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

XXXX XXXX XXXX XXXXn XX/XX/XXXX XXXX, and after that date until XXXX XXXX an unknown XXXX XXXX got hold of my credit and debit cards while I was in XXXX XXXX and illegally used them. I found out ID Theft was done to me when fully released from XXXX XXXX  on XX/XX/XXXX. I was called by debt collectors of my credit card accounts that had been used when in XXXX and started police case on XX/XX/XXXX. I started disputes with XXXX XXXX XXXX debt agency and 2 cases were closed. However, on my credit report some accounts make me look delinquent because unknown XXXX XXXX had used my credit cards after I had gotten XXXX  making it look like if I had authorized him/her to do so. I contacted a consumer 's affair attorney who gave me your link to start a complaint while waiting for my police report.
Product: Mortgage

The County sent out a tax bill for my condo in XXXX of 2016 ( approximately {$4000.00} ) prior to reviewing and approving my application to be taxed at the homestead rate. I received a new updated tax bill in late XXXX or early XXXX and provided it my mortgage servicer Roundpoint Mortgage Servicing. I spoke to them on the phone and they informed me that a new escrow analysis would be conducted and that I would receive a refund for the shortage I was charged after the tax bill was received. I called again in late XXXX and was informed that the escrow analysis would be completed on XXXX XXXX. I logged in online and saw no change to my escrow analysis. I called again on XXXX XXXX and they informed me that it should show up online that day. It is now XXXX XXXX and the escrow analysis has still not been completed. I called Roundpoint today and they informed me that it says in their system it should have been completed but they are going to expedite request and it should be processed in 24-72 hours but then I would need to allow another 3-5 business days for the escrow analysis to be completed. I find it funny that they were so quick to perform a new analysis when they received the incorrect and higher tax bill, but at this stage I can not get an answer as to when I will receive a refund of my overpayments and my future payments are reduced to reflect my actual property taxes and insurance. I do n't trust Roundpoint anymore to provide me with accurate information and I would like to receive my refund.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me 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 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 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 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 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

A purchase was made on the card, and the item was returned. XXXX did not process the credit to the account, then charged me multiple late fees. When we called them to correct the issue, they issued a credit for the item, but kept the late fees on the account, then proceeded to add additional late fees when a payment was not made. There was no additional balance on the credit card, so no payment was due.
Product: Debt collection

This amount was charged off I 'm harrased over this debt I need it deleted or else I will sue the company a XXXX charge them a fee of XXXX XXXX dollars a day for holding my info. I have no contract with them what so ever and they are holding my information which is considered identity theft. Will also contact FTC, Attorney GENERAL and BBB. 
False and Misleading statements
Product: Student loan

Firstmark student loan servicer has taken over for XXXX XXXX as the servicer for my private student loans. Under XXXX XXXX I had one monthly payment I paid early, more than the amount due and never had an issue. 

Since Firstmark has taken over in XX/XX/2021 they have misapplied my payment EVERY month requiring MULTIPLE PHONE CALLS AND EMAILS to have a payment paid in full and usually 2 weeks early. They show part of my account as past due and apply my payment only to partial sections of the total loan balance. 

This month XXXX the LOST my payment. When I called with my bank information giving proof of dates and proof that the transfer had been received by firstmark their representative told me that First mark " lost multiple XXXX  XXXX  customer payments this month '' the payments were misapplied. 

I have looked to refinance this loan however the only other available lenders all uses this awful servicer as well
Product: Credit reporting or other personal consumer reports

Fraud on my account.i never gave written consent to furnish my information or obtainmy information -according to 15 USC 1681, thus is most definitelyagainst the law
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX a credit card was put in my name with capital one 5 days after I turned XXXX and I knew nothing about it until this year when I was trying to apply for an apartment it came up on my credit. The address and last name on the account is wrong including the phone number. I found out that it ended up being my sister who did this and now I cant get my first apartment and im XXXX XXXX XXXX. Ive never had anything in my name and im just trying to succeed with my son this is XXXX XXXX XXXX  and this situation is hindering me from getting my apartment that I really need.
Product: Money transfers

My son was talking to this man, XXXX XXXX XXXX, on the internet who was claiming to sell sneakers on the internet. He had a XXXX profile and group. My son and him established a relationship. The man had people send money to my son 's XXXX account, so then when my son had this money in his account that was n't his, the man asked him to transfer him the money via Money Gram and because the money was not my son 's we transferred the money on XXXX/XXXX/16. He asked for it to be sent to his alleged finance XXXX XXXX. Her information will also be included. This man was exposed on Friday, XXXX/XXXX/16, as being one of the biggest sneaker internet sales scammer. The XXXX people that sent my son money have or will charge him back on his XXXX Account. I 'm working with XXXX, and I will contact Money Gram during their open business hours to report all of the contact information we have on this scammer.
Product: Consumer Loan

I have had this AVANT account since XX/XX/XXXX. The terms have changed several times and out of XXXX paid, only XXXX has beeb paid towards interest. 

