23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I'm writing to communicate my XXXX  with respect to the contested records on my credit report. On various occasions, I have raised the issue of mistakes in these records, and have reliably mentioned that they be entirely explored. Regardless of my endeavors, I still can't seem to get any goal or remedial activity. These wrong records are seriously harming my credit document and blocking my capacity to carry on with an ordinary life. The adverse consequences of these errors have caused massive difficulties for me, and I'm left with no decision except for to argue for your help with correcting what is happening straightaway. I compassionately demand that you lead a careful examination concerning the detailing of every one of these contested records. It is basic that the essential advances are taken to refresh and redress my credit report immediately. With your assistance, I desire to reestablish the exactness and honesty of my credit document so I might recapture command over my monetary prosperity. I earnestly ask you to offer this matter your most extreme consideration and make a quick move. Your participation and backing in settling this issue immediately would be extremely valuable. Much obliged to you ahead of time for your comprehension and help.
Product: Credit reporting or other personal consumer reports

These inquiries were done without my consent, and I have no knowledge about them, so please remove them.
Product: Credit reporting or other personal consumer reports

I always check my credit report in the morning and noticed that there's an unauthorized inquiry that appeared. I was disheartened by this due to the fact that this inquiry was not authorized by me yet this showed up.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I applied for a loan with XXXX XXXX XXXX to purchase a used XXXX, I was approved for the loan which should have been the end of it there. But then on XX/XX/2020 another hard pull was added to my credit report. I proceeded to email the loan officer on XX/XX/2020, about the second hard pull and that I wanted it removed. I never received any response back from the loan officer I had contacted.
Product: Credit reporting or other personal consumer reports

XXXX reaching out because I discovered inquiries from your company on my credit report that I never approved.
Product: Credit reporting or other personal consumer reports

I ordered my report and once i received it 3 weeks later i went through all the information on the report and sent them a dispute of the inaccurate information on the report they then sent me the attached letters and told me it was my problem to fix it i contacted the companys they claim verification was done with and was told by there legal departments that they didnt provided them any information about said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

the accounts was dispute however still on credit report in error from XXXX and XXXX court case that XXXX and XXXX agreement due to rent assitance XXXX would cofirm false info Lexis nexis company providing incorrect info for money
Product: Credit reporting, credit repair services, or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 
So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX. 2023, I sent a letter to Experian requesting that a missing about be added back to me credit profile. XXXX was my this attempt t0 get this resolved. Currently the account is still missing from my Experian credit profile. The account in question is : XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX XXXX XXXX ( XXXX ) is currently reporting my consumer account between 30 and more than 120 days past due for four months to all three ( XXXX, TransUnion, and XXXX  ) credit reporting agencies. The resource ( a XXXX XXXX XXXX XXXX ) for  this account has been associated with a civil litigation matter since XX/XX/XXXX. My commercial encountered a breakdown in XXXX XXXX, Arkansas and my Emergency Roadside Service dispatch a towing and wrecker service versus a certified repair mechanic who caused additional damage to my commercial vehicle. The towing and wrecker company was negligent in the mechanics repairs and performed deceptive maintenance practices in their explicit charges for the repairs ; they attempted to charge me more than {$8000.00} for two tows and a single-axle ( right rear ) repair. As a result, I was required to stay in a hotel for more than 2 1/2 month as I attempted to rectify this matter through local agencies ; but, caused me a severe financial hardship and the inability to make payments ( over {$800.00} ) on this account for four ( 4 ) months. To prevent the account from going into foreclosure and eventually repossession, I have been able to make payments on the account for the previous seven ( 7 ) months through my personal financial account. Fortunately, the Representatives of the XXXX XXXX XXXX XXXX have worked with me and allowed me to make payments at the end-of-the month versus on the XX/XX/XXXXof the month. However, they haven't been willing to remove the negative reporting for the four-month negative reporting ; even as I have informed them of my circumstances. In addition, the XXXX is holding a check ( more than {$3000.00} ) which still requires my signature ; and are only willing to post the check to the principle of the outstanding loan since the check was issue for repairs. In reverse, the truck is still not repaired and I would not trust any additional maintenance by the towing and wrecker company as theyre mechanics are not certified diesel mechanics ; nor is the business a certified repair facility. Yet, the truck is still not repaired I will have to transport it to a true repair facility upon completion of the litigation process. Also, XXXX  four-month negative reporting is causing my inability to obtain credit which is much needed for financial support for additional attorney fees and other legal expenses.
Product: Credit reporting, credit repair services, or other personal consumer reports

