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

I lodged a complaint with these Bureaus a XXXX ago, but unfortunately, the inaccurate information on my report still remains. I haven't received any communication from the Bureaus, except for the notification that you sent stating that the company has responded to my complaint. How can I be certain that they have thoroughly checked the inaccuracies on my report? What methods did they employ to validate the accounts? This whole situation is incredibly frustrating! It's been more than XXXX  days since I filed a complaint with these Bureaus, and yet the disputed accounts have not been updated. If this continues, I will have no choice but to take legal action due to the immense stress this has caused me. Moreover, I am also concerned about the security of my personal data, as it was affected by the Equifax, XXXX, and XXXX data breach.
Product: Debt collection

My father had some medical bills while undergoing XXXX for XXXX. He passed away, and there were XXXX outstanding bills for XXXX. 

My mother had traveled to be with her sisters. I went back to the state I live in. The last of the bills were sent to my parents home. Then a collection agency ( ACCOUNT RESOLUTION CORP. ) based out of XXXX, MO sent collection notices ( to imaging sessions ) to my parents home. Ultimately they filed it under my dad 's name, and his SSN, and address with the XXXX and XXXX. The bureaus then somehow linked that with my SSN and his address. 

I have n't lived with my parent 's in years, different state, address, etc. However, both XXXX and XXXX reported me as having a collections report filed against me - possibly purely based on my name. My mother had kept her maiden name. So more than a year later, I receive an alert saying the XXXX charges ( totaling XXXX {$600.00} ) had n't been paid and I was delinquent. 

I had no idea these charges existed, the collections agency claims to have reported my dad 's SSN and address correctly. The only link was, I grew up at that address as a child. 

Now I have the headache of dealing with XXXX unresponsive agencies who made an incompetent mistake that is on my credit history a few weeks before I 'm applying for a home loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

So, I sent XXXX letters out on XX/XX/2022. Here are my tracking numbers. 
TransUnion # XXXX, XXXX # XXXX, XXXX # XXXX. To remove personal information, I do not want on my credit report. According to the fair credit reporting act 12 USC 1681. I have the right to privacy. Also, according to 15 USC 6802 no financial institution is not suppose to share my information to third party people these are clear violations of my federally protected consumer rights.
Product: Checking or savings account

On XX/XX/year> I received 2 emails from Credit Karma Spend Account Services saying I created a virtual card and that I changed my debit card PIN. I called immediately to let them know it was not me. The representative told me not to worry he would deactivate the virtual card and freeze my account so no further activity could happen. About 30 minutes later my account was cleaned out. {$530.00} was spent on the supposed deactivated virtual card. The next day I disputed the charges. 2 days later I checked the progress of the disputes and it said they were unsuccessful. I called back ( never received a call or email from their fraud department ) and was told they called the merchant and verified the charges were made by someone at my IP address. I asked for copies of the merchant evidence and was told they would reopen the dispute and have a senior fraud investigators contract me. No one has called or provided me with a copy of the evidence they claim to have. I need it to file a police report.
Product: Credit reporting or other personal consumer reports

I would like to file a complaint against Capital One, Dept of Education, and XXXXXXXX XXXX for illegally reporting my information to unaffiliated third parties without providing me with the required disclosures. They are required by law to provide three disclosures, but after checking all documents from there institution, I found none that include these required disclosures pursuant to 15 USC 6802. I am hereby requesting all disclosures required by federal law
Product: Credit reporting, credit repair services, or other personal consumer reports

I NEED HELP MANAGING MY CREDIT FILE. PLEASE UPDATE MY PERSONAL INFORMATION. PLEASE UPDATE MY PHONE NUMBER TO : XXXX. PLEASE UPDATE MY ADDRESS TO : XXXX XXXX XXXX XXXX, GA XXXX. PLEASE UPDATE MY CURRENT EMPLOYER TO : XXXX XXXX XXXX. PLEASE UPDATE MY CURRENT EMPLOYER ADDRESS TO : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. I WOULD LIKE MY PERSON INFORMATION UPDATED IMMEDIATELY.
Product: Mortgage

