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

on XXXX XXXX I contacted Equifax to request the removal of a comment listed on my XXXX XXXX credit card ( consumer dispute this account ) the rep stated she has had put in the request to remove comment. When I checked my Equifax report on XXXX XXXX my XXXX  XXXX credit card was not reporting at all when I spoke to Equifax XXXX XXXX ID # XXXX on XXXX XXXX he stated that the company/LENDER is the only one that could remove an account. after speaking to XXXX XXXX who states they did not request removal of my account and that the account is still being reported in good standing on other credit agency and still open that this is an error on Equifax side and to give them call to fix it. Equifax refuse to look into the matter of what happed to cause my open account that had been reporting for 4yr to just disappear the next day after request removal of a comment. how did this account get removed completly if not by the XXXX?
Product: Consumer Loan

My line of credit was called before term was up. Payment in full was demanded. I requested options. After 60 days I received a call offering a modification only to find the account was being reported delinquent on my credit. I never received bill or delinquency notification. When I logged into my account online it does not show delinquent either.
Product: Mortgage

Mortgage was sold/transferred to this company ( Roundpoint ) from original lender ( XXXX ) effective XX/XX/2023. Automatic payment information was transferred to Roundpoint according to letters sent by both companies. Neither the terms of the automatic payment ( Roundpoint pulls them from my checking account ) nor the terms of the mortgage agreement changed during this sale/transfer. 

Roundpoint has received all mortgage payments in keeping with mortgage terms since XX/XX/2023, and shows these payments in their system. They are all visible in Roundpoint 's online portal and on paper statements mailed by Roundpoint. My checking account also shows all of these ACH withdrawals made by Roundpoint. Nevertheless Roundpoint has done the following.

( 1 ) Mailed me past due notices for payments made.

( 2 ) Sent me statements that show a proper amount due and proper payment history on one part of the page, but show a past due amount for payments long-ago collected by them on another part of the page. 
( 3 ) Continued to report, to XXXX, XXXX, and XXXX the balance owing on my mortgage as the balance they transferred effective XX/XX/2023, even though it is now late XX/XX/2023 and multiple months of payments lowering the balance -- according to Roundpoint 's own systems and mailed account statements -- have been made and credited.

( 4 ) During dispute investigations with all 3 of those credit bureaus, misreported the incorrect balance to those credit bureaus as correct, even though it not only does not match their systems and the account statements they have sent, and even though the balance on their records is lower by literal thousands of dollars.

( 5 ) After the credit bureaus closed their investigations, and all balances had been lowered slightly, Roundpoint went back to re-reporting the original XX/XX/2023 balance as the current amount owed in XX/XX/2023. 

This is pretty clearly some sort of acquisition problem paired with no regard for factual accuracy. There is no confusion as to what my balance is and whether payments have been made. But Roundpoint can't even get a single sheet of paper ( account statement ) to consistently agree with *itself* within that single page, and has doubled down on reporting inaccurate information to the credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, my rights has violated.

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 permission.

Also, according to 15 USC 6802, no financial institution is not suppose to share my information to third party people. This is clear violations of my federally protected consumer rights. 

XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX. XXXX ) XXXX XXXX XXXX XXXX  I ( Original Creditor : XXXX XXXX ) XXXX XXXX  XXXX  XXXXXXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX XXXX. ) XXXX
Product: Credit card

Synchrony bank handles payments for TJ Maxx. My payment made online was not late. I entered it on XX/XX/XXXX and again on XXXX because they needed more info. I resubmitted and it was accepted. I was charged a late fee. I made multiple attempts to speak with someone via email, phone call, virtual chat, text. Finally was informed it was returned. It was never sent nor processed by my bank. Of course by then it was late. I mailed a check on XXXX and it cleared my bank account on XX/XX/XXXX. Im still getting late fees. I made a previous complaint and was responding by a copy of the terms & agreements, interest rates, late fees etc. I already had that info and understand it. My complaint was WHY was it not sent to my bank for processing and why was I not notified
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written twice to get these disputes off my reports but the credit bureau has not acted. I am told I can not get a mortgage with disputes on my report. I am attaching the pages showing, highlighted, the problems. I have wriiten and told them I DO NOT DISPUTE THESE!
Product: Credit reporting or other personal consumer reports

I am disputing an account listed on my credit report that I believe is fraudulent and does not belong to me. 

