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

ACCORDING TO 15 USC 1681I - XXXX, XXXX, AND TRANSUNION HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) # XXXX XXXX XXXX XXXX # XXXX XXXX XXXX ( Original Creditor : XXXX 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 Any 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 of the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Amount : {$2600.00} XX/XX/XXXX Amount : {$5100.00} XX/XX/XXXX Amount : {$4900.00} XX/XX/XXXX Amount : {$5100.00} XX/XX/XXXX I have never seen this. Can you please take this off and any information on the dark web. The dark web and social security inquiries keep appearing on my report every day. Thank you!
Product: Consumer Loan

My girlfriend paid off a personal loan at Wells Fargo I had. The next month I got a statement in the mail from them with reversed charges and reversed payments which then left a balance on the account that should have closed when she paid it off. That was in XXXX. I just got another statement with a balance of {$460.00}. I tried to get it resolved when the account was paid off, but was told I just need to pay it or it will go on my credit report.
Product: Checking or savings account

I opened up an account with Current ( XXXX XXXX XXXX/ ) and opened up 3 " savings pods '' to earn interest in each pod ( principle amount {$2000.00} per pod ) in XX/XX/2022. 

Current changed their interest earning terms to require a direct deposit to continue earning interest, so I withdrew my funds and closed my account in XX/XX/2022. 

During the time the account was opened and money deposited, I earned over {$100.00} in interest that needs to be reported to the IRS, but I did not receive a 1099-INT by the XXXX deadline required by the IRS. 

My account has been closed and I can not access any information to find it on my own. I reached out XXXXhree times to their customer service to ask for the form and interest information to file my tax return, and each time they said my account is closed so they can not help me or send me any forms. IRS requires a 1099-INT form for interest earned over {$10.00}. Current says they only send out if it's over {$600.00} and only to current members, which is in violation of the IRS rules. 

Attached is a PDF of my correspondence with Current regarding the issue ( they do not have a customer service number so can only be contacted via email ).
Product: Credit reporting or other personal consumer reports

I am a victim of identity theft. I was parked downtown XXXX XXXX when my car was broken into and my wallet and other various accounts. I have no connections or knowledge of any account listed. 

please help me I tried everything and its no resolution. 

someone even have an eviction in North Dakota in my name which I have never lived outside of XXXX ca. 

please please help these aren't mines.
Product: Credit reporting or other personal consumer reports

In XXXX of XXXX I contacted Experian, XXXX and XXXX in regards to incorrect information being on my Credit Reports as a result of Identity Theft and Fraud. I submitted the Police Report, The FTC Identity Theft Report along with copies of my State Issued ID Social Security Cards and Utility Bills showing proof of residency. On XX/XX/XXXX I received updates from Experian in regards to the account XXXX  XXXX XXXX XXXX Account # XXXX showing that it was REMOVED from my file. I also received letters from the other two XXXX XXXX and XXXX along with a letter from the Creditor XXXX XXXX XXXXXXXX stating that the Fraudulent Accounts was REMOVED. Moving forward on XX/XX/XXXX while updating my information while receiving resources from the XXXXXXXX XXXX XXXX in my state upon pulling my updated credit report I received from Experian we notice the account was added back to my file. Along with several other accounts that were previously REMOVED from my file. I have the PROOF that these accounts were REMOVED because I have the evidence of my results from Experian. Experian did not notify me that these accounts were reinserted back on my file nor did they send me a updated credit report. Upon seeing the information I immediately contacted Experian in which they started a new dispute. Now they are stating that the accounts would not be removed because the Creditors verified the information as Accurate. How were they able to verify the account when Experian REMOVED the account at the Creditors Request as Fraud. I have since tried to contact Experian back in regards to the issues I'm having, but I have not been successful at a fair resolution. Experian is neglecting to remove these accounts from my Credit File even after receiving the proper proof that the account was Fraudulently opened. As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 1 kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the informatin requested from the list of acceptable itms which only 2 are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).
Product: Student loan

