23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Chase Quickpay with XXXX offers ZERO protection. Once you send the money its gone and they refuse to help you
Product: Mortgage

In XX/XX/year>, RoundPoint Mortgage Servicing Corporation became the servicer of my mortgage after a transfer from XXXX XXXX. My mortgage account includes an escrow account intended to cover property taxes and insurance premiums. 
My homeowners insurance policy with XXXX was due for renewal on XX/XX/year>, at an annual cost of {$2300.00}, with sufficient funds of {$3100.00} available in escrow as of XX/XX/year>. Despite repeated communications with RoundPoint, including a phone call and an email I sent on XX/XX/year>, requesting that my escrow funds be used to pay the insurance premium, the payment was not processed. On XX/XX/year>, XXXX officially canceled my policy due to nonpayment. This cancellation occurred despite RoundPoint having 43 days to act on my renewal request. 
During the lapse in insurance coverage, I incurred significant damages : XX/XX/year> : A tree fell on my property during a storm, causing approximately {$10000.00} in damages. XX/XX/year> : Gas leaks, later determined to have been caused by a lightning strike, required emergency repairs costing {$3700.00}. I also required medical treatment due to exposure. Additionally, because RoundPoint failed to make the insurance payment on time, I was forced to obtain a new homeowners insurance policy with another provider, Travelers, at an annual cost of {$3100.00}, representing an increase of {$800.00} per year compared to my previous policy. This cost will continue for the foreseeable future. RoundPoint has acknowledged receipt of my XX/XX/year> email in which I requested escrow disbursement, as well as subsequent communications on XX/XX/year>, and XX/XX/year>. However, they failed to process the payment until XX/XX/year>, almost XXXX months after the policy expired. XXXX rejected this late payment, and my policy could not be reinstated. RoundPoint has since denied responsibility for their delays, despite these facts.

To date, RoundPoint has not compensated me for the damages incurred due to their failure to manage my escrow account properly. They also plan to charge me for XXXX XXXX XXXX XXXX XXXX  ) for the lapse period of XX/XX/year> through XX/XX/year>- which I believe they are also responsible for.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Upon reviewing my updates, incorrect information was found in my reports. The Equifax Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the inquiries that are reporting on my Credit Reports : XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX  Date of inquiry XX/XX/XXXX XXXXXXXX  Date of inquiry XX/XX/XXXX
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 NUMBER : 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 four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XXXX  XXXX / XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EXPERIAN has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting or other personal consumer reports

I recently looked at my XXXX bureaus credit reports and came across a number of inquiries that werent approved by me. After contacting XXXX, XXXX and Equifax they offered no assistance in the unapproved inquiries. During this time, XXXX XXXX  XXXX was opened fraudulently and now is in collection status. I also noticed XXXX XXXX XXXX bought a a XXXX bankruptcy account and is attempting to collect said XXXX debt.
Product: Student loan

I applied for private student loans through Wells Fargo. Throughout the years I have accumulated over 100,000 in student loan debt. My parents were co-signers on all of these loans. My parents have a combined income of XXXX. My dad 's credit score is XXXX  and my mom 's is XXXX. Recently, I applied to refinance my student loans because my current monthly repayment plan is {$1200.00}. Wells Fargo denied my application to refinance, even with my parents as co-signers. My parents ' income and credit score has not decreased since my initial application to obtain all of my student loans. Why did Wells Fargo deny my application to refinance in order to obtain a reduced monthly payment plan when my parents ' credit score has not decreased from XXXX and XXXX? My parents and I are XXXX and I believe that Wells Fargo is trying to take advantage of that. This company is notorious for scamming their consumers and I really want to fight the denial to refinance my student loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX does not provide to me access to upload documents to an existing dispute. I shouldn't have to spend time and money mailing documents, disputing fraudulent information on my credit report. XXXX is not helpful in providing support to an already horrifying ordeal to one 's identity theft. I've incurred nothing but obstacles with the credit reporting agencies- whom is ultimately responsible for storing, verifying and protecting my pertinent information. We have to trust the Social Security Administration with this vital information, yet we don't hear that our information is breached. Our banks hold our next most valued information and possession, they may be robbed, but the consumers identity and vaulables are protected and insured. Even if a consumer dispute something with banks or other financial sources, they are not putting more stress on a consumer for an despicable an unjust act occurred not of their doing,. XXXX  has items listed on my credit report showing long before I disputed these fraudulent accounts. I need XXXX to remove the fraudulent items. I am trying to buy a house and new car asap
Product: Credit card or prepaid card

