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

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Mortgage

this company we have been in misundestanding since they bougth our loan from another company we have called many times in the past XXXX years talked to so many people no one knows anything and we have to explain again and again we have all in good standing since we were on XXXX  XXXX but they always sending charge or payments for us to make besides regular monthly payments they dont have solutions only harassment we have explain them with evidence we visit an oficce here in PR with evidence so many times they keep calling us harassing us and its been 2 years and nothing its been done since nobady follow up or dont know .well this is puting us on a XXXX XXXX XXXX XXXX and we dont know what else to do we dont owe them anything but regular payments which are made month over month, they have not even told us what its the reason or from where was the origin of the money they say we have to pay we are really tires of this cpmpany know they are sendin certified mail on and on from a legal firm of attornies harrasing some more we nned help to prove with evidence that we are in good standing and that they have something wrong this company work very agresive as a lender company anybody call without the info to charge us in every call we are tired of explaining
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : XXXX  XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXXXXXX Balance Owed : {$0.00} XXXX  XXXX Balance Owed : {$330.00} XXXX XXXX XXXXXXXX Balance Owed : {$410.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform the XXXX and TransUnion Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) XXXX and TransUnion CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! 
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 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: Mortgage

I have a conventional mortgage with impounded taxes and insurance that is being serviced by RoundPoint Mortgage, INC. I pay my mortgage in in full and on time every month, often with additional principal applied. 

I'm in the process of trying to refinance this mortgage, and through the process my new lender had a tax certificate search done which show delinquent taxes due for XX/XX/XXXXand XX/XX/XXXX that I was unaware of. 

I received the tax certification document on XX/XX/XXXX and I immediately called RoundPoint through their customer support line at XXXX. The customer service rep recorded all the information I had on the issue, assured me repeatedly that RoundPoint would cover any delinquent taxes and fees, and gave me an email address to send the documentation to. After we got off the phone I immediately sent the documents through to the email address XXXX. I received an automated response back, signed by XXXX XXXX stating that my documents had been received. 

I waited several days to hear back from Round Point. When  I did not hear anything back, I called in again to the customer service line and spoke with a rep about the issue. I was told that an escrow tax specialist, XXXX XXXX, had been assigned to work on the issue and that he was due to have it completed XX/XX/XXXX. I requested to speak to XXXX or to be given a way of communicating with him, and was told that it was impossible for me to reach him. 

I called the customers service line again on XX/XX/XXXX and was informed that the due date for my " task '' had been extended to XX/XX/XXXX and was told by the rep I spoke to, and her manager, that there was nothing more they or I could do. 

I called again on XX/XX/XXXX and spoke to a customer service rep named XXXX. I was told again that the due date for my " task '' had been extended. XXXX told me there was a note on my file indicating that a certified copy of the tax bill was required, and had been ordered from XXXX XXXX XXXX, the delinquent tax collector for our property. XXXX assured me that RoundPoint would cover all delinquent taxes and fees and that someone would be in touch soon with the resolution. 

I called again XX/XX/XXXX and was again informed that my task due date had been extended. I asked the customer service rep to read me the notes on my file, and the last note on there was still the one about requesting the certified copy of the tax bill. I informed the rep that it was now well over a month that I'd been waiting on the resolution to this delinquent tax issue, and that it appeared that no one was working on resolving it. I demanded resolution of the issue and communicated that I would be filing complaints against Round Point for their failure to handle this issue and for their unfair treatment of me as a customer. 

In over a month of seeking resolution for this issue, I've have received ONE phone call from Round Point, and that was only because I demanded the customer service rep call me back on XX/XX/XXXX before close of business to update me on the issue. Beyond that, there have been no attempts to contact me from Round Point at all.
Product: Credit reporting or other personal consumer reports

Subject : Request for Loan Discharge Due to Data Breach and FERPA Violation Dear Sir/Madam, I am writing to formally request the discharge of my federal student loans due to a significant data breach involving my confidential student aid information. On Friday, XX/XX/XXXX, my personal and financial data was compromised when XXXX, a XXXXXXXX vendor contracted by the Department of Education , accessed my sensitive information without my consent. This unauthorized access constitutes a direct violation of the Family Educational Rights and Privacy Act ( FERPA ), which safeguards the privacy of student education records. 
The breach has exposed me to potential identity theft, financial fraud, and other serious risks. As a result, I no longer have confidence in the security of my data or the integrity of the loan servicing process. This breach has caused significant emotional distress and financial uncertainty, and I believe it is only fair that my federal student loans be discharged as a result of this negligence.