We couldn't afford to pay our 2nd mortgage ( XXXX ) back in 2009 when the housing crisis happened. For 13 years we have heard very little about it. Now they are claiming we owe XXXX and they are threatening foreclosure if we don't pay. We asked for help numerous times ( at least 6 times ) and they ignored us, until just recently when we received a notice of civil lawsuit from them. They told us to give the XXXX then {$510.00} a month at 9 % until XXXX when they'd make it official, which we don't have, and they didn't put that in writing. We need help please.
Product: Debt collection

I cancelled with XXXX XXXX XXXX multiple times as its been a headache because they refused to cancel my policy after many call attempts and me going even into the store to cancel which I had a witness WITH ME because of billing issues even when my bills were paid! I went to the store AND called to cancel and they chose not to. I switched providers because of them not listening and constantly billing me way after when there was no usage of me even using or having XXXX XXXX XXXX and I paid my last payment even when I was switched to another provider. I still paid my last bill ever owed. Last payment I ever owed was in XX/XX/XXXX even when I was with another provider. I STILL PAID WHAT I OWED. I was a LONG TERM customer since around XXXX and im extremely disappointed. Then im told im getting charged for equipment when the equipment is what I OWNED PAID IN FULL!! This is effecting me and my credit for no reason when I have kids when this shouldnt even be where its at. If they stopped XXXX XXXX over and actually listening to THEIR customers. Why I cancelled with them because I always ever paid any bill owed and they always say its not paid even when it WAS PAID! This needs to be fixed or I will contact the XXXX for something that isnt my fault and is XXXX XXXX XXXX XXXX  on keep billing a customer ( which I know theyre month behind ) which I had XXXX right before XXXX hit, and my last payment I ever owed was for XX/XX/XXXX which was paid since I cancelled with them way prior. That was the last month ever that needed to be paid. So how in the world does it go to {$900.00} when I havent even had them or used their usage in almost over a year now. There should be NOTHING in regards to this on my credit for XXXX XXXX XXXX They been rip offs for awhile and why I finally chose to cancel them because of billing issues even after bills are already paid IN FULL along with MY EQUIPMENT I OWNED which was paid IN FULL!! This is such a headache because I keep getting the run around between XXXX XXXX XXXX AND THE DEBT COLLECTOR IT GOT BOUGHT OUT OF!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi Transunion XXXX again with my XXXX complaint. I just want to let TransUnion know I will not stop filing complaints until I get my resolution. You guys claim you are investigating but when I check your website it says nothing is being done. Then you send me a notice saying you cant honor my request because I received goods? Anyways I'm not going away. I'm getting really good at filling this form out and I look forward to filling out more. 

Just please remove the XXXX accounts, i have everything you need to remove them and i still dont understand why they wont be removed.
Product: Credit card

I currently have an account restrictions on my card preventing me from making any purchases. The reason for the restrictions are due to Capital One wanting an authorized user on the account driver license and social security number. However, the authorized user has been uncooperative in providing myself with the requested documentation. 

This has been expressed to capital one in multiple complaints sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Additionally, this issue was included in a corporate complaint received by XXXX XXXX on XX/XX/XXXX. All of which, XXXX XXXX never responded. 

I also attempted to resolve this matter through the XXXX  with the complaint ending XX/XX/XXXX with no resolution. 

Because, the authorized user information was not provided. XXXX XXXX also closed two other credit cards that I had. The stated reason is that information was requested by XXXX XXXX that they claim was never provided by myself. However, in their XX/XX/XXXX letter notifying me that they are requesting information. They never explicitly told me what they are requesting.
Product: Checking or savings account

On XXXX I reached out to Capital One to let them know that a XXXX XXXX was not received by the XXXX I am working with ( XXXX XXXX ). I had set up the XXXX XXXX in in XXXX of XXXX and made XXXX successful payments to this XXXX. However, I found out the last XXXX payments made totaling XXXX were not received by the merchant. 

