funds or submit a " hold harmless ''. I told the individual that ... they called IRS twice so far, and IRS told him that they do not recall funds or file " hold harmless '', and that the banks should return/reject funds if the names do not match. 
Pen Fed is still refusing to do that. This is not okay, and this fraud being conducted by Pen Fed, because basically they are saying they are going to keep the funds if the IRS does not contact them for the funds. The money does not belong to Pen Fed.
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting

On  XXXX   XXXX ,    2017 I  sent certified letters for  XXXX   XXXX   XXXX   XXXX  {$550.00} ) as well as to  XXXX   XXXX   XXXX  ( {$250.00} ) regarding  XXXX  negative items reporting on my report negative asking them to validate the debt. After 30 days, I did not receive validation and/or verification of the debt in the mail as asked. Instead both agencies ignored my request all together and did not provide verification. In  XXXX   XXXX ,    2017 I rea ched out to Experian the agency where the acounts werre reporting negative and explained to them that I previously disputed these  XXXX  accounts with original agencies and received no response. They opened up a new dispute on  X/XX/2017   . I then called today  X/XX/17    to check the status, and per Experian they received verification of these accounts. I explained that how can they receive verification and I did not receive correspondence in the mail? I asked to get a copy of the alleged verification and was denied with the staff stating that the agency does not provide that information. As a consumer if I am disputing something on my report I am entitled to copies of documentation in response to my request and both the original agencies  XXXX   XXXX   XXXX  as well as  XXXX   XXXX   XXXX  failed to provide the information requested. 30 days later, Experian a reporting agency also failed to provide verification and/or validation of debt they have reporting negatively on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian, XXXX, XXXX XXXX XXXX and XXXX XXXX has continued to report fraudulent information on my credit file. I have filed several disputes throughout the years with these companies but there never is a positive outcome. They have continue to report this fraudulent information on my credit file even though Ive given them a police reports showing that Im a fraud victim.
Product: Mortgage

I have made several complaints about PHH Mortgage they act like they are trying to help us when you contact them and then they set repayments to high to be able to complete I had a affordable re payment plant last year I made the I goal down payment and made the scheduled payments and I. XXXX my act was hacked and I did not catch it it caused a payment to be returned to them and without contacting me or giving me a chance to replace they payment they cancelled the arrangement and started foreclosure proceedings I finally got ahold of a manger who gave me 12 days to come up with {$8100.00} I begged for more time or something more affordable I tried to get money out of my XXXX but couldnt do it fast enough so now Im back to trying to work with them they refuse payments unless I pay the entire amount was contacted last week and was told they wanted to send me a re in statement quote and by doing so this would put the foreclosure on hold that did not happen I received papers from lawyer today I called and asked why and was told I was not told that and if I was their employee was incorrect they refuse to let me talk t lo a manager I just want help to stay In My home so Im not homeless in this economy and inflation we all need help I want to pay my house payment Im willing to pay extra monthly a payment and a half or 2 payments you would think they would want to help me instead of taking my home any help you can provide us would be greatly appreciated
Product: Credit card or prepaid card

Chase is charging me interest on new purchases that I paid in full. I had signed up for a 0 % balance transfer option for the amount of {$1700.00}. I had new purchases totaling {$1500.00} as I was waiting for the transfer to " complete ''. I always pay my balance in full to avoid charges. I made a payment of {$1500.00}. When I called Chase XX/XX/20, I was told that they applied half of my payment to the new charges, and the other half to the balance transfer. I advised that I was not given an option on how to have my payment applied, which most companies do. I also reminded them of the law that payments are to be applied to higher APR balances FIRST. I ended up speaking to a supervisor, as the rep was not understanding my questions and just kept repeating herself. The supervisor stated that since I still had a balance on my account ( I verified that he was speaking about my balance transfer ), that my account was subject to interest, even though I paid the new purchases in full. I reminded him that the balance transfer promotion is 0 % and he stated that did not matter. I advised him that I've done balance transfers with other companies, and none of them perform like this. He stated it's in the balance transfer agreement, so they're allowed to do that. I told him that they do not supersede the law, and have to apply my payments accordingly. He stated they're not superseding the law and they can charge me fees even though I have a 0 % promotion. I notified him that I am going to file a report and I will be closing all of my accounts with Chase. He said that's fine, and to have my attorney file charges.
Product: Credit card or prepaid card

