23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I received a phone call from a debt collector asking for payment or I would have to go to court if payment not received. I then checked my credit report and found on XXXX {$600.00} nonpayment on my file. After speaking to an XXXX agent I decided to dispute the charge and placed Fraud alert on my account.
Product: Student loan

SoFi advertised new lower student loan refinancing rates after going public, and encouraged me to check my rate ( by offering me SoFi points to check my rate and apply ). Additionally, SoFi advertised via chat and their website that they had a rate match guarantee and would also give {$100.00} along with a rate match. My existing rate was lower than what SoFi showed me after I submitted my information. I asked via chat how to take advantage of the rate match guarantee. I was advised to email my proof of lower rate to SoFi 's customer service. I did so immediately, sending over my last student loan statement and loan approval letter from a couple months ago with my current lender. Two days later I had no response from SoFi, so I contacted customer service via chat. The representative confirmed the documentation I sent over and said all that was remaining was completing my application, which included a hard credit pull. I completed the application, and once SoFi approved it at their initial advertised rate, I returned to chat to have my current lower rate applied per the match guarantee. The new representative said that SoFi would not match existing loans, and that I needed a current rate offer from a competitor. This was different than what had been stated earlier the same day by a different representative. Based on the earlier communication, I only agreed to allow SoFi to hard pull my credit and submit my application under the understanding that SoFi would match my lower rate based on the documentation I submitted.

As of now, I have a ding on my credit and SoFi has changed their stance on what they told me re the match guarantee and promotional credit.
Product: Checking or savings account

I am writing to formally address an incorrect charge reversal that was processed on my Chase account, which has now caused my balance to go negative. Chase wrongly reversed a charge of {$32.00}, even though I never disputed this charge. This charge is separate from the {$48.00} dispute that was created XXXX, as these two transactions are from different orders. I originally disputed the {$48.00} charge because I never received my order. 

I can not provide a " disputed '' date for the {$32.00} charge because I never initiated a dispute for it, yet Chase still reversed the charge, resulting in the company withdrawing {$32.00} from my account. I never received a dispute confirmation for {$32.00}, unlike the past disputes I have submitted. 

There was an initial charge of {$32.00}, but this was for a different order that I returned, which is why I received a refund of {$32.00}. This refund was not related to the {$32.00} charge that Chase mistakenly assumed was connected to my {$48.00} dispute. Chase has failed to conduct a proper investigation. I have uploaded supporting proof, including my doorbell camera footage, to show that I never received this order. This handling of my case by Chase has been careless, and I have attached clear evidence showing the correct information. Also Chase sent me a letter stating that the temporary credit that was ISSUED was not PERMANENT, only for them to still take money from account. 

I initially disputed the {$48.00} charge because XXXX refused to refund me when I did not receive my order. However, Chase incorrectly reversed a charge that was never in question, leaving me in a worse financial situation. When I reached out to Chase regarding this error, I was simply told to contact XXXX and that nothing could be done. This response is unacceptable because XXXX has already refused to refund me, which is why I initiated the dispute in the first place. 

This mistake was caused by improper handling from the claims XXXX, who misread my case and failed to follow the correct procedures. As a result, Chase wrongfully withdrew funds from my account, leaving me in the negative. 

I am requesting the immediate return of the {$32.00} that was wrongfully taken from my account, as well as the reversal of any overdraft fees caused by this error. Additionally, I urge Chase to review its dispute-handling process to prevent similar issues from affecting other customers. 

****I have attached screenshots as proof that these two charges are from two different orders. The {$32.00} charge came from a refund on a separate order number, not the {$48.00} order that I disputed. *******
Product: Debt collection

A Collection in the amount of {$190.00} showed up on my credit a few years ago. I was never given any verification of the debt or notified by the debt collector that I had a right to dispute. I paid the collection in full and was told that the item would be removed from my credit report. I'm not even sure if the debt was mine, but could not surely deny it wasn't so I thought it best to pay them and make an agreement to have it removed from my report. This has been over a year and this is still showing on my credit report. They updated the negative remarks to include that the collection was paid in full, but they refuse to remove it from my report like they agreed to do when I paid them.
Product: Mortgage

Roundpoint mortgage has violated several mortgage lending laws, has defrauded me on multiple occasions and continues to do so. They have ruined my credit preventing me, a real estate investor by trade, from obtaining mortgage financing for my current projects. For the first time in over 40 years I have been denied credit because of Roundpoints mis-reporting. Roundpoint needs to be held accountable for their malicious, illegal and fraudulent behavior. If Roundpoint has done this to me a mortgage professional, how many other people have they done this to? I believe an audit of Roundpoint 's business practices will reveal rampant fraud within their origination. Roundpoint mortgage is in violation of mortgage collection laws regarding threatening and abusive phone calls. 

