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

XX/XX/XXXX Experian, XXXX and XXXX To whom it may concern, I am writing to update/correct my personal information on file with the three credit reporting agencies. 

Please update my address to : XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX Please update my name to : XXXX XXXX XXXX My only and correct birthday is XX/XX/XXXX My only social security number is : XXXX Please remove all the other addresses off my report, as they are not deliverable to me by the U.S. post office and they are not reportable as per the FCRA, since they are inaccurate. 

Sincerely XXXX XXXX
Product: Credit reporting or other personal consumer reports

ATTENTION : CONSUMER FINANCE PROTECTION BUREAU In a period that includes less then 30 days, XXXX, has feloniously and fraudulently altered my credit report in retaliatory tactics to try and coerce me to stop me from disputing and making complaints if their negligence and unethical practices. For the last 30 days XXXX, has stop me from viewing and obtaining up to date information of my credit file to make sure they are abiding by mandates and standards. As is my right as a consumer. Ive been able to still maintain alerts thru other products Ive had long time service with that monitors my credit report. Today for the 3rd time I received an alert that changes were made to my XXXX credit report that were negative. Today for the 3rd time I received an alert that an account that has been closed and charged off at {$180.00} and has accrued a month to month balance to date in the amount of XXXX ; was again fraudulently and feloniously reopened and and reported as currently missing payments. The first time it was XXXX payments, days later it is now XXXX payments. These are erroneous and criminal additions to my report ; especially while being in an investigative state, and XXXX is doing its due diligence to not conduct and do business by standards and mandates, but by its own egregiously abusive and malicious mandates and regulations. This is an extreme infringement on my rights and I demand they be held accountable, responsible, and accessory as well to in the beginning WORLD ACCEPTANCE/WORLD FINANCE abusive and fraudulent attempts, to now being an individual owner in the injury and harm I have received from a company that is supposed to protect and report accurately ; not abusively and feloniously. As well as the above, in attempts to further cause me injury by not being able to dispute or rectify, I called in today and spoke to a representative named XXXX, I immediately before prompt gave pertinent information, same information on my report to establish and verify my identity. I still was made to answer security questions, same questions Ive always answered as correct and was further denied ; despite being same answers on my report and same questions from previous call days ago. This is tampering with my credit file to hinder me to consumer and owner of said file.
Product: Checking or savings account

PNC will not allow XXXX to access my bank account.
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, CA XXXX Cell phone : XXXX Office : XXXX Email : XXXX Office : XXXX On Sunday XX/XX/2019 I received a called from an 800 number, I answered, and they said it was BEST BUY CREDIT regarding a past due balance, I was not aware of any charge on my BEST BUY CARD. 
After spending about an hour and speaking to 5 different people we finally identified the {$21.00} charged on my account. On XX/XX/2019 I made a purchase online and I chose to be pay with the available credit on the account, it looks like they charged me {$21.00} even though I had more than enough credit to cover the full purchase price. As of today, XX/XX/2019 I still have a {$95.00} credit for purchases on Best Buy, I still don't understand why I was charged if I had {$95.00} of credit available. 
I never received a statement or a past due notice from best buy, also when I attempted to access the online account I was blocked from the system, ( I have access now ). After identifying the transaction, I paid the {$21.00} and a {$26.00} fee in order to bring my account to current and XXXX balance ( even though I didnt agree or authorized the charge ). I made this payment on XX/XX/2019 with a debit card, I was assured the balanced on my account was current and {$0.00}. On XX/XX/2019, best buy reported my account as having an {$86.00} past due balance. I contacted BEST BUY today and I was told they will notify the three credit bureaus that my account is current as paid as agreed, but I honestly don't have much hope they will do it unless I filed a formal complaint. I am sending copy of the {$95.00} credit on my account and the {$0.00} balance on my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent accounts in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any accounts listed on an id theft report. This is not a duplicate nor is this complaint being filed by a third party, I am filing this complaint myself. Please see this complaint is processed to the letter of the law. 
Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of accounts/items which do not belong to me or were opened without my permissionXXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX, XXXX XXXX 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 identity theft, not later than 4 business days after the date of receipt.
Product: Mortgage

Originally my mortgage was approved by lender inXXXX and was forgiving XXXX dollars, unfortunately, fell behind one payment during that time and was kicked off of arrangement. Now my current financial has improved, however, this servicer ( Ocwen ) went to a new servicer ( PHHMORTGAGE ) and send in all documents however they claim that my lender which is the same lender THAT HAS ALWAYS BEING does not do any modification or extensions.
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding the failure of XXXX, XXXX, and TransUnion to properly investigate my disputes related to incorrect negative information on my credit report. Despite multiple attempts to resolve these inaccuracies, the credit bureaus have responded with stall tactics rather than conducting a thorough investigation as required by the Fair Credit Reporting Act ( FCRA ). 


