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

XXXX  ; Experian and XXXX  not researching and properly reporting that the following accounts are in fact in dispute. XXXX partial account number XXXX. ( Please see page attached from my credit report, along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. ) This account listed above is still reporting account not disputed on my credit report. I have requested multiple times that this account be investigated and placed in dispute. This is a violation of the Fair Credit Reporting Act. Under the FCRA I have the right to dispute incomplete and inaccurate information on my credit report. The bureaus are not following through on my requests. I have contacted the bureaus to properly review and dispute these accounts however, I have not been successful. Please report that these accounts are in dispute and continue to investigate.
Product: Credit card

I satisfied this credit card collection from discover bank in XXXX of XXXX. I copied the letter proving I paid my balance in full. 
I went to apply for a mortgage preapproval and there was a negative comment added to my credit report in XXXX of XXXX according to the lender and the credit report that was pulled. This is negatively affecting my credit report. I called discover and they claim to have no idea what happened. They said they filed a dispute with the government credit agency, still waiting on information. 
They did state some error with the balance on their end in XXXX, but they said nothing negative was on my account. 
I would like any negative comments after XXXX of XXXX removed from my credit report. 
The letter attached provides proof that I have paid in full and do not have any debts to discover. Any mistake on their end should be removed from my credit report.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and I noticed that my consumer privacy rights were violated. In accordance with the Fair Credit Reporting Act the list of accounts below had violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 section 602a. 

XXXX  XXXX XXXX 15 U.S.C 1681 section 604 A section 2 it also states : a consumer reporting agency can not furnish an account without my writing instructions. Under 15 USC 1666b as it states : 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. Please be advised that I did not give consent for any agency to report on my consumer report.
Product: Credit card

I used my Apple Card to purchase a XXXX XXXX at the Apple Store. I went back to the store to return it for a different color and when I tried to make the new purchase GS flagged my account for fraud. Standing there in the store I called them and they said after about 30 minutes that they lifted the fraud flag and to go ahead and make my purchase. As soon as I did this my account got flagged AGAIN and now its restricted and they refuse despite my repeated attempts to get a date when I can use my account again. I need this computer for my livelihood and this was THEIR error in every way, which they admitted to repeatedly. I made no mistakes on my end but they refuse to fix their mistake that could cost me MY JOB.
Product: Credit card or prepaid card

There was an {$800.00} cash advance taken out of my credit card that I did not do. I reported it as fraud and my credit card company denied my claim. I tried to appeal and was denied again. I am still waiting to be given any information as far as where the atm was that the transaction took place, what time of day, was there a camera available. My statement says the transaction took place in Tennessee and I live in Minnesota. In my opinion if i can prove I was at work then it was clearly fraud. I have XXXX of dollars in my savings account and there is no reason I would need to cash advance off of a credit card. 

Case # XXXX
Product: Debt collection

I do not have a contract with MDS. I am not liable for the collection of this debt nor am I responsible. I have never done business with this company. In fact, I have never heard of this company until receiving a copy of my credit report. MDS has failed to provide me with legal supporting documents. I requested the signed contract between me and this company and they neglected to provide it. Instead they sent me " ER  Admission papers ''. I requested an original itemized bill and they neglected to provide it. Instead they sent me a statement with a balance for " ER services ''. I requested a HIPAA release form signed by me allowing MDS to access my medical files they have neglected to provide that form all together. Not only are my HIPAA rights being violated by this company but so are my consumer rights. I attempted to disput this invalid debt via the bbb but to no avail. They continue to ignore my requests. It is my contention that MDS KNOWS they can not tie me to this account otherwise they would have done so when I made my initial request. MDS is BLANTLY disregarding the law.
Product: Mortgage

