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

There are XXXX accounts listed on my credit report that i never opened. On the date of XX/XX/XXXX a " XXXX '' credit card account was opened with a {$5500.00} balance. On the date of XX/XX/XXXX a " XXXX '' account was opened with a current balance of {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

All disputed accounts are still reflecting in my score, they were supposed to be removed within 30 days after being disputed. I now have a potential lawsuit on my hands against XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the erroneous accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 Credit bureaus was dated XXXX XXXX ; but I never received a response from them. These accounts must be investigated and deleted in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these accounts, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Product: Mortgage

Once again Roundpoint Mortgage Servicing XXXX has again lost my insurance payment. Which they after 4 years must be doing this on purpose in a effort to gain foreclosure on my house. They are a predatory loan servicing company involved the a predatory lender XXXX XXXX XXXX XXXX.This year they chose to randomly send my insurance payment to XXXX, not knowing if I was renewing, changing companies, selling the house, if policy rate increased etc. When I pay bills I don't just randomly send money to a company and hope its the right one. But this company clearly does and does it yearly. Payment was send on XX/XX/XXXX, the policy expired XX/XX/XXXX. In that time the payment has now been lost and the insurance premium is unpaid with XXXX. Part of the job of these purposely incompetent XXXX XXXX is to service the mortgage and I am yet to receive that service. Upon XXXX contacting Roundpoint, XXXX the representative could not even supply a business address to XXXX. I would assume much like their payment processing these people just randomly show up at a building in the morning and hope for the best. The complete lack of being able to perform any servicing of my mortgage is a direct breach of contract. I the customer and am having to clean up their mess year after year as they try to steal my home. Now the loan has until XXXX for me to correct it before XXXX drops coverage since Roundpoint failed to properly pay them once again. Last years excuse was because the policy number changed, this year they claim the policy number never changed. I will continue to file complaints until Roundpoint is no longer my servicer. They have made no effort over the multiple years to fix this problem.
Product: Credit reporting, credit repair services, or other personal consumer reports

The status is incorrect for the following accounts an these accounts are not mine. 
XXXX XXXX XXXX .... Balance : - XXXX XXXXXXXX XXXX. Balance : - XXXX XXXX XXXX XXXXXXXX .... Balance : - XXXX XXXX XXXX XXXX XXXX XXXX Identification number XXXX Date filed XX/XX/ Status XXXX XXXX  bankruptcy discharged
Product: Credit reporting, credit repair services, or other personal consumer reports

The accounts listed are fraudulent accounts that are listed on my credit reports, I have no knowledge of the said accounts and nobody contacted me in regards to the said accounts prior to listing them on my credit reports. Someone assumed my identity and that is how these accounts were listed on my credit reports. These accounts are in direct violation of the Fair Debt Practices Act meant to protect the consumer per section 605B, all of the listed accounts and inquiries should be blocked and or removed from my credit reports within 4 business days of receiving this documentation. I sincerely appreciate your swift response to this very important matter as I attempt to put my financial life back together. 

XXXX 11 XXXX XXXX XXXX ACCT # XXXX {$610.00} 11 XXXX ACCT # XXXX {$260.00} 11 XXXX XXXX ACCT # XXXX {$1900.00} 12 XXXX XXXX  ACCT # XXXX {$2900.00} ALL INQUIRIES XXXX  XXXX ACCT # XXXX {$1900.00} EXPERIAN XXXX XXXX XXXX ACCT # XXXX {$1500.00} XXXX, XXXX ACCT # XXXX {$260.00} XXXX XXXX ( XXXX ) {$1900.00} XXXX XXXX XXXX  ( XXXX XXXX ) ACCT # XXXX {$610.00}
Product: Payday loan, title loan, personal loan, or advance loan

Paying too much interest fees every month
Product: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to a previous dispute that my Student Loans are being reported twice. XXXX states that they purchased my student loans yet if XXXX purchased my student loans in XXXX why are my Student Loans showing listed via all 3 credit reports by the XXXX and show my student loans as active and pass due from XXXX. If my student loans were purchased by XXXX my student loans should not be listed by the XXXX making it look as if I owe twice more than what I should, such that XXXX should remove all occurences of past loans from my credit report.
Product: Credit reporting or other personal consumer reports

I have been requesting information regarding my Experian credit report. I have sent numerous request regarding incorrect credit reporting. Based on the FCR section 611 ( 5 ) ( a ). According to the Fair Credit Reporting Act, Section 611 ( 5 ) ( a ) of the FCRA-you are required to promptly DELETE all information that is inaccurate, incomplete, or which can not be verified.