In addition to the FERPA violation, this incident raises concerns under other federal privacy and data protection laws, including the Privacy Act of 1974, which mandates that federal agencies protect individuals ' personal information. The Department of Education 's failure to safeguard my data has directly impacted my ability to trust the system and has caused irreparable harm. 
I kindly request that you provide me with detailed information regarding the steps being taken to address this breach and protect affected borrowers. Furthermore, I urge you to discharge my federal student loans in light of this egregious violation of my privacy rights and the potential long-term consequences of this data breach. 
Please confirm receipt of this letter and provide a timeline for resolving this matter. I am prepared to provide any additional documentation or information required to support my request. 
Thank you for your prompt attention to this serious issue. I look forward to your response. 
Sincerely, XXXX XXXX
Product: Money transfer, virtual currency, or money service

So I had put up a XXXXXXXX XXXX on XXXX XXXX XXXX and this guy had to pay for it using Wise and I had to send money to verify this XXXX in gift cards and they had then asked for an extra XXXX so I sent that as had to borrow off a family member as they said it would be given straight back and they have now asked for a further XXXX and I dont have that money and all they are doing is demanding it and I cant give it to them and they keep promising that if I send it I would get it straight back, the first XXXX I sent they say they dont receive even though it says on my bank that its gone through and Ive showed it to them.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX-Mailed a dispute in regards to a collection for XXXX XXXX on my Equifax credit report. 
XXXX-Written dispute received by Equifax and signed for baby a XXXX XXXX. 
XX/XX/XXXX- I had not received notification from Equifax in regards to my dispute. 
XXXX-Called Equifax in regards to the dispute was informed that the results had been submitted to the online dispute portal on XX/XX/. I requested the results be mailed because the results were no longer available online and I also asked why were results of the dispute sent to the online portal since I mailed my dispute to Equifax however Was never given a response but was told I receive the results via mail in 7-10 days. 
XXXX-I still had not received by dispute results so I called Equifax again and was told again that I would be receiving the results via mail in 7-10 days. 
XXXX-I have NOT received the results of my dispute and I don't use the online portal because I've had technical difficulties with the online portal that Equifax has not resolved so I've not used the online portal for any dispute process in nearly a year.
Product: Credit reporting

I am a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I therefore request that it be closed immediately. I also request that Equifax absolve me of all charges on the account, and that you take all appropriate steps to remove information about this account from my credit files. 
Enclosed is a copy of my Identity Theft Report supporting my position, and a copy of my credit report showing the fraudulent items related to your company that are the result of identity theft. Also enclosed is a copy of the FTC Notice to Furnishers of Information, which details your responsibilities as an information furnisher to credit reporting agencies ( CRAs ). As a furnisher, upon receipt of a consumer 's written request that encloses an Identity Theft Report, you are required to cease furnishing the information resulting from identity theft to any CRA. 
The Notice also specifies your responsibilities when you receive notice from a CRA, under section 605B of the Fair Credit Reporting Act, that information you provided to the CRA may be the result of identity theft. Those responsibilities include ceasing to provide the inaccurate information to any CRAs and ensuring that you do not attempt to sell or transfer the fraudulent debts to another party for collection. 
Please investigate this matter, close the account and absolve me of all charges, take the steps required under the Fair Credit Reporting Act, and send me a letter explaining your findings and actions. 
Accounts Listed Below need to be deleted from my credit file : XXXX XXXX XXXX XXXX - ( Collecting for XXXX XXXX ) XXXX XXXX, XXXX XXXX XXXX : Identity Theft Report Copy of Credit Report Police Report for ID Theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to delete these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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

The items listed below are reported on my personal credit file and were found in my reports with XXXX credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( XXXX ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card

Hello, I reported three fraudulent Transactions to Chase on XX/XX/year>, totaling over XXXX in unauthorized charges. Chase flagged the three charges as fraudulent, closed the account/ card, and issued a new credit card. Today ( XX/XX/XXXX ), I noticed that the exact three charges had reappeared on my credit card as a valid charge, so I contacted Chase immediately to let them know that the same fraudulent activity had appeared on my account and locked my account as well. 

