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

When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX and Transunion 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 this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$1400.00} XXXX XXXX XXXX Balance : {$1400.00}
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have already notified XXXX and GC Services that this credit card was opened without my knowing. My now estranged wife had used my social security number behind my back to open multiple credit cards. She is XXXX XXXX / XXXX XXXX and I have had to file for divorce because of this. I am not responsible for the debt that she has incurred in my name. I am a victim of identity theft. A police report was submitted to the XXXX XXXX Police Department on XX/XX/2020. I have found out that there are 7 other police reports with her as the suspect of fraud / theft.
Product: Credit reporting or other personal consumer reports

XXXX XXXX on XX/XX/year> under the account number XXXX with a balance {$700.00} charged off. A charge off is considered income according to the IRS. Income is forbidden to be on a consumer credit report according to Congress 15. US code 1681 2AI no transactions or experiences are allowed to be on a credit consumer report. I have never received a 1099c form from the creditor. There are multiple inaccuracies being reported on my report. One of which you have reported charge-off for multiple months and a charge-off can ONLY be charged off once per the consumer law. Also this charge-off is reporting a credit limit. This is misrepresentation the account is charged-off the credit limit can not be used so it can't be reported on a credit report. This account has resulted in fraudulent charge-off/ write off appearing on my consumer XXXX credit report. XXXX has deleted this charge-off so Equifax needs to be in compliance by following suit to accurate reporting and deleted with Equifax immediately under 15 US code1681 N Negligence and non-compliance reporting to my credit report. 
Under the Fair Credit Reporting Act, I am exercising my rights under 15 U.S. Code 1681 N I request that you update my credit report accordingly. 

Please confirm receipt of this letter and provide me with the results within the timeframe required by law by deleting this account with the credit bureaus. I have attached ALL needed documents per my attorney and FTC these documents must be used to prove accuracy of my report. Per the FTC trying to say their document is invalid is an act of fraud by Equifax and should not stated to the consumer.
Product: Credit reporting, credit repair services, or other personal consumer reports

I looked at my free credit reports from XXXX and found a lot of things being reported wrong by the credit bureaus. Im shocked to see all the types of wrong information from wrong names, addresses to inaccurate accounts and inconsistent information on each report. This has to be fixed. Ive tried contacting the bureaus many time and have disputed these errors a lot. I sent dispute letters to the bureaus and alleged collectors you all report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

You all have all kind of errors on the report. Im going to list the issues out below for you to review and delete off my report because this is negatively affecting me and its not right. 
XXXX XXXX XXXX, there is no account number listed at all and no date of last payment ... This is not my account! The next issue, 2 wrong collection accounts reporting from XXXX is falsely being reported to my credit. These people havent sent me anything and they never replied to any of my requests to validate their claim that I owe them money. Or some kinda document w/ my signature showing I agreed to pay something to a healthcare provider with required HiPAA authorization. All of this is wrong. 
Another issue I found in you alls reporting is a XXXX  XXXX account that has NO account number whatsoever. The date of last payment says XX/XX/XXXX but the payment history shows the last payment was made in XXXX XXXX and the false 30-day late started XX/XX/XXXX. That dont make any sense to me and the bureaus keep reporting this false information. Please also take a look at the XXXX XXXX account being wrongly reported to my credit with Experian and XXXX. On XXXX Again there is no account number at all. The date of last payment shows XX/XX/XXXX by the payment history shows no payments and no collection reporting from XX/XX/XXXX beyond, and the date of first delinquency XXXX reporting is XX/XX/XXXX? How? And Experian reports current on time payments through XXXX up until XX/XX/XXXX, but XXXX reports 30 60 90 120 day lates in XXXX and CO from XX/XX/XXXX onward. Im looking directly at all of this inaccuracy on my own reports and its shocking! 
XXXX XXXX is another wrong account where XXXX reports CO XX/XX/XXXX and paid on time XX/XX/XXXX, then CO from XX/XX/XXXX onward but Experian reports current on time payments XXXX - XX/XX/XXXX, then no data at all, then 30 30 60 60 60 90 day lates XXXX - XX/XX/XXXX, and No data XX/XX/XXXX - XX/XX/XXXX. And yall are reporting wrong late payments on the XXXX account. XXXX reports 60 60 60 90 days late 4 months in a row from XX/XX/XXXX to XX/XX/XXXX and Experian reports 30 60 30 60 90 days late consecutively from XX/XX/XXXX to XX/XX/XXXX. These are wrong and dont match at all. 
Lets not forget my names and addresses are 100 % wrong. Im really frustrated and disappointed at all of this mess and want it fixed immediately.
Product: Mortgage

