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

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Roundpoint Mortgage is responsible for paying my homeowner 's insurance premium and failed to submit a payment. The billing statement was sent by XXXX XXXX ( my insurance carrier ) on  XX/XX/XXXX with a payment date of XX/XX/XXXX. On Monday XX/XX/XXXX payment had not been received and a XXXX XXXX representative called regarding the payment, and was told that a check for payment would be sent via overnight mail. On XX/XX/XXXX I received a letter from Roundpoint stating that because I failed to renew my insurance, they would be purchasing one on my behalf. The XXXX XXXX agent called again on XX/XX/XXXX to ask about payment and was again told that it would be sent via overnight mail. On XX/XX/XXXX, payment was still not received, and the XXXX XXXX agent again called and was told that they do not ever issue or approve overnight checks and there was no record of the previous requests. The 30 day grace period for the homeowner 's insurance expires on XX/XX/XXXX. I initiated a virtual chat with a representative from Roundpoint on XX/XX/XXXX and was told that they had submitted the request for payment, but that they could not provide me with a confirmation number for the request or confirm it via an email notification. The representative told me that the payment should be made by XX/XX/XXXX. When I requested that it be expedited to arrive by the XX/XX/XXXX grace period cut off, I was told that insurance companies offer an extra 30 day grace period to lender-paid premiums, which is inaccurate. When I asked about a lapse in insurance coverage and how that would be handled, I was simply told that they would not allow that to happen and that I should rest assured that it had been handled. Failure to pay the premium on time, and dismiss additional requests via the insurance carrier and loan originator is extremely unprofessional and careless. Refusing to provide any sort of confirmation code or verification of the payment seems illegal.
Product: Credit card

On XX/XX/XXXX, I charged my Costco Citi Visa card for {$7500.00} as part of an agreement I had with XXXX  XXXX ( XXXX ) to provide architectural drawings and engineering design for my home remodeling project. XXXX kept the fact from me that it went into bankruptcy before I made the payment. I am not able to recover the fund from DE after making several attempts, despite the fact that XXXX has not fulfilled its obligation per the contract terms. Therefore, I turned to Citi Visa to open the dispute in XX/XX/XXXX. After several months of back and forth responding to document requests, on XX/XX/XXXX, I learned from talking to the Dispute line that the case was denied. I was told that Citi has no way of reopening the case and that XXXX made the decision, not Citi. Clearly, the services were not provided and I was denied a refund/billing adjustment of the full amount. Citi could not provide me with a contact at XXXX in order for me to inquire a specific reason other than not sufficient information to arrive at a favorable decision. I have provided all the documents requested of me with explanations.
Product: Credit reporting, credit repair services, or other personal consumer reports

Potentially Negative show tooltip button XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXXUnder Dispute XXXX XXXX XXXX XXXXDispute XXXX XXXX XXXXUnder Dispute all ftc violations Fair Debt Collection Practices Act violations specify that debt collectors can not contact debtors at inconvenient times. That means they should not call before XXXX XXXX. or after XXXX XXXX, unless the debtor and the collector have made an arrangement for a call to occur outside of the permitted hours.XXXX XXXX XXXX The Federal Trade Commission ( " Commission '' ) has conducted an investigation of certain acts and practices of XXXX XXXX XXXX XXXX XXXX XXXX, a corporation ( " proposed respondent '' ). Proposed respondent, having been represented by counsel, is willing to enter into an agreement containing a consent order resolving the allegations contained in the attached draft complaint. Therefore, IT IS HEREBY AGREED by and between XXXX XXXX XXXX XXXX XXXX XXXX XXXX, by its duly authorized officers, and counsel for the Federal Trade Commission that : l. Proposed respondent XXXX XXXX XXXX XXXX XXXX XXXX XXXX is a California corporation with its principal office or place of business located at XXXX XXXX XXXX XXXX, XXXX, California XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

1. The Credit Reporting Agency as well as the Debt collection FAILED to THROUGHLY VALIDATE my request. I requested for a full validation of a debt reported in my credit agencies by XXXX XXXX XXXX XXXX. 
( XXXX-CFPB Ref. No. XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

2. They failed to THROUGHLY VALIDATE the claimed debt reported in my CREDIT REPORTS and XXXX closed the complaint without proper investigation into the issue. 