one account name discover has been reporting on my Experian credit reporting only and i have disputed and disputed couple of time it was removed and put back again on my credit file ( experian ), please help me resolve this inaccurate account removed from my credit file. 
they have not been helpful and wont listen to me and my explanations, i need your help in order to have this problem fixed. appreciate
Product: Debt collection

Enhanced Recovery is reporting a paid collection acct on my credit report for {$130.00}. I have not worked with this company nor do I have any collection acct with them. This information needs to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccurate account information : I am dispute any discrepancies in account balances, payment history, or account statuses that are incorrectly reported on my credit report. The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report so I feel like I am being take advantaged of.
Product: Credit reporting, credit repair services, or other personal consumer reports

Personal info stolen in data breach.
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint regarding inaccurate and harmful credit reporting by XXXX XXXX and credit reporting agencies ( Experian, XXXX, and XXXX ). Despite multiple disputes and requests for correction, the inaccurate information remains on my credit report, negatively affecting my credit score and ability to purchase a home. 

In XXXX, I opened a secured credit account with XXXX XXXX. I requested to close this account in XX/XX/XXXX. However, XXXX XXXX failed to honor my request to close the account, and the account remained open. As a result, fees accrued on the account, leading to late payment ratings being reported on my credit report for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

This inaccurate reporting violates the Fair Credit Reporting Act ( FCRA ), specifically : 611 ( 15 U.S.C. 1681i ) : The credit bureaus failed to conduct a reasonable reinvestigation of my disputes within the required timeframe.

623 ( 15 U.S.C. 1681s-2 ) : XXXX XXXX , as a data furnisher, failed to ensure the accuracy of the information reported and did not properly investigate or correct the inaccuracies when notified.

Harm Caused : This inaccurate reporting has significantly impacted my credit score, making it difficult for me to qualify for a mortgage and achieve my goal of purchasing a home. Despite my good-faith efforts to dispute the inaccuracies, XXXX XXXX and the credit bureaus have not corrected the errors. 

Pattern of Misconduct by XXXX XXXX : XXXX XXXX has a documented history of unfair and deceptive practices, including recent lawsuits and settlements for violating consumer protection laws. Notable examples include : XX/XX/XXXX CFPB Order : XXXX XXXX was ordered to pay {$3.00} XXXX in fines and restitution for systemic misconduct, including improper fees, interest charges, and unauthorized account activity. 
Other Settlements : XXXX XXXX has been repeatedly fined for mishandling consumer accounts, reporting inaccurate information, and failing to comply with federal laws. 
These cases demonstrate a consistent pattern of consumer harm, reinforcing my concerns about XXXX XXXX handling of my account and reporting obligations.
Product: Mortgage

A short sale offer and full file was submitted to my servicer ( XXXX XXXX ) in XX/XX/XXXX. In XX/XX/XXXX, borrower was notified the servicing was being transferred to Fay Servicing. On XX/XX/XXXX, the loan was transferred. Multiple calls were made to Fay for status updates on the short sale file, and we were told the file was " under review ''. Finally, on XX/XX/XXXX we requested to speak with a supervisor, as Fay still had the foreclosure set for XX/XX/XXXX. The VP of Loss Mitigation ( XXXX XXXX ) requested we resend him the offer docs, which were done so immediately. On XX/XX/XXXX, after we received an email requesting changes to be made to the settlement statement ( regarding commission ), we called the VP of Loss Mit to question why these were being requested now, when we were previously told nothing else needed to be changed. The VP ( XXXX ) became aggressive, and told us he sent an email ( while we were on the phone ), to the Investor, and that our offer was declined. He told us the BPO came in at $ XXXX, and countered us at $ XXXX. This happened in a matter of less than 2 minutes. We feel we are being unfairly declined/countered, furthermore, we don't know ANYONE who would be willing to over pay $ XXXX for a property with a valuation showing $ XXXX.
Product: Credit reporting