Roundpoint failed to properly notify me they had purchased my mortgage loan in XXXX of 2023. As evidenced by their own correspondence dated XX/XX/2023 they are in violation of proper notification laws. A company can not notify you XX/XX/XXXX for a XX/XX/XXXX payment due date and then charge you late fees when they do not receive the payment ; that is fraud. Attached are my canceled checks from XXXX XXXX, my previous lender. XXXX XXXX clearly date stamped the checks XX/XX/2023. Roundpoint is in violation of mortgage loan collection laws by attempting to strong-arm me into paying late fees when I payed my mortgage payments on time. 

Attached also are my XXXX payments to Roundpoint which were clearly made on time. Roundpoint is defrauding my by refusing to give me interest credit for principal I paid over 4 months ago. Roundpoint has been holding over {$6000.00} of my money for over 4 months now and refusing to return it or apply it to my mortgages. Roundpoint needs to properly apply my mortgage payments and back date the principal reduction payments and credit me the extra interest they have been charging me on the scheduled and additional principal I have been paying for nearly a half a year. 

As this is the XXXX complaint I have filed with the CFPB regarding this problem I have also submitted copies of this and all prior complaints to both the State of California and the State of North Carolina, State Attorney 's Office. I am requesting investigations for trust fund account mishandling, conversion and gross fraud.
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX went to dealership and they put more inquiries on report
Product: Credit reporting or other personal consumer reports

GM FINANCIAL is shown as a closed acct paid in full when it should have been removed off report as I was told and is showing late payments on report
Product: Money transfer, virtual currency, or money service

I have been using XXXX XXXX online for the last couple of years and never had a problem. Over a month ago I had problem with a transaction and was blocked. I asked what the reason why and they send me out a verification forms..I file it out and send all documents. They said they would take two weeks. We're going on a month now. I keep asking what the problem is I get no response
Product: Checking or savings account

I am writing to file a complaint against Navy federal credit union regarding multiple overdraft fees I have incurred.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, an unauthorized inquiry was left on my credit report from XXXX. on XXXX XXXX an unauthorized inquiry was pulled from XXXX. On XX/XX/2022 an unauthorized inquiry from XXXX was filed. On XXXX, XXXX XXXX an unauthorized inquiry from XXXX was filed. On XXXX XXXX an unauthorized inquiry from XXXX XXXX was filed .on XX/XX/2022 XXXX XXXX XXXX filed an unauthorized inquiry.on XX/XX/2022 XXXX XXXX XXXX an unauthorized inquiry on my report. On XXXX XXXX an Unauthorized inquiry from XXXX was filed on my credit report. On XXXX XXXX Unauthorized inquiry was filed on my credit report from XXXX XXXX. On XXXX XXXX resident verify filed an unauthorized inquiry on my credit report. On XXXX XXXX XXXX cards filed an Unauthorized inquiry on my credit report. On XXXX XXXX XXXX XXXX XXXXXXXX filed an unauthorized inquiry on my credit report. On XXXX XXXX XXXX XXXX reported an unauthorized inquiry of my credit profile. On XXXX XXXX XXXX placed a unauthorized inquiry on my credit profile. On XXXX XXXX XXXX XXXX placed a unauthorized inquiry on my credit report. On XX/XX/2022 XXXX XXXX placed a unauthorized inquiry on my credit profile. On XX/XX/2022 XXXX XXXX placed a unauthorized inquiry on my credit profile. On XXXX XXXX XXXX XXXX placed a Unauthorized inquiry on my credit report. 


15 U.S. Code $ 1681c-2 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, not later than 4 business days after the date of receipt.

