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

On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 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. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX C U XXXX Balance Owed : {$20000.00} XXXX XXXX XXXX XXXX Balance Owed : {$860.00} XXXX XXXX XXXX XXXX Owed : {$14000.00} NASA XXXX XXXX Balance Owed XXXX {$22000.00}
Product: Mortgage

My mortgage was recently sold by XXXX XXXX to Roundpoint. No problems with XXXX XXXX, but that is not the case with Roundpoint. 

On XX/XX/XXXX, I received a form letter from Roundpoint stating that they received a payment from me that was short of the necessary amount by {$50.00} or less. This is absolutely false. This is also the second letter like this they have sent me. The payment my bank sent matches the payment I was required to make according to my mortgage statement from them, and it also matches what they show I paid. It also matches what I was paying to XXXX XXXX. 

Then the same day, I received a new mortgage statement from them increasing my payment, with no explanation what so ever. Calling their customer NO SERVICE number is futile, it is geared to only extract payments from people, not to actually provide service. 

The law requires them to notify me if my payment increases due to an escrow shortfall, and allow me the option to pay it upfront or over the course of 12 months. I have received no such notification, nor have I received an escrow statement showing payments in and out. 

I filed a complaint with Roundpoint online and have heard nothing. Trying to call in and speak to a live person is futile. There was no option to do so. 

Normally, if I experience this level of difficulty with a loan servicer, I could just go refinance the loan with someone else, however, with inflation and the current interest rates, I would be looking at more than a XXXX  point increase in interest, which is likely the reason they are being so difficult, they don't want to service a loan paying 3.25 % interest when a new one would be 6+ % interest. 

They also send out statements on the second day of the month, showing me past due, when my payment isn't past due ( late ) until the XXXX. XXXX XXXX didn't do this, they sent out statements after the XXXX. 

This is predatory behavior. If you look online, Roundpoint has terrible customer service ratings and alot of complaints for exactly the same behavior, and their response is always the same.
Product: Money transfer, virtual currency, or money service

An account was opened at XE under my email. I submitted all required information/personal data, including a photo of myself, the amount I expected to transfer per year, and my currency pair USD/MXN. I entered into two contracts to transfer money for legal services in XXXX, for a probate matter in XXXX for which I am the legal US representative. 

I received an email receipt for XXXX for XX/XX/XXXX. XXXX was debited from my bank account. I received an email receipt for XXXX for XX/XX/XXXX. My account was closed with no explanation given. XXXX was debited from my bank account. I phoned and waited 40 minutes ; there was nothing she could do or say. I wrote an email, and they confirmed they could no longer assist me any further, and XXXX would be refunded to my bank account on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a XX/XX/XXXX I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.
Product: Credit card or prepaid card

Bank of America says they issued me my XXXX card which I never recieved I didnt even know the card existed due to XXXX locking me out of my account and just recently I finally got in contact with XXXX and they told me I had been paid out to call Bank of America so I did and there is no funds in the account I guess somone got ahold of my card and drained they acount it has been like 45 days already and still no funds they denied my claim at first but Ive sent all documents they requested in a timely manner Claim Number : XXXX I have another 2 claims open and 4were resolved in my favor but its been 45 days for thee others
Product: Credit reporting

Recently I received my homeowners policy bill for XX/XX/XXXX. I noticed that my policy amount had increased over 10 %. I made inquiry regarding the increase, and was told that it was because of my credit score/ and credit comments. My credit score ranged from XXXX - XXXX, XX/XX/XXXX. I have excellent credit scores. I was told that because inquires were made on my account, this was the reason why, my insurance policy rate was increased. I asked the person I was talking to this question! Each time companies checks my credit score or history, my credit score, is negatively being impacted. The person 's response was, " Yes ''. Why would a person 's credit be negatively impacted, simply because they are trying to find better rates of insurance on their homes, and/or autos? This does not make any sense. I could understand if a person, received credit, or incurred some type of increased debt, their score would be negatively impacted. However, simply inquiring or seeking to get better insurance rates, on their homes, vehicles, or seeking credit, should not negatively impacted, their credit scores. The system is indeed rigged. A person 's credit is dinged each time an inquiry is made, and they are dinged again, if they obtain credit, or increased debt. " What is wrong with this situation? '' Please can someone tell me why this is the case? Impacting a person 's credit, after they get the credit might be appropriate, but doing it simply for making an inquiry, is double jeopardy. I am requesting that the Consumer Financial Protection Bureau, investigate this matter. American Citizens, are having to pay higher rates for credit, insurance, and other financial transactions or instrumentalities, simply because inquiries are made into their credit history. Credit Card companies, and other institutions are receiving XXXX dollars, because of this practice. It should be illegal, for these institutions to decrease a person 's credit scores, solely because inquiries are made into their credit history. If a person 's credit scores must be adjusted or negatively impacted, it should be done, if and only if, credit is issued ... XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX ... Email : XXXXXXXXXXXX Tele : XXXX ...
Product: Credit reporting or other personal consumer reports