Bank of America did not produce a title in a timely fashion resulting in a higher rate of interest on a mortgage loan refinancing. 
We purchased property from the Veterans Administration in XX/XX/XXXX under a land contract. The land contract at the date of purchase was serviced by XXXX XXXX XXXX with an interest rate of 6 %. Years later, the servicing of this loan was transferred to Bank of America. 
We applied for refinancing of this loan with XXXX XXXX XXXX XXXX in XX/XX/XXXX.  We completed and submitted all required documents within the following two months and our request was approved with an interest rate of 4 %. The closing date was set for some time in XXXX. 
The closing did not take place in XXXX. We were then told by XXXX  XXXX XXXX XXXX that we were waiting for a title to be generated by Bank of America and this would take approximately 2-4 weeks. 
After four weeks the Veterans Administration was contacted to ask why we could not get a title for closing and if there was anything the Veterans Administration could do. We were told by the Veterans Administration that Bank of America was responsible for producing a title. 
HUD was also contacted regarding the inability to get a title. HUD recommended that we contact XXXX XXXX of XXXX Michigan. The XXXX XXXX of XXXX Michigan indicated they would investigate the issue. They were no help, citing the XXXX water crisis was taking much of their time. Bank of America never produced a title. 
There was constant communication with XXXX  XXXX XXXX XXXX as they continued their effort to get a title. In XX/XX/XXXX, Bank of America transferred the servicing of the loan to XXXX XXXX. XXXX indicated that they would produce the title. 
XXXX XXXX XXXX XXXX then indicated that the process had to start over. We again completed documents and was told it was approved with an interest rate of 4.6 %. Shortly thereafter XXXX XXXX XXXX XXXX indicated that if a {$1500.00} tax bill were paid we could get the loan for 4.3 %. Money was borrowed to pay the bill. The closing took place with an interest rate of 4.3 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the collection agency and they were unable to validate the debt, they have no written signature from me or any other agreement. I also contacted XXXX XXXX XXXX in XXXX and they did not remove the inaccurate information on my report. They were well past the validation date and they are not able to provide me with any validation via documentation. XXXX XXXX XXXX was supposed to removed the debt according to XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a certified mail letter to the three bureaus regarding Inaccurate accounts being reported to my credit report. It has now been over 60 days that I have not received a response, I feel as though my request has been ignored. In this time of a pandemic my credit report is crucial to me regarding that I must use it to feed and shelter my family who are unable to work and provide for themselves in this unfortunate time that Covid-19 has caused. Section 611 ( a ). States that a failure to investigate these items within 30 days gives a reason to immediately remove these items from my credit report. It has been over 60 days so these items should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress this has caused not only me but my family as well in this time of uncertainty. My information has also been impacted by the Equifax data breach which could also been in relevance to these erroneous accounts reporting inaccurate items on my report.
Product: Credit card or prepaid card

XXXX needs family. I had an uncharacteristic 30-day late payment in XX/XX/XXXX on credit card. This was after a 2+ month battle with severe XXXX, and an XXXX child who became intensely violent in XX/XX/XXXX, leading to documented XX/XX/XXXX partial hospitalization at XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and months of both state funded XXXX XXXXn and private XXXX XXXX during the pandemic in summer XXXX. XXXX XXXX so deeply affected our health, finances and well-being that we missed one payment to a card I forgot I owned. Upon catching up in life when our son and my health were stable, I realized the mistake and immediately paid and closed the card, as it was based on XXXX XXXXXXXX, and we had moved outside of the airlines flying radius. I also missed filing unemployment due to mail piled up on our home. It was a terrible unimaginable time for our family, and BOa does not appear to be compassionate, even though the CARES Act was enacted to help people exactly like us. I Wrote letters to Bank of America in early XXXX. BOA replied that I should have told them in advance that I needed help. I did not know I needed the help, and literally kissed one payment. My credit is paramount to my business, and this one blip from height of pandemic has caused me significant financial hardship, as my credit score has dropped almost XXXX points due to this reporting by BOA. I have doctors letters documenting my XXXX and requiring time off work. I have documents relative to my sons hospitalization in XX/XX/XXXX. This was the worst 6 month period in my life, and I hate that I have to relive that by filing this, but I think the CARES Act was created to help someone like me who is now impacted long term because of a report made by a credit company in XX/XX/XXXX.
Product: Debt collection

We are informing Bank of America, N.A. that attached letter Notice of Fraud and Intent to Litigate along with eight attachments has been sent via certified mail to their employees : XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX. We also sent the same documentation to their attorney XXXX XXXX. XXXX, XXXX. via certified mail as well.
Product: Payday loan, title loan, or personal loan