The presence of these inaccurate negative items on my credit report has adversely affected my credit score and my ability to obtain credit. This has caused significant stress and financial hardship. 

Requested Resolution :
Product: Mortgage

This company is constantly trying to steal the money the state sends to help me and they do whatever to cover their tracks. First time they told me I had to get paperwork filed and notified, which cost me money. I told them I was waiting for help from the state and they said I still needed to have to paperwork done and they would figure it out when the money came. They tried keeping the money and using the excuse that I had that paperwork done which they told me to do. I had to file a complaint to get it applied to where it should be. Now the state sent more money and they stole that and said it went to my escrow shortage, which by the way they went up significantly on my mortgage using the same excuse about an escrow shortage. I have already talked to the state who sent the money and the said the money was sent to help me with monthly payments. There is no way I was {$9000.00} short in my escrow but this company will do whatever to cover their tracks to keep the money. I need genuine help, I need to know who I can go to to really get this resolved. They are stealing from people who need it. I was in a bad accident and have my neck, back and a rib broken and can not work right now. That money was sent for my mortgage payments but this company practices shady tactics to steal money from people
Product: Payday loan, title loan, personal loan, or advance loan

BMO bought my loan from Bank of the West and the roll over began in XX/XX/2023. I made my payment on the loan with BMO XX/XX/XXXX and XX/XX/XXXX my bank account was automatically withdrawn for another payment. I never signed up for automatic payments and I never used automatic payments with Bank of the West. XX/XX/XXXX I call BMO with the complaint and ask if they would refund my bank account, they said yes it would take 3 to 5 days. I called back on XX/XX/XXXX letting them know I still have not been reimbursed, I was told if I did not receive payment by XX/XX/XXXX to call back. 
I have also been told that they are not sure if the automatic withdrawal has been canceled for XXXX.
Product: Mortgage

I have three complaints about my mortgage servicing company.

Delayed posting of mailed checks. Checks lost in mail and then found and cashed 30 days after mailed. Inaccessible customer service to resolve simple problems.

It takes between two to three weeks from the date that I mail a payment until my mortgage company acknowledges that they receive the check. As a result, in order to avoid late charges, I must mail my monthly payment to them two to three weeks before the due date. When asked about this delay, they tell me to blame the post office. I do not have this problem with checks to other companies. Is this deliberate?

On two separate occasions, my mortgage company has told me that they did not receive my monthly payment. My payment is due on the first of every month. After I mail the check, they send me an email when it is received. If I do not get this email by the XXXX of the month, I contact them by phone. I confirm that they do not have the check, tell them that I am going to put a stop payment on the " lost '' check at my bank, and then re-send the payment to them directly over the Internet and implement the stop payment, for which I am charged {$40.00} by my bank. Most recently, I mailed my XXXX payment, due on XX/XX/XXXX, on XX/XX/XXXX. On XX/XX/XXXX, I had not received their email that the check was received. I called them, confirmed that they did not have it, told them what I was going to do, and re-sent the money directly to them over the Internet, and put a stop pay on my check XXXX with my bank. My XXXX payment was thus received well within the grace period and I was not charged a late fee. On XX/XX/XXXX, I received notice that they had found and cashed the check. I immediately called their customer service department and told them what had happened and that the check would be refused by my bank. The young lady with whom I spoke apologized and said that she would " handle '' it. On XX/XX/XXXX, I received my monthly statement for XXXX from my mortgage company as well as a letter telling me that my XXXX payment had been refused by my bank, and notifying me that they were going to charge me a {$40.00} fee for a returned check. 
I contacted them again by email and explained what had happened again, and asked them to remove this unfair, additional {$40.00} charge. I also suggested that they ought to reimburse me the {$40.00} charged by my bank for the stop payment. This was their error, not mine. I have not yet had a response from them other than to acknowledge receipt of my email. 

Every month there is an issue with this mortgage company. It is very stressful to deal with them to resolve even the simplest of problems. Their customer service department is an automated, voice recorded gauntlet of undecipherable prompts which lead you in a circle. In order to speak to a human being, it often takes over an hour on hold. If you are lucky, you might get someone who can understand your problem and resolve it. I have seldom been that lucky.
Product: Credit reporting or other personal consumer reports

I sent in disputes to all 3 bureaus about the inquiries on my credit report in XXXX and earlier this month. XXXX and transunion did close one account but all inquiries are still there. I asked them to provide proof and if it weren't provided that they kindly remove all of it from my credit report. It is effecting my report drastically and is getting in the way of me being able to get approved for apartments. Under the FCRA law 15 USC 1681i states that you need to show the procedure taken to verify the information verified on the credit report.
Product: Credit card or prepaid card

My Vanilla Reloadable Debit cards are not available as advertised on the company website. 