Fraud done on my Capital one visa credit card. Reported and new card sent, but credit for 2 XXXX  fraud through XXXX website purchased and picked up at XXXX store done The manager of store stated the proper ID to pick items in fraud was obviously " not '' requested in store which has now become common. in the amount of {$2600.00} never given. Told by several agents would be given, but not done and now past file time, but they see the fraud and new card was issued within proper time. case number # XXXX ( only one of case numbers with Capital one visa in this issue ) I have perfect credit and never even had a late fee since pay bills 100 % of time at time due in full. I am a XXXX XXXX XXXX physician. Then told to call XXXX since fraud done through their website. Told by XXXX " several '' agents credit will go back to the credit card, but take 30 - 90 days. Never credited then told call Capital one who states too late eventhough was now too late then I am told it is " my fault '' by not following up better on the credit, but clearly in their system of the fraud. Told call XXXX who again said they will take care of it and not to worry. Still no credit. Now spoke with XXXX retail executive relations XXXX XXXX XXXX ext XXXX that her XXXX agents told me wrong and credit needs to be done by Capital one visa opening a dispute which was never done and then can give credit. Capital one visa did state their own agents always gave me wrong information after the supervisor got involved and told me they will NOT open dispute or call the XXXX executive since too late althought they see the fraud. After trying for such a long time XXXX blames Capital one visa then XXXX blames XXXX then they blamed me?? BUT ALL SEE THE FRAUD. I even have police case number and officer ID etc and so does all involved many times given to the agents. and in writing. At this point nest step is Small claims court and filing fee is {$300.00} plus other expenses and hours plus hours more. Please help thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

DEAR EQUIFAX IM SENDING YOU THIS LETTER TO PLEASE RMEOVE THE THE XXXX CODE OFF MY REPORT BECUAE I CAN NOT REVIEW MY CREDIT FILE.
Product: Credit reporting

I checked my credit report from XXXX. On the section of credit inquiries. I found there is XXXX from XXXX which I do n't recognize. On the report it says XXXX XXXX, De XXXX. I have no idea what kind of card is this, and I never ever applied any card from this unknown bank. I want this incorrect error removed from my credit inquiries in my credit report. I have included the screenshot of the hard inquires from my XXXX credit report. I have no idea what this inquire is. And the most important is, I never ever applied any card from them.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. despite my efforts to resolve this directly with the reporting agency, it remains unresolved. I request immediate investigation and removal of these items, as they are incorrect and does not reflect my true credit history. XXXX XXXX XXXX  XXXX ACCOUNT # XXXX, XXXX  XXXX # XXXX, XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, 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. 

Furthermore, XXXX  XXXX XXXX is reporting conflicting information on my report. In the Additional Information Section it states, " Between XX/XX/XXXX and XX/XX/XXXX, your credit limit/high balance was {$5500.00} ; '' however, they are reporting an amount due of {$9900.00} as of XX/XX/XXXX. Please review the attachment as confirmation of these facts.
Product: Debt collection

I sent transworld system this document ceritfied mail and XXXX did not send the requested documents asked for in the validation request I mailed. Transworld system sent me a document that was typed out on a plain piece of paper with their logo on the top. Anyone create anything from a plain piece of paper. The response transworld system sent to CFPB is bogus! I know my rights as a consumer! Transworld system is a third party company who is to abide by the FDCPA laws. The validation request I sent goes as follows : I hereby dispute your claim and request validation of the alleged debt pursuant to the Fair Credit Debt Collection Practices Act. 
Please provide competent documentation as follows : Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Document evidencing your company has the right to collect the alleged debt. 
The total debt balance with an explanation of all interest and fees. 
Date the debt became delinquent and/or the date of the last payment. 
The name and address of the creditor and the creditors account number associated with the debt. 
The name and last known address of the debtor as it appeared in the creditors records before the assignment of the debt to your company. 
The names and addresses of all persons or entities other than your company to which the debt was assigned. 
Send me proof that you are licensed to collect debt in my state. 

