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

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 U.S. Code 1681e : ( a ) Identity and purposes of credit users Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. These procedures shall require that prospective users of the information identify themselves, certify the purposes for which the information is sought, and certify that the information will be used for no other purpose. Every consumer reporting agency shall make a reasonable effort to verify the identity of a new prospective user and the uses certified by such prospective user prior to furnishing such user a consumer report. No consumer reporting agency may furnish a consumer report to any person if it has reasonable grounds for believing that the consumer report will not be used for a purpose listed in section 1681b of this title. 

( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

( e ) Procurement of consumer report for resale ( 1 ) Disclosure A person may not procure a consumer report for purposes of reselling the report ( or any information in the report ) unless the person discloses to the consumer reporting agency that originally furnishes the report 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 FURNICH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS
Product: Credit reporting, credit repair services, or other personal consumer reports

While attempting to refinance my home, my credit report was pulled and I realized there are multiple inquiries on my report that I do not recognize nor did I give my permission to obtain. This includes inquiries from around the time I refinanced after my mortgage company advised they would be the only one to submit a request for my report and I also see past situations where I was told my credit would only be ran ONCE and that was not the case. 

XXXX. XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX on XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX on XX/XX/XXXX XXXX. XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX
Product: Checking or savings account

To whom it may concern : I have a Capital One 360 checking account since XX/XX/2018. Unfortunately I had a situation where a person cashed a check for a service that was not rendered. I reached out to the person but I haven't heard anything and I suspect I became a victim of fraud since she won't return my money. I contacted Capital One and they couldn't do anything for me, even try to get that money back for me. I relied on this bank for some time and now I lost my money because of their poor controls since they never flagged this transaction as suspicious or reached me out about the particular.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 at approximately XXXX EST my coinbase.com account was compromised. The individual or individuals were able to transfer funds totaling approximately {$35000.00} to an unknown wallet.. 

I disabled my account at XXXX EST but the damage was already done. I have since sent several e-mails ( there is no live customer support line ) to try and get any additional information or resolution.
Product: Credit reporting or other personal consumer reports

I have called the mortgage on the request for verbal or written authorization for the HARD inquiry taken effect on XX/XX/year>. ( I was not aware this was done without my approval ). 

The other other are inaccuracies reflecting in my report which I send all 3 credit bureaus to make the correction.
Product: Credit card or prepaid card

I can't seem to talk to anyone in XXXX, Texas about my money this month.
Product: Credit card

I have been a Discover Card customer for 31 years. I moved recently and received a paper statement. I was shocked that my interest on cash advances was {$57.00}. My bill does not show a cash advance. I spoke to 8 customer service representatives, and none could help me find the original amount to dispute. I contacted XXXX at the Discover Executive Offices. She investigated and found there was a cash advance of {$500.00} in XX/XX/2011 which I dont recall. I have been paying interest for 12 years and now the cash advance balance is {$2400.00} all from interest since I pay the minimum each month. I dont check my statements because I automatically pay all my bills online. 
Discover Financial Services has abusive interest practices. The current rate is 27 %. I am now a XXXX woman on social security. They offered only to lower the rate but the issue is the balance and interest I paid over 12 years. How did a {$500.00} cash advance escalate to {$2400.00}? I hope you can help me get this amount reversed on my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recentlt reviewed a copy of my credit report and noticed the following information regards inquiries to be an error. According the the fair credit reporting act states what instiutions are allowed to pull credit. 
The following inquiries are not related one of the allowable purposes as i have reiterated from the fair credit act ; XXXX ) .XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX ) .Exeter finance LLCXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX  XXXX XXXX XXXX .XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ) .XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) .XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 
Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting, credit repair services, or other personal consumer reports

Pursuant to HR 748, the " CARES Act '' Ascendium Education Solitions VIOLATED THE LAW and has engaged in collection activities that have financially harmed me and my credit report. 

I have two ( 2 ) student loans that are in default status, and Ascendium is such a poorly ran company I have been attempting to contact a human since XXXX to resolve this. 

According to the CARES Act, they are prohibited from any collection activities until originally XX/XX/XXXX, but now extended until XX/XX/XXXX. 

They ILLEGALLY reported negative information from XXXX through XXXX. This is a violation of the law and my rights. Refer to Subtitle B - Educational Provisions - Section 3513. 



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

I have been identified as a victim of XXXX XXXX I have provided all requested information per the 605C FCRA laws. I am receiving services as a XXXX  from a Non-Governmental Organization.

I sent all the requested documents stated in the law -Self Attestation -Victim Determination Letter -List of accounts to be removed The above listed documents have been sent to several CRA 's ( XXXX, XXXX XXXX, XXXX XXXX XXXX etc ) and per the XXXX05C all the items were removed.

It is unclear why Equifax refuses to remove the same information though Equifax is required by law to adhere to the 605C just as the other CRA 's have.