In the Capital One app, I only have a list of XXXX XXXX. I can easily select this XXXX and send the payment. When sending the payment, there are no details listed- it only lists the most recent payment made. Because I made no change to the XXXX and the most recent payment reflected a payment I recognized, I continued to make payments to this XXXX 

However, unbeknownst to me, Capital One changed the XXXX starting in XXXX of XXXX. They did not inform me of this change or the fact that the payment was converted from a mailed check to an electronic payment. I reached out to Capital One to let them know of this issue. 
XXXX. Capital One insisted that the payment was electronic XXXX. I insisted that there was no electronic account to send the payment to so I could not understand how it could be electronic XXXX. Cap One said the payment was sent as requested XXXX. I insisted that the change in the instructions needed to be investigated as I could not comprehend how it would have been sent out electronically when it was by paper for years Capital One deliberately did not hear my objections to how they articulated the dispute. They could only say " we will look to see if the payment was executed as requested. '' Multiple times I said " It looks like you changed the instructions, please investigate how the XXXX I have paid since XXXX was changed without my knowledge. '' When rejecting this dispute, apparently, the payment went to a company called XXXX. In looking XXXX up, they streamline payments by managing paper checks and converting checks to electronic payments. 

It appears that in working with this company, XXXX, Capital One converted my payment to the wrong XXXX. Instead of sending the payment to XXXX in XXXX, they sent it to XXXX XXXX XXXX XXXXXXXX in XXXX. Thus, while the instructions were executed as " requested, '' those were not my instructions. My instructions were to send the payment to XXXX ( in XXXX ) and I had not changed those instructions since my first payment in XXXX.
Product: Mortgage

I'm trying to get a reverse mortgage to keep my home. The mortgage company Specialized loan servicing, has been to say the least very difficult to deal with. On my monthly statement I have a princable balance of XXXX XXXX and now they are saying that the payoff amount is XXXX XXXX. Over XXXX XXXX more.! My XXXX passed away in XXXX of XXXX. I've been trying to deal with them ever since, I've made my payments on time every month and been in contact with them sometimes XXXX or more times a week. 
I've sent them request for help in the form of a loan modification over and over, once it was approved ( back in XX/XX/2020 ) I successfully completed the XXXX month trial period. And then they changed their mind in XXXX. I'm at my wits end right now. I feel like they are taking advantage of me and I need help. 
They are threatening me with foreclosure, or a short sale. XXXX woman even said that someone could show up and ask for the keys.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX Report shows this account was opened XX/XX/2023, it has been opened for 2 months, the account status is open,, the responsibility is as individual and the amount owed is {$300.00}. 

This account states that the original creditor name is : XXXX XXXX XXXX 

I have no knowledge of this account. I have no knowledge of XXXX XXXX XXXX. I have no knowledge of XXXX XXXX XXXX 
Remove this account from my credit report at once. I have never in my life heard of, nor done business with any of these companies.
Product: Mortgage

I paid off my mortgage to Roundpoint Mortgage on XX/XX/2021, which is confirmed by a letter I received from them with that date. The company owes me a refund of over {$3000.00} from the escrow account they held. 

My understanding is Roundpoint, by law, has 20 business days to submit a refund to me. This has not happened. 

On XX/XX/XXXX, I called Roundpoint to inquire about the status of my refund. The customer service representative I spoke to said that, according to their records, a check was cut on XX/XX/XXXX and was mailed out via USPS on XX/XX/XXXX. And they blamed my not receiving the check on the USPS. 

On XX/XX/XXXX, I called again and received the same answer. Not satisfied, I asked to be transferred to a supervisor. I then spoke to XXXX XXXX in the Escalations Resolutions department. She said she usually tells customers to allow 30 days to receive a check in the mail. 