They informed me that someone in the recovery department had deemed the charges to be valid, which is why they were appearing on my account. They deemed the charges valid because they were made within 20 miles of my home, which is incorrect. 2 of the 3 fraudulent charges came from a merchant in XXXX, CO, and I live in Connecticut. Chase was very little help in trying to get the dispute resolved and noted that their fraud recovery department would contact me in 14 business days. I asked to be transferred to a supervisor and the customer service agent said that no one was available. I am extremely frustrated with Chase Bank and the way in which they handled a customer who has been with them for over 15 years. I should not be held responsible for unauthorized charges, nor should I have to spend several days on the phone with Chase, trying to prove that they were unauthorized. If Chase had done their due diligence, they would have quickly confirmed that I have never purchased any products from the three merchants who put through fraudulent activity on my credit card. Thank you for your assistance in this matter.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I went into you store located in XXXX, NY to pick up a few items. Shopping experience was fine. At the register I was asked whether I wanted to join your frequent buyers club and get 10 % off the current purchase. I said yes. The young lady at the register was apparently not familiar with the process so she called over an older gentleman who seemed to be a more senior presence in the store. He asked for my drivers license explaining that it would be easier to enter my information. This all made sense to me at the time and I made a joke that the frequent shopper sign up seemed more intense than other stores. I told the gentleman repeatedly that I did not want and would not use a credit card. The next thing I know, Im approved for a credit that I did not ask for and do not want. At no time did I give permission to access my credit. XXXX acting as an agent of Synchrony Financial or vice versa accessed my credit without my permission and creating an hard inquiry on my credit report.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX- have all filed to properly investigate negative items and closed accounts as requested on my accounts ( XXXX XXXX ) Which has had a negative impact on my ability for home loan approval and Improperly reinserting inaccurate information on consumer reports even after i have completed FCRA investigate in 2024 with no resolve.
Product: Credit reporting or other personal consumer reports

I have reviewed my report and noticed incorrect information. I would like this to be updated.
Product: Credit card or prepaid card

I was scammed and unauthorized extensive charges were all made on XXXX on my AMEX CARD : XXXX XXXX {$200.00} XXXX {$200.00} XXXX {$400.00} XX/XX/XXXX {$200.00} XX/XX/XXXX {$1000.00} XX/XX/XXXX {$400.00} AMEX rejected my claim of fraud. I phoned on XXXX and was told not to worry that they would take care of this - then I received my monthly statement with all these charges. Called this date XXXX spoke to 2 separate AMEX individuals and they refused to deduct these fraudulent charges. Been a AMEX customer is excellent standing since XX/XX/XXXX.
Product: Debt collection

XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) of XXXX XXXX has directly and indirectly engaged in racketeering activity. See attachments.
Product: Credit reporting, credit repair services, or other personal consumer reports

SEE HERE IS THE ISSUE WITH YOUR HORRIBLE CREDIT BUREAUS. THEY ALL ARE OUT FOR MONEY? 
I THINK ITS XXXX SHAME HERE AT THIS NATIONAL CRISIS TIME TO BE ASKING PEOPLE TO PAY MONEY TO HAVE THEIR CREDIT FILES MONITORED. WHO IN THE XXXX CAN AFFORD TO DO THIS MONITORING MESS? Not to mention, this other Scam that XXXX  has going about the XXXX  your Credit Score? XXXX  run these fake advertisements telling consumers to list one of your major credit cards that shows that you pay your utilities with then XXXX  will so call XXXX  your credit scores up to 50 points. Total lie! I did the XXXX scam with XXXX  credit bureau to help try to get the extra credit XXXX  for my CREDIT score, It comes to find out this credit XXXX  thing with XXXX   was nothing but a fraud. After you register your credit card info with XXXX  credit bureau they send you a fake email saying theyre still trying to track your utility payments showing up on your credit card you registered with XXXX  so they can XXXX your credit score but XXXX   do no such thing! things like this is what your agency MUST stop these National Credit Bureaus from doing. Its a Crime! 
OK because its a total scam to get people to spend money with them. the more you spend with these fake lowlife credit bureaus then they will help you with your score. I dont think so! every consumer earns the right to their own score by working hard to pay their bills best they can especially during this horrible National crisis! 
I as a consumer CAN BARELY PAY RENT AND UTILITIES NOT EVEN FOOD OK SO SICK OF THIS! Why keep putting me through this UNNECESSARY STRESS. 
DONT YOU PEOPLE THINK WE CONSUMERS HAS BEEN THRU ENOUGH! STOP THIS MESS RIGHT NOW. TRANSUNION/XXXX   SHOULD HAVE NEVER ALLOWED THIS KIND OF THING TO HAPPEN WITHOUT CONTACT ME AS THE CONSUMER FIRST. WHY DO THESE CREDIT BUREAUS JUST GO AHEAD AND POST all kinds of crazy XXXX ON HARDWORKING CONSUMERS CREDIT FILES WHEN IN THE FIRST PLACE CREDIT BUREAUS HAS NO PROOF THAT THIS IS REALLY an ACCURATE DEBT? Consumers should be given the benefit of the doubthow do we know a fake creditor is plotting to try to extort money? I can understand that some consumers never even think about checking these kinds of mishapBUT I DO because I AM DESPERATELY TRYING HARD AD XXXX TO BETTER MY CREDIT SO I CAN START MY OWN BUSINESS. STOP ALLOWING THESE CREDITORS THAT I HAVE NO IDEA OF KNOWING SABATOSH MY CREDIT REPORTS! LOOK AT ALL OF THIS MESSI am finding on my credit reports. Please make this STOP!
Product: Mortgage