I have requested disputes with Experian and they are NOT investigating and just updating. The following accounts are reporting inaccurate. XXXX XXXX XXXX. They are reporting as a reposession EVERY MONTH since XXXXXXXX XXXX XXXX. This is inaccurate and has re-aged this account on the file.XXXX  XXXXXXXX XXXX XXXX XXXXXXXX. Experian has been reporting this account as charge off since XXXXXXXX XXXX XXXXXXXX which is now re-aged on my credit profile.Experian has reported these inaccuracies and i am DEMANDING they are removed from my credit profile.
Product: Student loan

I have attached a document detailing my issue. To make this short, I have been attempting to apply for the SAVE program for almost a year. MOHELA continues to deny my requests stating that my loans are not in repayment. The president did not say current students are not eligible to participate in the program while attending school. Also, now my loan has accrued XXXX in interest. 
I have asked MOHELA to take my loans out of forbearance and put them into the SAVE program. They will not do it. They refuse my repeated requests. How is it legal for them to dictate how my loans are handled when I am the one responsible for paying them back? 

I attached the letter they sent me yesterday to document what I am saying. Also, I qualify for XXXX payments due to being downsized. This is why they will not take my loans out of forbearance. And they want them to accrue interest, 7 % daily interest. 

I wrote a letter to the US Department of Education in XX/XX/2023, and they did nothing about it. I still have not heard from them.
Product: Mortgage

I made a payment on a {$69000.00} loan of $ XXXXXXXX3.62 % they applied {$960.00} to finance charge and {$230.00} to principal. This is wrong. I called and was told they will look in to it. My first call was XXXX/XXXX/15, they have still not resolved this. I do n't know who this Co is Specialized Loan Servicing LLC, they said they got this loan from XXXX XXXX XXXX XXXX to witch I have been making payments for several years.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. Block and remove it. 
XXXX Date of Inquiry XXXX/XXXX/2024, XXXX XXXX XXXX Date of Inquiry XX/XX//2024, XXXX  Date of Inquiry XXXX/XXXX/2024, XXXX  Date of Inquiry XX/XX//2024, XXXX  Date of Inquiry XX/XX//2024, XXXX  Date of Inquiry XX/XX//2024, XXXX XXXX XXXX Date of Inquiry XX/XX//2024, XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2024, XXXX XXXX Date of Inquiry XXXX/XXXX/2024XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX//2024, XXXX XXXX XXXX XXXX  Date of Inquiry XX/XX//2024 XXXX XXXX XXXX XXXX Date of Inquiry XXXX/XXXX/2024
Product: Credit reporting or other personal consumer reports

I opened a card in XX/XX/2023 AFTER I was assured there was no Hard inquiry. I followed up a with a number of calls ... that HD mentioned were recorded for quality purposes to make sure there was no Hard Inquiry now after 7 months I see a Hard Inquiry on my credit score showing, and Home Depot they are saying it is correct and they can not remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

Two alternative names are associated with my report with whom I share no relation and have never, ever used ... I have submitted this concern/complaint within the last year.
Product: Money transfers

This company if refusing to refund my money for XXXX charges that i tried to dispute a year ago because the product i received was fake and used. XXXX of the charges are international charges and XXXX is XXXX from new york. XXXX charge is on XXXX XXXX 2015. XXXX is XXXX XXXX 2015. Those are the XXXX international charges and the other XXXX is from flight new York for {$410.00} and some change. They trying to say I 'm pass the XXXX day mark which is n't true when i initially filed the dispute they did n't include all the charges and they disputed it as unauthorized which a supervisor told me is the wrong way and should have just opened a claim up to get my funds back. I would like my funds back immediately to the method of payment for the error they made on their end not mine i did everything by the book. I should be due a refund of a bout {$4000.00} for this because what they are doing is n't right and people still deserve their money back if they do n't get what they paid for.
Product: Checking or savings account

Simple closed my account without telling me they were going to do it when I reported checks missing in the mail. They instantly canceled by debit card and all transactions out. Only when I contacted them did they tell me what they had done. 
They told me I could go to any physical bank and do cash advances on the debit card of up to XXXXUSD ever 24 hours, but I needed to call each time. I did that once, and then the next day they said the agent was wrong and I cant do that. 
They told me that and deposits ( payroll ) would be rejected. However that was not the case. My paycheck was accepted by them, but I cant get the money out with a cash advance as I was previously told. The next agent told me the former agent was wrong to tell me that. 
The now 5th agent I talked to said they would rush deliver via XXXX a check for the remainder of my funds and Id have it by the end of the week. 
That was 3 weeks ago.