It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the public record listed below is still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN, it is willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the public records below : XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/2017
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 
XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$1800.00} ; XXXX XXXX XXXX Balance : {$25000.00} ; XXXX XXXX - XXXX XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$34000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX XXXX XXXX XXXX Balance : {$490.00}.
Product: Credit card or prepaid card

AT THE BEGINNING OF XXXX, I GOT A STATEMENT FROM MY CREDIT CARD THAT I BELIEVE IS WRONG. I PROB CALLED ABOUT XXXX TIMES, ASKING FOR A SUPERVISOR. AT ONE POINT I DID GET XXXX SUPERVISOR, WHO STATED, I HAD TO PAY THE BILL, I STATED IT IS WRONG SO WE WENT OVER THE NUMBERS TOGETHER, AND SHE STATED, SHE WAS GETTING FRAZZLED AND GOING ON VACATION AND HAD TO CLOSE AT XXXX XXXX SO SHE WOULD RESUBMIT IT TO THE ACCOUNTING TEAM THIS WAS OVER A MONTH AGO. SHE STATED I WOULD HEAR BACK IN XXXX HOURS. AGAIN I CALLED AND CALLED NUMEROUS TIMES, WITH NO RESPONSE AT ALL I WROTE THE BANK XXXX LETTERS ASKING FOR HELP, I AM TRYING TO FIGURE OUT WHERE MY CACULATIONS WENT WRONG AS I DO NOT BELIEVE I OWE AS MUCH AS I DO, AND I PAID A LOT TO COVER THIS. I HAVE NOT PAID MY BILL IN FULL AS I CAN'T STAND THE STRESS, AND ALSO WAS IN THE XXXX WITH XXXX XXXX XXXX, THE LAST TIME I SPOKE TO AN EMPLOYEE, AND WE WENT OVER THE NUMBERS VERY FAST, AND I AGREED, BUT THEN I DID IT AGAIN AND I KEEP COMING UP WITH THE SAME NUMBERS THAT I DO NOT OWE AS MUCH AS THEY SAY. TODAY I CALLED AND SAID AGAIN I WANT A SUPERVISOR FOR THE XXXX TIME, AGAIN THEY TOLD ME THE SAME THING THEY WOULD ESCALATE THIS, I DO NOT THINK ANY ONE WILL EVER REPOND, I WANT THEM TO TELL ME EXACTLY HOW I OWE AS MUCH AS I DO B/C THE NUMBERS TO DO ADD UP TO MAKE MATTERS MORE CONFUSING THEY PUT OVER XXXX BACK IN MY BANK BUT REALLY DID NOT SO THAT IS TOTALLY CONFUSING. I NEED HELP GETTING THEM TO ANSWER ME AT THIS POINT RIGHT OR WRONG I NEED TO UNDERSTAND WHY THEY THINK I OWE AS MUCH AS I DO WHEN I DO NOT IN MY MIND AND MY CACULATIONS, IF I AM OFF I ALREADY PAID, BUT I AM NOT HAPPY AS I FEEL ITS STILL WRONG AND WANT THEM TO GO OVER IT WITH ME WITH A SUPERVISOR NOT JUST AN EMPLOYEE RUSHING ME THANK YOU DATES STARTED ABOUT XX/XX/15 I HAVE WRITTEN THEM XXXX LETTERS ALREADY WITH TRACKING TO SHOW THEY GOT THIS. I HAVE CALLED ABOUT XXXX TIMES. I FEEL I OWE AT THIS POINT XXXX CENTS YET THEY HAD ME PAY XXXX AGAIN I NEED THEM TO GO OVER THE FEE NOT WITH JUST AN EMPLOYEE BUT WITH ME AND A SUPERVIOR OR THE ACCOUNTING TEAM LIKE THEY PROMISED THIS IS GOING ON WAY TO LONG. IT CLEARLY STATES ON MY STATMENT TO WRITE TO THEM AND I DID XXXX INCLUDING EVERYTHING THEY ASKED, AGAIN I AM NOT A MATH PERSON, BUT I CAN USE A CACULATOR, AND THEY NEED TO REPOND WITH A HIGHER UP PERSON NOT JUST AN EMPLOYEE THAT WAS RUSHING ME TO FIGURE THIS OUT THANK YOU
Product: Credit reporting, credit repair services, or other personal consumer reports