On XXXX XXXX, XXXX I received a notice from XXXX that there was a new inquiry on my credit report. I investigated and found a credit application was opened. So I called XXXX to confirm that this had been approved and opened in my name and I did not submit this application. They did close the account but trying to get more information about how to protect my account was extremely difficult This is now the fifth time this has happened to me. The other four times the application was denied and but this time they finally got the application to go through. I do n't understand how this keeps happening. I have called each and every time to report this, filed police reports each time, put XXXX on my accounts, etc. I am fed up with Synchrony Bank and how they allow this to continue to happen. For how large of a bank they are, they are not out to protect their consumers. They push applications and never check fraudulent reports. I am thankful for XXXX letting me know first so I could get the ball rolling and take care of this.
Product: Mortgage

Roundpoint Mortgage LLC, was assigned my mortgage from XXXX XXXX a few years ago. On XX/XX/XXXX, the VA approved my claim for Total & Permanent disability, and dated it back to XXXX XXXX allowed me to have my property taxes discharged. Upon receiving this information, on XX/XX/XXXX I went to XXXX XXXX assesors office and submitted the necessary documents to have the property taxes reflect XXXX for XXXX and future payments. The summer taxes, in the amount of {$2500.00}, had been sent in XX/XX/XXXX, however the XXXX  initiated a refund to XXXX, the third party company Roundpoint LLC uses for escrows. XXXX sent the refund to Roundpoint Mortgage LLC on XXXX XXXX. However, Roundpoint sent another {$1600.00} for Winter property taxes to the XXXX, even though XXXX, from Roundpoint, said she spoke to XXXX, in the XXXX  Treasurers office, on XX/XX/XXXX, and confirmed the XXXX  discharged all property taxes. However, on XX/XX/XXXX, Roundpoint disbursed the taxes to the XXXX. anyway. After going back and fourth for days, Roundpoint assigned me and advocate, XXXX XXXX. We communicated via phone as emails. I was told over and over again that there wouldn't be an overage for me to receive. The numbers weren't adding up, and at the time Roundpoint still had my mortgage payment at an increase of an additional {$17.00} a month. I've taken pride in paying my mortgage in time. However, I have refused to pay it because they're receiving extra money that I know I would have to fight to get back. As far as the {$1600.00}, after I contacted Corelogic several times, they had reached an agreement with Roundpoint, that the XXXX could directly refund the {$1600.00} to me, in which the XXXX did on XX/XX/XXXX. Since that day, I've reached out to Roundpoint advocate and asked for another analysis. They supposedly did it manually, but the numbers do not add up and they're denying my {$2500.00} refund. They're literally stealing from me. They're defrauding me, and after reading the reviews on XXXX, I am not the only one. I am a Disabled US Army Veteran, and I'm being treated horribly. Roundpoint calculations are not correct. I'm owed a refund {$2200.00}, because there was a negative escrow balance in the amount of {$240.00}. They didn't want to give me my refund from the beginning. They continue to make it a problem, that has a simple solution, refund the overage back to me, the customer. 
I'm being penalized for being a tax exempt Total Permanent Disabled US Army Veteran.

PLEASE HELP!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this complaint about XXXX XXXX/XXXX XXXX. This account was not reporting to the 3 major credit reporting agency 's. I spoke with customer service last week and was told they will report this account to the credit beauors. Today XX/XX/2020 I received an alert on XXXX XXXX that the XXXX XXXX account was removed from my report. I don't understand this as the account was never reporting. My score also dropped 4 points due to this. I am requesting that XXXX XXXX please report this account that has a {$4800.00} credit limit and the account is paid in full with a XXXX balance. Never late. Having this excellent amount of credit available plus paid in full will help my credit score increase.
Product: Credit reporting or other personal consumer reports