My daughter 's student loans ( I'm the cosigner ) have recently been transferred from XXXX XXXX to Firstmark Services. Many letters were received but none referenced her new XXXX account number. I mailed a personal check on XX/XX/21 ( the check was dtd XX/XX/21 ) to the specified XXXX XXXX in XXXX XXXX. Along with the check I mailed detailed information ( personal info for my daughter so they could identify her account ). This check cleared my bank account on XX/XX/21. I've repeatedly contacted XXXX 's customer service dept. by phone asking them to post this payment against the account ( it is showing past due and I'm receiving emails multiple times per week threatening to report this late payment to my credit ). After asking to speak with a supervisor I was told on XX/XX/21 that the only way they would do anything was to upload proof of payment to their portal. I did this on XX/XX/21 and this has been acknowledged on every call to them since. They still, however, have not posted the payment. Each time I call I get a different promise date for posting. Today I was told that they couldn't give me a date for it to be posted as these matters are handled in the order in which they are received. The customer service person told me this would not be reported to my credit or my daughter 's credit but when I asked for that in writing she said she could not provide that. The payment was due on XX/XX/21.
Product: Credit reporting, credit repair services, or other personal consumer reports

Iv'e tried contacting the credit reporting agencies multiple times about this situation and nothing has been done to further assist me or resolve it. This has been affecting me in my personal life and it has been hectic having to go back and forth with the companies about helping me. This information reporting on my account is unauthorized. Please, resolve this situation immediately.
Product: Mortgage

Dear CFPB Representative ; Is there anything we can do about bad service from a mortgage company? 
I am writing to complain of XXXX errors that have occurred in the servicing of our loan. 

The XXXX XXXX errors have been with the application of XXXX of my payments. Every payment that I mail includes a payment voucher clearly stating the normal mortgage payment plus any additional payment details. On XXXX different occasions over the last year, my payments were erroneously applied totally to principal rather than to principal and interest as required. Each time, I had to call customer service and point out the error and how the payment should be corrected. I was told by customer service, that if I wanted to avoid future errors, I should go online to input my payment amounts to their system. I think going on-line should not be necessary when I complete the company provided payment voucher and send with my check. In fact it feels I am doing a Roundpoint employee 's job. 

The last error was a Roundpoint over-payment from my escrow account for the dwelling insurance. The Insurance Company sent a bill to Roundpoint for {$730.00}. Roundpoint issued a check to XXXX XXXX for {$1700.00}. This error actually paid out more money than the escrow account contained! The estimated insurance amount was only {$930.00} dollars, but almost XXXX that amount was paid out with no alarms. I spoke with XXXX ( processor code XXXX ) in customer service and XXXX ( insurance department ) regarding this error. They were not able explain how this error could happen nor if there were any procedures in place to avoid these errors in the future. 

After depositing the refund check from the insurance company, I have mailed a check for {$1000.00} to fund the escrow account. The current Roundpoint statement ( copy attached ) still shows an escrow shortage as they had not received the {$1000.00} check at the time the statement was printed. I have no confidence that this error will be properly corrected by Roundpoint, nor do I have any confidence in any of their balance calculations. 

In addition, I am angry that Roundpoint customer service has been outsourced to the XXXX! It is always difficult to resolve an error but then to try to explain issues to someone who can hardly be understood because of such a strong accent is frustrating. I am horrified that my confidential information is in a location where the security is questionable and accessed by people who are not subject to the judicial system of the United States. 

I have been a homeowner since 1986 and never experienced such errors from a mortgage company. Is there anything I can do to insure that this does not continue?
Product: Credit reporting, credit repair services, or other personal consumer reports

I had some hard inquiries on my credit. Some of them were not warranted and I disputed to equifax to remove them. After that happened around XXXX XXXX, I checked and saw my XXXX report only showed 1 credit inquiry instead of 4. Previously before the dispute I had 4 on each report. Because of this, I though everything was cleared up. Then I checked my Equifax recently and noticed that there were still 4 inquiries on my report for Equifax but XXXX is still cleared up with just one.

