23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Account number XXXX his is for Barclays master ring credit card department In accordance with the fair credit reporting act XXXXt has violated my rights. 15 USC 1681 Section 602 States I have the right to Privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 Use 1666B : A creditor may not treat a payment on a credit card account unlearn open end consumer credit plan as late for and purpose. Please fix to show no late payments since this was your fault for understaff during covid 19 and could not accommodate pay by phone within 24 hours. all 3 credit agencies have all different reporting data on late months. please correct to show no late payments ever occurred. see screen shots from my attorney.
Product: Mortgage

Its a crime and SLS robbing me. I am requesting SLS referred to department for criminal complaint. 
SLS applying more than the amount of property tax bill and robbing again and again for financial mismanagement of payments. 
For XXXX property tax is {$3300.00} divide 12 months is {$270.00}. 
7 I have been charged {$2700.00} for 3 months while payment should have been billed {$830.00} I have been charged for close 9 months property tax while as we are still XXXX or third month of the year. 
For 4 months I have been charged total of {$1.00}, XXXX ( XXXX x XXXX ) For 3 months I have charged total of {$1000.00} ( XXXX x XXXX ) STATEMENT DATED XX/XX/XXXX. 
Four payments of {$420.00} OF ESCROW AND IS WHAT PART FOR AND PROVIDE COUNTY TAX BILLS. I HAVE BEEN BILLED FOR 4 MONTHS {$420.00} TOTAL OF {$1700.00} how did SLS came up with figure? 
Three payments of {$350.00} OF ESCROW IS WHAT FOR PROVIDE FULL BRAKE DOWN OR ITEMIZED BILLS WITH COUNTY TAX BILL HOW DID SLS CAME UP WITH THIS FIGURE. 
According SSLS when the loan was transferred on XX/XX/XXXX payment was due from XX/XX/XXXX which means total of 43 payments. At that time my payment was P/I ONLY OF {$920.00} X XXXX = {$38000.00} OF {$60.00}, XXXX {$21000.00} has been stolen. This should refer by be law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Of the {$60000.00} {$17000.00} payment applied and from 1 and 2 contradicting this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Of the {$7800.00} payment applied {$2700.00} for 9 months and it should be 3 months only and over billing me this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
I have been robbed close {$50000.00} I made request in complaint for refund in prior complaint this he been and denied this should be referred to law enforcement for criminal investigation such as FBI, DOJ for financial management. 
Response to CFPB complaint dated XX/XX/XXXX states SLS paid {$720.00} to XXXX for home insurance for no reason. XXXX XXXXXXXX XXXX informed SLS I was paying my insurance and SLS should be paying insurance. I have paid my own insurance. My insurance form XXXXXXXX no payment has been made so SLS should referred to DOJ, FBI and law enforcement for criminal investigation. 
SLS does not payment or any other any other form confirmation from insurance company. SLS and every other mortgage needs declaration page of the insurance. When it to my attention around XX/XX/XXXX I provide declaration cover page. Confirmation form SLS is attached. 
CEO of SLS should get arrested.
Product: Mortgage

I would like to request the assistance with an issue I have with Round Point Mortgage Service which is servicing my XXXX backed home loan. In XXXX I refinanced my XXXX Home Loan with XXXX which then handed the loan off to XXXX and now Round Point Mortgage Service. Due to a unrelated issue in XXXX I filed Chapter XXXX Bankruptcy due to a divorce however, I did not file against my home and continued to pay monthly mortgage payments as scheduled. I went through the Chapter XXXX repaying all unsecured creditors and satisfied all of the US Bankruptcy Court requirements. The issue came after I completed the Bankruptcy. I contacted Round Point Mortgage Service in reference to my mortgage which took several weeks to get Round Point to remove me from Bankruptcy status at which time they claimed I was 4 months behind on my payments from the beginning of XXXX. I then received a certified letter from Round Point stating that if I did not pay the four months of payments by XXXX XXXX they would began foreclosure procedures. I have contacted Round Point numerous times in attempt to resolve this issue. I have sent them 26 months of Credit Union Statement, Payment History 's from previous mortgage services companies and court documents. My attorney has sent signed documents from XXXX XXXX attorney certifying my mortgage is in good standing. Round Point has still failed to resolve this issue, they have lied about speaking to my attorney and give a different excuse each time I speak to them. I am seriously concerned about losing my home, my federal employment and XXXX benefits due to this issue. I am in hope you can offer assist to me in getting a resolution to this issue I can provide all of my supporting documentation to support fact that I am " NOT '' in default on my mortgage.
Product: Credit reporting or other personal consumer reports

