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

This account is not closed. I have filed numerous complaints and have notified the company over 50 times. For some reason they keep reporting the account as closed. And the worst part is they said I CLOSED IT. the account is not closed and i didnt close it. I use this credit card every month and the credit limit just increased to XXXX Credit limits dont increase on CLOSED accounts. This account should be reported as OPEN/NEVER LATE. XXXX XXXX card. Account info Account number XXXX Its reporting closed on all three credit reports. Company needs to fix this. 
Attached statements shows account is NOT CLOSED but open and active.

You can see charges I made and payments I made for the last few months. its an open account!

Why do the continue to report it as CLOSED. makes no sense. its not that hard.
Product: Mortgage

I see that the CFPB has already fined Residential Credit Solutions ( RCS ) with a {$1.00} XXXX dollar fine for illegal mortgage service practices. It seems that RCS has committed the same practices on me. On XXXX/XXXX/2015, I received a letter from my previous mortgage loan company, Residential Credit Solutions, that I was NO longer required to pay Private Mortgage Insurance. Per a recorded conversation with them, it was confirmed that the PMI was cancelled on XXXX/XXXX/2015. However, I continued to be charged PMI in the form of Escrow. I faxed a copy of my complaint along with their original letter to RCS. I received a reply from RCS wth a confusing breakdown that they supplied. Their response as to why I was no longer required to pay PMI, but, NOW have to pay Escrow was not satisfactory, nor, reasonable. Months later, my loan was sold to XXXX. XXXX continues to charge the monthly escrow. I will attach documentation to support my claims with this complaint.
Product: Checking or savings account

This company has provided me nothing but terrible customer service. I mailed some documentation as requested by the company to its legal department- I was told that that I would hear something in 3-5 days after the company received the documentation. It is going on a month and I still have not heard anything. This is the only company that I have had any issues with when presenting the company with legal court documentation. My brother, XXXX XXXX is mentally incapacity - the courts have appointed me his legal guardian to handle all of his affairs. The SSA has advised my brother received an overpayment and requesting that the funds be returned or charges will be sent down for fraud. It really does not matter what the reason is why I need access to this funds as the order states I am over his medical, mental and his income - any assets that he may have in his possession. This company refused to even provide me with a follow-up to my request. My brother is currently institutionalized and does not have access to complete this transaction. He will also not be able to access this for some time now so I am doing this for him and for his behalf. I have called multiple times and the reps just hang up the phone in my face. I will be suing this company for not honoring the court documentation if these funds are not returned to me. The balance was {$1500.00} just a month ago and now it is {$1500.00} - so now this company is just taking advantage and taking funds off of his account instead of returning the funds to me! I have sent my address, email and phone number for the bank to contact me but NO ONE has even bothered to reach out to assist or provide any update. The reference number for this # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please delete the following accounts completely from my Credit Reports : XXXX : XXXXXXXX XXXX Date of Inquiry : XX/XX/2020 XXXX XXXX XXXX Date of Inquiry : XXXX/XXXX/202 EQUIFAX : XXXX XXXX Date of Inquiry : XX/XX/2020 XXXX Date of Inquiry : XX/XX/2020 XXXX : XXXX XXXX Date of Inquiry : XX/XX/2020
Product: Credit reporting, credit repair services, or other personal consumer reports

1

5 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information ; Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX XXXX, account number # XXXX, has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are suppose to 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 or other personal consumer reports

I had a personal loan taken out in my name using my personal information that i did not consent to, I am a victim of identity fraud. This personal loan was done through affirm inc with the amount of {$260.00}. I noticed this when I had checked my credit score around the end of XXXX through XXXX. I had contacted XXXX and informed them that their was a personal loan on my credit score that I had not made. They did an investigation and found that i was liable for the loan despite my claims of identity fraud. I then informed affirm inc of my identity fraud and had them launch and investigation only for them to come back and tell me the same thing, I would still be liable for the loan.
Product: Mortgage

I have repeatedly requested removal of the private mortgage insurance from my home mortgage with Pennymac. They sent me written requirements allowing me to remove PMI based on current property values. However, when requested they refuse to even evaluate this request because I have not paid down 30 % of the original purchase price of my home, despite the home value having dramatically increased. They claim such requirements are XXXX guidelines and they are not allowed to even order an appraisal until I have paid 30 % down of the original purchase price.. I looked at fannie mae 's website under the servicing guide in regards to " Borrower Initiated Termination of Conventional Mortgage based on Current Property Value '' which allows me to request removal of PMI and for an appraisal to be ordered. '' They never disclosed these requirements to me at the time of closing and have no evidence that I ever was made aware or agreed to such terms. They have given me the run around for a couple months and continue to not show me anywhere in writing where this is required. Instead, I continue to pay mortgage insurance each month, and have been for last 5 years.
Product: Debt collection

I was contacted by letter from a XXXX XXXX XXXX by the name of ( Offices of XXXX and XXXX ) This indicates the office is located in XXXX, CA. XXXX and has a phone # of XXXX. 

The letter was not certified, and came through normal mail. The letter starts by saying ( NOTICE OF INTENTION TO FILE AN I.R.S. XXXX FORM. 

It's obvious the letter is a strong arm tactic to get me to pay them {$410.00} on a debt that was charged off on XX/XX/2007. It states the original creditor is XXXX XXXX. They provide no real documentation that this account existed or that it was charged off. They state the original charge off balance was {$780.00} and with interest the amount is {$850.00} Then states the total amount owed is {$1600.00}. 

They provide an account number that I can't verify it existed. The later states. XXXX and XXXX are willing to offer you two lower settlement options then what's owed to the IRS. This is a one-time offer and our last attempt to settle this account before submitting a XXXX to the I.R.S. 

I do know that I settle with a collection company once and will get copies of that from the lawyer I used. I also know that I was contacted by several credit company 's who purchased the debt and tried to collect after settling with that particular company. 

I don't understand how they can simply send out a letter with numbers attached and that is supposed to be satisfactory validation that you owe them money. I don't like that fact this is a strong arm tactic. No different then I am going to tell the police you punched me and unless you give me money I am going to call them. If I owe taxes on a debt that wasn't paid back, shouldn't I have received the XXXX form the year is discharged. which according to them is XX/XX/2007. Why wait almost 11 years. 

In one of the boxes it says they have a federal identification # of XXXX. I think this is unfair collection attempt. If I owe the government taxes, then I should have to pay the taxes once I get legal notice from the I.R.S. not a collection company.
Product: Bank account or service

Opened a CitiGold checking account with the expectation that their signup offer of XXXX XXXX XXXX " AAdvantage '' points would be added to my account, as stated by the offer. After confirming with representatives from the company that the offer was indeed attached to my account, Citi now states that there must be an " investigation '' into my " eligibility for the offer '' when they clearly sent me a message over three months ago stating that the points would be credited to my account XX/XX/XXXX billing cycle. It is now XXXX XXXX, and I have heard nothing but the run-around from Citi.
Product: Credit reporting or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXXXXXX XXXX Balance : {$3700.00} XXXX XXXX XXXX Balance : {$3700.00} XXXX XXXXXXXX XXXX Balance : {$2600.00} XXXX XXXX  XXXX XXXX Balance : {$5300.00} XXXX XXXX Balance : {$1200.00}
Product: Debt collection

Midland Funding has failed to verify the debt after repeated requests. Last week they removed and added the collections to my credit report again resulting in an unnecessary drop in my credit score. When I ask for verification it is my debt, they only supply a copy of a bill. Nothing to verify the accuracy.
Product: Debt collection

I have been receiving debt collection calls for XXXX XXXX for over 2 years now. I have submitted previous complaints against XXXX university and XXXXXXXX XXXX, and Halstead Financial has now called me multiple times as well attempting to collect some debt from XXXX XXXX XXXX They have told me numerous times they will take my number off their call list, but they don't and I still get calls. When I asked them out they got my number, they told me it was left as a point of contact so A ) they are lying because I have had the same phone number for almost 20 years, or B ) XXXX XXXX lied about her phone number some some credit applications or something. The XXXX, XXXX  Police Department has an open identity theft case from 2020 regarding this matter.
Product: Credit card or prepaid card