I'm confused as to why it would clear up my XXXX report but not my Equifax report when Equifax  was the one I disputed with anyways?
Product: Credit reporting or other personal consumer reports

This account was charged off on XX/XX/XXXX. Since then the date of last activity has been inconsistently updated. On XXXX the date of last activity is XX/XX/XXXX on Transunion its XX/XX/XXXX and on XXXX its XX/XX/XXXX, with all XXXX bureaus being last reported in XX/XX/XXXX. If the information is coming from the original creditor the dates should be the same. We can not say these accounts are 100 % accurate so its deemed as inaccurate. Please delete this account from my report. 


Account Number : XXXX Account Name : XXXX
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 that are 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: Credit card

On XX/XX/2016 I got on XXXX airlines web sight to purchase a ticket. They had an offer with american express that if you applied and got approved for a credit card, you would receive XXXX dividend mile after you made a {$1000.00} in purchases and a {$50.00} credit after you made a purchase with XXXX. I applied and was approved right a way. They Emailed me my credit card account number. When I tried to purchase my ticket, ( minutes later ) the application wanted my XXXX digit pin number on the back of the card, I did n't have one. I called american express and told them and they said that I will have to wait until I get the card and that they did n't have it either. I bought the {$790.00} airline ticket with another credit card that day, because I did n't know how long it would take to get the card. I received my american express credit card statement today and I did n't see the {$50.00} credit on it. I called Amercian express and complainted about trying to make a puchase and could n't because I could n't get the pin Number and that I I had until XX/XX/XXXX to make a purchase through XXXX before the offer expired.. My complaint is I tried to make a purchase with Delta through their promotion american express credit card and could n't because they would n't give me the XXXX digit pin number to complete the transaction. I tried to get american express to extend that offer for another 3 month but they would n't. I do n't plan purchasing another airline ticket until XX/XX/XXXX at the earliest.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had opened my mortgage account with XXXX in XX/XX/2019, which was later transferred over to LoanCare in XXXX. During the transfer, my account number changed and I was not notified about this. While the XX/XX/2019 payment posted there was an issue with the XXXX payment. I only figured this out when I logged into my account online and it showed a past due payment. When I called to investigate I was told my payment never posted. I had to figure out myself that the account number had changed. So I resent the payment with the correct account number. 

I was assured that since this occurred during the transfer process, no late fees will be assessed and also that this 30 days past due payment issue will not be reported to the credit bureaus. Much to my chagrin, this exactly what happened and my credit score dropped by 94 points in XX/XX/2019 ( XXXX in XXXX to XXXX in XXXX XXXX. 

I raised a dispute over email, which took more than 2 months for them to look into. Their customer service number never reaches and agent so I wasn't able to discuss with any one in person. Not being able to ever reach and agent is a very frustrating experience. I finally received a response by mail that stated they have completed their investigation and find that their reporting was accurate. No explanation. I am unwilling to accept this. I disputed this again and this time there is no response after I waited for 2 more months. This staying on my report is hampering my ability to refinance my loan with another lender at more favorable terms. 

Lender : Loancare LLC ; XXXX Account number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had applied for a XXXX account a few months ago. Upon checking my credit report with XXXX it shows 2 inquiries instead of 1 both on the same day. Having an extra inquiry on my report does not help my credit score. There was only supposed to be 1 inquiry not 2
Product: Credit card

I received a call from ( XXXX ) XXXX, a company saying they were Chase calling about my account.I really thought it was Chase because I have an account and had submitted a dispute. They said to call back at XXXX. I called. 
They asked for my social security number. I did give my information. I realized it was a scam when they couldnt give me any account information once I had shared my information.
Product: Checking or savings account