It has been several months with no resolution and when I call for details on what the issue is ; Equifax refuses to be clear n advising me what they actually need to complete to process.

I am a XXXX that is suffering financially based on the abuse I endured, this law was enacted to help people in my position. It is therefore unlawful that Equifax is not following the law per the 605C. 

I need these items removed asap so I can get out of XXXX XXXX and move forward in rebuilding my life. 

Please help I am a mother and a XXXX that does not deserve to be further victimized!!
Product: Mortgage

This is my second complaint against Roundpoint Mortgage Servicing company. My first complaint was that they sent my mortgage bill to my old address, even though the company they purchased the servicing of my loan on had the correct address. This in my view was an attempt to make me miss payments. I suspect other customers have similar situations with Roundpoint. 

My current complaint relates to how they are Roundpoint credited my recent payment for my XX/XX/XXXX mortgage invoice. I recently made a mortgage payment ( XXXX XX/XX/XXXX ) on XX/XX/XXXX! Rounpoint incorrectly designated it a Principal Only Payment? I made no such designation on my payment via XXXX XXXX pay saying this was to pay down principal. 

Today I received a text alert saying my account was in default because my payment for XXXX is past due. I paid it OVER A MONTH AGO!!! 

This was a mortgage payment plain and simple. That's why the amount was for the exact amount due for a mortgage payment : {$3800.00}. Please ask Roundpoint to correct this immediately, and please launch an investigation into their practices. There are many people Roundpoint is doing this to. It's clear they're purposely trying to make customers late on their payments to ex
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX 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 personal credit card account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of {$10000.00} that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Checking or savings account

We h ave Business ch ecking with  XXXX . Every month were charged a {$43.00} lease payment for the  XXXX   XXXX . However this device is in operable. We 've reached out to  XXXX    XXXX   XXXX  , along with First data who has been almost impossible to get through to.
Product: Credit reporting or other personal consumer reports

I have been a victim of identity theft. I've reached out to the bureaus around XXXX or XXXX about this issue. I have also sent my appeal and dispute letters via mail as requested but when I call, some representatives would say they see them, some say they don't. Please help me reach out to the bureaus and kindly delete the following fraudulent accounts and inquiries from my credit reports. I attached my FTC reports, ID, proof of address, and Social Security card to this complaint. 

Here are the fraud accounts : XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXX, XXXX - XXXX - XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

A student loan that was taken out in XXXX and went delinquent in XXXX is now being incorrectly reported on my credit. The accound was paid and that even currently shows on my credit report. This month the account was incorrectly reported on my credit by XXXX Bank. This account was paid years ago. However XXXX is reporting it charged off from the date THEY took over the account. In XXXX XXXX suspended all student loans and it was then transferred to XXXX. XXXX took it upon themselves to incorrectly report the date they took it over as being charged off. This is breaking the law. I want this info removed from my credit report effective immediately. I hope the CFPB can look into this way of reporting that Truist is doing as it is going again the FCRA. The the delinquent charge off was in XXXX and is well beyond the 5 year of statue of limitations.
Product: Credit reporting, credit repair services, or other personal consumer reports

in Accordance with the fair credit reporting. the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under use XXXX. 

Account name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX 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.SC 1618C. ( 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 then 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 reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these accounts ( A ). It is not permitted to report these accounts as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Bank account or service

I was accessed a {$39.00} dollar fee on XXXX/XXXX/16 " Fee Overdraft ( XXXX At {$39.00} ) |eNotice - {$39.00} ( with a balance of {$510.00} ) that I did not understand as balances on either side of that date, as listed in my online acct page, were above the amount required. I went into a branch and though, cust. service women could not say and instead called " someone in back '' as " they see things in a different way '' quote. Say what? I thought our online view was actually what was happening in real time and the whole point of it. 

The charge the " backroom '' people stated overdrafted my acct. was due to a co. that was given my debit card info. by another co. by the name of XXXX that I had to use in order to book a campsite reservation. I read ALL notes and forms and alerts and info for that site which was super convoluted and packed with choices and dropdowns and mandatory responses about camping and personal info. & payments etc. What came later was lots of spam from this other co. called ACTIVE XXXX XXXX XXXX XXXX, Texas XXXX Their charge showed up DBT Purchase XXXX Tx XXXX ( 3 ) weeks after the camping was long over and is a membership I never signed up for and never opted out of because I never read their spam mail in the first place. I did all the research myself. I thought maybe would have had a little more help from the bank. She stated that it seemed legit or from a swiped card and that since the co. listed a phone it was probably not a result of illegal usage but it actually WAS! 

Best, Thanks! 
XXXX
Product: Credit card or prepaid card

I had a credit card called the Citibank XXXX XXXX XXXX   Platinum Card. Due to not wanting to pay the annual fee of {$95.00}, I requested to close the card account in the middle of XXXX. I was told by a Citibank representative that it would be in my best interest to switch my card to the Citibank XXXX XXXX XXXX XXXX Card, which did not have an annual fee. I was also told in the same conversation that the annual fee I was charged for the upcoming year would be refunded within 2-3 billing cycles. I did not understand why Citibank could not reverse the annual fee when I originally explained I did not want to pay to annual fee, and when I was switched to the XXXX XXXX. However, I accepted this, and patiently waited. 