According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged XXXX XXXX, not later than XXXX XXXX days after the date of receipt. 
XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX Balance : XXXX XXXX XXXXXXXX Balance : XXXX
Product: Credit card or prepaid card

I have spoken with XXXX from the Executive Office and he was able to offer a solution for the mishandling of the 3 accounts and reimbursed for all international transactions as here investigated and deemed all fraudulent that were made on all XXXX of my credit card accounts. I have been reimbursed for two accounts, not this one. I am missing credit balance of {$3900.00} as these were omitted from the original fraud claim by your staff in addition to the international fraud transactions of {$3400.00} The reimbursement for {$200.00} was received several months ago was prior to the re-investigation and prior to the reinvestigation process by the executive team and is incorrect.
Product: Vehicle loan or lease

On the day of XX/XX/2021 I signed a contract with XXXX XXXX XXXX. At the price of {$44000.00}. I was not provided with the type of notice of my rights to rescission under the Truth in Lending Act ( TILA ), 15 U.S.C 1601et Seq this is required by federal. Upon reviewing my contract, oblations, and rights as a natural person operating in commerce, I noticed that there are several violations present which nullifies the contract pursuant 12 CFR 1026.3 named XXXX in XXXX. Per the Congressional finding of XXXX as well as my due diligence, " It is the purpose of this subchapter to assure a meaningful disclosure of credit terms so that the consumer will be able during the consummation of the contract XXXX XXXX did not disclose my right to rescind. Thus being the case, pursuant 15 USC 1635 I have the rights to rescind my initial consent to pursue the pervious terms. I conclude this letter with a demand for you to return my initial down payment since you failed to mention that my finance charge was all I needed to complete the deal and that the cash payment was only of benefit to you. 15 U.S code 1635 ( b ) ( F ) I ask that you return my Down payment of within 20 days of this notice by law. I understand that I no longer have the car but will like my down payment money returned to me. 

You can contact me at XXXX or XXXX. I look forward to a speedy resolution to this matter. 

Best regards, XXXX XXXX
Product: Credit reporting or other personal consumer reports

Consumer Name : ( XXXX XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/year> ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, EXPERIAN, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of bogus ACCOUNTS AND addresses. 


The account in my name that stems from the identity theft : XXXX XXXX XXXX acct # XXXX A copy of an FTC report listing the Accounts opened in my name is enclosed. My consumer FICO credit report now contains fake accounts as a result of this Identity Theft. A copy of your consumer FICO credit report, which includes the aforementioned bogus account. The aforementioned accounts as reported, are unfamiliar to me. The Accounts listed above is the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # XXXX and A Police Report # XXXX XXXX XXXX as official documentation from the US Federal Trade Commission demonstrating that the Accounts listed above are all the product of fraud and identity theft.
Product: Checking or savings account

XX/XX/2023. I have cash app and XXXX was taken from my account. Cash app told me I allowed this. I never allowed it. Someone even bought XXXX on my account don't know them an didn't authorize this. Emailed cash app repeatedly they did nothing 2 years down XXXX XXXX and still no reimbursement
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax should not be reporting a collection on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over the time frame allowed to be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this however, I have not been successful.
Product: Checking or savings account