My Credit Card and Loan became delinquent when I lost my unemployment benefits. Navy Federal Credit Union took all of my money from my Checking account to pay to the Credit Card and Loan without my authorization leaving me with a XXXX balance. I had this problem around XXXX with the account that is now a Loan, which was reviously a closed Overdraft Protection account. Navy Federala Credit Union told me at that time if I converted the account from a Overdraft Protection account to a Loan, I would not have the problem of them coming in and depleating the money in my Checking account to pay the Loan or Credit Card.I did not authorize the payment, did not have automatic re-occuring payments, and asked Navy Federal to put the money ( {$250.00} ) back into my Checking account which they refused to do. They told me they had a " Security Interest '' in my Checking and Savings Accounts that allowed them to go in and deplete my funds when my Credit Card or Loan becames delinquent. I asked to close my Checking and Savings, and they refused to close the Savings so that if any further money was deposited into my accounts they could take it to satasfy my delinquent Loan and Credit Card.
Product: Credit reporting or other personal consumer reports

This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still items that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed items are updated.+ XXXX XXXX XXXX XXXXXXXX Balance : {$31000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$3600.00} XXXX XXXX XXXXXXXX Balance : {$1000.00} XXXX XXXX XXXXXXXX Balance : {$690.00}
Product: Money transfer, virtual currency, or money service

Hi. On XXXX I tried connecting my PNC bank account to the XXXX mobile app so I can pay my daughters ' allowances. XXXX app uses the service XXXX to connect bank accounts. When I tried connecting to my bank I get a notification saying that PNC has made changes and now I am no longer able to connect my bank account using the XXXX service. All other major banks ( and many minor banks ) seem to be using this service, so I don't see why my bank will not allow. Whenever I call PNC, they have no idea what I'm talking about.
Product: Debt collection

I am not an attorney not am I a XXXX party. I am filing a complaint on behalf of myself because it is my legal right to do so. 
I am just now getting back to work and I have some late pays that need to be addressed. I have accounts that are not reporting correctly on my credit reports XXXX XXXX  # XXXX #. My income was impacted due to the Pandemic shutdown. I had some issues with my income being affected by the COVID-19PANDEMIC SHUTDOWN. I wasunder the XXXX, XXXX. XXXX XXXX, section XXXX, codified at XXXX XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ), XXXX XXXX ( a ) ( XXXX ) ( F ) ( i ) ( I ). I am requesting some accommodations so I care to protect the integrity of my credit file.
Product: Credit reporting or other personal consumer reports

Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit health
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX XXXX XXXX XXXX Balance XXXX XXXX Account Name XXXX XXXX XXXX XXXX XXXX Balance XXXX XXXX Unauthorized Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

Procollect is a third-party debt collector located in XXXX, Texas. My daughter leased an apartment with XXXX XXXX in XXXX, Texas. While living there, her upstairs neighbors had a water leak that caused damages to my daughter 's apartment. She notified the apartment complex management, and they attempted to fix the damage. The carpet in one of the rooms was soaking wet and the complex attempted to dry it out. After she moved out, the apartment complex stated that she owed them for the cost of the carpet ( {$250.00} ). She denied being the cause of the damage. The apartment complex sold this debt to Procollect. I was the surety on the apartment lease. Since the damage was caused by XXXX XXXX 's negligence, I told Procollect that XXXX XXXX was at fault and we were not responsible for the damage to the carpet. I sent Procollect documentation regarding this. Procollect says that it is a valid debt.
Product: Credit reporting or other personal consumer reports

I've expressed my complaints regarding identity theft on multiple occasions. Within four business days, you must remove or block any items that were opened without my knowledge, consent, or authority if you can provide the following : ( 1 ) suitable identification proof ; ( 2 ) a copy of an identity theft report ; ( 3 ) the consumer 's identification of the relevant information; and ( 4 ) a declaration from the customer stating that the information is unrelated to any transactions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

I have several inquiries on my XXXX report that I do not recognize. The XXXX XXXX has caused detrimental effects to my credit and score. 

INQUIRIES : XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX I also have a very large fraudulent account on my credit from ( XXXX XXXX The amount is for over {$8000.00} I don't know the exact amount because it's different depending on the report ) I have included a copy of the erroneous report on my credit.