I applied for an installment loan with XXXX XXXX, ( XXXX XXXX  ) and was approved. See attached notice. After receiving the official approval, they pulled a hard inquiry on my credit report. I instantly received a denial notice, after receiving the official approval. The loan denial was based on having another hard inquiry being pulled on my credit report after applying for their loan. A soft pull on my credit report was submitted by Upstart Lending ( XXXX ) on the date I applied. I had assumed the loan was going to be denied as it had been several days since applying. I did attempt to search for another loan. If trying to find a better loan opportunity causes someone to lose out on qualifying for a loan, its unfair for the consumer/customer. No counter offer was provided nor an explanation of how to move forward. How can a hard inquiry on a credit report cause someone to have their loan approval reversed. When someone is searching for a loan, it shouldn't count against them for searching for the best opportunity. I should have been provided an opportunity to explain why an additional hard inquiry was pulled. Surely a reputable lender should have known this??? In contacting the lender I was place on hold for over 1 hour and 30 minutes. As it turns out, it is their practice to deny loans if a current applicant attempts to get credit from a different lender after applying with Upstart.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX-I attempted to place a credit freeze on my XXXX account, however they have a list of questions they ask and I did not get them all correct, the system denied me access. Some how I received a letter from them to start a security freeze or lift one. This form asks me for my PIN however I don't remember getting to this part of the process due to answering the question incorrectly which they ask such obscure questions I have no idea what they are talking about. I have had hundreds upon hundreds of creditors and do not have documentation or memory of every single account. It took extensive searching to find a contact number to speak to a representative. The representative asked me 3 security questions again which I know I got 100 % right but was denied help on my account. So I was able to get the correct mailing address and mailed my request to them so hopefully that will work??? How can these companies provide no customer service and not have their facts about me correct? their is no accountability for them, this is rediculous. 

Equifax-The online system lets me complete the input for the request but when I click submit the system says it is timed out, this is crazy as I will have it completed very quickly. You can not get any customer service help at all. This system is as messed up if not more than XXXX. I am going to have write a letter and request help here also. I can't believe the level of XXXX these credit bureaus are allowed to get away with. 

XXXX- The online system lets me complete the input for the request and I get an email confirmation that my credit is unfroze but this is not true because I have had XXXX try to pull credit and it is always locked. You can not get any customer service help at all. I am going to have write a letter and request help here also/again. How can these companies be so horrible at their jobs and how come no one does anything about it?
Product: Credit card or prepaid card

Do not recall late payments dates. Please provide records of dates of late payments including your bank records showing late payments. Please supply information for all credit report to whom creditors reported information.
Product: Credit reporting or other personal consumer reports

XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX. Inquire done for credit card, I already have a XXXX XXXX XXXX account. This application on this date ( XX/XX/ ) was not done by me.
Product: Consumer Loan

On XXXX XXXX, I received a letter from Lendmark Financial stating that they had recently bought out XXXX who I originally took my loan out with. The letter stated that effective XXXX XXXX, my direct pay would be cancelled. All subsequent payments could be made online or by setting up direct pay with Lendmark. On XXXX XXXX, I spoke with the branch manager, who took my payment over the phone. She stated that she would send me forms to complete the XXXX XXXX enrollment process. I received the forms but have not signed and returned them to the branch. On XXXX XXXX, my account was debited for the monthly payment of {$240.00}. Given that Lendmark 's letter and website state that my direct pay was cancelled beginning XXXX XXXX, I was not expecting to have my bank account debited and was actually going to mail in my payment from another bank account that I wanted to use. On XXXX XXXX, I received a letter from Lendmark confirming my authorization for an electronic debit that was done on XXXX XXXX at XXXX which subsequently posted to my bank account in XXXX XXXX. I did not authorize that payment. I also called the XXXX branch and spoke to a rep who told me that because I previously had XXXX XXXX set up with XXXX, that they have a right to debit my account. I explained to her what the letter from Lendmark stated and what is listed on the website regarding the direct pay cancellation. She advised me that regardless of what the letter or website states my bank account can be debited. I again advised the rep that they do not have my signature authorizing the new direct pay enrollment. This unauthorized debit, cost me {$70.00} in overdraft fees. I have since mailed a letter to the XXXX, VA branch and the corporate headquarters revoking their right to debit my bank account.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT XXXX : XXXX to support my identity theft claim. Under 15 U.S.C. 1681c-2 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 XXXX XX/XX/XXXX / XXXX XXXX XXXX XX/XX/XXXX 2024
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT NOTICE I HAVE FRADUALTY ACTIVITY
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, I was having trouble getting refinancing on our current home mortgage with XXXX XXXX. I spoke with several lenders and they said our payments were showing late for many months. I pulled our free credit report and sure enough they are showing I was late for so many months. I pay our mortgage 2x a month breaking out the payments based on our pay periods. I have been doing this for a couple years now as jobs have changed. In XXXX we filed for a hardship program and we were awarded this program. They told us that we wouldn't be reported to the credit bureaus if we complied with all guidelines. Which we did. It is still showing on our credit report that we are 120 days late which isn't true due to the program we followed, this raised our interest rate and pushed the loan out 3 months longer. 

