23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I was not informed that our loan had been transferred and I received nothing from the new servicer Roundpoint telling me that they would be servicing my loan or where to send payment. I had sent my XXXX payment to XXXX XXXX as usual on XX/XX/2020. The check was returned to me some time later, with an explanation that they no longer serviced our loan. When I finally spoke to someone helpful at XXXX, they informed me over the phone that my loan had been transferred and they were no longer my loan company. I received nothing in writing. I asked why my payment had not been forwarded to Roundpoint, and was told that the policy is to return the payment to the former client. 
I then contacted Roundpoint and asked for something in writing stating that they were our new loan servicer as nothing was sent to me either before or after my request for some proof of the loan transfer. I also asked for something stating to where the payment was to be sent and what was our loan number or any documentation to attach to the payment. I was not provided anything after 4 calls to Roundpoint. 
Roundpoint finally did send something in writing, a form document dated XX/XX/2020 Offering free Homeowner Assistance Consultation and multi-page documents for delinquent payers. This document had our new Loan Number and their address at least and I sent them 2 payments as they were indicating I was delinquent, when in fact I had paid on time to my then loan company XXXX. 
Without doubt, this has been an exasperating and disappointing experience. I was not informed my loan was sold, was not given instructions for payment and Roundpoint refused to send any loan payment instructions. In speaking with them over the phone I discovered that they didnt even have our mailing address. Our mailing address is XXXX XXXX XXXX. Our physical address XXXX XXXX XXXX is not a mailing address per the USPS and mail is not delivered to XXXX XXXX  XXXX. Our previous loan servicer had our correct mailing address. 
I pay my debts in a timely fashion and I find it almost incomprehensible that the poor business and customer service practices of Roundpoint Mortgage have adversely affected my good credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

This matter has been on going since XX/XX/2021. I was a co-signer with my mother on her Nissan Loan through Nissan XXXX XXXX. It was during pandemic when mail was not coming on time, and XXXX bills were not received by my mother. The bill for XXXX and XXXX. I was NEVER alerted, as a co-signer on a loan, of the issue ( the company has my cell phone number, work number, place of work, address, email, etc ). I was never notified and I found out though an alert on my credit monitoring app- it was the weekend and I had to wait until the following business day. When I called the first time- the representative refused to give me any information and stated if I was not the primary loan holder I did not have the access to the account- I asked for a supervisor, but was instead disconnected. I called back and received a different representative who told me the account was in good standing, all payments had been made and that I can dispute the report with a different department or the XXXX credit bureaus. I tried to dispute the late payments- because I was never informed of them as a co-signer ; however, the credit bureaus took the position of the financial institution. I do not believe it to accurate or appropriate for Nissan XXXX to hurt my credit report with late payments when I was never notified of them as a co-signer. I did not receive any type of communication of the late payments. If you look at my credit history I have NEVER in my life had any late payments. I have multiple mortgages, multiple car loans, many credit cards, and other miscellaneous loans/credits. Nissan XXXX should not have the right to damage my credit report without notifying me of the issue first to have the issue resolved. I want an investigation as to why I, the co-signer of the loan, was never made aware of the late payments ; I want the late payments removed off of my credit report ; and I want CFPB to protect future customers of Nissan XXXX not to be swindled by the institution.
Product: Credit reporting, credit repair services, or other personal consumer reports

You are in Direct Violation of The Fair Credit Reporting Act [ Account Name & Number # }, has violated several of my rights. 

15 U.S.C1681 section 602 A. Clearly states that 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 an account without my written instuctions 15 U.S.C. 1666B ; A creditor may not treat a payment on a credit card account under a open- end consumer credit plan as late for any purpose.

Remove these late payments and update all theses accounts immediately as you are in direct violation of several laws under The Fair Credit Reporting Act }
Product: Money transfer, virtual currency, or money service

On XX/XX/year> after making three initial deposits of {$1700.00} ... {$600.00} ... and {$500.00} from my debit card that was linked to my Robinhood account, Robinhood Market Inc sent me an email stating that my account would be temporarily restricted due to unusual activity. I was able to speak with a representative who advised me to verify my identification through a link sent to my email and I responded and asked her if it was okay to complete the process while she waited on the line. I included my driver license front and back, my pdf bank statement which showed several transactions for the month of XXXX including my same debit card with transactions from previous purchases with the last XXXX digits visible. She ensured me that she could and walked through the process and acknowledged that all verification was received and completed at this time. The representative also stated she did recognize the debit card transactions as being the same card on my account. I responded by asking if she needed a visual of the card with my full name on it in which she declined. On XX/XX/year> I attempted to withdraw my funds back to the same debit card in the amount of XXXX with a transfer fee of XXXX as it was unsuccessful, XXXX emailed me stating the account would be closing. Since the email I have been unable to speak with a rep directly. I have been receiving several generated automated messaged requesting the same documents with no resolution or no efforts to allow me to withdraw my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

i reached out to XXXX AND TRANSUNION ABOUT THESE COLLECTION ACCOUNT THAT DOESNT BELONG TO ME AND THEY ARE STILL ON MY CREDIT REPORT AND ALSO THE FRAUDULENT INQUIRIES I WANT THEM REMOVED ASAP
Product: Credit reporting, credit repair services, or other personal consumer reports