In accordance with the legal principle " Notice to an agent is notice to a principal, and notice to a principal is notice to an agent, '' I am writing to you regarding a supposed transaction reported on my credit report provided by XXXX, XXXX, and XXXX, which has been incorrectly identified as a late payment on the account with the number XXXX for the month of XX/XX/year> I would like to bring to your attention the provisions in 15 U.S.C. 1681a - Definitions ; Rules of Construction : Exclusions. Except as provided in paragraph ( 3 ), the term " consumer report '' does not include : ( i ) Reports that contain only information about transactions or experiences between the consumer and the entity that furnishes the report. 
Given this, you do not have the legal right to report my transactions and experiences, as the law clearly states that this information is excluded from my credit reports. 
Additionally, the only way a creditor can report a payment as late is in accordance with 15 U.S.C. 1666b - Timing of payments : Timing of payments. A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late unless the creditor has adopted reasonable procedures to ensure that each periodic statement, including the information required by Section 1637 ( b ), is sent or delivered to the consumer at least 21 days before the payment due date. 
For any creditor to treat a payment as late, they must demonstrate that : The required information under 15 U.S.C. 1637 ( b ) was sent or delivered 21 days before the payment due date.
Product: Debt collection

I found mold in the apartment I had mold test done the mold report came back higher than the company has ever seen for ( i have proof and mold reports ) when i called my insurance company they told me to move and sent me reienbusment for some of damaged items. The XXXX XXXX took case to court and the case was thrown out do to the apartment not having enough proof that I owe them anything do to me having to vacate becuase the condtions in the home was unbearable i have alot of proof from emails to photo video and i can retrive the court docments any time if its needed I DONT OWE THIS DEBIT I WILL NOT PAY ANYHTING I DONT OWE i have a large file of photos and videos i can send via email and i can also go get thr supporting court documents
Product: Credit card or prepaid card

I have called citi cards several times and was transferred to the fraud department and they hang up in my face.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, This letter is being sent to you in notice about the INACCURATENESS, INCOMPLETENESS, and more importantly, to your ERRONEOUS REPORTING.

1. The following personal information is incorrect Former : XXXX XXXX 2. The following personal information is incorrect Former : XXXX XXXX 3. The following personal information is incorrect Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX 4. You are in violation of 15 U.S Code 1692j. Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap XXXX Account Number : XXXX Please remove it from my credit report.

5. FDCPA Section 807 Violation Misleading False Reporting. Please remove it from my credit report XXXX XXXX Account Number : XXXX Please remove it from my credit report.

6. You are in VIOLATION of the 15 U.S. Code 1692f- Unfair practices XXXX Account Number : XXXX Please remove it from my credit report. 

7. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX Account Number : XXXX Please remove it from my credit report. 

8. FDCPA section 807 violation misleading false reporting XXXX Account Number : XXXX Please remove it from my credit report. 

9. Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely. 
XXXX XXXX Account Number : XXXXXXXX Please remove it from my credit report.

10. 15 U.S. CODE 1681Q - OBTAINING INFORMATION UNDER FALSEPRETENSES XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

11. Validate Account US DEPT ED Account Number : XXXX Please remove it from my credit report. 

12. Validate Account DEPTEDXXXX Account Number : XXXX Please remove it from my credit report. 

13. Account involved in litigation " an incorrect high balance '' an inaccurate date of last activity " REAGED ACCOUNTS '' " Reinsertion WITHOUT PROPER NOTICE '' an undated late pay a charge off listed as open a collection account with a limit. 
XXXX XXXX  Account Number : XXXXXXXX Please remove it from my credit report. 

14. FDCPA section 807 violation misleading false reporting XXXX Account Number : XXXX Please remove it from my credit report.

15 U.S. Code 1681e ( b ) REQUIRE that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 

I DEMAND you to verify all these challenges and allegations and if can not, under the FCRA, unverifiable accounts MUST be removed. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX  # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX  # XXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX  # XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Mortgage