Roundpoint mortgage sent me a check. I called they said keep it. Later they wanted it back. I agreed to repay monthly over 5 years even though I shouldn't have had to. I have done what I said, never missed a payment in 7 years. They have charged me almost 300.00 a month in fees and when I confronted them about it they sold my mortgage to XXXX XXXX. So now I have a XXXX deficit in my Escrow because they applied the repayment of the check the wrongfully sent me to fees we never discussed. This was their fault. They have been fraudulently servicing my mortgage for a long time. I believe they did all of this on purpose to be able to charge me a bunch of fees. I have around 100,000 dollars in equity in my house and I'm sure they would love to forclose on it since I only owe XXXX. I am on a fixed income, I have kids with XXXX and I believe they prey on people like me. I can't imagine all the other people they are taking advantage of.
Product: Credit reporting, credit repair services, or other personal consumer reports

ON XX/XX/XXXX I WAS CHECKING MY XXXX CREDIT REPORT AND FOUND MULTIPLE NOON CORRECT UNAUTHORIZED INFORMATION ON MY CREDIT REPORT ADDRESSES PHONE NUMBERS ACCOUNTS AND EVEN AUTO LEASES I TRIED TO HANDLE THIS WITH CREDIT BURUES AND CREDITORS BUT THEY SHOW INFORMATION AS VERIFIED EVEN THO I SENT THEM A PROOF WITH MY COORRECT ADDRESS EMAIL ADDRESS AND PHOONE NUMBER THERE WERE ALSO COLLECTIONS FROM CELL PHONE COMPANIES THAT SOMEONE USED MY INFORMATION AND OBTAINED CELL PHONES AND LINES UNDER MY NAME I ALSO MENTIONED ON FTC REPORT ALL ADDRESSES CELL PHONES THAT ARE NOT MINE
Product: Mortgage

On XX/XX/2020 I was contacted by XXXX XXXX and was told I should consider refinancing my condominium in XXXX, AZ. XXXX is : Loan Officer V.I.P. Mortgage, Inc. 
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, AZ XXXX XXXX XXXX XXXX Some three years earlier, I had used XXXX to originally finance my newly purchased unit and she was now offering refinance terms. 

Over the course of a few weeks, I received requests from XXXX and her staff for documents and to sign online documents. On XX/XX/XXXX I met with a notary provided by VIP and signed numerous documents required by various concerned interests. At each point of contact, I immediately responded with the requested documents or signatures and I was congratulated by XXXX for my promptness. On XX/XX/XXXX, I received an email from XXXX stating that my mortgage was approved and funded. I expected to be contacted shortly thereafter with account and payment information. 

Over the following weeks up to today, I have repeatedly contacted XXXX and her staff asking for accounting information and instruction. Each time XXXX would say that her job as loan officer did not include follow up or loan processing. She would say that she would inquire on my behalf, but never gave me a person to contact. 

On XX/XX/XXXX, I received the attached letter ( XXXX - XXXX Notice of Transf ). The contents and instructions were not clear to me. In response to my emailed concerns, XXXX had a colleague, XXXX, call me and she told me to send {$1100.00} to VIP Mortgage c/o XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX. She said further instructions would be coming soon. A check for {$1100.00} was mailed on XX/XX/XXXX. 

On XX/XX/XXXX, I was phoned by XXXX. I told her I was disappointed in her and her companys poor service. I asked if I was being impatient by asking for where my mortgage account was being held and being contacted with payment instructions. XXXX assumed me that waiting over a month from funding was too long and that she would contact the necessary people to get me the details I deserve. 

On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. She said that VIP sent the loan documents on XX/XX/XXXX and that XXXX XXXX had mailed me account/payment instructions on XX/XX/XXXX. I have not received that letter as of XX/XX/XXXX. 