Cease any credit bureau reporting until the debt has been validated by me as required under the FCRA. 

Lastly, I hereby request no telephone contact be made by your offices to my home, cellular phone, workplace phone, telephone numbers of my family and friends. All future communications MUST BE DONE IN WRITING as telephone calls are inconvenient. 

FURTHERMORE, THIS IS NOT A REQUEST FOR " VERIFICATION '' OR PROOF OF MY MAILING ADDRESS! 

Remove this immediately from all three credit reporting agencies for transworld system has violated FCRA laws!
Product: Credit card or prepaid card

On XX/XX/20 my account with Chase was restricted. My online access has been blocked. I can not make payments on my balance because of this. I can not purchase anything either.
Product: Debt collection

In late XX/XX/XXXX I received a letter stating I owed the " Lien Total '' of {$3.00}, XXXX from the firm Lueder, Larkin, and Hunter. The firm states on the letter received that they represent the community I am a member of, " XXXX XXXX XXXX ''. 

Once I recievd the letter, I sent a dispute response, as I had just received a bill from the association that stated a different amount owed of {$2600.00}. This was just in XX/XX/XXXX. My dispute was due to the firm alledging that I owe interest since XXXX when I've paid XXXX  since that year. They also charged more fees to the bill called " misc fees '' and " attorney fees ''. That is over {$750.00} difference within XXXX  months time. When I asked why the bill was different from the one I just received in the mail, they sent several word documents with ledgers that were created using a XXXX program and not accounting software. The bill I just received in XX/XX/XXXX was no where close to the information they sent about my dispute. As I told them, I do not mind paying the debt I owe, however I do mind paying debt that I do not owe. It is unethical to send fraudulent amounts, in an attempt to request debt that is not factual. Even the letter they sent states " Any partial payment will be applied to attorney 's fees, costs, late charges, interest, and then any remaining amount will be applied to the oldest principal balance. '' so why would I owe interest and fees since XXXX, if I paid " partial payments '' to the balance since the year of XXXX when I paid since that time period? 

There is a " misc fee '' of {$250.00} that does not reflect anything. In the past, the {$250.00} was an " attorney fee ''. There is another " attorney fee '' of {$90.00}. Why am I paying {$340.00} for " attorney and misc fees '' for someone to send a word document with an incorrect balance to me via email? In the past, this same firm charged me {$250.00} for attorney fees and now they are wording it as " misc charges ''. To me, this is unethical and fraudulent. It is a shame that a company can take advantage of a consumer for profit. Why can this firm not represent the correct debt that is owed? I want to be treated fairly and pay the correct and ethical debt that I owe. This company is threatening to put a Lien on my home for an unethical amount. It is fraudulent to take money and property from someone when they do not owe what is claimed.
Product: Credit reporting, credit repair services, or other personal consumer reports

What the XXXX is wrong with you people? I sent you a letter requesting to fix your errors on XX/XX/2021 but its been over 2 months now and still got no reponse. I have been advised that under section 611a you are legally obligated to respond to my dispute letter within 30 days but to this day, almost 2 months have passed but I still haven't got any response from you. What the XXXX is this???? This is utter negligence. I am keeping record of everything because if you continue to ignore my disputes I am going to seek litigation for all the trouble youve caused me. Im trying to get these errors on your report straightened out for my family and youre ignoring it. My information may also have gotten to the hands of the wrong person because of XXXX  data breach and you need to do your part to investigate and clean up these errors.
Product: Mortgage

Home of Record : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Re : ( account number, if applicable ) On XXXX XXXX, 2022 I received an email from XXXXXXXX XXXX XXXX American Financial Network regarding the Application I'd completed on the XXXX official site with attached banking, employment, tax, and XXXX XXXX documents. 

My application was submitted prior to XXXX XXXX, 2022. I received email from loan XXXX XXXXXXXX XXXX XXXX XXXXXXXX stating he'd received my application from their system. He begins asking for the same documents I'd provided XXXX by XXXX. This went on for a span of XXXX weeks. We've gone through XXXX credit report pulls and my submitting letters from creditors of payments and balances made. XXXX was days apart and requesting the same documents again some for the XXXX and XXXX time. Were get to XXXX weeks and still there are no underwriting attempts for pre-approval. 