- **Account Number : ** XXXX - **Status : ** Negative - **Original Creditor : ** XXXX  - **Creditor Type : ** Collection services - **High Balance : ** {$5600.00} - **Open Date : ** XX/XX/XXXX - **Last Reported Date : ** XX/XX/XXXX On XX/XX/XXXX, I discovered this account on my credit report. I have no knowledge of any debt owed to XXXX and have never entered into any contract with the debt collector associated with this account. I believe this account has been incorrectly or fraudulently reported under my name.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress ( Block, Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent address fraud on their platform, leaving m account vulnerable and unprotected. 
Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

In XXXX we had a car nissan alitma reposseed, we then went into bankruptcy. This debt was included, we never received any collection calls, no letters etc. nothing fast forward to XXXX - I went to a dealership to apply for a new loan, I was denied for a repossion that they said occured in XXXX of XXXX. I was so confused, after the bankruptcy, we worked really hard with no missed payments. My mind immediatly went to fraud and stolen idenity. I asked to see the credt report. It was an old debt that Nissa updated to look like they just repossed in XXXX of XXXX. I tried to explain that this was a repossesion from 6 years ago. The statued of limitation in Texas is 6 years, it appears that they renwed it to look new on my credit report. My credit damaged and I have no car. They even messed up the paymeny periods. with 30/60/FC on in XXXX this is not true and is fraud.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit report Ive found errors, Invalid and Inaccurate accounts reporting on my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contact Experian on several occassions in regards to inquiries on my credit file that I did not authorize. I am told that I have to contact the companies directly to inquire about the inquiries. I have multiple duplicate inquiries some from the same company withing days of one another. Some of the inquires really dont make any sense, for example.. there is an inquiry from   XXXX   XXXX    XXXX  this is a company that leases equipment to businesses. I am not a business owner why would I apply for credit to get business equipment. Another one is from  XXXX   XXXX , tried calling this company and it never puts me through to a person and then the line hangs up, cant even leave a voicemail. I spoke with Experian and told them that tthis   XXXX   XXXX   is showing an inquire for  XXXX  and then again for  XXXX . I have several inquiries on my report that are withing days or not even a month apart. I did not authorize any of the inquiries I called them about and yet no one will even go down the list with me to even look at the inquires so that they can atleast see what my concerns are. I did not apply for any loans or credit cards from any of the companies listed in my inquiries. my ch  XXXX  bankruptcy  discharged  in  XXXX  2017. any inquiries listed before  XXXX  were not authorized by me. Why would I apply for  credit one day and then apply to the same company the next day? something  is not right with the inquiries on my credit file
Product: Bank account or service

Over 7 months ago or close to a year ago I closed my account in Wellsfargo. My reasoning for closing my account was because I was charged unknowingly monthly fees for my account, my account activity was note documented in a timely manner which lead to negative balances and additional charges. I felt as if Wellsfargo does not value its customers. Since I bank with other banking institutes I can determine the difference in how a customer should be treatment and the difference in the produces they offer. They fees I was charged I do not receive from other banks. So, I felt no remorse when I decided to close my account with Wellsfago. 
In the meantime since I have closed my account ; I am still receiving bank statements as if it was never closed my account. I thought the bank statements I was receiving would eventually stop coming and I never thought anything of the statements until I recently heard of the Wellsfargo account scandal. Therefore, I want to know if I am a victim of the Wellsfargo account fraud?
Product: Checking or savings account

I file complaint number XXXX on XX/XX/31 wherein I contacted BOA to report I lost my debit card, went into a branch verified my identity much to my chagrin where the rudest banker, on XXXX XXXX XXXX XXXX hostile XXXX. I couldnt make an appointment because I was locked out of the app. I had no idea what to do was told to call this number then accused of being rude for calling from the lobby sent to an empty office then reprimanded to move again they ultimately unlocked my account. However a new card was never ordered never sent the old lost card is still active Hours upon hours of trying to report my card lost suffering abuse of BOA employees
Product: Checking or savings account

