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

My wife lost her wakket on XX/XX/2022. On XX/XX/2022, I received a fraud alert from XXXX  XXXX XXXX for unautherized transaction. Someone tried to use my wife card. I cancelled my credit card. I totally forget my wife 's TD bank debit card also in the lost wallet. TD bank allowed my checking account to be fraud charged until balance is- {$46.00}. when I called to disput all my fraud transacions, TD bank deny my dispute claim. How and why TD bank is allowing someone charge my checking account without pin number. Also, my wife and I never use the account to shop.
Product: Credit reporting or other personal consumer reports

I am writing to express my concern regarding unauthorized inquiries listed on my recent credit report. After reviewing the report, I have identified the following unauthorized inquiries. These unauthorized inquiries have adversely impacted my credit standing, making it difficult for me to apply for new credit. In light of this, I demand that you remove the listed inquiries immediately. 
XXXX XX/XX/XXXX XXXX FIN XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

As a consumer, I actually have protection under the law that is delivered to me to secure me from misinformation simply being noted on my credit report. At this time I would like to prepare another appeal for investigation before I confer with my own counsel to obtain advice on how to handle a fraudulent, incorrect, and unverifiable account that is keeping to be established as correct. Be sure to generate a duplicate of the agreement signed or voice interaction where I permitted charging me regarding this account. 

XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I have sent this collector a bunch of letters certified mail and they have never responded or provided any proof of the alleged debts they are reporting on my credit reports. I do not agree with the debts owed and i have asked them for an itemized bill so i could determine if the debt they claim is truly mine or not. Initially they were sending me collection letters stating that they were in Pre-legal review and that they were going to turn the case over to a lawyer to sue me. That was XX/XX/XXXX and they still have not sued me or provided even basic documentation to prove what they claim. They have violated 15 USC 1692 FDCPA and 1681 s2 FCRA. A data furnisher is required to respond to a dispute with in 30 days of receiving a dispute. I have sent 3 certified mail letters and they have only responded with their standard computer generated letters stating that they received my dispute and will no longer contact me but they have never once provided even 1 account statement showing what was purchased or even showing i ever owed a bill. I am still disputing this debt and this is my last effort to get it resolved before filing a lawsuit in Federal court in the XXXX District Court of Pennsylvania
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct from erroneous reporting in my file are listed on my credit report : 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 XXXXXX/XX/XXXX
Product: Student loan

I was asked to leave campus because of a XXXX  outbreak in my XXXX. During the height of the outbreak when laws were made surrounding how many XXXX  to a XXXX. Lincoln Tech went against the laws and packed the XXXX  to capacity. My XXXX  received a XXXX XXXX  result and the school advised everyone in the XXXX  go home. The course is hands on so we were unable to take online classes. As a result I was advised to start the course over. The school placed the room and board portion of my XXXX  loan on my credit as a charge off without any notice. I was not offered a deferment or forbearance. I will reached out for help from the XXXX  XXXX XXXX XXXX and was advised they could not help as the school claims that the loan is from a third party but placed it on my credit as Lincoln tech. The school stated in the attached letter that I can return when I clear up my debt with the school and on the same document they say the debt is with a third party and not the school.
Product: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX is withholding my transcripts, both official and unofficial transcripts, due to unpaid balance caused by returned loans/grant money when i was fleeing the state
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/2017 I applied for XXXX XXXX credit card and I had hard inquiry on XXXX  which fine and normal then I found another hard inquiry for same company on XX/XX/2017 I did apply for the credit onetime and I got approved on XX/XX/2017 for credit line XXXX . I never apply again to get another hard inquiry for same credit card in few week after XX/XX/2017. its from XXXX XXXX for XXXX XXXX XXXX XXXX. thanks
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting ACT whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts [ Name of Accounts & Account numbers ]. are not complete and accurate. [ XXXX XXXX XXXX XXXX ] open date is not reporting correctly to this account is not accurate. [ XXXX XXXX XXXXXXXX ] open date is not reporting correctly to this account is not accurate. [ XXXX XXXXXXXX XXXX XXXX XXXXXXXX ] open date is not reporting correctly to this account is not accurate. XXXX XXXX XXXX XXXX open date is not reporting correctly to this account is not accurate
Product: Debt collection

Springs Oaks Capital LLC has put a debt on my credit file that I do not owe and has fail to respond with law documents A letter has been wrote to the bureau about this matter. I'm making a complaint so I will have other proof of this matter
Product: Credit card

I made a payment on my card from an account that had been closed ( by accident ) once I was notified I made the payment in full from my other active account, I provided proof of the closure of the account to Capital One and a statement from the current account that the payment was made in full from. Card is still on hold, I have called in 2x they said 7 to 10 business days it has been well over and my card is still on hold. 
I provided proof of both accounts being owned by me, I also pay my bill in full monthly. 