Following up on contents received as a result of CFPB complaint XXXX. I am a victim of identity theft. XXXX XXXX XXXX, Experian, and XXXX had no consent to report this alleged account. The alleged lease agreement does not permit sharing my information with the third parties. And I never consented to share any information. 
The account cant be verified due to an inaccurate and incomplete itemized account statement. How was this verified? Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B. I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate and what method was used to verify accuracy every time I disputed this account? 
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any of their results, further damaging my credit score and financial reputation. XXXX deleted this fraudulent account months ago but experian and XXXX refuse to perform a INVESTIGATION! I am concerned that Experian, XXXX, and XXXX are coercing me to pay a fraudulent debt by refusing to perform a reasonable investigation. This company also violated 15 USC 1681 ( b ) Permissible purposes of consumer report, I never gave this company XXXX written consent to report this alleged account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX account was opened 100 % fraudulently by somebody else that had stole my identification card! 
I had my taxes from the IRS stolen XXXX years in a row, and I had put a personal protection pin for my tax return, and when I return to my XXXX XXXX  to check my tax information, and my credit score I found inaccurate fraud accounts opened up in my name that I would like removed please! 

A suspect has used my good credit, and squandered it by opening up fraudulent accounts that I would like taken off please!
Product: Credit reporting or other personal consumer reports

I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : 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 XXXXXX/XX/XXXX Late Payment XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection/Charge Off : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Information : Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Employers : XXXX XXXX Employers : XXXX XXXX XXXX Also Known As : XXXX XXXX
Product: Vehicle loan or lease

National Credit Center is in parnetship with XXXX XXXX XXXX XXXX I would like NCC to answer me and the Consumer Financial Protection Bureau what The National Credit Center is agreeing with XXXX XXXX XXXX XXXXf XXXX with? That is on page XXXX, as it states on page XXXX under XXXX XXXX  If appliable to transaction, to help the government XXXX XXXX and XXXX XXXX activities, Federal Law requires financial institutions to obtain, verify and record information that identifies each person who opens and account. Please explain exactly what is being said in very descriptive Essay to The Consumer Financial Protection Bureau and myself, XXXX XXXX XXXX? Furthermore under XXXX Notices it says, What this means for you is when is that you will be ask your name address, birth date to identify you, You may also be asked your driver 's license? That does not even come close to explain what the top half of the paragraph meant. Why the confusion and delusion? On Document labeled attachment XXXX  XXXX XXXX states I ask for the interest rate after he went over different options. Now wouldnt I have asked for the rate at the first option? 
XXXX XXXX 9.5 % APR for a XXXX loan at my exception credit ( credit bureau summary attached His he, are even you guys out of your mine? 
Third point why did it take all day ( approximately XXXX minutes ) to get down to 6.39 %? 6.39 % should have been the first and only option. 
Fourth point, on page XXXX how did XXXX XXXX get my XXXX XXXX number? I did not give it to him. I do not carry my XXXX XXXX card in my pocket. I have not needed it in years and years. 
XXXX XXXX, what does XXXX XXXX mean by they can not comment on explicit or implicit comments made by customer and dealer. I never said anybody said anything verbally. Now obviously XXXX XXXX XXXX XXXX XXXXXXXX reported to XXXX XXXX that either customer and or dealership said something explicit verbally and I want to know what was said to XXXX XXXX by XXXX XXXX XXXX XXXX  XXXX in their last Consumer Financial Protection Bureau report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called said company : Experian on in XX/XX/2022 3 times and XX/XX/2022 3 times and have never been able to be transferred to a live agent to discuss the inaccurate credit score. 
When called I am transferred, and the call is ended due to the face there is not a option to speak to an actual person at the company. The only time I was able to speak to a person they transferred me and then the call is ended.
Product: Money transfer, virtual currency, or money service

XXXX ( XXXX ) sent me a check ( {$4300.00} ) at XX/XX/2021. 
According to XXXX record after 2 years of investigation, Bank of America was XXXX  ( XXXX XXXX XXXXXXXX XXXX ) on XX/XX/2021. 
I have never had Bank of America account. 
I need information how the check payable to me was handled at Bank of America as XXXX.
Product: Credit card or prepaid card