On XX/XX/XXXX, I was contacted by a XXXX from XXXX XXXX. He stated the conversation by telling me that my payment was due on XX/XX/XXXX and they had not received it. He went on to say that I had a 15 day grace period before late charges apply. I asked him to have a manager contact me.
Product: Credit reporting

I receive an " updated '' status from XXXX instead of a deletion. I originally disputed a series of student load delinquencies ( XXXX ) on my XXXX, XXXX, and Equifax credit scores. I have only missed XXXX payment to XXXX ( DEPT OF ED ), which is now paid to date, and they chose to report this late payment 9 times to the credit company. I have a fairly good score prior to this happening and I want to have it corrected as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have reached out to all of the three credit bureaus and they all said this account was accurate, but upon my investigation and research there are lot of inconsistencies and incorrect information. In accordance with the Credit Reporting act XXXX XXXX Bank Account # XXXX, has violated my rights. 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 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. 
I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : If youre unable to perform a reasonable investigation, or youre unable to locate the necessary documents to investigate my dispute ( s ) ; then you are required by the FCRA to remove the negative information from my credit reports, which can also include complete removal of the account. 
If you were able to conduct a proper investigation of the records for this account, and have identified the information that was being incorrectly reported, please update that information on my credit reports to reflect the accurate information found during your investigation. 
I am also requesting that you send me an explanation of the investigative methods you used to verify my account so I can conduct my own investigation into the accuracy of your records and verify that a reasonable investigation was completed
Product: Checking or savings account

On XXXX, XX/XX/year>, at XXXX CT, I went to my local Bank Of America ATM to deposit {$1400.00} into my spending account to pay crucial bills ( note- I and my family live paycheck-to-paycheck, so this money had a place to be spent and we are losing amenities such as electricity and our car due to this ). I inserted my card into the ATM, as directed, put in my PIN, and followed the steps on-screen to deposit the money into my account. Then, when prompted, I inserted my {$1400.00} into the machine, the cash slot closed, then it sent my card back out with an ERROR page across the ATM screen. However, during this, it did not return my cash. I stayed there for over an hour-and-a-half calling XXXX different times and being told that I could leave where I was and that money would be credited to my account the next business day ( XXXX, XX/XX/year> ). When the money did not appear the next day, I called again and was told that the representative I spoke to did not file my claim whatsoever, and was told by the new representative that they would expedite my credit and it would be there in XXXX business days ( either XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/year> ). The money was not there XXXX, so I called to double check it would be there on XXXX, as that is the cut-off date for my car, phone, and electricity bill payment. I was assured that the money would be there by XXXX. Then, XXXX  comes around and lo-and-behold : I have not been credited! Now, I call the bank once again and inquire as to where my money is, as I was told it would be in my account by XXXX  at the latest. Now, days from the initial issue, I am told that it was never expedited, it will be here minimum 10 days from when the issue occurred, and could take up to 45 days for me to get the money. So, after getting off the phone with that representative I did some additional research and found claim and dispute information from the Bank Of America website, CFPB, and the Department of Financial Services. With this info, I called again and, was told that it would be there in a few business days. However, this contradicted the information I had found, so I stated that. The representative told me that they were correct, however, I had no reason to believe them so I asked to speak to someone of higher rank or authority. This was *rudely* refused so I told them I would be filing a complaint through CFPB and the Department of Financial Services . I was hung up on.
Product: Mortgage

I submitted documents for a HELOC, and the lender ( BECU - Boeing Employees Credit Union ; Routing # XXXX ) lost them. The loan application expired w/out the lender making me aware prior to expiration.
Product: Mortgage

Ticket numbers : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX These are just some of the ways I have tried contacting American Financial Resources about getting our property taxes paid. I contacted them via phone multiple other times with no help in getting our taxes paid. The customer service representatives only stated " it was a process ''. Our property taxes are now 3, almost 4, months over due. We keep getting notices in the mail from the XXXX County VA Treasurers Office. I have emailed the notices straight to our loan company with no response. 

XXXX of XXXX our loan company failed to pay our home owners insurance blaming it on our closing lawyers office. It stated in the paperwork our home owners insurance and taxes were only paid in full for 3 months then the responsibility fell to our loan company. 

We have had issues getting in contact with the loan company. I have called and left voicemails and sent multiple emails.
Product: Credit reporting or other personal consumer reports

RE : XXXX  Block Request To Whom It May Concern, I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX - XXXX - XX/XX//2024 - {$330.00} - XXXX  XXXX XXXX XXXX - XX/XX/2024 - {$2500.00} - XXXX  Please block this information from my credit report within four business days, pursuant to Section 605C of the Fair Credit Reporting Act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following hard pull is listed on my Equifax report : XX/XX/2018 XXXX XXXX XXXX XXXX XXXX. 
XXXX, FL XXXX XXXX I do not recorgnize this. I called this phone number and they are unable to tell me why this credit pull was initiated.
Product: Credit reporting or other personal consumer reports

I just recently looked at my credit report XX/XX/year>. I saw some hard inquiries that did not have permissible purpose. 
XXXX. [ XXXXXXXX XXXX XXXXXX/XX/year> ) This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b 2. XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  This inquiry has no permissible purpose to be on my report. Delete this inquiry due to violation of 15 USC 1681b
Product: Checking or savings account