There have been numerous times my account has been overdrawn or my payments have been returned due to atm fees
Product: Credit card or prepaid card

Citibank failed to verify checking account information accuracy at the time of linking to credit card payment, but charges payment returned fee and interest when auto payment failed due to error in account information. Customer service representatives giving conflicting information about reversing the fees and interest charged to the account after payment made. Predatory practice and abusing customers should be stopped at citi.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having a identity theft issue that I am not able to resolve directly with the credit reporting agencies or the companies. I have decided to file complaint for myself in hopes that the back and forth ends here. I have already open a case with the US Federal Courts to assist me with the suffering this has caused. I had to do my own research into the matter and I find that the credit reporting agencies reporting fraudulent accounts to my credit file without my permission is a consumer law violation per 15 USC 1681 ( b ). XXXX XXXX  XXXX, XXXX, and XXXX  XXXX  are accounts opened by someone who stole my identity.
Product: Money transfer, virtual currency, or money service

Regarding stolen money orders. 
from XXXX Retail Money Orders department XXXX XXXX XXXX XXXX XXXX, XXXX XXXX These were bought with cash at XXXX XXXX, stolen from the XXXX, doctored and returned to XXXX XXXX and were cashed at XXXX XXXX_ They should have a copy of the person on video. Federal Case # CA XXXX [ ref : XXXX : ref ] money orders # Money Orders XXXX & XXXX XX/XX/XXXX to XX/XX/XXXX I went back and forth about these money orders to get a replacement from Western Union. 
Western Union is passing this off to XXXX XXXX and XXXX XXXX is saying they can't do anything until Western Union closes their investigation. I have talked to XXXX from XXXX XXXX XXXX and she says they are closing case # XXXX because it is still in the hands of western union. But the following corespondence shows that Western Union has turned this over to XXXX XXXX. 

On Thursday, XX/XX/XXXX, XXXX XXXX MDT, Money Order - XXXX XXXX wrote : Dear XXXX , Please be advised that the Forgery claim for Money Orders XXXX & XXXX have been initiated on XX/XX/XXXX and both are currently pending at the XXXX  XXXX XXXX XXXX . Just a reminder that Western Union does not investigate this claim, but the bank does. Western Union acts in good faith assisting you in an attempt to collect the funds and provides this service free of charge. 
Thank you for contacting Western Union. 
Sincerely, XXXX XXXX Western Union Financial Services , Inc . 
My letters were stolen out of the mailbox on XX/XX/XXXX. I started this process with Western Union on XX/XX/XXXX when I learned that the MO never credited to my credit cards. They were brought back to XXXX XXXX store XXXX. District manager XXXX XXXX has tried to get them to move on this but says XXXX XXXX told him they have 100 days to look into this. There is no promise yet that they will pay. They have had all the info to prove I did not cash these altered money orders but still refuse to deal with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is not reporting accurate information regarding the date of last payment made, they can not show any accurate paperwork verification they own this debt, I have requested proof regarding both of these matters with verifiable proof of ownership. This company does not own the debt/vehicle through XXXX and has never gotten pink slip or bill of sale, When I bring this to their attention they ignore my ( XXXX ) certified letters and send inaccurate templates with my info in the filled in areas. 
Thanks for the assistance and warm regards,
Product: Credit card or prepaid card