In the middle of XXXX, I saw that my statement still had the annual fee of {$95.00} as my balance. Furthermore, I saw that interest was also charged on this annual fee. I called Citibank once more, and I was told by a Citibank representative that the annual fee would be taken off of my account on my XXXX billing statement, and that also the interest charged on my account would be reversed as well. It is now XX/XX/XXXX, and I noticed on my statement the annual fee is still on my account. 

I contacted Citibank today, and was told my annual fee would be reversed in now in XXXX. Meanwhile, interest is continuing to be charged on my account on the improper annual fee, and I feel my patience is being taken advantage of. I realize this fee is not a great deal of money, but the level of smug customer service I have received from Citibank and their constant delaying of reversing an improper annual fee I know Citibank could reverse immediately, feels predatory to me. 

I am requesting the CFPB to look into this matter.
Product: Credit card

This has been going on for years and even requested XXXX XXXX XXXX XXXX XXXX XXXX.i had a meeting with the executive offices concerning my XXXX and those XXXX XXXX XXXX would help me. They still have my online banking frozen. I have been begging them to fix my credit card from fraud and send me a new one and they refused. They always a reason. I have been a bank customer for 30 years with direct deposits continuously since XXXX from social security. 
They limit me to even how much I could withdraw which sometimes a XXXX dollars a day. This made it hard to find an apartment. I have been suffering from financially identity theft and distress since I was attacked in XXXX and sustained another XXXX. I was already XXXX with a XXXX. I have XXXX XXXX and they would complain about my picture of my ID or the paper one. They found every excuse to fix the endless disputes on my account fix my credit card or send it. They still can not resolve online banking that has been blocked for years even with the contract pleas for help. Now they have charged off my credit card and put it on my personal creditwith my card being compromised a year ago. 
They limit how much money I can pull out and have had to sleep on the street I need to get an audit done to see how much has actually been taken from be since the incident in XXXX. 
Please help me remove this item and some kind of resolve to get my life back from fraud/ identity theft. All of the things on my report are from me being attacked XX/XX/year>. You can clearly see how my banking becomes completely disrupted after the event I have requested help from the attorney general. XXXX guidance on this would be grateful. I am XXXX XXXXXXXX mom who is a XXXX and a XXXX 
My daughter who is now XXXX was with me when this incident happened and I am still buried in the financial collapse of being a victim to a violent attack What are the steps to get my credit back to find a home etc. 

Thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I have XXXX Chargeoff accounts on my credit report ( XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX  XXXX and XXXX XXXX XXXX ). I have made several attempts to dispute these charges because when i called the collection agency ( XXXX XXXX ) they very first told me i was no longer obliagted to pay and try to settle the debt and sent me formal letters of deletion in the mail. However, i can not find these letters. That was XX/XX/XXXX. Just recently on XX/XX/XXXX i attempted to call XXXX XXXX  because this is the address that shows up on my credit report as lender info however the representative told me there was no record of collection agency that it was sold to and that it normally sells to XXXX XXXX  so i called there. The representative at XXXX XXXX XXXX, when i gave her my social said that there is no information on file coming up by my social and that i would need to contact the legal department there on XXXX  morning. i should not have to carry around debt that i am not able to settle because my accounts can not be found anywhere
Product: Debt collection

I had cable TV through XXXX XXXX. That entailed putting a deposit ( about {$500.00} ) for their cable boxes. I returned the boxes. I called XXXX XXXX directly and confirmed I don't owe them any money. 

However, a first collection agency ( I don't remember the name ) got the job of collecting the debt for the cable boxes and sent several collection letters. To every letter I replied, in writing, that I dispute the bill ; I don't owe XXXX XXXX any money ; and to stop sending me letters. At least one letter came with supporting documentation of at least a year old bill. I sent back the same thing, and told them to get a CURRENT bill. I stopped hearing from them. 

Today I got another letter from a different collection agency ( EOS CCA ; Collection Inc. ) offering to take about half of the debt I don't owe. I replied the same way and told them to get a CURRENT bill. 

I'm sick of this and want to file a complaint.
Product: Debt collection

My wife passed away in XX/XX/2018 and I closed her acct. with XXXX and switched carriers but they kept billing me. My wife 's number was stolen and billing under known was happening. I contacted them constantly and they ignored me. My wife also had her unemployment benefits wrongfully stolen, and I reported that, and it was taken care of. Also, as of XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX  XXXX. I am on XXXX and have a limited budget. This debt should be dismissed on both counts. It is ridiculous. I have also sent them proof of my XXXX and issue and they have ignored me. Why am I being charged for this? It is bullying.