No they were not properly denied and your team there at XXXX XXXX is horrible under regulation XXXX you can not do this I did not receive my service for these purchases and the company is not making it right so therefore as the card that I used to do it you have you under regulation you have to do something about it the company that I made the purchases to did not provide me the service actually they ripped me off for all of my money over {XXXX} which is under the law something that you guys have to help me with you can't just say no like I said in the original text I know that they passed purchased and everything else I made the purchases but then the company did never gave me the stuff and then they took all of my money oh my god dude you guys are ridiculous man under the law I didn't receive my service and you have to do something about it you have to allow me to dispute these charges you can not just say you have to contact the company no this is a debit card
Product: Mortgage

I paid off my loan in full with Roundpoint Mortgage on XX/XX/year>. 

After getting few legal documents, I kept waiting for ~ {$8000.00} refund of all the funds I had sitting in my loan escrow account. 

Waited about XXXX weeks and called them on XX/XX/year>. to discuss why I have not received the check. Since then, I have made 4 calls to address this issue. Two of the customer support reps were NOT PROPERLY TRAINED to understand the issue. They provided either INACCURATE or INCOMPLETE information. The other two seemed more advanced and more helpful. The in-experienced ones were literally making up stories on the call.

I am now facing an issue of CHECK FRAUD. The check mailed to me by Roundpoint mortgage has supposedly been lost and looks like SOMEONE ELSE HAS CASHED MY ESCROW REFUND check.

Depending who I talk to, I get CONFLICTING stories of what is the real situation. i.e if the situation is that the check is just lost and it is a simple matter of putting a stop on the first check and issuing a 2nd one to me OR the check has been cashed and a check fraud has happened.

At the time of filing this complaint, the issue is still NOT RESOLVED. I AM STILL WAITING for a refund and as the insurance is due now, I have to PAY ON MY OWN while Roundpoint still investigates.

In last 4 weeks of calling them, these are are mistakes made by the two reps 1. Rep # 1 did not know the check had already cleared. Just put a request to re-issue a new check, which obviously, their check department denied.

2. Roundpoint did not fix the issue or contact me. They just closed the re-issue request. NO Communication at all in writing or verbal.

3. Rep # 3 advised exact opposite of what Rep # 2 told about check being cashed. Made it sound as if there is no fraud issue and new check will be issues again soon. Had to call one more time on same day to talk to Rep # 4 to get a confirmation again that it is definitely fraud.

In short, I DONT KNOW WHAT TO Trust from roundpoint mortgage. I am having to QUESTION EVERYTING they tell me. I have asked for a supervisor to call me back after staying on hold for an hour. It is impossible to talk to a supervisor. They never come on line or call back.

SUMMARY In short, I am now facing {$8000.00} of my escrow money lost due to Roundpoint mortgage and check fraud. They have shown utter incompetence to help with this issue and every time I call them to discuss, the story changes. I will not have to pay my insurance out of my own pocket while Roundpoint drives this issue in circles for next few months. 

Disgusted and Disappointed. 
Hope this does not happen to anyone.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been in XXXX  getting my XXXX  for the past several years. I have never had a late payment because I would call and discuss that I am still a student and get the payment deferred until it was time for me to finish school. I have had the creditor call me to discuss repayment and each time they tell me they can defer the payment. Most recently XX/XX/2022 I noticed there was a late payment added to my credit report from Federal student loans. I am very confused because due to Covid payments were deferred and still are. I am not sure why a late payment was added to my credit report and I have reported it to the credit bureau multiple times.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a XXXX secured credit card. They have erroneously reported a balance on the secured credit card to XXXX, Equifax and XXXX. There is not a balance on the secured credit card. Unfortunately this reporting mistake has resulted in a lower credit score. I actually have {$620.00} of available credit ( my money Ive put on the secured credit card ). XXXX has incorrectly reported my available credit as a recurring debt. 

I have tried to communicate this with XXXX as well as XXXX and Equifax. Theyve asked me to file a dispute ; however, I already have another dispute in regards to a loan that has been paid in full, and I have been unable to file additional disputes. But my credit report errors are NOT occurring simultaneously but at different times. 

The only way I know about these errors is because Im paying for XXXX XXXX monitoring. 

Were trying to buy a house, and these errors are costing me money, time and frustration. 

Other than student loans I have no debt. I have {$70.00} in the bank. 

This credit rating system seems to be a joke.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries.