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

I am submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to 15 U.S. Code 1681c-2, this is my statement that all of the listed accounts have been reported without my expressed, written consent and therefore is a result of identity theft and must be removed. These accounts are not related to any transactions made by me, the consumer.
Product: Mortgage

I purchased a home in XXXX 2004, it was a conventional ARM withno income verification or documentation, based on my good credit score. 
I was not able to get a refinance and was to by the servicer of the loanthat I did not qualify for a loan modification after at first telling me that Idid. However, I was later served with foreclosure papers and have beendefending myself in court for the last 3 1/2 years against Everhome Mort.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my reports, the incorrect accounts were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of unverified accounts without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

In 2001, I enrolled in XXXX in XXXX, Colorado ( later moved to XXXX, Colorado ) for the XXXX program with XXXX servicing my loan. As you may or may not be aware, XXXX is now closed due to an investigation into fraudulent practices. When it came time to repay my loan with XXXX, I did so as directed. In doing so, I noticed many times that no matter when I made the payment, the next statement would show up showing I owed late fees. I attempted to pay early so that I would n't accrue late fees and still they would show up on the following months statement. Phone calls to XXXX were not helpful, if responsive at all. 
Later, the national recession hit and I got well behind on my loan. So much so that I had a garnishment put on my wages. XXXX, through Pioneer Credit Recovery, started me on what they called a rehabilitation program in order to bring my loans current. I finished the program and believed that my loan was current and that, as ( now ) Navient explained in their correspondence, all negative effects would be removed from my credit. However, apparently the rehabilitation program only affected my Federal loans and did not rehabilitate the past due private loans. These private loans still show as delinquent on my credit report. Navient made no attempt to inform me that the rehabilitation would n't repair my entire account. 
Each month, I pay {$150.00} through automatic payment to Navient. Yet with them still showing that loans are delinquent, my balance never goes down and my credit is in major disrepair.
Product: Credit reporting or other personal consumer reports

Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian has neither corrected nor removed disputed items despite the evidence | provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.
Product: Credit reporting or other personal consumer reports

* Creditor Name : [ WFBNA CARD ] 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 I disputed numbereous times, and this is causing me hardship the company hasnt sent me any letters back, any contracts and is unresponsive
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX  ( XXXX XXXX ) account number 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 customer reporting agency can not furnish an account without my written instructions.
Product: Debt collection

wages are being garnished by Eaton group attorneys for a debt that i am unaware of. they said they served me papers that i did not get or sign for. i asked for proof of this debt and that it belonged to me and i did not receive anything. they do not answer the phone or return calls.
Product: Student loan

I owe a HUGE outstanding amount on my student loans and somewhere along the way Navient stated that I was OVERAWARDED by my school at some point during my college years. However, my amount owed is still over {$260000.00} and I do n't understand how I got to that amount. In addition, I was giving forebearances even when I tried to make some type of payment arrangements and was told to use my forebearance and now I do n't have free time left to defer my payments that will be more than I can afford to pay. I also ca n't register for college because of the amounts listed with Navients as an XXXX.
Product: Debt collection

RASH CURTIS & ASSOCIATES Account number XXXX  Recent balance {$1200.00} as of XXXX/XXXX/XXXX RASH CURTIS & ASSOCIATES Account number XXXX  Recent balance {$700.00} as of XXXX/XXXX/XXXX RASH CURTIS & ASSOCIATES Account number XXXX   Recent balance {$530.00} as of XXXX/XXXX/XXXX this collection company reported numerous collections on my credit report. I do not recognize these charges or the original creditors XXXX XXXX  county, dental office and parking authority ... what is this for ... My numerous attempts to request validation from rash Curtis went ignored, for 3 months now I have written them with no response, I called only for them to ask for my phone # and social and now they are calling me non stop and said they will be calling sheriffs office and garnishing wages .... I simply wish to know what these fees are for and if they are mine as I always pay my bills on time and have a good reason to believe that there may be a mistake on their behalf. please help me to resolve these issues damaging my credit
Product: Debt collection

This is the second time that someone from XXXX has contacted my employer at home. I told them the last time that this was my employer 's home number and that it was unacceptable for them to contact him at his home. They assured me they were going to remove the number and it would n't happen again, but it has. 

How do I fix this?
Product: Student loan

Navient is mishandling my payments. As I always do, I sent my payment in the form of a XXXX XXXX money order. That way I can easily track it. I have learned from experience. 
On the money order is my account number, my name and my address. 
I always send the payment by priority mail again so it can be tracked. I send the money order to the P.O. Box for the borrower. 
The XXXX payment was delivered on XX/XX/XXXX at XXXX. to an individual according to the Post Office tracking. 
I checked my account on XX/XX/XXXX to find it was " Over due ''. I called XXXX XXXX to check on the status of the money order, it had not yet been cashed. 
I called Navient and they had no record of the money order. They took the information and said I had to send them a copy of the front and back of the money order. At XXXX XXXX, they received the faxed copy. 
As of XX/XX/XXXX, the account is still flagged as overdue. The money order was cashed on XX/XX/XXXX. I called and again spoke with Navient. They have submitted another ticket. 
This is the 2nd month in a row that the funds have been misappropriated.
Product: Debt collection

Contacted creditor for proof of this debt to validate this is actually my responsibility. Creditor sent me information related to this debt that proves it belongs to someone else.
Product: Checking or savings account

In XX/XX/2023 I opened a new business checking account online and funded it with {$200.00} via credit credit card and {$3000.00} via ACH transfer. The {$200.00} deposit never showed up, so after about a week or so, I called in. They said they didn't have any record of that deposit. I decided to go into the XXXX, CA branch and spoke to the branch manager. He said he couldn't see it on his end either and to contact my credit card company.

I contacted my credit card issuer ( XXXX XXXX ) and they said everything looks find on their end. The {$200.00} had been charged to my credit card already. At this point, I reversed the charge since I didn't want to be out {$200.00}. A week after this, the {$200.00} deposit showed up in my account, so I canceled the charge reversal. 

Awhile later, US Bank debits {$200.00} from my account and freezes it. I call in again, and they said they thought it was fraud so froze and are going to close my account. I did want the account still at this point, so I go into the XXXX, CA branch again and speak to the manager. He makes some calls, and the end result is that there was nothing that could be done. The account was slated for closure. Fine. 

Fast forward to over 30 days later, they are still holding my funds. There's over $ XXXX still in the account and I can not withdraw or transfer out. This is unacceptable. I feel like my account is permanently in limbo with no resolution. I just want my funds back at this point and am disappointed in how this is being handled. I felt like I had no other choice but to file a CFPB complaint.
Product: Checking or savings account

In XX/XX/2021, I discovered quite a bit of charges made to my account which caused for me to dispute certain items. I contacted my bank and filed a complaint with CFPB. While this investigation was taking place I had very little activity on my account. After the complaint was closed I locked my card so that I could have very limited activity on my account until I was able to review my account again. Recently, I have to come to discover my bank account continues to grow into a large negative balance. So on XX/XX/2021 at XXXX XXXX  I contacted Bank of the West to inquire about fees on my account when I have not used the account. There were two  recent charges to my account in which I explained that I cancelled membership on this account way back in XX/XX/2021 and was unaware of these charges. Advised representative about noticing deposits on my account and on or after the deposit I keep getting charged fees which ultimately are resulting in my account being charged fees on top of fees. Representative stated she was unable to see what item or transaction the fee was for but it was for something. I asked to have someone call me and go over account with me and she stated that I needed to go into a branch to discuss my account. Advised the nearest branch is over 60 miles away and that was the only option I had. Disputed those charges AGAIN on Bank of the West account. Contacted CFPB to investigate my fees AFTER deposits.
Product: Mortgage