They will not respond to support messages. My calls are routed to infinite hold. 
They are currently holding over XXXXUSD of mine and I am paying for all expenses with credit card in the interim. Soon enough, I will need to pay that credit card. Soon enough I will need to pay rent. If I miss rent payment by 1 day I can be evicted at my own cost because Texas is the most America of America.

Stay away from Simple if you dont want to be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Incorrect personal information on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
XXXX. Identity Theft XXXX  Account Number : XXXX Please remove it from my credit report. 
By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 
Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

Thank you for your time and help in this matter. 

Sincerely, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am filing this complaint on my own behalf to address an issue concerning unauthorized inquiries on my credit report. This information does not belong to me. I need this fraudulent unauthorized item removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX  Account Number XXXX Account Name : XXXX XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX XXXX Account Number XXXX Account Name : XXXX XXXX  Account Number XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I received a letter from Discover bank stating that i owed {$5200.00} for this credit card on XX/XX/2022. 

I never applied for or received a credit card from this bank. 

I have received credit reports from XXXX, XXXX and XXXX and have disputed this information with them as well and they have come back to me stating it has been verified as belonging to me. 

I wrote a letter demanding that they show me an application that bears my signature. 

I did not receive anything other than a generic response stating : at that time were provided with a name and address and other identifying information. 

This account is not mine. I did not apply for credit with this bank and i have received a XXXX form for this debt. I will not be responsible for this account and i want it removed from my credit reports.
Product: Mortgage

RE : INCORRECT Escrow Surplus Check ( acct XXXX ) To BSI, I hereby am requesting a clear explanation as to why the Escrow Surplus Check was only {$240.00}. I am requesting this Under the Real Estate Settlement Procedures Act by way of a written request regarding the servicing of my loan. 
Name : XXXX XXXX Account # XXXX In addition, to date that is the only refund I have received. I am still waiting for the refund check for XX/XX/2022. 

Here is the math behind my complaint and written request. 

Incorrect amount charged by BSI Financial ERROR Correct amount Surplus Received Deprived of the remaining over payment XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$240.00} {$140.00} XX/XX/2022 {$2500.00} {$2200.00} {$380.00} {$0.00} {$380.00} Total Due still not refunded {$520.00} *see formal written Acknowledgement from BSI attached I am demanding the total owed to me for Escrow overpayment {$520.00} immediately. I am formally submitting this complaint not only to BSI Financial Witten Requests but also the Consumer protection Financial Bureau.

BSI response to my first complaint has not been fulfilled. Therefore, I will not only ask the Consumer protection Financial Bureau to reopen the first violation and open a new complaint for another non-compliance report another compliance with Mortgage servicer Federal Rules. 

Regards, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX didn't correct wrong information concerning an Auto Loan with XXXX XXXX XXXX XXXX. The loan was NOT part of the bankruptcy, document provided. XXXX XXXX XXXX XXXX will not correct the error. I have sent documents to XXXX ( bankruptcy record and open XXXX loan account ) loan is open and is being paid consistently on time with no delinquent or late payments. I have been denied housing because of bad credit including the incorrect item.
Product: Consumer Loan

AutoCredit and MG Finance refuse to remove paid collection from credit report. I paid this repossession about a year after it happened. I paid a settled amount via money order. I called XXXX times to get a paid in full letter and each time I was given a different story of why the letter never came. I am a single mom and things are hard enough without having this report on my credit report every month for the last XXXX years!
Product: Mortgage