I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX XXXX ), inquiries, etc are not mine. I am livid, XXXX that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, Department of Education, XXXX and XXXX 2016 this is it ... XXXX was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX Tx, and have only had a XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
Product: Mortgage

Our mortgage was transferred for servicing from XXXX XXXX  to RoundPoint Mortgage during during XXXX ( loan no : XXXX ). Our house is located in XXXX XXXX which went through a re-assessment of property values last year as well. 

Ever since the XXXX  transfer took place, our escrow account reflected a wrong upcoming property tax amount due ( the one prior to re-assessment ). The XXXX XXXX notified us in XXXX that the property tax bill ( due XX/XX/XXXX ) was still unpaid back in XXXX. After receiving the bill, we contacted XXXX to make sure they have the updated tax bill and to inquire when that would be paid. Their email contact does not provide any responses. As a result, we had to contact them via email and then again follow-up by phone. 

We were originally told by their Customer Rep that the bill will not be paid until it is 4 weeks before it starts accruing interest which would have been XX/XX/XXXX. After that date was past by more than a week, we contacted them again and were told that it will now be paid definitely sometime during the month of XXXX but they were unable to tell us when. 

Please note that as they do not respond to emails, we have had to use the helpline number which at times has over XXXX people in line ahead to wait to speak to a Customer Service Rep. 

They also went ahead and paid the property insurance on XX/XX/XXXX which wasn't due until XX/XX/XXXX before Property taxes ( 4 weeks ahead ). This caused a shortage in the Escrow which we already have paid to make sure there were still sufficient funds to pay the property taxes for this year, despite re-assessment. 

Their website updated our escrow account claiming to have paid our property tax bill on XX/XX/XXXX. It is now, however XX/XX/XXXX, our property tax bill still shows up unpaid on the XXXX XXXX website and will start accruing penalty interest starting XX/XX/XXXX. Repeated attempts to contact RoundPoint have been useless and we have never once received a response about why they are unable to process the payment in a timely fashion or even a straight answer as to when it will actually be paid. 

We would like Roundpoint to provide a receipt after they pay the bill to the county and also would like to understand why they are holding on to making the payments almost until they run the risk of being delinquent. Most companies we have worked with in the past have never waited until last minute to pay the property taxes. This has caused us numerous hours of our time wasted and contributed to enormous amount of XXXX  & stress all throughout the XXXX  XXXX  simply because RoundPoint is unable to perform their job in a satisfactory manner.
Product: Bank account or service

This complaint is to be attached to earlier complaints about Wells Fargo Bank opening an account in my name and {$25000.00} stolen from the state of California through XXXX. Complaint # XXXX and # XXXX. I 'm again asking Wells Fargo bank 's Fraud Division to investigate itself and rein in your employee 's. On XXXX XXXX of 2015, my daughter received a fictitious call from a person posing as an FBI agent investigating My Name and Identity Theft. The person wanted to know my address in XXXX XXXX. She has a Wells Fargo bank account. To use your position to gather information from the private record of another person has to be against the law. I immediately contacted the FBI. There response was " We would never make such a phone call to investigate someone. Notify the FTC. '' I did. The call was from XXXX XXXX. Check your phone directory for that number. I have asked the OAG to follow-up in this matter. I have followed up to the State of California Fraud Division hot line. My family 's safety is of most importance. The XXXX XXXX attorney 's office has informed me that they will testify in court in my behalf that it was your bank that laundered the {$25000.00}. The detective will testify, too. If you do n't pass this on to your Fraud division I personally will proceed against you and your incompetence. A person in your organization is in collusion with the fraud why call my family?
Product: Money transfer, virtual currency, or money service