As of today 's date, that check has still not arrived. 

And, doing a search on reviews of Roundpoint Mortgage, I see the company has nothing but complaints and a star rating of 1.5. 

I am not the only consumer whose funds have been, and are being, held hostage by this company. 

I'm happy to provide you with any information you require, like the loan number, or whatever, if you are able to look into this for me and help me resolve my problem. 

More importantly, I think the world needs to know that Roundpoint Mortgage is a horrible financial institution and a lawsuit should be filed against them for blatantly breaking the law. 

Let me know if you have any questions or require any additional information. 

Thank you for taking a look into this.
Product: Credit card

19 unauthorized charges in XXXX, Tx and XXXX, Tx were posted to my account on XXXX XX/XX/XXXX. I filed a complaint with USAA while those charges were still pending. USAA made an initial refund of the fraudulent charges while they investigated. A few days later XXXX of the initial refunds were rescinded by USAA claiming the charges were authorized. An example is a place called XXXX XXXX XXXX. Two charges of {$5.00} and {$97.00} were made. USAA says the {$5.00} was fraudulent while the {$97.00} was authorized. Makes no sense. Time stamps on my account prove I was in XXXX, tx, XXXX Tx and the surrounding area and could not have made those purchases.
Product: Credit reporting or other personal consumer reports

FIRST PROGRESS account number XXXX i was told that this account was verified how was this account verified when it showed incorrect dates and payment amount
Product: Credit reporting or other personal consumer reports

XXXX XXXX Opened XX/XX/XXXX {$430.00} XXXX XXXX XXXX Opened XX/XX/XXXX {$670.00} XXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$2500.00} XXXX XXXX Opened XX/XX/XXXX {$130.00} My information may have been impacted by the XXXX, XXXX and XXXX Data Breach and may have got into the hands of the wrong person Under The Doctrine of Estoppel by silence, Engelhardt V Gravens ( mo ) 281 sw 715, 719, I may p

resume that no proof of the alleged debt, nor therefore any such debt, in facts exists Im calling into place two TITLE 15 US CODES 15 U.S.C. 1681s-2 Which challenges accuracy of the debt In accordance with [ applicable state statute ], which mandates a 15-day period for debt validation, I am requesting that you provide me with the following documentation within 15 days of receiving this letter : 1. Proof that I owe this debt, including a detailed accounting of the original amount, any accrued interest, fees, and any other charges.

2. Copies of any signed agreements or contracts pertaining to the debt. 
XXXX. Evidence that your company has legal standing to collect this debt. 

Please note that failure to provide this information within the stipulated time period will result in my reporting your company to the Consumer Financial Protection Bureau ( CFPB ) and any other relevant regulatory bodies.

In which, they have not given anything thing to proof no break downs or signed agreements THEN ITS REPORTED DIFFERENT ON THREE DIFFERENT BUREAUS I WANT IT TO BE DELETED DUE TO INACCURATE REPORTING Second Title 15 US CODE 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ), I am exercising my right to request that all communication from the debt collector cease immediately. 

Please take the necessary steps to ensure compliance with this federal law and notify the debt collector to stop further contact regarding this matter.

Additionally, I request that you : 1. Investigate and verify the accuracy of the debt reported.

2. Provide confirmation that this matter has been addressed, along with any updates to my credit file reflecting the resolution.

This request serves as official notice. I expect you to act promptly and within the timeframes required by law.