I made a settlement with AVANT and paid it XX/XX/XXXX. i paid {$500.00} to settle the account. I received a settlement confirmation and close of account letter from AVANT. I am still receiving statements and bills from AVANT.
Product: Checking or savings account

XX/XX/XXXX I made a transfer from XXXX to Checking accts for {$25.00} with a memo for XXXX. 
XX/XX/XXXX ( as per an Alert Email from my Wells Fargo account ) An unauthorized debit card XXXX transaction was made by XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XX/XX/XXXX A Wells Fargo online representatives was advised of the unauthorized transaction and recommended that I replace the current XXXX debit card with a new one and I agreed. 
I then proceeded to contact the XXXXXXXX XXXX XXXXXXXX and was advised to " call back and speak with the Manager-XXXX. '' I called back XXXX XXXX XXXX. and spoke with XXXX XXXX about the transaction for {$17.00} and could she check her system? She asked me to " call her back in XXXX minutes. '' When I called back, she advised me that there was no transaction in her system for {$17.00} on XX/XX/XXXX. 
XX/XX/XXXX I called Wells Fargo again and spoke with XXXX XXXX. 
I explained that I called XX/XX/XXXX and needed to know if a new card was issued and can she check on the unauthorized transaction. 
XXXX XXXX checked and tried to convince me that according my account for XXXX on her screen, the Merchant may have been late in collecting their money from XX/XX/XXXX 's transaction. 
I advised her that the XXXX day time period isn't accurate because XXXX XXXX 's time frame on accounts is usually from XXXX days and not an entire 30 days. XXXX XXXX indicated that perhaps " I forgot my transaction on XX/XX/XXXX and did I remember being at the XXXX on XX/XX/XXXX? '' I advised XXXX XXXX that I didn't remember because I didn't have my bank statement in front of me to confirm her allegations. 
XX/XX/XXXX I received XXXX letters from the Wells Fargo Claims Assistance Center Dated XX/XX/XXXX indicating that they provisionally credited my account for {$17.00} on XX/XX/XXXX. 
The second letter also dated XX/XX/XXXX indicated that " we have completed our research into the transactions listed below and found they were authorized or that a processing error did not occur. As a result, on XX/XX/XXXX we will deduct the provisional credit of {$17.00} previously provided to you. '' XX/XX/XXXX I met with my banker, XXXX XXXX at Wells Fargo regarding the letters of XX/XX/XXXX. I explained that after talking to XXXX XXXX, I retrieved my online bank statement for XXXX and saw that XX/XX/XXXX was an account-to-account transfer for {$25.00} with a Memo of Laundry. 
The word " Laundry '' in my memo is the error caused on Wells Fargo 's Representative XXXX 's behalf because she immediately assumed the transfer was to repay XXXX XXXX for their " unauthorized transaction on my XXXX debit card for XX/XX/XXXX. '' Therefore causing a misrepresentation of " Authorized on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$17.00} '' I want Wells Fargo to reimburse my {$17.00} to my account and I want the corrections made to my XXXX bank statement corrected. 
I want XXXX XXXX XXXX to reimburse Wells Fargo for their wrong doing and penalized for illegal practices to their customer-accounts. I don't want anymore of their customers to be penalized by their banks for unauthorized transactions.
Product: Debt collection

I do not owe this debt. 
I communicated this numerous times to all parties.
Product: Credit card or prepaid card

I am a law abiding small business owner. Who is a proud supporter of our constitutional rights, these freedoms granted to us help our nation flourish. As a business owner I pay my fair share of taxes and it wasn't long ago that this bank got a bail out. I am extremely upset with they're new policy restricting me from buying guns with my credit card. Most stores don't like checks or XXXX dollar bills so what am I supposed to do as a consumer who wants to purchase these products? I feel this new rule is illegal and unconstitutional and I would like this decision to be reversed.
Product: Credit reporting, credit repair services, or other personal consumer reports

A medical bill that my insurance company took care of is still appearing on my credit report as a collection account when I initially made my doctor visit the lady at the front desk assured me that their facility was indeed in my insurance network she took my insurance and sent me to se the doctor six months later I recieved a bill to cover the charges I then reached out to my insurance and the problem was rectified. Now the debt was sold to a collection company who is now reporting this information damaging my credit and ruining my financial life.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I submitted a request for Lexis Nexis Credit Reporting Agency to freeze/cease providing any Consumer Reports they are sharing with any Person or Company. This action was not complied with and actions are still being done without my written consent or other permission. 

In accordance with the Credit Reporting Act my rights were violated.

15 U.S.C. 1681 Section 602A states I have the right to privacy.

15 U.S.C. 1681 Section 604 Section 2 it also states a Consumer Reporting Agency can not furnish an account without my written instructions.
Product: Debt collection

Debt collector XXXX XXXX card debt to be collateral after purchase from Credit Card service
Product: Credit reporting 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. 


I told Experian, XXXX, and XXXX to reinvestigate these accounts : : # 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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 knows or has reasonable cause to believe that the information is inaccurate.
Product: Checking or savings account

XXXX XXXX XXXX ( XXXX XXXX XXXX, USA ) was recently taken over by Sterling bank and they are now going to charge XXXX $ a month for mailing paper bank statements. 