This is NOT A DISPUTE, but I believe the information being reported to be inaccurate. 
XXXX XXXX Balance Owed : {$0.00}
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to propony investigate my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding. ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Credit card or prepaid card

I did not receive my Social Security payment for XXXX and XX/XX/2020. 

Social Security Administration said they sent the payment to Direct Express. 

Direct Express said they did not get any from Social Security. 

Both are ping-pong me back to each other.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX, PENTAGON FCU, and XXXX XXXX. I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX, PENTAGON FCU, and XXXX XXXX  with no successful resolution. There was definitely an error on their part.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received emails with personal loan offers that clearly stipulated that finding out my " rates '' WILL NOT affect my credit score as it won't be a hard inquiry. If I decide to go through with the application and select a loan product, then that's when the hard inquiry will occur. Well come to find out, they accessed my credit report ( hard inquiry ) without my concern, especially since I didn't select any of their personal loan offers given the sky high interest rates. I'm shocked to find that they have pulled my credit, and used it in ways I NEVER consented to. This includes XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX, MidFlorida, XXXX  XXXX.
Product: Debt collection

Alltran sent me a debt collection notice yet I do not owe the debt. I have asked them to provide both verification and validation ( attached letter ) and not response has been received which leads me to believe that they do not have any supporting documentation in the form of a original agreement.
Product: Student loan

I refinanced a student loan and the amount paid to the old lender I used was more than the balance I owed. I called and ask about a refund and was told that I would receive a check. Two weeks later I called and no check had been issued but they promised that it would be made the following Monday and mailed to me. I asked why it took so long for them to issue a refund and could not get a response from the customer service person or the supervisor.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The XXXX credit bureaus are required to authenticate these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable items below and update or remove them immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XX/XX/2020 sum of {$2900.00} was sent from USA to XXXX through Western Union online service. 
No transfer fee was charged for the {$2900.00} sent at XXXX XXXX XXXX to a dollar. 
The {$2900.00} was deducted from my back account instantly accordingly. 

By Monday XX/XX/2020 when the receiver did not get the money, I checked my western union online account and confirmed the money is " In progress '' at Western Union end. I was informed by western Union that the money transfer did not go through and that the money would be cancelled and refunded. Was assured that the refund would enter my bank account between 3-5 days. 

I have not seen the refund, my bank said Western Union did not send the refund. From XX/XX/2020 to XX/XX/2020 the money has been " in progress '' per Western Union online report attached. I complained to Western Union through phone and emails severely ; complaint number is # XXXX. XXXX # XXXX XXXX XXXX is tracking number of the {$2900.00} " in progress ''
Product: Credit reporting or other personal consumer reports

Full name requires correct input with software for proper database storage and name association with bank XXXX XXXX XXXX ( XXXX ) full name XXXX XXXX. abbreviation mandate was entered into system with excess characters to first name that is XXXX characters and software autoformat unable to place space independently printed customer name error report in association to social security number. Account was not issued. Application pending.
Product: Credit reporting or other personal consumer reports

Despite multiple written requests, the unverified accounts listed below continue to report on my credit report, in violation of federal law. These accounts must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these accounts, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Texas Office Attorney placed Child support payments on my credit bureau information. 
Child support is not a credit and should not be used as a credit. 
Account no-XXXX
Product: Debt collection