On XX/XX/2023, I was notified that my home mortgage was sold by XXXX XXXX XXXX to a new company, NewRez. Both XXXX and NewRez sent me emails and mail that said I wouldn't have to do anything, my payments ( which I had authorized to be deducted bi-monthly ) would continue to be automatically processed on the XXXX and XXXX of the month. NewRez said " We are looking forward to being your new mortgage servicer. As a reminder, your loan will officially transfer to us on XX/XX/XXXX, and the auto draft payment arrangements you made with XXXX will transfer to us automatically. Good news, theres no action you need to take. '' XX/XX/XXXX was the last payment that was automatically made to XXXX. NewRez began automatically deducting the same amount bimonthly beginning on XX/XX/XXXX. They then deducted the same amount on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

However, I got an email on XX/XX/XXXX from NewRez saying they had not received my payment for XXXX. I called and told them I had authorized XXXX, that NewRez had represented that that authorization carried over to them, and they had in fact charged me on XX/XX/XXXX and XX/XX/XXXX already. For some reason, they waited until XX/XX/XXXX to automatically charge the second half of the XXXX payment, but that was not my fault as I had no control over their automatic debit process. 

They admitted they made a mistake and I expressed concern that it would have a negative impact on my credit score. They claimed it would not because I was within a 60 day window of the transfer of my loan. I said, OK, but also it should not reflect on my credit because it was their error and I was in fact all paid up. They said they were having problems with their bimonthly payment processing, so I asked them to switch me over to a standard once a month payment plan. I expressed concern again that ( a ) they were not handling the automatic deduction properly and then accusing me of paying late and ( b ) they did not seem to be applying my payments to my account. They promised they had figured it out and I would not have any more issues. 

Despite that, and despite me changing over to monthly payments because I didn't trust their ability to handle bimonthly payments appropriately, they charged me another bimonthly amount on XX/XX/XXXX ( after I had switched over ) AND they also charged me a full month payment on XX/XX/XXXX. So by XX/XX/XXXX, they had already charged me XXXX the amount I owed for XXXX. 

Reviewing my statement, I saw that they had charged me {$5900.00} since the loan switched over in early XXXX, while I had only owed {$3900.00}, so I was overpaid by {$1900.00}, but perversely their records showed I was in arrears and my principal had not been reduced because they had not applied the payments to my account. 

Also on the statement they sent me, I saw that I was charged for a " skip trace '' to XXXX, which suggests they did actually ding my credit rating.
Product: Credit reporting or other personal consumer reports

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

Hello, I reviewed my consumer reports and noticed that I had a Charge Off account from XXXX  XXXX XXXX Account number : XXXX Reported XX/XX/2022 on my Equifax consumer report. XXXX XXXX XXXX have : assumed a vital role and have a responsibility to report Consumer information to the best of their ability with XXXX XXXX IRS Clearly defines a Charge Off as Gross or Ordinary income, Income does not get reported on the consumer report. Which in fact makes the reporting of this account inaccurate. 

XXXX XXXX Code XXXX - Responsibilities of furnishers of information to consumer reporting agencies ( a ) Duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors 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. 
Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. 
Prohibition : a law or regulation forbidding something As Defined by The IRS. 

Late Payments Also the XXXX XXXX XXXX  is reporting Late Payments on this account. Late payments are illegal. 