This is my mother 's bank account. She is over XXXX and has had a XXXX. She doesn't have email, nor can I teach her how to appropriately deal with the electronic records. 

Physically changing banks is hard for her due to mobility issues - she has been banking there for 50 years and it is close to her. 

I am sure a " reasonable '' fee may be charged, but this doesn't seem like a " reasonable '' fee to me. 

We tried talking to the bank but they don't care - she doesn't really have a large account
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXXXXXX XXXX XXXX  Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; DEPT OF ED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX Balance : {$4600.00} ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX ; XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my SEVERAL REQUEST that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ; XXXX XXXX  XXXX XXXX XXXX XXXX XXXX TX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AE XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX  XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$350.00} ; XXXX XXXX XXXX XXXX Balance : {$1600.00} ; XXXX XXXX XXXX Balance : {$3900.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXX XXXXXXXX Balance : {$170.00} ; XXXX XXXX XXXXXXXX Balance : {$200.00} ; XXXX XXXX XXXX Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Bank account or service

I send a domestic wire transfer from my CapitalOne Bank account to my friend who has an account in XXXX. The XXXX got returned because the account number provided by my friend was closed ( error on my side ). I send a wire for {$1700.00} but the wire got returned for {$1700.00} i.e. {$45.00} were deducted from original amount for some sort of return fee. In addition there was a {$25.00} fee charged to my account for sending the original wire and a {$15.00} fee was charged for incoming wire. I tried to explain my bank that this was unfair as i should not be charged for return wire as well as original wire + incoming wire as this is same transaction that was returned. It Seems outrageous to get charged {$85.00} XXXX XXXX ) penalty for return wire in my own account. I would have been ok if there was a nominal fee charged for my error ( giving wrong account number ) but getting charged 1750 % XXXX interest rate ) for a penalty seems far outrageous
Product: Credit card

Examine the attached documents. I request the bureau to initiate an investigation into these accounts, which I am never late for, but they are being reported as late.
Product: Credit reporting, credit repair services, or other personal consumer reports

Since XXXX I have sent multiple requests via email to XXXX and via mail to TransUnion Consumer Solutions XXXX. XXXX XXXX XXXX, PA XXXX regading fraudulent reporting of my name. 

They still will not update this erroneous information. 

On XX/XX/XXXX at XXXX I called Transunion at XXXX & spoke to XXXX who advised that she could not update my personal information to remove fraudulent info because the system was down
Product: Credit reporting or other personal consumer reports

Reporting information on a consumer credit report without their written consent is identity theft. I did not give anyone written or verbal permission for them to place such information on my consumer report because my privacy rights have been violated i am demanding the company block and remove the inquiries consumer report not later than 4 business days after such information i provided inquires XXXXXXXX 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 disputed the information from my report because it dose n't belong to me over 3 times and still haven't gotten a response from the company. I want this account removed ASAP.
Product: Credit reporting or other personal consumer reports

I received a Walmart MasterCard credit card in the mail which I never applied for.
Product: Credit reporting, credit repair services, or other personal consumer reports

My loans were paid off completely by XXXX of XXXX. On XX/XX/XXXX I called XXXX inquiring about my qualifications for receiving the student loan reimbursement that I understood I could qualify to receive after the Biden-Harris administration announced the Loan Forgiveness. I had completely paid off my loans during COVID-19 pandemic and for this reason, and given that I received a Pell Grant in the past, the person I spoke to on the phone stated that when verified, the aforementioned would qualify me for this refund. The person never counseled me on the fact that to receive this refund, that would mean completely reopening 19 loan accounts in my name and report them to the credit bureau. She only very casually mentioned that I could see a balance in my account but to not be worried about it because this was part of the refund. 
Months later I get a random deposit of XXXX from the Department of Education and when I call them, I find out I owe XXXX on my student loans and that money is for me to pay it back. This is completely nonsensical as I did not owe a single cent. I have been blindsided and now my credit reports shows a sudden opening of loan accounts and my car insurance has raised my car insurance because of this. I will take the necessary action to get the accountability from XXXX as it is my consumer right to be informed of something that will be opened in my name and reported to a credit bureau Pertinent Dates : XXXX XXXX-ALL student loans fully paid off XXXXSpoke to XXXX  rep regarding student loan refund XXXX -- XXXX Received XXXX from Department of Education without any written notice explaining what money was for a XX/XX/XXXX -- XXXX Spoke to XXXX rep who disclosed they had in fact reopened my loan accounts. Realized at that point that I was misinformed by them and that they had without my consent reopened my loans XX/XX/XXXX -- > XXXX XXXX sends me a letter letting me know I no longer qualify for my previous rate based on Credit Reports XX/XX/XXXX -- XXXX Sent XXXX XXXX a request to see what they had reported to XXXX XXXX that affected my Car Insurance XXXX -- XXXX realized there are 19 new loan accounts opened in my name by XXXX