I applied with Geneva financial in XX/XX/2020 when Covid hit. When housing market fell due to Covid I no longer qualified for loan, however when it began to open back up I was able to qualify and was eventually approved for FHA loan. I received approval through AUS system and underwriting. Loan officer XXXX XXXX said I could close XX/XX/XXXX. However, this was moved to XXXX due to incomplete paperwork. I was then told I could close in XXXX and that my file was completely normal but paperwork was again missing because I had to apply for new FHA case number and get a 2nd appraisal done. After that was completed, I was told I could close but XXXX DPA paperwork was not completed. As a result of disorganization of loan officer XXXX XXXX, XXXX XXXX, and, processor XXXX XXXX, I was never able to close. I believe this was racial discrimination becsuse my file was perfectly fine after the market opened back up in XXXX and I received approval from XXXX along with closing disclosures. There is no reason why it was XXXX and I still was not able to close other than they were purposely delaying the loan because I was a minority. I want this marked on XXXX XXXX 's file as racial discrimination and lack of organization. I chose not to disclose my race for this very fact, however they put it on my application anyway without my permission.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to formally request the blocking and deletion of my accounts that may have been compromised in the recent data breach, pursuant to 15 U.S.C. 1681c-2 ( a ). As a victim of this breach, I am concerned about the security and privacy of my personal information. 
Please find my personal details below for your reference : XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$160.00} XXXX. XXXX XXXX XX/XX/XXXX {$730.00} XXXX. XXXX FIN XXXX XX/XX/XXXX {$7500.00} XXXX. XXXX XXXX XX/XX/XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section 605B ( a ) you are require to remove/block the items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX CA XXXX, XXXX XXXX XXXX : {$3600.00}, XXXXXXXX XXXX XXXXXXXX Balance : {$1300.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$2300.00}, XXXX XXXX XX/XX/XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX th 2022 I accidentally sent the money to the wrong person. It was {$400.00}. And the company paypal has fail-safes for this exact problem and within minutes I followed those steps. And luckily the person I sent this too answered my call and cancelled the transaction and refunded the money back to me almost immediately.. Now this is what PayPal directs you to do. So I figured I would get my XXXX money ( I had no XXXX this year, I literally had to feed my family peanut butter sandwiches for XXXX dinner ) PayPal said my refund would be available on XXXX XXXX the {$400.00}. Now I even asked them on their website why does it take 3 days to get my money refunded to me on an accidental transaction. Their response was that I have to wait for th e-check to clear, which confused me. Because it was a PayPal to PayPal transaction so I dont understand why the y would have to wait for their own check to clear? So I wait til XX/XX/XXXX and than it says the refund was pushed back to XXXX XXXX. After XXXX. I was heartbroken how can I tell my family that XXXX is cancelled. I wondered if this was personal because I feel I was discriminated against by PayPal not long ago, within the past 12 months I wrote an email to PayPal that my next step was to get a lawyer and file a discrimination suit against them but than they released my funds to me. But I did not say anything or contact them, I waited patiently thru XXXX for the XXXX th to come. On the XXXX I went on their website and saw on the XXXX nd of XXXX they cancelled the refund, no notification whatsoever. They told me to wait til the XXXX th to get my my my money back. But they silentl cancelled it. I called them on the XXXX th to be lied to and told the other party involved cancelled the refund and than got on with a manager who told us there is no one above him that we could talk to. Not one question o had was answered they told no refund thats it because the other party was in the negative which should not have mattered cause it was cancelled. Why would they wait 14 days to tell me this cause the manager stated clearly on the recorded line that, as soon as I accidentally sent the money I was never going to get it back cause she was in the negative. If that is the case than why 14 days to tell me this
Product: Credit card

I noticed a charge on my credit card for {$68.00} dated XX/XX/2023 to a company in XXXX XXXX. I've never been to XXXX and it was clear to me that this was a fraudulent charge. I opened a billing dispute with Citi on XX/XX/XXXX stating that I didn't recognize the charge or the merchant and requested a refund of the charge. According to the timeline provided by Citi, they contacted the merchant on XX/XX/XXXX and gave them 30 days to provide proof of the charge being legitimate. On XX/XX/XXXX the merchant responded with some kind of record of an electronic charge. On XX/XX/XXXX Citi notified me that they had determined the charge was legitimate and I was responsible. However, looking at the information provided by the merchant, someone named " XXXX XXXX '' with the email address " XXXX '' made the charge in XXXX, XXXX. That is not my name, not an email associated with me, and I've never been to XXXX and don't know anyone there. It's very clear to me that this is a fraudulent charge and I'm not sure how Citi could have determined it's " legitimate '' when it's clearly fraud.