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

Company has placed incorrect info on XXXX Credit Report for XXXX XXXX as late. Late appears on XXXX   credit report twice as late for XXXX for same date i.e. XXXX XXXX. Filed Dispute with company and with XXXX  XXXX XXXX. Visited company Twice on Sunday XX/XX/XXXX and again on Monday XX/XX/XXXX.Spoke with Representative and agency indicated my account is not pass due for the month of XX/XX/XXXX. After several visits and phone conversations no positive results or correction or corrective action taken to Account. Filed a dispute with company XX/XX/XXXX and was told investigation into matter will be taken and I will receive phone call with results, but no call or results for more than 20-days.I was told I would be contacted at a later date and billing statement would be sent out within 30 to 45 day 's. Billing statement was sent out but mail was returned for bad address reported by company on XX/XX/XXXX. Late charge on report indicates after a attempt was made by mail for billing. Address is valid and has not changed. Called company for follow upon billing and company indicated some information for billing is or was wrong and placed by company. All attempts on my part as consumer has been exhausted and no other options but to file consumer complaint. Information for billing is still incorrect in system and I have made every attempt to correct this with company.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act, the creditor has violated my rights under 15 USC 1681 section 602 states " I have the right to privacy '' and 15 USC section 604A section 2 also states " A consumer reporting agency can not furnish an account without my written instructions. '' Under 15 USC 1666B, a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Product: Debt collection

On or about XX/XX/2016, shortly after XXXX XXXX XXXX merged with XXXX, I was provided the opportunity by XXXX XXXX XXXX to combine the billing of our XXXX Account with our XXXX XXXX XXXX XXXX Internet and XXXX Account at a reduced cost for our XXXX service. Since our XXXX XXXX XXXX XXXX account was in my name and our XXXX account was in my wife 's name, the XXXX XXXX XXXX representative said she would need to change our XXXX account from my wife 's name to my name in order to combine the billing of the XXXX account with the XXXX account. Instead of using my new XXXX account to combine the billing, the XXXX XXXX XXXX representative mistakenly used my wife 's account to combine the billing. This caused the XXXX payments to continue to go to my wife 's account and the new account, which was set up in my name received no payments. As a result, the account set up in my name became delinquent and XXXX sent my account to a collections agency. The attached documents show the efforts I have made to try to correct this problem with no success.
Product: Credit reporting, credit repair services, or other personal consumer reports

in XXXX in collaboration with the Social Security Administration and XXXX XXXX, SSA issued me a new social security number based on very bad case of identity theft. the SSA requested a lot of documents to proof the ID theft, XXXX XXXX worked together with me to ensure all information was accurate and to the point. In XX/XX/XXXX, I was issued a new social security number, I was advice to stop using the old number ending in XXXX and to start using my new number ending in XXXX. In XXXX or XXXX without any reason and any contact with me, Transunion locked my report, where no one can access my report, indulging me. After realizing my Transunion Report was not showing, I called transunion and I was transferred to the Fraud Special Handling Department, that department has been nothing but horrible, nasty and XXXX. They have asked me literally for every single document that makes me a person. I send them a copy of my WA State ID, my SS Card, my passport, They requested different forms from SSA and I had to go to SSA Office many times to get documents. Transunion have received all this documents and they don't communicate with me, I have to be the one calling just to find out they denied my request to release my report. Transunion has continue to keep my information locked up. Recently I moved to a different apartment and because of this issue I had to pay over {$5000.00} of moving cost because my transunion report was not showing and I'm being seen as liability by creditors. Yesterday XX/XX/XXXX I spoke with Fraud Special Handling department manager XXXX XXXX, in the moment I told her that I was immigrant as I was explaining to her why I was issue a new social security number. XXXX XXXX started to be XXXX and started to speak over me with out giving me the opportunity to finish explaining to her. XXXX XXXX as a manager she has discriminated against me and is literally holding my information hostage, to the point that I'm in financial hardship because I'm not able to get the credit I deserve. I NEED MY REPORT TO BE RELEASE IMMEDIATELY
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been requesting methods of verification on certain items on my report from transunion, XXXX and XXXX credit bureaus and have filed several disputes and they keep coming back as verified. I did some investigating and found out they are using third parties to obtain information that may or may not be true. I have a total of seven items in question that need to be removed from my credit reports ASAP. The items are as follows 1. XXXX XXXX, I am unaware of this account. 2. The XXXX XXXX XXXX, I am unaware of this account. 3. XXXX XXXX XXXX, the information being reported is wrong because the dates and amounts don't match. 4. XXXX XXXX information is reported wrong because the dates are wrong and it was not a repossession the item was sold. 5. XXXX  unaware of account. 6. XXXX XXXX XXXX I do not owe this debt, they are reporting as a charge off and still reporting an amount owed. They have been paid in full! 7. Chapter XXXX bankruptcy, requested them to tell the method of verification they used to verify this item, they stated the courts but I have proof from the court they don't give information to credit bureaus. I have been dealing with these issues for several years now and nothing is being done to correct anything. I have disputed by mail and phone. I know my rights with the fair credit reporting act and if they don't remove these items I'm prepared to file a lawsuit against them within a 15 business day time frame.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is a follow-up to my previous complaint that contains this erroneous account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I wan the account to be removed to my file immediately, it is fraudulent and misleading
Product: Credit reporting, credit repair services, or other personal consumer reports