XXXX accusing Wells Fargo Atm Specialists in the case of XXXX XXXX XXXX XXXX of fraud and transphobia in the Atm department at the Wells Fargo XXXX XXXX XXXX Ca XXXX 
The atm XXXX told med told me I had won the case and I spent the money. No staff explained to me, to save the money just in case, the case doesn't go in your favor. 
I believe XXXX XXXX are a fraudulent online business, and they work out of XXXX XXXX XXXX and you can not call or get a hold of anyone except online via email. XXXX reporting this business to the FBI Fraud unit and Wells Fargo XXXX XXXX XXXX as well. For not making it clear on my case and because of your lack of good communication. XXXX out of my ssi check for the month and have no way to pay mortgage food, utilities and pay bills. Wells Fargo bank and staff have put me in a compromising and hardship position. And my credit possibly affected. Wells Fargo bank didn't not take care of me as a customer. XXXX in a precarious situation because of their lack of communication and transphobia. I don't know how many times I have said i go by he him and his and my name is XXXX. I get dismissed or blamed on the phone line. 
In one day, XXXX in the negative approx. {$2400.00}. from a credit reversal that no one said anything to me about. This decision is based on no evidence of manuscript, and I thought I had won, and I didn't get a chance to show my emails evidence, all gone and the XXXX has all the control and emails. I thought I had won by a letter from Wells Fargo sent me in the mail, putting back the money and fought for me and I had won and deleted the account and 3 months later get hit with a negative balance that affects my lively hood. Financially Wells Fargo actions, put me in the 6 feet underground. I don't have an account with XXXX. They have all my pictures, notes and work. They broke the contract by talking to you. And did they show you the email the collaborator writer said she would give back the {$1500.00} she didn't do the work. I wanted to discuss the {$980.00} I didn't believe the collaborator did about {$500.00} worth of work. Not professional writing and a huge disappointment. I was on a time payment schedule to make timely payments and the 2nd payment isn't ok for the changemakers to have. This is stealing. That is my money. For work that wasn't done. I talked with the writer after the money was sent on the agree contract. I have called the FBI and another business organization that will investigate this matter with XXXX XXXX and Wells Fargo in XXXX  Ca. The company has everything. They have the control. This is a Fraudulent business. I need help proving this. Thank you.
Product: Checking or savings account

On numerous occasions I would have enough funds in my account and still charged multiple fees. And return fees as well. Because of Wells Fargo Im unable to pay any of my bills electronically.
Product: Credit reporting or other personal consumer reports

I am writing to formally request that you cease all communication with me regarding the debt you are attempting to collect. Pursuant to 15 U.S.C. 1692c ( c ), I hereby request that you immediately stop all communications with me concerning this debt, including any communication through credit reporting. Under the Fair Debt Collection Practices Act ( FDCPA ), once a consumer requests in writing that a debt collector cease communication, the debt collector must stop all communications, except for the following exceptions : To inform the consumer that the XXXX  XXXX efforts to collect the debt have been terminated ; To notify the consumer that the XXXX  XXXX  or creditor may invoke specified remedies that are ordinarily invoked by them ; To notify the consumer that the XXXX XXXX or creditor intends to invoke a specified remedy. This requirement was reinforced in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX ( XXXX XXXX 2010 ), where the court emphasized that XXXX  XXXX must adhere to a consumers request to cease communication under 15 U.S.C. 1692c ( c ). Additionally, any reporting of this debt to credit reporting agencies after this notice will also be considered a violation of the FDCPA. Any further communication from your office regarding this debt, including through credit reporting, will be considered a violation of the FDCPA, and I will pursue appropriate legal action. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX
Product: Debt collection

I have attached a cease and desist letter and a letter requesting that this alleged debt be validated by Coast Professional , Inc. I do not have any agreement with this company nor do I owe Coast Professional, Inc. anything! I do not know why this company has any of my personal information. Coast Professional , Inc. is attempting to collect an alleged debt amount that is not accurate and I have proof!
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX, AM A VICTIM OF FRAUDULENT ACCOUNTS REPORTING ON MY CREDIT PROFILE, THAT NEED TO BE REMOVED IMMEDIATELY. 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

Equifax Department of Education Upon doing a recent review of my credit report. Ive noticed that their are inaccuracies with the Department of Education. XXXX account number ( XXXX ) has Discrepancy in the balance, account number, date open, date closed, account rating, creditor type, payment status, last payment, account type, payment frequency. Not to mention the inaccuracy of the payment history. 