Subject : Forclosure dispute, Ive owned since XXXX Ive had my home sold since XXXX have a signed contract, funds ready to transfer, been in contact with the mortgage company, pending a signature from my ex -wife..??? 
On Monday, XX/XX/XXXX with I called SPS and spoke with several individuals ( relationship managers ) regarding postponement of my foreclosure sale, a woman named XXXX, explained to me on a recorded phone call, if I can send proof of funding that day they would post pone the auction sale. I called back after sending the information spoke with XXXX and then XXXX who confirmed They received it that day. By XXXX XXXX. I Icalled XX/XX/XXXX I spoke with XXXX, she told me that auction had progressed despite them telling me it was postponed, transferred me to ombudsman I left messages, then I called and spoke with XXXX referred me to XXXX telling me property was sold, I spoke with XXXX I was referred to attorney XXXX XXXX I left a message also with them I spoke with XXXX Who transferred me to XXXX and she helped me file this dispute with SPSERVICING I was on recorded phon calls with my title company and buyer with SPS when they told me auction was postponed thank you for your prompt attention to this matter. I am requesting 7 to 10 days postponement that I may provide funds to resolve this matter either a reinstatement or for payoff. Now Im Trying to remediate and close the sale, So can move on with my life. This company has been trying to get my property for two years now theyve approved modifications, Ive paid them, theyve misappropriated payments I still have unapplied funds in my account they have for no reason, canceled my modifications three times, they have dozens of lawsuits for this, Im seeking proof of my mortgage from XXXX XXXXXXXX XXXX in XXXXto SPS and not gotten any proof that they can provide ... etc..
Product: Credit reporting or other personal consumer reports

Thank you for your assistance in addressing some of the fraudulent information on my credit file. However, there remain unresolved inaccuracies that must be removed. In accordance with FCRA Section 605, you are legally obligated to remove any inaccurate records. I have previously submitted the relevant documentation, which I am enclosing once again for your reference. Please be advised that my attorney is fully apprised of the situation and prepared to hold you accountable for any further non-compliance. 
XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I asked for a supervisor 3 times was not given one. Would not give information. I gave him the complaint number asked for a supervisor igave him all my information again got no where. How hard can it be to get my birthdate correct. I requested a Equifax report be sent to me, updated as has not been updated since XX/XX/year>. Never got a response.
Product: Credit reporting or other personal consumer reports

In light of the XXXX data breach, I froze my credit at XXXX and XXXX. However, I have not been able to freeze my credit at Equifax. Whenever I try to freeze my credit on the Equifax website, it presents me with an error that reads : " Please give us a call. We can't complete your request at this time. Please call the Customer Care team. '' When you call the Equifax service number provided, the robot tells you to freeze your credit on the website ( which, as stated above, does not work ). 

I have tried multiple times to speak to a human agent and can not reach one.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the XXXX XXXX XXXX law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX FIN XXXX