I was approved on one APR but at closing the APR was higher than agreed in the loan terms.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  SSN : XXXX Date of Birth : XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX TRANSUNION FILE NUMBER : XXXX RE : Trafficking Block Request Dear Sir or Madam : I am a victim of trafficking. The information listed below, which appears on my TransUnion credit report, is the result of that trafficking. 
Accounts : Account 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
I also need the following names be removed from my TransUnion credit report which is inaccurate and never been known by that. 
XXXX XXXX XXXX, XXXX XXXX And the following addresses too should be removed since I have never been associated or lived there XXXX XXXX XXXX. XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I have attached a copy of my SSN card, Valid IDs, and a copy of signed self attestation form to prove I am human who has been a victim of trafficking, so I do not need TransUnion to say or write me and say they could not verify me or my account. 
Please block this information from my TransUnion credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. Section 605C ( b ) states that consumer reporting agencies can not provide consumer reports with adverse information about consumers who have been victims of human trafficking or sex trafficking if the consumer has provided documentation of trafficking to the agency. I have attached documentation of my self attestation to you TRANSUNION. 
Survivors do not need to provide additional evidence to prove their connection to trafficking, beyond self-attestation. 
Please send me notification of the actions taken. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX
Product: Credit reporting

Dear CFPB, I have been trying to dispute a debt that is not mine with XXXX, XXXX ( XXXX XXXX RENTAL ) for the past 3 years. This entity has been using deceptive debt collection practices to collect on a debt that they have not proven to belong to I, XXXX XXXX XXXX. At the same time, the CRA 's have not honored my request to remove tradeline off my reports and the furnisher of the information to verify the debt. I had to file a complaint with my local XXXX and XXXX XXXX did not respond. I made a debt collection complaint to the CFPB and the company is not registered, so they can not respond. This is a last ditch effort for the CRA 's to comply with the FCRA.
Product: Debt collection

Today I received a letter from Dynamic Recovery Solutions claiming that we owed a debt from a company we have never heard of. It claims to have been from a medical group in Arizona. We haven't lived in Arizona in years and the entire time we were there we had Medicaid insurance through the state that covered 100 % of our medical bills. It is impossible that we could have had a medical debt while there. We have never once had a bill sent to us or any attempts at communications with us to deal with any supposed debt. The supposed original creditor has countless complaints filed against them for sending bills to collections agencies rather than to insurance companies. 
This debt does not belong to us, and we will be sending a cease and desist letter to them. We will also be pursuing any and all legal options if this company continues to threaten our credit reports with false debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

America First is reporting a late for XX/XX/20 and this is not my fault, I recently took a look at my credit report and noticed this late was showing. I had already spoken to them about this because I was in the hospital for months and we had to move due to my health. I changed my address on everything, even with the postal office but somehow America First kept sending my statements to my old address. I wasn't aware about any balance and never got a call saying my account was going past due. I immediatley made a payment as soon as I found out. I called America First and explained that they were sending my statements to my old address and since I was out sick, my wife was taking care of things and unless she gets a statement there is no way for her to know if I have something to pay. America First ensured me this would be removed but it's still on there.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a written dispute about fraudulent inquires with XXXX  and trans union I provided my police report my affidavit and sent it certified with my ID, Social Security. I received did not receive a sesponse. I then submitted a dispute on line again yesterday XXXX and today XXXX they send me a response saying they inquires are a factual record of fill they know its fraudulent and didn't even investigable because if they did they would know they are fraudulent. I contacted the creditors and was told they requested the fraudulent inquires to be deletd. XXXX  did not do any investigation what's so ever please review documents inclosed. They are in violation of reporting fraudulent and inaccurate information.
Product: Mortgage

Hello, my loan is financed through FlagStar bank. I have been trying to wrap up my forbearance and start making payments again since XX/XX/XXXX, and have been unable to do so due to multiple bank errors, and delayed processing on part of the bank. I would like to file a complaint and have this escalated somehow so that I can just resume making payments and bring my account current as soon as possible. I have detailed records of my interactions with the bank that I would be glad to provide. 
I have attached my hardship letter provided in XX/XX/XXXX that summarizes the interaction up to that point. I have made a large ( {$4800.00}, XX/XX/XXXX ) payment at the banks demand in order to continue to process my deferral, and continued to contact the bank weekly to wrap this up since then, and feel like I am getting nowhere. For example, I am supposed to have a single point of contact ( SPOC ) with knowledge of my account, but ended up talking to someone new today with no knowledge of my account ( same as nearly every time they call me ) who said she would escalate the issue and call me back ( which is what they usually say ). Thanks for your help.