i want to a complaint on the one of your reps representatives that I spoke with today XX/XX/2020. I spoke with XXXX in your fraud department, and a few others in customer service These representatives speak from an entitled perspective and aren't there to correct unverified, erroneous and inaccurate name, addresses, inquiries and previously disputed accounts. Furthermore the accounts that are being reported inaccurately you guys have so called verified inaccurate, erroneous and unlawful information going against the Fair Debt Collection Practices Act as well as USC Section 1602, 1605 and 1692. Due to your company not investigating my disputes from XX/XX/2020 till current you have verified the inaccurate accounts referring to XXXX XXXX XXXX  act XXXX, XXXX XXXX XXXX act XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, The following accounts that I have added above have been removed from one of the major bureaus XXXX  and XXXX. proof provided below, Due to XXXX  and XXXX not being able to verify these accounts under the 609 Credit reporting Act they followed the laws that are governed to protect our consumer rights. Due to these two major bureaus complying with the laws that protect me why isn't your company following these laws and complying as well. Also how are you guys verifying these inaccurate and unverified accounts? These laws state that you have to prove how you are verifying this information and due to you not having this information you are going against these laws which has caused me personally major distress The following inquires XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX, have also been proved to be inaccurate and unauthorized by XXXX  and XXXX. The following public record being reported on my file is against the Fair Credit debt collection Practices Act act and the Fair credit reporting Act. You are reporting this public record as if you are the original furnisher, only the original furnisher can report accounts or information with written consent and compliance with the USC 1602 and 1692. This public record has been proved to be reported inaccurately by XXXX  proof provided below as well. This abusive act has been an invasion of my individual privacy. If you do not respond or comply with these laws I fully intend to pursue all litigations possible in regards to this matter.
Product: Mortgage

Roundpoint Mortgage company bought my loan as of XXXX XXXX, XXXX. Previous loan held by XXXX. I use autopay and have for the life of the loan. Both XXXX and RoundPoint sent letters saying the payment terms are exactly the same and autopay would remain in effect with no action from me. My loan payment of XXXX was deducted by Roundpoint as expected on XXXX XXXX which has been the payment date for the life of the loan. I have written verification from bank. Roundpoint is also a debt collector -- under the same company. The debt collection arm of Roundpoint sent a threatening letter XXXX XXXX ( prior to the loan payment due date ) saying my loan is in Collection and threatening me. I HAVE NEVER MISSED A PAYMENT IN MY LIFE and have paid mortgages since the mid XXXX 's. They say that I must pay the full amount of {$340000.00} by XX/XX/XXXX. This is erroneous. They took my payment as usual, and their website confirms my loan payment was made and updated the amount owed to {$340000.00}. One arm of RoundPoint confirms payment while another subsidiary threatens me with a letter saying my loan is in Collection. I tried calling them at the number listed and there is no way to reach a human being -- it's entirely automated. There are hundreds of complaints online with the same issue. RoundPoint seems eager to make money off Debt Collection and threatens and harasses reliable loan clients.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached XXXX FTC report with accounts and inquiries I did not authorize and they are affecting my life please delete them
Product: Money transfer, virtual currency, or money service