I made it clear I work in construction for a company that has projects in more than XXXX states across the United States. I work in a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I was then asked why I was buying a home in my home state but would XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I was denied the first Pre- Approval for this reason. I'm renting in the state of Georgia. My home is Mississippi as says my license, vehicle registration, voter registration, company pay stub mailing address, and other documents. Yet I can't buy in the state I live and work in another state which is the nature of my profession.
Product: Credit reporting or other personal consumer reports

Early Warning allowed XXXX XXXX  XXXX XXXX XXXX  to open a checking account, savings account, and Money Market Account ( s ) In my name without my permission. XXXX XXXX Sent a letter to me stating I am not liable for these account 's and they closed these due to identity fraud/theft. However when Requesting Early Warning to complete an investigation and to block this information from my Early Warning Consumer report, they blocked the information and sent a letter one day later saying they have rescinded the block. It says it was blocked in " error '' On the next page it says if you have further questions or want information that Early warning does not have this information please reach out to XXXX. For XXXX, I did not open any account 's with XXXX XXXX or Their subsidiary XXXX XXXX. I have not opened a Cashback Debit, I did not open any money markets and I did not open any Savings account with XXXX or their Affiliates. These account 's were created and opened by XXXX XXXX  and it appears Early Warning is siding with XXXX yet DOES NOT HAVE ANY VALIDATION all they have is XXXX Telling them that I opened the account and I am liable for the FALSE information they are reporting. I did not receive any debit cards from XXXX, I have not been mailed any Account application 's and I did not use these accounts or their services. I do not accept Blocks being rescinded BASED ON EARLY WARNINGS MATERIAL MISREPRESENTATION. Early Warning Refuses to send me a copy of my consumer disclosure. Additionally, I am a victim of Identity Fraud, and Early Warning is a company that provides a consumer reports to banks to determine my banking history, and This information from XXXX IS FALSE. Falsely reported, and False information. I do not have account 's with this company nor have I ever. I did not apply for these account 's I did not authorize XXXX to access my consumer disclosure nor my credit reports. XXXX Is creating a sham and Early Warning is biting into it. XXXX Fraudulently used these account 's XXXX Fraudulently opened these account 's and applied for them. It's clear Early Warning does not conduct investigations and instead blames the victim of identity theft for the fraud occurring. XXXX Is reporting inaccurate information on my consumer report and Early Warning is in agreeance with it, and instead of providing information Early WArning 's Letter states they do not have any information to contact XXXX XXXX. I will not be contacting XXXX XXXX because I do not do business with this company. I have not autorized ANY Accounts to be opened in my name without my permission, and that's exactly what XXXX did. Nor did they ever send me any information on these account 's.
Product: Bank account or service

On XXXX XXXX, 2016 I attempted to use my Citibank ATM Card to withdraw money when traveling in XXXX. I tried it twice at XXXX ATMs close to each other, once for {$8000.00} XXXX and then once for {$6000.00} XXXX. Neither time was money disbursed. I then went back to my hotel and got a different card from XXXX XXXX. I attempted to withdraw money again on XXXX XXXX, 2016 at another ATM with my XXXX XXXX card and funds were disbursed. I complained to Citibank and logged a dispute. Citibank gave funds back for both ATM issues that transpired on XXXX, XXXX, 2016, on XXXX XXXX, 2016. On XXXX XXXX, 2016 Citibank charged back the {$6000.00} XXXX dispute credit ( {$340.00} USD ). I called and complained and again Citibank gave back the funds. On XXXX XXXX, 2016 Citibank again charged back the {$340.00} USD.
Product: Vehicle loan or lease

Online access is restricted upon checking USAA claiming I have filed too many complaints and the company is exercising its right to terminate the relationship with me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Id like to remove these items off of my credit report due to inaccuracies. Credit bureau are reporting wrong information and are allocating debts that are not mines. Below are the discrepancies that are throughout my credit report. 

XXXXXXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

I want remarks removed from my Transunion because they opened another investigation without my authorization. I asked for inaccurate & incorrect information to be removed from my credit after I physically showed them what was incorrect, this was a factual dispute based on the report that they supplied & I highlighted the many errors but Transunion continues to violate the FCRA while posting a remark on my credit that lowered my score 67 points
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 XXXX 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 corrected : 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