3. I received. the statement from XXXX XXXX XXXX XXXX without any documents or information on FULL VALIDATION I requested. I am enclosing the photocopy of the documents I received from XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

As a result of a data breach, my personal information was compromised, leading to unauthorized accounts and credit inquiries being added to my credit report without my knowledge or consent. These accounts and inquiries were not initiated by me, yet they persistently appear on my report, negatively impacting my credit profile. Despite my efforts to address these inaccuracies, they continue to be reflected, raising serious concerns about the security of my personal information and the integrity of my credit report. I request that you investigate and remove the following items : Personal Information Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, KS XXXX Employers : XXXX XXXX XXXX Collection/Charge Off XXXXXXXX XXXX XXXX XXXX XX/XX/XXXX {$7900.00} XXXX  XXXX XX/XX/XXXX {$0.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XX/XX/XXXX {$160.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$480.00} XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX ) XXXX XX/XX/XXXX {$5200.00} XXXX XXXX {$5200.00} Inquiries XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On or about XX/XX/2021, I wrote a letter to XXXX, XXXX and TransUnion, requesting they investigate the overabundant unauthorized and unknown inquiries listed on my credit report. I asked this investigation be conducted in a timely manner, and to provide me with the results of the investigation, specifically the person ( s ) who initiated the credit inquiries where authorized and provide me with a copy of the authorization which they received to inquire upon my credit. I believe the numerous inquiries were of a result of a electronic breach at XXXX, XXXX and TransUnion, wherein my credit profile was compromised, I have received notification from each credit bureau that a breach did occur, and I believe as a result of this breach my credit profile was accessed causing unauthorized inquiries, in attempt to obtain credit under my name.
Product: Checking or savings account

XX/XX/2020 To Whom It May Concern : I had a Company Sponsored 401k account with Wells Fargo Retirement. After losing my job I called in and filled out the paperwork to roll out my funds. I paid extra for the check to be XXXX XXXX. The check was supposed to be here on the XX/XX/XXXX. The XXXX XXXX tracking shows the letter was delivered but I did not get the package. I looked at my Security Camera and the only package that day was a box no letter. I called on XX/XX/XXXX and the call was recorded so please listen to that call. I have been under a great deal of stress and have tried to deal with this issue the best I can. A stop payment was put on a check. I was told to write a letter to your Retirement center but the address was so long that I have having a hard time writing down the address. I told the rep I was so upset that I was having XXXX XXXX feelings and needed him to email me the address. That was not possible so he offered a Fax Number. I was told to just write a letter that says I did not get the check. I was told the letter had to be notarized. Under Covid 19 here everything is closed or barely open. I called my Bank they are closed to the lobby and suggested a pack and mail or XXXX  store. I went running out of the house to the XXXX store and XXXX later faxed a letter to you that was notarized. I have the confirmation that the letter was faxed by the XXXX store which I had to pay for again. I was told the letter would be scanned in as short as a few hours or it could take a day or two. 
Today, XX/XX/2020 I called after giving it a day for my letter to be scanned into the system. I was totally blown away, the letter is not what you NEEDED from me. Rather you sent me a form? I am so upset and in utter dispair as this time. I dont know what to believe. Each time I tried to call Wells Fargo it takes a min of 45 mins and most times you tell me to wait for a call back. I usually have to set aside two plus hours to deal with this issue. Today again 45 mins later, I am told a totally different process I am waiting for a manager to call but again it may take a few days.
Product: Money transfer, virtual currency, or money service

I transferred XXXX into an interest-bearing account on Blockchain.com on XX/XX/XXXX this year. 4 days later I was informed that I had breached their terms and conditions and I had 24 hours to remove my balances before my account would be frozen. As my transfer had locked my XXXX for 7 days I was not able to remove it in the given timescale. 
I contacted their support team who would not tell me how I had transgressed their T & Cs but they said they would send my XXXX  to another address. This was over a month ago and since then they have ignored all my contacts and have still not sent my XXXX
Product: Debt collection

XXXX XXXX XXXX ( XXXX ) {$400.00} Date Opened : XX/XX/2023 Disputed previously and the account was sold to another collection agency after being disputed and removed. 