A am writing to formally express my concerns regarding Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible snd that tracking these transactions was unfeasible. The CFPBs finding indicate that Zelle has not only neglected to to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my FOURTH WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under 15 USC 1681n and 15 USC 1681o regarding your continued willful and negligent noncompliance. 

Despite three previous written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. 

In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me with a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under 15 USC 1681g ( a ) ( 1 ) & 15 USC 1681i ( a ) ( 1 ) ( A ). 

Furthermore, you have failed to provide the method of verification as required under 15 USC1681i ( a ) ( 7 ). Please be advised that under 15 USC1681i ( 5 ) ( A ) of the FCRA you are required to promptly REPAIR all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me 15 USC 1681n & 15 USC 1681o ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 

XXXX XXXX XXXX Date Opened : XXXX XXXX, XXXX Balance : {$0.00}XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$370.00}, XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}, and XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.
Product: Checking or savings account

On XX/XX/2019 I checked my checking account with Chase bank and there is still a {$61.00} overdraft fee or bank error fees on my account that hasn't been credited back to my account. 
I have a XXXX Checking account with no maintenance fees or any other fees. 
I am XXXX XXXX and XXXX.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

JP Morgan Chase Bank offers ( Basic Checking ) accounts. Monthly fees are {$12.00} per month. Incoming Wire Transfer fees for certain accounts are {$15.00} per wire. ATM fees {$3.00} per transaction. 
Monthly fees are compounded by Chase Bank account can be {$12.00} -- up to {$100.00} per month. Depending on how many wires, ATM transactions ( non-Chase ) ATMs. JPMorgan Chase Bank account will overdraft account given fees collected. Incoming wire transfer fees are an unfair practice to the basic checking account holder. The wire transfer sender has paid a wire fee on their end to the payor bank. Consumers are being subjected to remit fees immediately and may cause overdraft or returned checks, declined debit/credit purchases.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting incorrectly that I am 60 days past due on XXXX - partial account number XXXX. This account reflects a {$0.00} balance and {$0.00} past due. I have contacted the two bureaus to have this corrected. This inaccurate reporting is harming my credit score.
Product: Credit card or prepaid card

My credit card with Citi has a 0 % APR rate sale so all new Purchases for the past few months should be eligible for 0 % APR and {$0.00} interest. I also have a Citi XXXX XXXX on account which is at 0 % APR and {$0.00} fees. I however was assessed XXXX cents min interest charge this month even though I paid my min pay due on time via Auto pay. the min interest charge is disclosed as a fee per Card Act but is essentially a flat interest the Bank can charge when the amount of calculated interest is less than XXXX cents.
Product: Credit card or prepaid card

I received a credit card in the mail from Citi XXXX XXXX XXXX within the last two months ( approximately ). Honestly, since I get so much junk mail, I didn't really pay attention to it as I thought it was another card application. I disregarded the card and never used it or activated it. My wife set it aside. 

I received a letter dated XX/XX/2021, saying they noticed some suspicious activity on my account. I did not see that letter until today, XX/XX/XXXX. After reading the letter, I checked my XXXX XXXX app and saw that I now had a balance of {$110.00} on a card that I never applied for. 

Later in the day on XX/XX/XXXX, I called Citi ( XXXX ) and told them I never applied for the card. The representative immediately told me to reach out to you guys. It should be noted, when I called and entered the card number into the automated machine, I used the card number from the original card and was told to use my new card number, which I did not have. 