On XX/XX/2020 I applied online for a Discover Card. I was immediately approved for a $ XXXX limit and received a message that my card would be mailed shortly. I received the card and called the number on the back to activate the card. The customer service rep came on the line and stated that they would not activate the account until I went to a notary public and have them verify my identity. I asked what was going on since the account had already been approved and I had received the card. The rep stated that they could not identify a phone number on my records. I explained that I had recently changed my cellphone number and I gave her the number that I thought they were questioning and she verified that was the number BUT still insisted that they would need to send me a form to have a notary public verify my identity. I explained that I was not doing that because they should have never pulled my credit report, opened the account, and mailed me a card if they had problems with the phone number. After going around in circles with her for 30 minutes or more, even informing her of a prior account I had with them, she still refused to activate the account. If I can't use the card, then that is Discover, closing my account. I made it very clear to the rep that I did not want this to negatively effect my credit. Also, mind you, this took place when our state and most of the country was in lockdown due to the pandemic. Bank lobbies were closed. How was I to access a notary public BUT, why did they pull my credit and open the account and send me a card in the first place? The account was closed and then they sent a bogus email, stating that at my request, the account was closed. It was never opened, if they would not activate the card. I contacted them in XXXX and asked that they remove their credit pull from my credit report because it caused a 25 point drop in my score. The customer service reps said they referred my inquiry to the credit management dept and I would be contacted in 30 days with a decision. In 30 days, I was sent a blank form for me to explain my complaint. On XX/XX/XXXX a letter was mailed from Discover stating they would not remove the credit pull because they did open an account for me. Again, how is an account opened when you want activate the card so that it can be used? Discover is conducting themselves in a very poor manner regarding this situation. They refused to activate the card, thereby prohibiting my use of the credit line and now they refuse to remove the inquiry from my credit report. So I the consumer have no credit line with Discover and a 25 point ding to my credit score. I've worked very hard to maintain a very good ( not good ) credit score and for them to misuse my credit information the way that they have is unacceptable.
Product: Credit reporting or other personal consumer reports

Subject : Seeking Financial Settlement and Damages for Inaccurate Information on Credit Reports Dear CFPB, I am writing to formally address the issue of inaccurate information reported on my credit reports by XXXX, XXXX, and TransUnion. These inaccuracies have caused significant harm to my financial standing and overall well-being. 

Despite my repeated requests to have erroneous data removed following the XXXX data breach, the inaccuracies persist. As a confirmed victim of this breach, my personal information was illegally accessed, sold, and used fraudulently. As a result, the following unauthorized accounts were added to my credit 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 These inaccuracies have severely impacted my credit score, caused financial distress, and led to emotional distress. Despite XXXX admission of the breach and my submission of supporting documentation, no effective measures have been taken to rectify this situation. 

Under the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ), I am entitled to accurate and fair credit reporting. The continued presence of these fraudulent accounts on my credit reports is a violation of my rights under this Act. 

I am seeking financial compensation for the following damages : 1. Emotional distress caused by the data breach and its aftermath. 
2. Financial losses resulting from higher interest rates, denied credit applications, and other credit-related hardships. 
3. Any legal fees incurred during my attempts to resolve this matter. 

In addition to the requested financial settlement, I am demanding the immediate deletion of the unauthorized accounts listed above from my credit reports. 

I expect a response to this letter within 30 days from the date above. If this issue is not addressed promptly, I will have no choice but to pursue further legal action to protect my rights. 

Enclosed, you will find documentation that proves my status as a victim of the XXXX data breach and the subsequent inaccuracies on my credit reports. 

Thank you for your immediate attention to this matter. I look forward to a prompt resolution. 

Sincerely, XXXX XXXX Enclosures : 1. Documentation of XXXX data breach victim status 2. Evidence of inaccuracies on credit reports 3. Correspondence records with XXXX, XXXX, and TransUnion
Product: Debt collection

I went on vacation and XXXX XXXX XXXX XXXX in XXXX and they charged me this money and i had already giving them my insurance i called and solved it now they just mailed me another one saying i still owe and i know it was resolved because it was taken off my credit and that ruined my credit alot
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the fair credit reporting act XXXX account # XXXX XXXX XXXX XXXX violated my rights on XXXX X XXXX 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY 15 U.S.C 1681 SECTION 604 A SECTION 2 IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS THESE ACCOUNTS VIOLATED MY RIGHTS AS WELL ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXXXXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX
Product: Checking or savings account

I over drafted my account but made a deposit of to bring the account back to date the very next day. I made a deposits of {$1200.00} plus more from XXXX thru XXXX. In those deposits {$400.00} was taken in overdraft fees, and my account is still overdrawn because of this. I have contacted your bank multiple times asking to just reject transactions when I don't have the funds instead of letting them go through. I have gone through the process of taking overdraft protection off my account in you're still taking these fees. These fees are predatory, your institution knows that there's n funds in the account and is letting them go through to be able to charge these fees. It is absolutely ridiculous that during a recession, and covid times you're taking advantage of your consumers. From 2020 until today, this bank has charged me over {$900.00} in overdraft fees. If this is not rectified I plan on taking legal action.