There are on authorize items on my credit report that I did n't pull my credit 17 hard INQUIRIES THAT ARE AFFECTING MY CREDIT SCORE THE INQUIRIES WAS REMOVED FROM MY XXXX CREDIT REPORT BUT THE INQUIRES FROM YOUR COMPANY IS STILL SHOWING ON MY CREDIT REPORT I SEND AND LETTER AND TRYING DISPUTTING INQUIRES AND GETTING A LAWER THIS IS FRAUD ON MY REPORT AND HURTTING MYSELF AND CHILDREN
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second 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, block 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, CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, CA XXXX ; XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX Balance : {$11000.00} ; XXXX XXXX  Balance : {$6800.00} ; XXXX XXXX XXXX XXXXXXXX XXXX Balance XXXX {$2300.00} ; XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Balance {$3900.00} ; XXXX Inquired on XX/XX/2021 ; XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/2021 XXXX
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep disappointment and frustration with the ongoing issue regarding the correction of a late open account and removal of late closed on my record, despite this attempt to rectify the situation. Despite providing thorough documentation and adhering to the prescribed procedures, it is deeply concerning that the problem persists without resolution. This recurring issue not only causes me significant inconvenience but also undermines my confidence in your organization 's ability to handle such matters competently and effectively. I implore you to prioritize this matter with the utmost urgency and take immediate steps to correct the late open and remove the late closed accounts entry on my record. Furthermore, I expect to be kept informed of the progress made in addressing this issue and seek appropriate compensation for any damages or losses incurred as a result of this persistent error. With this, I am asking for your assistance to correct this late open and remove the late closed account : XXXX XXXX XXXX XXXX  Balance : {$55.00} You are reporting different information from other bureaus. Per FCRA, reporting must be 100 % accurate or the information must be updated. 

XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} Please investigate the account name, date of last activity, and account balance. This information seems to be misleading. This will need to be removed pronto. 

XXXX XXXX XXXXXXXX Balance : {$0.00} Investigate the way this account is reporting the date of last activity, opening date, and the account name. I believe this information may be inaccurate. I need this account removed NOW. 

XXXXXXXX XXXX XXXXXXXX Balance : {$0.00} I see things may be inaccurate. Start looking at the account name, opening date, and high balance. I believe this information may be inaccurate. Immediate removal of this item is necessary.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Has a accounts on my credit report that should not be there. 


Account Number XXXX Account Type Installment Loan Terms 120 Months Date Opened XXXX/XXXX/XXXX Account Status Closed Payment Status Paid Payment Status Details Paid, was a collection account, insurance claim or government claim or was terminated for default Status Updated XXXX/XXXX/XXXX Balance - Balance Updated - Credit Limit - Past Due Amount - High Balance - Monthly Payment - Balloon Payment - Contact Phone ( XXXX ) XXXX Contact Address XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Company Sold-to - Original Amount {$3500.00} Comments - Payment History XXXX XXXX XXXX XXXX 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, credit repair services, or other personal consumer reports

These accounts have violated my rights to privacy as a consumer protected by federal law according to the Fair Credit Reporting Act under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 Section 602A says that I have the right to privacy.

15 USC 1681 Section 604A section 2 says that a reporting agency can't furnish an account without my written consent to do so.

15 USC 1681c. ( a ) ( 5 ) says that no 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 USC 1681s-2 ( A ) ( 1 ) says that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person know or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

Subject : Request to Block and Delete Accounts Due to Identity Theft Pursuant to 15 USC 1681c-2 ( a ) To Whom It May Concern : I am writing to formally notify you that I have become a victim of identity theft. In accordance with my rights under 15 USC 1681c-2 ( a ) and 605 ( b ), I am requesting that you block and permanently delete any fraudulent accounts, inquiries, or information associated with the identity theft from my credit report.

I am also attaching proof that I was a victim of the Equifax data breach, and I kindly request that this information be considered as part of my claim.

I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 and 605 ( b ), when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within XXXX business days. 




To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX Account # XXXX Please find enclosed the following documents to support my claim :. 
I request that you confirm receipt of this letter and provide me with a written statement once the accounts and information have been blocked and deleted, as required by law. Please ensure that I receive an updated copy of my credit report reflecting these changes. 

Thank you for your prompt attention to this matter. I trust that you will act quickly to resolve this issue in accordance with the Fair Credit Reporting Act ( FCRA ). 

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

XXXX XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

Agent at capital one gave us conflicting information. One said our one return payment wouldn't effect our credit report but it did since I was denied a credit increase. Previous to this payment I been on time and current for 28 months. I want to remove the derogatory remark and get a reconsideration on credit report increase. I have a prestine credit history accept this one payment. I messed up payment details by mistake. I talked to a rude agent around XXXX on XX/XX/2020 who didn't show any remorse on this and wouldn't let me authorize my husband to talk and she seemed confused on what my question was.
Product: Mortgage

Please refer to original complaint case number XXXX. 
Now, close to 60 days after the sale of my parents house and payoff of their reverse mortgage by way of overnight delivery of a cashier 's check from our attorney 's trust account, Champion Mortgage had the Sherriff 's Department of XXXX XXXX, PA serve my sister, at XXXX XXXX last night XXXX/XXXX/2015 with foreclosure papers dated XXXX/XXXX/2015.