I suspect someone fraudulently used my information to apply for and use a credit card. I noticed on the letter sent to me from Citi that it listed an apartment number despite not living in an apartment. 

Thanks for any help.
Product: Credit reporting or other personal consumer reports

It was a unauthorized hard pull on my credit profiles from all XXXX credit bureau on XX/XX/2023 for XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and DELETED : XXXX XXXX XXXX XXXX
Product: Other financial service

Springleaf Finance have XXXX hard inquiries on my credit report viaXXXX XXXX who matches you with a creditor. They were not suppose to put hard inquiries on my file. XXXX preapproves you before you get to next step. I applied to this company XXXX time in XX/XX/2014. Now I have XXXX hard inquiry. False advertising. I tried talking with them about the problem, but theyRefused my rights as a consumer and would not listen to what I said. Please notify these companies as it has impacted my credit score.
Product: Money transfer, virtual currency, or money service

Ive been in business for 3 years now and have used cashapp for over 5 yrs. I woke up the next morning to find my account disabled for violating there terms. Now I personally dont know exactly what the reason was for this as they cant even provide me one. They say it will take 60 days but Im already losing customers that rely on cashapp payment s and is ruining my reputation. Ive had to cancel out 4 major clients this week because they wouldnt do business as they didnt see why I couldnt accept Cashapp. Again they provided no valid reason and Ive talked with the support and they have no response or any knowledge of what term was broken. They say it will take 60 days to review but Personally me thats like throwing someone in jail without probable cause and the letting them know 60 days after release what theyve done wrong. I dont scam or fraud anyone so this very bad business practice as I use cashapp for most of payments and is linked to all my websites. Its been 15 days and its the same response. I have to make a living and rent is coming and Ive lost {$3300.00} worth of clientele work. XXXX
Product: Mortgage

On XX/XX/year>2024 I sent Select Portfolio Servicing a QWR request per respa which I have attached. SPS was my servicer before they transferred the servicing rights. They haven't answered my request for information. They received the QWR on XX/XX/scrub> 2024. I need the information requested and have attached the letter I sent.
Product: Debt collection

Company attempted to contact me multiple times while I was unable to answer while being at my workplace they resorted to calling distant family members that have no association with me.
Product: Checking or savings account

XXXX was bought out by Captal One Bank They are saying they have no records of these CD 's and assumed we cashed them out or do n't remember bc of my age or not remembering my own name. 1st CD deposit # XXXX principal amount {$1100.00} issue date XX/XX/XXXX apr 5.88 % maturity date XX/XX/XXXX term 18 months and then renews itself 2nd CD XXXX {$1000.00} issue date XX/XX/XXXX maturityXX/XX/XXXX term 36 months 5.6 % interest rate frequency rate monthly 3rd CD XXXX {$5400.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 18 months 4.75 % interest rate frequency monthly 4th CD XXXX {$3000.00} issued XX/XX/XXXX maturity XX/XX/XXXX term 36 months 5.45 % interest rate frequency monthly FDIC has no record of any of them even being recorded pathetic that they should at least owe me what I invested but they do n't even show I made the transaction in the first place but I have all the documents!!! Do I need to get a lawyer for something I should n't have to?
Product: Mortgage

I am filing a complaint yet again against the Mortgage ervicing company Select Portfolio. 
I just received a call from them that my mortgage was being referred to a lawyer for foreclosure proceedings. This after I requested and did no receive the following information. A breakdown of all fees on my mortgage being number one. The info they sent me about this was completely wrong and had nothing to do with the accumulated fees. 
I had also requested that an original copy of the legal promisory note be sent to the lawyer they use to preform the foreclosure process, so that I may exam it and make sure they actually have the right to foreclose on me and to be sure that the original note is not out there somewhere else in someone elses hands and can come back to haunt me later. I demand to see the original and I have a right to see the original. 
I have absolutely no faith in this company working with me in an honest fasion and I would hope that they would be investigated for their practices. They tell you one thing then do another.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XX/XX/2019 - This inquiry does not belong to me