We closed our Capital One account a few months ago after the general public learned they had been hacked. The company had no problem doing this. For the past couple of months we have been unable to access our account online but Capital One is still taking money from our checking account on a monthly basis since we did set up auto pay. The last payment was withdrawn on XX/XX/2020. We did not receive either a statement or a notice that the payment was made. We called Cap One today XX/XX/XXXX-20 beginning at XXXX and after being transferred 3 times and almost 2 hours later we were cut off and no resolution to our problem took place. 
Our first call ( after a 10 minute wait ) was answered by XXXX who stated she could only do verifications and transferred us to another person ( after a 20 minute wait ) named XXXX or XXXX or something like that. She had a heavy accent. After several times trying to understand our problem she said she couldn't help because the account is closed and we were transferred to another place. After a 1 hour hold we were cut off without speaking to anyone. 
We are frustrated and feel ripped off that we are not able to see our account but yet they are taking our money. 
We aren't sure if Capital One is practicing fraud, deception or just plain bad business but we want online access and out of this card completely.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a collections account opened at XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$3300.00} that appears related to the personal loan account opened at XXXX XXXX XXXX XXXX, as well as a closed charged-off account opened at Credit First on XX/XX/XXXX with a balance of {$0.00}. These accounts have resulted in fraudulent collection and charge offs appearing on my consumer FICO credit report. I do not recognize the aforementioned collections as reported. The aforementioned collection appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. The aforementioned collection are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that all of the aforementioned collection are the result of identity theft and fraud.
Product: Credit card

Years ago an old boyfriend put my name on his Discover credit card. I have never used his card or paid his bill or received a statement. He has recently filed a bankruptcy. He has contacted me because on his email billing statement they have removed his name and put mine. When he called them, they told him, " I opened the acct and put him as a signer and then telling him I called and had his name removed '', and then they wo n't talk to him saying it 's my acct. When I called them demanding they send me proof of where I signed to be responsible for his debt, they dodge the question, demand payment and refuse to send me this written proof. Can they really make me responsible for his debt? I am worried they are adversely affecting my credit score. Please help.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : LVNV Funding LLC Address : XXXX XXXX XXXX XXXX, SC XXXX Account XXXX Your NAME : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Peachtree Corners, GA XXXX Dear LVNV Funding LLC I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : 1. The name and address of the original creditor and the current creditor.

2. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed.

3. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor.

4. Proof that the original creditor securitized the debt.

5. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor.

Please cease and desist from collecting on this debt until you have provided validation of the debt.

Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt.

Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so.

Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency duplicated an account with XXXX XXXX XXXX and then refused to remove it. Attached is a copy of the FTC report
Product: Credit reporting or other personal consumer reports

Account Info Account Name XXXX XXXX XXXX Account Number XXXXXXXX XXXX Account Type Auto Loan Responsibility Individual Date Opened XX/XX/XXXX Status Paid in settlement. {$18000.00} written off. 
Status Updated XX/XX/XXXX This reporting Information Is Inaccurate : the remaining balance after GAP coverage was XXXX as reported on the settlement offer agreement with XXXX the account was settled for XXXX XXXX
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH State of Ohio I, XXXX XXXX XXXX, being of sound mind and legal age, do hereby swear under penalty of perjury that the following statements are true and correct to the best of my knowledge and belief : 1. Personal Information : My name is XXXX XXXX XXXX. I reside at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX and my Social Security Number is XXXX. I have lived at this address from XX/XX/XXXX. 

2. Credit Report Dispute : I am writing to dispute the accuracy of certain information that appears on my credit report, which was obtained from XXXX, XXXX XXXX Transunion XXXX XX/XX/XXXX. 

3. Inaccurate Information : The following items on my credit report are inaccurate or erroneous XXXX XXXX XXXX Account # XXXX Dispute Reason : Late Payment reported wrong on my report and its hurting my report. 

4. Supporting Documents : I have attached copies of the following documents to support my dispute : Pic of report of the account, SSN, ID I respectfully request that XXXX, XXXX, Transunion conduct an investigation into these matters and correct or remove the inaccurate information from my credit report as required by the Fair Credit Reporting Act ( FCRA ). 

6. Declaration : I declare under penalty of perjury under the laws of the State of Ohio that the foregoing is true
Product: Mortgage

Good morning. As per prior messages to your team, XXXX XXXX is in contempt of automatic orders for failing to continue making mortgage payments, transferring marital and mortgage funds from his XXXX  account to a partner in XXXX, and using the mortgage funds to pay his attorney ( XXXX XXXX ), after commencement of index XXXX, in XXXX  court . Both have committed perjury in court by making misstatements about XXXX XXXX financial condition on the XXXX, and for refusing to respond to a divorce settlement offer and a buy out offer of the home ( XXXX XXXX XXXX, XXXX, MA ), since 2017 in court. Index number is XXXX, in XXXX  court . 
We received the attached letter with unexpected fees and a threat to foreclose on the home in XXXX, by Nationstar. I am requesting legal representation. 
We have paid another {$5000.00} to Attorney XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX. 
XXXX XXXX XXXX - XXXX XXXX XXXX XXXX XXXX  MA XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXX And he is not able to help to stop the foreclosure.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive submitted disputes to the credit bureaus and nothing happened and I didn't receive any notifications or changes or anything and its been well over 30days