I requested a letter of validation of the debt on XX/XX/XXXX, I never got a response. In XXXX, the company filed a law suit. They bypassed the rights I have under the consumer financial protection bureau.
Product: Credit reporting or other personal consumer reports

I am submitting in response to a notification on my credit report. The files reported are inaccurate and erroneous and is leading to a negative impact on my credit file. I am including proof with this letter and the following information on the credit report is incorrect. 
XXXX XXXX Balance Owed : {$9000.00} XXXX XXXX XXXX Balance Owed : {$22000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I use to work for a company back in 2013 that went bankrupt shortly after my departure as an employee. I moved on with my life and studied XXXX and became a XXXX XXXX XXXX for one of the biggest XXXX XXXX  in XXXX. I recently noticed credit card account reporting on my credit report that i had never opened and never used at first i was very confused because there was no explanation to how it got there. When i dug a little deeper and called XXXX  to try and resolve this issue i found out that it was a Business credit card that belonged to the company i use to work for. I never had any idea that this account was linked to my social security number. I tried to resolve this issue with both the Creditor and the credit bureaus but the account is still reporting on my credit report as if it belongs to me. Not only the statue of limitation already passed ( Its been Over 7 years ) the account is being reported as a collection and with a balance of more then XXXX dollars.
Product: Payday loan, title loan, personal loan, or advance loan

On XX/XX/year> I applied for a personal loan after completing and receiving a pre-approval from SoFi. I was pre-approved up to {$30000.00} based on the information requested including gross income. The gross income provided was {$100000.00}. The supporting documents provided support this gross income amount. The application was denied. When I called to inquire further, I was told I was supposed to provide NET income and that the income couldn't be verified. I asked what they believe my net income was and was told around {$65000.00} and that I should re-apply with that amount. I attempted to reapply again for {$25000.00} and {$10000.00} respectively and was denied for both. When I contacted them again I was informed my only option was to wait 30 days and try to re-apply with a co-borrower. I attempted to provide more current supporting documents but was informed there was nothing else that could be done. After multiple conversations with the company support, I went back and looked and it indeed requests gross income before taxes.
Product: Credit reporting, credit repair services, or other personal consumer reports

The XXXX XXXX  XXXX  is inaccurate, this is from an issue from late XXXX. Was under XXXX XXXX  XX/XX/XXXX. They keep transferring to another collection to affect my credit report more, with inaccurate dates and as new incident. None of the credit reporting agency did a proper investigation and just dismissed the dispute. They stated they called the collection agency and they said it was accurate. That was it, my consumer rights are being violated. It is fraud and intimidation to repeatedly transfer it just before it is suppose to be removed from the credit report. These collection agency are in the same area and it is obvious. If they looked at my credit report they would see was report XX/XX/XXXX and is not from an incident this year.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts that need to be investigated and corrected from erroneous reporting in my file are listed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

XXXX XXXX # XXXX. 

On XX/XX/XXXX, I became aware that I was unable to access or sell my cryptocurrency stored in a Coinbase Vault, because I did not have access to the 'secondary ' email address associated with the account. I submitted a support ticket through the Coinbase website. I received response from Coinbase via email that someone would close the Vault account and create a new Vault on my behalf with a valid email address. 

After no further response or action from Coinbase, I followed up with several email asking for resolution. My follow-up email to coinbase were on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Most email received an automated response. I also called the customer support line several times, but most attempts did not reach a person ( wait times >45mins ). The times I got through, customer support was unhelpful. 