If These items are not deleted I hold each credit bureau responsible and will take legal action on credit and credit bureau for breaking the laws put in place by the Fair Debt Collection Practices Act ( FDCPA ) Additionally, while this matter is under dispute, I am requesting that all collection efforts be immediately ceased, and that no negative information related to this alleged debt be reported to any credit bureaus. Any negative reporting during this period will be considered a violation of my rights under the FDCPA.
Product: Mortgage

On  XXXX   XXXX ,  2016   XXXX   XXXX ,  XXXX  closed on a loan with Bank of America secured by commercial real estate located in  XXXX   XXXX , Colorado.     The Deed of Trust perfecting the lien on this real estate was recorded  XXXX   XXXX ,    2016  at  Reception No.    XXXX .      Loan  was Paid In Full to Bank of America in  XXXX ,  2016 .     C.R.S. st  ates 90 as an acceptable time period to release a lien once obligation has been satisfied.
Eight months later and the lien as NOT been released.
Multiple att  empts, consuming numerous man hours, to work with Bank of America have been made ; up to and including receipt of a copy of the Release of Deed of Trust which as of today 's date has NOT been submitted to the  XXXX   XXXX   Public Trustee.
Product: Debt collection

Today I noticed that I had an account in collections for Rent Recovery Solutions for The XXXX apartment complex in XXXX. I have never lived in XXXX and have been in a house for over 7 years. When I contacted the debt collection agency as well as the apartment complex it was confirmed that the social security numbers did not match and neither did our middle names or license number. I really need this corrected and off of my name.
Product: Credit card

XX/XX/2023 I worked out an arrangement to lower interest rate with Discover Card. 
They had offered me a credit card with hidden rates to go up to 30 % which is why I worked out an annual amount of XXXX for a year. I called and asked them to continue or and they will not. They want to move it up again to 30 % and I Have XXXX credit scores with XXXX XXXX with XXXX and XXXX with XXXX. 

I would like to have someone intervene and assist me with making this arrangement. 
I am ok with closing the account and am not using it. 

thanks for help.
Product: Credit reporting or other personal consumer reports

XXXX {$340.00} I am writing to file a complaint against XXXX XXXX XXXX  and XXXX XXXX XXXX ( CRAs ) Experian, XXXX and XXXX for violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Specifically, these entities have breached the following federal laws : 15 USC 1681b ( 2 ) : Unauthorized access to my credit report. 15 USC 1681s-2 : Furnishing inaccurate information and failing to correct and update information. 15 USC 1681b ( 3 ) : Improper use of consumer reports for adverse actions without proper notification. 15 USC 1681a ( d ) 2 ( A ) ( i ) : Consumer reports do not include information solely about transactions or experiences between the consumer and the person making the report. Late payments and utilizations are considered transactions and experiences and should be deleted. Additionally, charge-off accounts should be excluded from my consumer report pursuant to IRS rules and guidelines, as they are considered ordinary income and income is not reported on consumer reports. These violations have negatively impacted my creditworthiness and financial stability. I urge the CFPB to investigate these infractions and ensure compliance with federal laws to protect consumers like myself. Additionally, credit scoring models like XXXX and XXXX are proprietary tools and algorithms used by lenders to assess creditworthiness and determine credit terms, but they are not factors outlined in the consumer report or governed by federal consumer protection laws, which take precedence over individual bank guidelines. I rely on the CFPB to enforce federal consumer protection laws and regulations ensuring the credit reporting practices, including those used by lenders adhere to established guidelines and do not override the protections afforded to consumers under federal law.
Product: Credit reporting or other personal consumer reports

I have a few inaccurate accounts that needs to be updated and deleted see attachment documents below
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I viewed my credit report and noticed that there are fraudulent accounts. This was not sent in error. I am consumer by law and my information was misused. Unauthorized use of my credit report, identity theft. Here are the details of the said inaccurate accounts, company name, balance & date last reported : XXXX XXXX XXXX XXXX/ {$1100.00} / XX/XX/2021
Product: Credit reporting or other personal consumer reports

I'm sending this complaint to have several unauthorized hard credit inquiries removed from my credit report. I have received a copy of my credit report from your bureau and noticed that there are unauthorized inquiries listed. The unauthorized inquiries are listed below. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A student load was opened in my name fraudulently, I have never even applied for a student loan.