XXXX XXXX XXXX ( XXXX ) {$420.00} {$250.00} {$600.00} Date Opened : XX/XX/2023 Disputed previously and the accounts were sold to another collection agency after being disputed and removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Unable to obtain my credit score for XXXX, nor file. I contacted Credit Karma to inform them of the issue and this issue hadnt been resolved. Its been about a couple months or close to year where Im not able to see any information which I do have credit.
Product: Credit card or prepaid card

I've had a credit card for years with Bank of America. In XX/XX/XXXX I paid off my balance and because I had it on auto pay, it continued to pay and I ended up with a credit balance. They notified me repeatedly since they didn't want the credit balance so I turned off the auto payment and they sent me a check. 

Then in XX/XX/XXXX I did another balance transfer. I forgot I had turned off the auto payment so I received a late fee on XX/XX/XXXX. I get it, it was my mistake so paying the fee was fine. Then on XX/XX/XXXX, I received a fee for " minimum interest charge '' even though I wasn't supposed to be paying interest due to the balance transfer at 0 %. 

I didn't notice the fee in the beginning but called in XXXX when I noticed they had charged me a fee each subsequent month. I talked to somebody to ask why I was being charged this fee. They said because I had the late fee in XXXX, it will continue to charge this every month. My understanding is they aren't supposed to charge interest on fees so I'm confused how they are justifying this to begin with. They said they would refund the fees ( they just refunded one as far as I can tell ). When I asked what I could do in order to get this fixed so I wasn't charged this fee monthly, they told me they couldn't do anything to fix it but I could call every month and request a refund. Seriously?? I was very upset at this point due to their unreasonable response and believe I even talked to a supervisor. Asking customers to take the time to call each month to request a statement fix for {$1.00} is craziness. It's their error. I realize it's only {$1.00} but it's wrong and they could be doing this with a million customers each month. 

They have continued to charge this fee every month as they can see on my statements. I obviously just need to pay it off but want to bring awareness to this predatory fee practice. This definitely violates UDAAP and am surprised this is happening at such a large financial institution. 

I look forward to hearing the resolution on this matter and hope there can be further investigation as to how many customers are being charged fees inappropriately.
Product: Checking or savings account

I was ordering food from XXXX inc when I noticed that they were deceiving me and other people into paying for a XXXX membership without my consent. When I asked them to cancel and refund it, they said that was okay and requested the last XXXX digits of my card. I provided them with that card, which I used to pay for my order of chips and salsa and was unexpectedly charged for membership. They insisted that this was incorrect even thought it was and closed the live chat right after saying its on my card history and told them it was the correct card last digits, even though the card I used to make the purchase shows that I placed the order, and they have no other place to cancel in the XXXX database for the subscription plan which is not normal, I have the whole thing documented with picture and info, I want to proceed putting money on a lawsuit.
Product: Credit reporting or other personal consumer reports

Accounts with XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX was never late! I have had exceptional payment history with all ACCOUNTS and all payments were placed on Autopay. These late payments which became result as charge off that is reporting is a result on a systematic error on their end processing my payment. These was clearly a billing error made within the companies and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family.

I asked multiple times for the late payment reported in ALL MONTHS REPORTING LATE to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late, and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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. 

XXXX XXXX, XXXX, XXXX XXXX XXXX, AND XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer Update and delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

I have Disputed these accounts more than once and the information has not been updated. XXXX  XXXX XXXX account is old and the delinquency dates are not reported. It was deleted automatically off my other XXXX reports but not this report. The XXXX account is over seven years also and not reporting accurately. The delinquency date on the Truliant account is also wrong. I need this corrected immediately. They are not taking my complaint seriously. The representatives have not been helpful at all and do not care.
Product: Credit reporting, credit repair services, 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. 
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 has violated my rights. 

XXXX5 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.