On XX/XX/XXXX, I reached out to the company ( XXXX ) associated with my secondary email address, to see if I could regain access. XXXX informed me that I never had an email address that matched the one on file with Coinbase ( started with " d '' ). It was at this point that I realized that Coinbase had changed the 'secondary ' email address associated with my account without my authorization. I checked the email Coinbase sent at the time of the Vault account creation, and can confirm that the email address I used at the time of account creation is no longer the email address associated with the account. It has now been XXXX months, without any resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the Experian credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct : XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX and XXXX XXXX  XXXX
Product: Checking or savings account

On XX/XX/22 an unauthorized XXXX was deposited to my account from someone I know, I contacted the other person to let them know and to confirm if it was made by them or not because " someone from XXXX XXXX '' was calling to confirm I received it. They reported it to XXXX XXXX afterwards and I checked my Citibank account daily to make sure the money was withdrawn but instead both my checking and savings accounts were blocked on XX/XX/22. When I spoke to a customer service representative on XXXX/XXXX/22 due to them being closed for the holidays, they told me my accounts were in the process of getting closed and that my funds would be mailed to me within 30-60 days and that they could not provide further information. I called several times and asked to speak to a supervisor because I need money to pay rent, bills, and food for my daughter and myself but had no luck and was told one would call me. I tried calling again and twice the customer service reps hung up on me saying " your accounts have been closed and we can no longer service your accounts. '' I finally spoke to someone the last time I called and was told that as of XXXX/XXXX/22 my account was closed and that I wouldn't receive my funds until 30-60 days from that date and that they were not authorized to provide any information but that I would get a letter stating why.
Product: Mortgage

I applied for a second home loan through Quicken Loan on XX/XX/2019 working through XXXX XXXX. Quoted rates was 3.5 % due to our high credit score with {$9900.00} in credits her boss authrized that that would minimize our points buy down cost. Our loan number is XXXX for XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sc for {$400000.00} with {$40000.00} down, {$5000.00} earnest money and to finance {$360000.00} over 30 years. My wife and I were on the call in which XXXX reviewed the terms of the mortgage, which were very confusing with the credits but sounded attractive. 

At no time during the first conversation was mortgage insurance discussed, which in later transmittals would impact us $ XXXX/month. I communicated this gap through Quicken Loan and they wore me down with no resolution or concern for the omission. 

During my employment check, the contacted the wrong company XXXX XXXX who told them I had been terminated rather than my employer of 30 years XXXX XXXX XXXX Ga. XXXX asked my wife in passing one day if I had been terminated ... I then contacted XXXX my lead loan contact with information on our site HR contacts. No one contacted them for another week when I was finally told directly that they were having problems verifying employment. In todays age of privacy, I am not sure how that happens. I asked for an explanation and have not received one to date. Very concerning. 

Cash to close estimates for my loan started at {$47000.00} with a {$40000.00} down payment and went to {$51000.00} 3 days before closing and {$54000.00} 12 hours before closing with no review or call from Quicken but just a posting on line. They say great customer service but they do not follow up changes of this magnitude with calls. the confusion in the way the show credits showed in my loan that I would have seen {$30000.00} in closing cost if not for the {$10000.00} up front credit. my closing lawyer said he had never seen loan origination at {$9800.00} ( what is on my closing detail, first time I saw this number ). I was told that would be {$6500.00} .... This made closing very unsettling with no one from Quicken to explain things. 

My closing was disrupted by an inspection item and now I am faced with an expiration date on my loan of XX/XX/XXXX at which time Quicken has now informed me that I will be changed another 1/2  pt based upon their discretion. This adds insult to injury. 

I am amazed at the lack of customer focus even at the management level. There was one shining star XXXX XXXX in the process for Quicken that took the time to calm me when at the end of the process and did attempt to explain things. 

I am still not to the finish line, found out that cash to close from another lender for same 3.5 % rate side by side is lower and so disappointed in the whole process. I trusted Quicken Loan and they let me and my wife down in so many ways. I hope things can change and glad to have a platform like this that protects consumers to document my story ...
Product: Credit reporting, credit repair services, or other personal consumer reports

Portfolio Recovery is reporting a debt on my credit file that I do not owe. I recently checked my credit file and noticed that this was still reporting. This debt is very old and I have consulted this debt only to know that this account is past the statute of limitations in Utah according to my attorney general. Not only is it past the statute of limitation bu tit is also past the credit reporting limit per the FCRA guidelines. I do not owe this debt and it needs to be removed off my credit file.