XXXX  and XXXX XXXX are reporting different from what you are reporting. If this is the same account being reported by the same creditor, how are these numbers and other verbiage different? 

Because of this apparent neglect, and ensuring that everything on my account is accurate, consistent and up to date. Please delete this account immediately because of the negligence of the original creditor and in inaccurate information that is supplied. 

I have enclosed a screenshot for your viewing pleasure. Please see all of the highlighted sections that I have outlined for you. 

Thank You XXXX XXXX
Product: Credit card or prepaid card

Summary : In the monthly statement ending XX/XX/XXXX, American Express charged me an interest amount that is XXXX times that of interest that I actually owe. 

Detail : In the preceding statement period, I paid off the minimum balance due ( {$35.00} ) before due data ( which was XX/XX/XXXX ) and the remaining statement balance ( {$670.00} ) a day after the due date ( on XX/XX/XXXX ). I have a promotional APR oXXXX XXXX XXXX till XX/XX/XXXX. Based on my calculation, the interest I am subjected to on my remaining statement balance is ( XXXX {$670.00} ) XXXX = {$0.00}. However, American Express charged me {$1.00}, an amount that is almost XXXX times that of what I actually owe. When I reached out to American Express about the issue, they said that I am wrong, that they calculated the interest amount correctly, and that this is how their " system '' calculates interest payments for everybody.
Product: Credit reporting, credit repair services, or other personal consumer reports

SYNCB/HOME DESIGN XXXX ( Synchrony Bank ) has sent me account documents that support I paid the account in full on XXXX XXXX, XXXX and the account was closed. Please see attached for the legal records. 

XXXX is reporting that SYNCB/HOME DESIGN XXXX reports that I was late paying the account in XXXX, XXXX, and XXXX of XXXX. This is not possible as the account was paid in full in XXXX XXXX and closed. XXXX is showing incorrect information on my credit report despite multiple attempts to get this information corrected. 

I am suffering quality of life issues given my credit score is severely reduced due to this reporting error that has no merit to be on my account.
Product: Vehicle loan or lease

I purchased a car from XXXX on XX/XX/XXXX. Bridgecrest was the lender through XXXX. We secured a much better interest rate through our credit union, XXXX XXXX XXXX XXXX ( XXXX ). XXXX send a check to pay off the loan that was received at Bridgecrest on XX/XX/XXXX. The first payment on the loan was due XX/XX/XXXX. I called after tracking that the check from XXXX had been delivered. I was told it takes about 10 day to process the check. I made the loan payment to Bridgecrest while waiting. I called Bridgecrest about 10 days later ( around XX/XX/XXXX ) and was told it had the check still had not been processed. Made 2nd payment to Bridgecrest. I called Bridgecrest on XX/XX/XXXX. Was on hold for close to 2 hours waiting on a supervisor after I was told AGAIN that the check had not been processed. I called today XX/XX/XXXX and it still has not been processed due to employee shortages. THIS IS POOR BUSINESS and NOT MY PROBLEM. 
Bridgecrest has had the check for 45 days and has not processed.
Product: Student loan

Dear CFPD, I am writing to express my deep frustration and concern regarding my recent interactions with Navient. I reached out to request the Navient School Misconduct discharge application to get my loans discharged due to attending XXXX XXXX XXXX XXXX XXXX XXXX XXXX This institution, along with other XXXX XXXX XXXX, has been found guilty of misconduct and fraud. 

However, my experience with Navient has been extremely disappointing. I was transferred from representative to representative, with none of them addressing my request adequately. One representative even claimed that the application either does not exist or is in the early phases of being rolled out. This statement is contradictory for two reasons : firstly, they initially claimed the application doesn't exist, and secondly, I am aware of individuals who have already received this application. 

This inconsistency suggests that Navient is selectively distributing the discharge application, which is unfair and potentially unlawful. Withholding or denying access to this application from borrowers who have a legitimate right to it is unacceptable and could be considered a form of misconduct in itself.