I made a transaction with my card, on XX/XX/2020 transfer was the transaction I made from my account so I really want to log on my account to view my account statement and perform other transactions I guess I was unable to log on it because someone tampered with my password, so I need you to email a link on how to reset and verify proving am the rightful owner of this prepaid car, you can contact me here .. 
Email : XXXX Mobile number : XXXX XXXX XXXX Thanks you all ..!
Product: Debt collection

I received a text message today XX/XX/XXXX. I called the number back and they told me that they took me to court and that they're going to arrest me if I can not pay half of the Debt but I never received anything in the mail about a court date or anything and this happened back in XXXX. They have all my current information but the debt was done in california. I tried to contact mobile loans themselves. They said it was sold to a 3rd party deck collector XXXX XXXX XXXX  I call That number and they told me that it was sold to another company in XXXX XXXXXXXX XXXX XXXX. I tried to call that company and their number does not go through. The lady told me on the phone that I have 2 hours To come up with XXXXXXXX XXXX or they are sending someone out to arrest me. But like I said I never received anything about me being sued or I would have responded. I am very scared I can not be arrested I have children.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with The Fair Credit Reporting Act, XXXX XXXX XXXX Bank Account # XXXX has violated my rights. 

15 USC 1681 section 602A. It states that I have a right to privacy.

15 USC 1681 section 604A Section 2. It also States a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666 B : A creditor may not treat a payment on a credit card under an open end consumer credit plan late for any purpose.
Product: Credit card or prepaid card

I accidentally sent two payments to my credit card company to settle an existing balance on the card. I contacted Capital One to have the overpayment refunded to me on XXXX. They agreed to send a check using US Mail that day.

After two weeks, I still have not received my money.

Given that this missing money is a major hit to our finances, I checke
d in numerous times with Capital One this past

week to track the progress of these missing funds or to find out ( sooner rather than later ) if there was a problem. Each time I called or online chatted, I was always told the rep had researched the issue and was assured the refund had been processed. Every time I was told I had no choic
e but to keep waiting until its anticipated arrival on or before the 10th business day.

No tracking information was ever available, and no explanation was given why USPS First Class mail took 10 days to find its way between two major cities when in real-life it normally takes 2, maybe 3 at the most.

Meanwhile there was no indication on my online account to show that this payment had been processed or sent, but the online reps told me I just had to wait.

Also, Capital One insisted " business days ' were Monday through Friday, even though the delay ( supposedly ) was the result of USPS service which operates *6* days a week. This meant we had some disagreement about what date was actually the " 10th '' business day - although that eventually turned out to be a moot point. 

" XXXX XXXX '' was the third representative to discuss the problem with me today. After nearly an hour, he finally confirmed the check **was never sent in the first place** despite repeated assurances to the contrary by previous representatives. 

He offered to mail me a refund check by US mail which would take - surprise, surprise, 10 business days. This will have left me without my money for nearly a month. I asked for further assistance since he seemed unable or unwilling to take the obvious corrective steps. I was told he couldn't do anything and someone else would have to call me for further assistance. But, to get this assistance, but I'd have to wait yet ANOTHER 48 hours.

Unsurprisingly, 48 hours passed ( yesterday ) and no call from Capital One. 

I called again today and after several escalations was told I would have to wait for someone from their Executive office to contact me later. So ... another delay. 