XX/XX/XXXX when Covid hit NC I was furloughed and had to go on unemployment. Took a few weeks to get that up and running, in the meantime my husband was working so it took a little longer to pay the mortgage so yes we were a little late on that one.

We didn't file a Covid 19 hardship issue as that wasn't the case for us we were able to stay on track. The mortgage is always paid with in the month and if after the XXXX the late fees are paid as well and we were putting an extra XXXX down on principal. 

On XXXX XXXX I sent them a letter after I spoke with them and they told me either to write or fax why we need this corrected on our credit report. 2 weeks later we get a response saying they report according to the fair credit reporting act. ( Thats XXXX ) I looked at all 3 agencies, and XXXX doesn't even show anything but 2 mos of XXXX, XXXX shows many late payments past 30 days, Equifax has missing months. They don't report correctly at all and not fair. I pulled my bank info as I send the payments the day of payday they are wired to them via the bank and there isn't a missing payment in each month. When I pulled their payment statements, it doesn't match mine and all I see is applied to ie : XX/XX/XXXX? I want this corrected. We are in the process of selling our house and need to purchase a new one. This company are crooks, I didn't ask for them they took over our original mortgage when we purchased this in XXXX. They don't respond when you call, all you get is send letters.. They don't communicate and they are rude..
Product: Mortgage

I 've had a mortgage with Roundpoint based in XXXX, NC since XXXX of 2014. I have a fixed rate mortgage. They have several times attempted to raise my rates, increase my monthly payment, and then charge a late fee. That issue was finally resolved after several months. Then I make payments through their online system which they will not accept. When I call the company, I am transferred and kept on hold for hours, unable to speak with someone about making a payment for the correct amount. I have been given directly conflicting information about the payment schedule by the representatives. Everytime I am able to speak with someone, I am told to sign up for automatic billing which I do not want to do, as they have often charged me incorrect amounts. Every month its a problem. Finally, this month, I mail all of my household bills off on the same day. Every check has cleared except ( guess who ) Round Point. They called me to tell me they will be adding additional fees to my account for a late payment. Then they said they may have already received it but the " system has n't updated ", in which case, I am still being charged and having a negative report on my credit. I called back to speak with someone after verifying with my bank, and I was put on hold then " disconnected ''. Which seems to happen at such oppurtune times. I think they are routinely and deliberately finding ways to overcharge customers. Every month. I could understand maybe XXXX or XXXX mistakes within this period of time, however, this must be deliberate. I would greatly appreciate any help that could be provided. Thank you.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX Somebody use my information on credit buy stuff Best buy city bank XXXX XXXX I tried to dispute but they refused... 
It drawning my credit score
Product: Checking or savings account

I incurred many overdraft fees from debit and credit overdrafts when at the end of the day its my account and I have direct deposit set up so I shouldve never gotten any fees being that I end up paying whatever I owe back. If the money isnt there, why charge me more for something I already dont have. The systems dont accurately show the true balance all the time
Product: Credit reporting or other personal consumer reports

In accordance with 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. 

XXXXXXXX XXXX XXXX XXXX has violated my rights. 

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

15 U.S.C 1681 Section XXXX A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions. 

15 U.S.C 1681c. ( a ) ( XXXX ) 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 XXXX years. 

15 U.S.C. 1681s-2 ( A ) ( XXXX ) 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a mortgage with my XXXX XXXX XXXX XXXX on XX/XX/23. Afterwards I was getting blown up with emails, texts, phone calls, paper mail. It's been over 2 months and it is still going on. During underwriting, I was provided a copy of my 3 bureau credit report and asked to explain the inquiries. There are approximately 15 fraudulent inquiries on my XXXX, Equifax and XXXX reports. Obviously my information was obtained and sold.