XXXX XXXX XXXX ( XXXX ) Exclusions.Except as provided in paragraph ( XXXX ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; My Transactions or experiences with your company by law are excluded from my consumer report. I need this transaction or experience deleted from my consumer report.
Product: Mortgage

I received a mortgage statement dated XX/XX/20 requiring a reinstatement fee of {$45000.00} within 10 business day can you supply a breakdown of the 1. - {$7100.00} in escrow please send the breakdown of how you arrived at this figure 2. XXXX in late fees please send the breakdown of how you arrived at this figure 3.  {$8300.00} XXXX in XXXX XXXX XXXX XXXX please send the breakdown of how you arrived at this figure 4. {$5400.00} unapplied funds please send the breakdown of how you arrived at this figure 6. {$890.00} attorney fees please send the breakdown of how you arrived at this figure 7. {$800.00} attorney fees please send the breakdown of how you arrived at this figure 8. {$11.00} property inspection please send the breakdown of how you arrived at this figure In addition i am requesting inclusion in the Emergency Forbearance Plan and my rights covered under the Cares Act and any other plan offered to delay defer fees and payments for 12 months 9. Has any agency including but not limited to Goverment, State , County directed you Bayview or XXXX to proceed with Forbearance or delayment of payments and fees without requiring mortgagees to file documents to get this consideration?
Product: Checking or savings account

I have disputes from XXXX as some of the peoples numbers was wrong and some they was suppose to give me a refund. I want all these XXXX disputed and money returned i have put in the disputes and Im telling the truth
Product: Money transfer, virtual currency, or money service

I need to be able to connect my banking accounts to my stock trading account so that I can transfer funds safely and electronically
Product: Credit reporting or other personal consumer reports

PLEASE BLOCKED AND REMOVED I strongly recommend removing this suspicious entry from my credit report. It is not mine, and its presence is very concerning. Please take the necessary steps to correct this inaccuracy.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem started with the credit report Equifax created for me in the year of XXXX making my date of birth XX/XX/XXXX, while I worked for XXXX XXXX XXXX after being laid off for a week and going back to work with my daughter 's SSN as my SSN and later all other applications that have been filled with my daughters SSN number instead of my SSN number and the fraudulent through XXXX XXXX in the year of XXXX, after realizing the in the year of XXXX that the loan was fraudulent I filed several reports with the FTC, Police Dept, and Consumer Protection Bureau of Arkansas. I filed a claim through XXXX XXXX XXXX XXXX, which represents EQUIFAX, which as of today XX/XX/XXXX, I have not receive any response from the company on my claim and it has been two years with no response at from the insurance company. Like I have stated in many of the complaints I have filed with you all Equifax is the reason I am no longer at XXXX XXXX XXXX putting me into situations of creating hostile and criminal activities against mY daughter and myself for the past 19 years going on 20 years. My daughters and I are part of the Equifax Data Breach for the year of XXXX which has tremendously put me in a crisis for the past 19 years of my life from jobs to financial matters that has been overwhelming to me to recover from this loss since I left XXXX XXXX XXXX in the year of XXXX.I started at XXXX XXXX XXXX on XX/XX/XXXX or XXXX of XXXX, not in the year of XXXX XXXX
Product: Checking or savings account

I deposited a check for {$5100.00} on XX/XX/2022 inside Chase bank located at XXXX XXXX XXXX XXXX XXXX, IN XXXX. I was told by the Chase Teller my deposit would be available XX/XX/2022. My deposit is still not available. I contacted the Chase Bank customer service number at XXXX on XX/XX/2022 and I was told my deposit was not available and they are holding my deposit incase the company ( XXXX XXXX XXXX which is a local organization dedicated to assisting people in financial hardship situations and providing education programs ) would take the deposit back. Chase has caused my account to go into the negative. Chase is currently causing me late fees and charging me overdraft fees. Chase needs to be investigated for this extremely discriminatory action against my account and ordered to pay all of my associated late fees and cancel the overdraft fees they are charging me. Chase is further causing me financial hardship and placing me deeper into debt. Chase is causing my credit score to decline further as well. My lights can be cut off, my car could be repossessed, I can not pay my bills and I am now accumulating more late fees due to this unfounded deposit hold Chase has placed on my checking account. I was also told on XX/XX/2022 by a Chase Teller located at XXXX XXXX XXXX XXXX XXXX In XXXX ; I could not close my account with the hold they have placed on my deposit.