PNC Bnank is holding my account hostage and not allowing me to use apps such as XXXX or XXXX XXXX. Whe nI attempt to connect my bank to these apps they say that the connection can't be made. PNC Help told me that they're trying to protect me, but it's my account and I wish to do what I please with it. The only option I can currently think of is to close my PNC account and move my business elsewhere, but need a short term solution. Can you do anything to make them stop holding my account hostage?
Product: Credit reporting, credit repair services, or other personal consumer reports

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XX/XX/2022 ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX XXXX XXXX Balance : {$1300.00} ; XXXX XXXX  ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : {$6600.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX Balance : {$2400.00} ; XXXX XXXX.
Product: Debt collection

This is for a complex that I never lived in and charged me and put this on my report card. I want this removed. This does not belong to me. This apartments were called XXXX. They are owned by XXXX XXXX. XXXX do not exist.
Product: Checking or savings account

I used Capital One Bill Pay to pay an {$8000.00} invoice for a slip rental to a XXXX. I assumed the check arrived and was cashed, because the {$8000.00} was taken from the checking account. I was balancing the books and found that same {$8000.00} amount on the Capital One Visa credit card, so I called the XXXX to ask why they would charge the amount to the credit card when I had sent the check, which apparently had been cashed. I was told they never received the check, and per the agreement we signed, they then charged the credit card. I called the bank and was told their policy is to charge the account when the check is ordered through Bill Pay. I had to file a claim, which was done 8 days ago, and they still have not refunded the {$8000.00} to the checking account. I have called daily and am told that they are still investigating. What is there to investigate? The check was never cashed! If I had written a check, mailed it, and then called the bank to have the check stopped, they would charge me a fee but would stop the check. Why can't they stop their own check??? I am now out {$16000.00} and have no idea when this " investigation '' will be completed, as I keep getting a different answer each time I call. There are no longer bank officers at branch banks at Capital One, so I have no one at my bank to advocated for me. This is outrageous and I will never again use Capital One Bill Pay.
Product: Checking or savings account

On XX/XX/2022 at approximately XXXX CST I started receiving several emails from ALLY BANK that new accounts were opened with my information. one acct was an interest checking ending in XXXX then another was a savings account ending in XXXX. Then I received an email stating that a XXXX was available for deposit. Then after that I received an email that I needed to call in and verify some information and that the account had been locked due to suspicious activity. I immediately contacted ALLY bank because I HAVE NEVER AND STILL DO NOT HAVE an active account with that company. I spoke to a representative name XXXX i explained what was going on. XXXX he was unable to authenticate me using a three-question set of security questions he was took a report and sent it over the loss prevention department who will review it and if deems that the case was open in error due to fraudulent activity " which it certainly was '' then after approximately 30 days the accounts would be closed. I requested a call back AFTER the investigation. 
**Again, I have never opened a bank, checking, savings account of any type with ALLY BANK.
Product: Mortgage

I have been in contract with XXXX XXXX to correct the problems with my account. I received a letter that said my credit scores would be adjusted and that has not happened. On my statement they are still showing erroneous late fees.. When Selene erroneously force place insurance on my account it generated additional late fees including inspection and other junk fees. I requested that they review my account and make adjustments to the late fees. There was extra money paid on my account which that they are holding. I asked that they apply the funds that they are holding to the late fees and then give me the balance to be paid. I spoke to one of their phone reps and she told me the excess funds could not be applied to my account until it reach a full mortgage payment and then it would be applied to the mortgage payment. I told her I want the excess to be applied to the late fee regardless of their policy ; after all it is my money.. I am paying 15 % interest and applying that money to a payment does not help me because of the {$760.00} payment only {$17.00} is going towards principle. The other thing I have requested is that when I request a payoff statement the the statement " Our records indicate the above reference mortgagor ( s ) is/are either in bankruptcy or has/have received a discharge in bankruptcy '' be remove as it brings up a red flag and impedes my ability to refinance the property. That is false and misleading information Selene is providing to other lenders. Their practices hurt the consumer.