I can not understand how this is not being remedied in a timely manner.
Product: Mortgage

In XXXX I had contacted my current lender, Freedom Mortgage, about a refinance of my existing loan with them. They followed-up quickly and said they needed to wait for the required VA seasoning period before we could proceed. After that period had passed we reengaged and I was sent a final closing disclosure and scheduled for a closing on XX/XX/2021 at my home at XXXX. I was contacted at XXXX by the law firm and told the closing had to be cancelled because Freedom Mortgage failed to get them the required documents. I contacted Freedom Mortgage that day and learned that they were unable to determine a projected property tax for escrow. I notified them that this was originally part of a trust and that the bill wouldn't be generated until XXXX or XX/XX/XXXX. They stated they would contact XXXX County, SC to get an estimate to use for the tax certificate. Once I had been assured that had happened on XX/XX/2021 I scheduled for a closing on XX/XX/2021 at XXXX at my home. I was contacted at by the law firm at XXXX and told the closing had to be cancelled and to contact Freedom Mortgage for further details. I contacted Freedom Mortgage and was told that they had the same issue about the tax certificate. I had been assured it was cleared up, but surely enough it wasn't. When I spoke to a representative for the " exceptions department '' on the phone I was told they had two different tax amounts and couldn't proceed until they received confirmation from the tax authority. That is now twice in two months, with the closing scheduled 12 calendar days in advance that Freedom Mortgage was unable to execute a scheduled mortgage closing for an IRRRL due to their inability to gather and relate information competently. I have made inquiries to other companies as this process has proceeded causing a dip in my credit scores as well as having to cancel on my required witnesses who had cleared their schedules.
Product: Credit reporting or other personal consumer reports

Company reported my loan 30 days delinquent was it was not. Company reported that a previous loan was 30 days late so they should not have reported that my current loan is 30 days late when it is a totally different loan number
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$2500.00} XXXX XXXXXXXX Balance : {$760.00} XXXX XXXXXXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance XXXX {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXXXXXX Balance XXXX {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00} XXXX XXXX Balance : {$3200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$760.00} XXXX XXXX Balance : {$0.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$2500.00} XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is being filed against Equifax in regards the erroneous information/accounts that are repeatedly being reported on my credit report ; thus adversely affect my credit. In addition, I have disputed the following accounts XXXX XXXX XXXX for {$650.00}, XXXX XXXX XXXX for {$230.00}, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX with Equifax on four different attempts to correct their inaccuracies. However, Equifax have refused to delete the above mentioned accounts that DO NOT BELONG TO ME! In addition, I have asked them to provide me proof of the reported accounts that allegedly being reported as verified by the information furnisher to them. Ive also contacted the creditors who have also refused to provide me with verifiable proof of the original contract alleging the reported debt. Furthermore, during my 3rd letter of dispute, Equifax failed to provide me a timely respond. Not only did they not provide me a responds with 30 to 45 days, I had to write them again to inform them that they failed to respond. Still the above mentioned accounts remain inaccurate on my credit report. These accounts do not belong to me! According to Section 611 ( 5 ) ( A ) they are REQUIRED by the Fair  Credit Reporting Act to delete any account that can not be verified. Thus, Federal Case Law also states, Consider Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibilities must consist of something more than merely parroting information received from other sources. If Equifax claiming the account verified, how was it verified and by what method did they verify? Why cant they provide me with the original signed contract as Ive asked repeatedly, for they have none! Ive asked the creditors and credit bureau for the Original Contract both have refused on four occasions. This is my final attempt to resolved this issue. I have documented my efforts to resolved this manner very well to date. Please help me resolve this issue, as I demand that the above mentioned accounts be deleted immediately! Best Regards,
Product: Credit reporting or other personal consumer reports

Multiple organizations have officially been notified of the information that you have been incorrectly, fraudulently including in my consumer report even after numerous attempts of trying to resolve the situation with you. The fact that you have not responded to over 20 completely different notices that I have sent you. You have just ignored all of my pleas for your assistance in this situation. I have sent you a previous notification which detailed that I've placed you on notice but I will be sending it to you again for my records and yours. Under the very penalty of perjury I have found the information in this document and all other attachments to be to the best of my ability. It is only right for you to not only conduct your procedures in a way that is with the highest accordance of law. You have taken it upon yourself to obtain and hold a natural persons ' personal identifying information without even gaining their consent first.
Product: Student loan

I ask on XX/XX/2019 to make a later payment like at the end of the year, but I was never told if I could now they are asking for a payment that I dont have right now.
Product: Vehicle loan or lease

I purchased a new XXXX  XXXX  XXXX nineteen years ago. Recently I was involved in an accident and I need the title and a lien release for a loan that was paid in it's total almost two decades ago for insurance purposes. However, when I tried to navigate the Toyota Motor Credit Corp web site and telephone call in number it did not recognized my Social Security number and zip code. There is no other option to contact them that I can find. I need to have Toyota Motor Credit Corporation to provide a lien release and title as soon as possible. 

Vin # XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally complain about unauthorized credit inquiries that appear on my credit report. I have recently reviewed my credit report from Transunion, XXXX, and XXXX and I noticed several credit inquiries listed that I did not authorize or completed. These inquiries have negatively impacted my credit score, and I am concerned about the potential for identity theft or fraud or improper use from furnishers. 

XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX, XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XX/XX/XXXX TransUnion XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX  XX/XX/XXXX TransUnion XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion XXXX XXXX XXXX XXXXXX/XX/XXXX TransUnion I did not initiate these inquiries and I have no knowledge of the entities listed. 

I have already contacted the credit bureaus to dispute these inquiries ; however, I am filing this complaint with the CFPB to seek your assistance in ensuring these fraudulent inquiries are investigated and removed from my credit report promptly. 
I am requesting that the CFPB assist by ensuring that these inquiries are removed from my credit report and that any necessary actions are taken to prevent further unauthorized activity on my credit profile. 

Thank you for your attention to this urgent matter. I am looking forward to your prompt response and assistance.
Product: Payday loan, title loan, personal loan, or advance loan

This collection agency is reporting fraudulent inaccurate information on my credit report. Under the FCRA, I am exercising my rights to request full validation of the alleged debt but they failed to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, has violated my rights. 

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.
Product: Money transfer, virtual currency, or money service

I tried to transfer over {$1400.00} dollars from Coinbase.com to XXXX.com and my money has been pending on XXXX.com for over 6 days now. I have emailed them for customer support, opened a support ticket, and tried calling but they are not responding.
Product: Credit card or prepaid card

Its about the covid-19 relief program. When people are out of work and dont have money to pay the bill. The program they offered was to enroll in program they require you pay in my case {$430.00}. Just to enroll. Thats not help thats gouging a customer of over 20 years. I asked for a deferral and was denied cuz they are the only company not offering them.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX with a {$690.00} balance, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 2 : It also states a consumer reporting agency can not furnish an account with my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX. I am submitting on my own behalf. There is no other third party involved! I have previously submitted complaints and have gotten a response saying it was not from me. I have been reporting inaccuracies in a lot of my accounts on my report but I have not gotten any results or deletions. At this point nothing have been validated and should be deleted. As a consumer I am the only one that can validate any debt which I have not done, therefore I demand all accounts uploaded be deleted immediately! Please note that it has been more than 30days and as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ). I have been keeping careful records.
Product: Credit card

Chase bank received a payment in a coordinated effort to steal XXXX dollars from me for services rendered. I specifically verified that all funds had been posted that day. A coordination of transactions was involved in multiple accounts. This allowed a former client to defraud me of XXXX in deposited payments for my service. Then claiming 4 days later that a " return " actually an illegal " reversal '' of charges was now debiting my account. The bank was clearly complicit in my losses including XXXX in business expenses associated with the criminal accomplice clients. They do not have the legal right to mislead and deceive their clients using defined terms unraveled to suit scammers.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : DEPT OF EDUCATION/XXXX  Account XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX  XXXX Account Number:XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account XXXX Account Name : XXXX XXXX  Account XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XX/XX/2023 XXXXXXXX XXXX XXXX XXXX XXXX  XX/XX/2023 XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2023 XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

I can go on and on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Mortgage

At the beginning of XXXX, my previous mortgage servicing company XXXX XXXX, notified me that loan servicing was being transferred to Roundpoint Mortgage Servicing Corporation, effective XX/XX/XXXX. I had already sent my XX/XX/XXXX to XXXX XXXX on XX/XX/XXXX, before being notified by either company of the transfer. I began making monthly payments to Roundpoint XX/XX/XXXX, but they began calling me before mailing any statements, saying I was behind in payments since XX/XX/XXXX ( sent to XXXX XXXX ). After several calls to their customer support, they explained that my monthly payment increased by {$480.00}, due to escrow shortfall, going from {$1400.00} to {$1900.00} per month. Roundpoint also said they would request the XX/XX/XXXX from XXXX XXXX, where it was sent. To date XX/XX/XXXX, I have made 4 months ( XXXX, XXXX, XXXX, XXXX ) worth of payments, from my XXXX XXXX XXXX XXXX XXXX feature, totaling 4 x {$1900.00}, my bank lists transaction dates as follows : XX/XX/XXXX, XXXX XXXX, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1400.00} ( special payment to make up 1st 3 payments shortfall ) XX/XX/XXXX, Roundpoint, {$1400.00} XX/XX/XXXX, Roundpoint, {$1900.00} The latest Roundpoint billing statement dated XX/XX/XXXX arrived in mail today XX/XX/XXXX, stating I owe {$3600.00} due by XX/XX/XXXX, else incur late fee of {$54.00}. The statement mentions that partial payments are kept in a suspense account, rather than being applied properly. Even if I overpay on XXXX, I am highly suspect that they will apply all payments properly and promptly, and continue to charge me late fees. 

Other people have reported troubles with Roundpoint, the same as mine, which have been described in reviews here https XXXX XXXXroundpointmortgage.com Roundpoint Mortgage Servicing Corporation XXXX XXXX XXXX XXXX, NC XXXX XXXX -