15 U.S.C 1681 section ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knowns or has reasonable cause to believe that the information is inaccurate.
Product: Vehicle loan or lease

I was charged a cash down payment to lease vehicle and my paper work says credit those are false accusation. Violation is USC 1605 ( A ) ( C )
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a checking account with Huntington bank, I then closed it because the website was not user friendly. The account was closed per my request. They reported that the account is closed for cause ( The account is closed because the account was not handled in a manner consistent with bank policy ) in the XXXX warning report. This inaccurate information was used against me from another bank. The bankviolates the FCRA. Below is the report from XXXX XXXX. <P/>Consumer ID : XXXX Bank Name : HUNTINGTON BANK - OH Bank Routing # : XXXX Account # : XXXX Open Date : XX/XX/XXXX Close Date : XX/XX/XXXX Current Account Status : Closed For Cause Previous Account Status : Present Date of Last Status Change : XX/XX/XXXX Name : XXXX, XXXX,, Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX SSN : XXXX Date of Birth : XX/XX/XXXX Email Addresses : XXXXXXXXXXXX Thank you
Product: Consumer Loan

This is a extension of a problem we have with Reverse Solutions , Inc. Our mortgage number is XXXX. 

We have done all we were requested to do. Paid the amount asked, acquired flood insurance and now there is a mix up on their end and we have XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, Wisconsin XXXX harassing us and threating to forclose on our home. We are XXXX & XXXX years of age respectively an in fragile health and yesterday I lost my sister. They were extremely rude on the phone and we would respectively like some action taken to stop this harassment.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of 2013 I filed for bankruptcy and all debts were discharged, including a lease agreement with XXXX XXXX XXXX. Post discharge, XXXX XXXX XXXX has been reporting my as late 5 times after the bankruptcy. I have attempted to resolve the issue through the credit reporting agencies and with XXXX XXXX XXXX with no success. The account is showing closed and without a balance which is the only thing that is correct. The 5 late payments which are being reported on credit reports after my bankruptcy discharge are causing great harm.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX, to remove : XXXXXXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX These addresses are Unkown to Ive already included this in my previous Complaint & I am including it again.
Product: Credit reporting, credit repair services, or other personal consumer reports

READ THIS DESCRIPTION THOROUGHLY : I have already sent all my information from my ID and bills through certified mail on XX/XX/2020 to all these 3 major credit bureaus. They can check my complaint, then quickly within 1 day ( examples are below ) close my complaint case so quickly, but can not follow the FCRA law to verify the unverifiable, unauthorized, inaccurate, fraudulent negative accounts that are in my report. How are you ( XXXX, XXXX and TransUnion ) as a company to look at my complaint so quickly, close my complaint so quickly, tell me MULTIPLE TIMES I need to send/mail my information you when I HAVE ALREADY SENT IT TO ALL 3 COMPANIES ( XXXX, XXXX, and TransUnion ). This matter is completely UNACCEPTABLE! 


TransUnion Company 's Response We applaud your recent efforts to take charge of your credit. We want you to know were on your side, and were here to help support you on your path toward credit health. We recently received a request that contained your information, but it didnt appear to have been communicated by you or a properly authorized third party. 

( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020 I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) STATUS XXXX Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response Thank you for submitting your complaint on XX/XX/2020 through the CFPB Complaint Portal. We reviewed and considered the information you have supplied through the CFPB portal. Your CFPB complaint regarding your reinvestigation does not appear to have been sent directly by you or to be authorized by you. 

Again! ( How are you as a company to tell me to verify myself and NOT check the CERTIFIED MAIL in XX/XX/2020, I have sent to all 3 credit bureaus of my current drivers license and utility bill, violating my rights. In violation of the FCRA law!!! ) REMOVE ALL MY INACCURACIES OFF MY REPORT!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've had my XXXX XXXX for many years & have used it responsibly. Furthermore, I've never missed or had a late payment. Recently XXXX ham my credit limit arbitrarily decreased by a substantial amount XXXX {$1700.00} XXXX. I jad a credit limit of {$2000.00} and not it's {$300.00}. I called the issuer of the credit card, TDBANK & inquired why was my credit limit decreased even though I have an excellent history with the credit card. Furthermore, I advised TDBANK that there action of decreasing my credit limit reduced my credit score by more than XXXX points. I was advised that I would get a response addressing my concern but as of todays date no one has contacted me.