Capital One continues to hold my money against my explicit instructions and wishes.
Product: Checking or savings account

XX/XX/year> : I had several health expenses that I wanted to reimburse myself for and attempted to link my checking account with XXXX ( serviced by XXXX Bank - routing # XXXX ). The website reported an error that said, " the routing number is restricted ''. 
XX/XX/year> : I emailed HSA Bank 's customer support and requested that they unblock the routing number. 
XX/XX/year> : I received a reply that I would need to call into their customer support because, " this question is more accurately addressed when a back-and-forth verbal dialogue can be utilized ''. I replied by asking for the answer in writing and insisted that they call me if it was necessary. 
XX/XX/year> : I received a reply stating they would call me. 
XX/XX/year> : I received a call and was given a simple explanation of, " they aren't a brick and mortar bank, so we don't do business with them ''. I pushed for more detail and was told it is a company policy and there was no recourse. I asked to receive this information in writing and they refused. The call lasted 2 minutes. 

This is very frustrating and nonsensical : 1. This is the checking account I use for everything - my mortgage, my car loan, all of my utilities, and credit cards. It's FDIC insured. I don't understand the distinction they are making. 
2. Their solution is mailing me a check which I am able to electronically deposit into the same account that I wish to be able to link and do an EFT instead. I requested checks on the 6th and still have not received them. Why are they involving paper and postage and delaying things for a week when it can happen electronically in a day?
Product: Credit reporting or other personal consumer reports

I have been asking Experian to record my mortgage payments from XXXX XXXX Bank to my credit report and my wife 's credit report. Time and time again Experian has told me that the problem is with my mortgage holder ( XXXX XXXX XXXX XXXX  I have asked XXXX XXXX XXXX to research this problem many times as well. XXXX XXXX has researched this issue and concluded that they are indeed reporting correctly to all three credit bureaus, but Experian is the only Credit Bureau not reporting my payments. After a third request to investigate this matter by XXXX XXXX, the bank reported to me that the problem was due to Experian not reporting my payments because I did not " Reaffirm MY Mortgage Payment '' after filing XXXX XXXXXXXX Bankruptcy seven years ago. I was advised to contact my Bankruptcy Attorney for advice, and I did contact her. My attorney told me that Reaffirming my Mortgage Payment had nothing to do with my XXXX XXXXXXXX Bankruptcy, Reaffirming payments applied only to XXXX XXXX XXXXankruptcy. My attorney said there was no reason my payments should be blocked from my Credit Report and the payments should be listed just as they are listed on XXXX and XXXX. 

I would also like to find out if there is a way to file a grievance against Experian. I wasted three or four months of payments to Experian. I signed up for Experian XXXX XXXX and it was of no help at all. I would just receive phony notices about my credit score and how it was changing and improving but here was NO CREDIT SCORE! Now Experian will not allow me to file a dispute.
Product: Credit reporting

I had an account with XXXX in XX/XX/XXXX, I closed the account but was late with the final payment. However did pay the full amount XX/XX/XXXX. For some reason they are showing the account late 90-120 days in XXXX and XXXX of this year XX/XX/XXXX. I have disputed it, XXXX said that they confirmed with them the account was closed XX/XX/XXXX and paid in full but they will not fix it. I have called several times over the past few months and been very patient waiting but today after 30 minutes on hold and discussing it with a woman identifying herself as XXXX and a Supervisor in Pennsylvania she would not fix it. I asked to do a XXXX way call with XXXX and she refused. It is an obvious mistake but all she said she would do is dispute it again which I have done 2 times. When I asked for her supervisor she hung up on me. 
It is only Trans-Union that is reporting this incorrectly. I have spent several hours over several months trying to rectify it. XXXX said there is nothing else they can do to correct it as they have sent the correct information. 
In my previous calls I would have to speak with multiple people from XXXX and give them my personal information over and over which made me uncomfortable. No one I spoke with would give me any kind of employee number and everyone would tell me something different. 
Please help me. I has dropped my credit score XXXX points
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I was looking at my XXXX XXXX, There a few inaccurate things on my credit report that I never authorized or gave anyone the authority to run my credit. Some of these things never even came off after the 2 years so I'll add them also. All should be deleted from my credit report Ttbom XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX The first 3 I never gave anyone authority to run my credit so I believe that to be fraud. 

The other 2 I was told by both companies should be off my credit report