The company publishes the following link on their website : https : //www.myvanillacard.com/whereToBuy After going to over 30 of the stores, all have the same display be there are no My Vanilla Reloadable Debit Cards in stock at any of the stores. 

When I called customer service, there are no options to speak to a customer service representative.
Product: Debt collection

Citi Bank has repeatedly been calling me for months on end. They call me around XXXX or more times a day. 7 days a week. Before XXXX and after XXXX even. I have communicated that I had just went through a divorce. & communicated a payment action where they okayed it. I have answered and every person is different and say something different. Ive told them multiple times to stop harassing me and they continue to call
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX XXXX  account # XXXX, XXXX XXXX account # XXXXXXXX XXXX XXXXXXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX. XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX XXXX account # XXXX, has violated my rights. 
15 U.S.C 1681 Section 602A States I have the right to privacy.

15 U.S.C 1681 Section 604A Section 2, It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Checking or savings account

I am writing to file a complaint with Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

I want to inform the 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 ) 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 XXXXXX/XX/year>
Product: Checking or savings account

In early XXXX I received an email from Bank of America advising me that my monthly statement was available. When I printed out the statement, it was clear that one of the checks BoA had cashed was not mine. I immediately called BoA and was told that clearly fraud had been committed and that my checking account should immediately be shut down. I complied and the next day went to my local branch office and opened a new account. I asked about the check in the amount of {$26.00} that the bank had erroneously cashed and was told that the fraud would be investigated and I would be made whole for the check. After several calls, visits to local branch offices and providing the information requested by the bank, I was reimbursed {$26.00} on XX/XX/2021. Inexplicably, on XX/XX/2021 the bank reversed the reimbursement. When I called the Banks fraud department to determine why, I was told that my claim had been denied because the check was cashed. This is preposterous, because it wasnt me that cashed the check, it was the BoA. It seems like Im being penalized for the Banks error.
Product: Credit card or prepaid card

I called XXXX  customer care and then emailed them- they don't answer emails correctly or don't read English. They have me on hold for a long time and when the customer service agent answer the phone they keep transferring me to another agent then to another agent and then all over to different departments as if they are incompetent to answer my question. They have poor customer service and don't answer the phones - extremely long wait times! I ordered on my birthday month which is XX/XX/XXXX - On XX/XX/XXXX I ordered by my XXXX  credit card Order Number : XXXX and I didnt ' get double the points as they advertised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed several disputes in regard to incorrect information on my credit report. Its been over 30 days. I have requested this information be removed from my credit report several times. They are in violation of the FCRA, Fair Credit Reporting Act. I did not give permission to put this information on my credit report this is invasion of privacy. I have no other resolution then to take legal action against Experian and sue them in Court. They are not above the law. They are preventing me from getting a mortgage. Subjecting me to high interest rates.
Product: Student loan

I have been attempting to contact NelNet for several months now. Regardless of when I call during the day, the hold time is over an hour. Once, I waited on hold for two hours before finally being able to speak with a representative. I explained to the agent that I was unable to afford the payment, and I had been paying on this loan since 2003. I have reached out multiple times via phone, website forms, and email, but I haven't received any response on how I can make this more manageable for myself and my family. I'm unable to speak with a live agent due to the long wait times, and I don't have the time to wait on the phone for XXXX hours or more. It's important to note that I didn't originally obtain a loan with NelNet ; I was initially with Great Lakes Borrower Services. This situation is negatively affecting my credit, and I need help. 

Best regards, XXXX XXXX
Product: Credit card or prepaid card

I got a credit card at XXXX XXXXXXXX. I had previously purchased a membership there Using the senior discount for {$25.00}. I had never purchased this membership using this card. This past summer I did not plan to renew the card for a while as I was having major XXXX and would not be going there for sometime. However without my knowledge I was charged {$55.00} For a membership. I called the store and said I had not authorized this purchased and I also called Comenity Bank. I was told by BJs Wholesale that I had to come into the store. The credit card company was rude to me on the phone and refused To cancel it. Finally I was able to go to the store and cancel the membership and the card was credited the {$55.00}. I have since received two bills. Two late fees of {$40.00} And interest for a purchase I never approved. I do not have a membership as if was cancelled. I have contacted the store, corporate office, and bank in XXXX but no response.
Product: Checking or savings account

Any transactions I would make the amount would not be taken but it would show on my ledger then Im thinking its being deducted and it wasnt so I was in the negative all the time. I would just like my over draft fee be put back into my account from when I opened my account. When I would call and state my concerns they would say for me to manage my funds better and ask if theirs anything else I need help with.
Product: Credit reporting, credit repair services, or other personal consumer reports

On the week of XXXX XXXX I spoke to XXXX XXXX XXXX with XXXX XXXX XXXX, XXXX and she told me that after I take care my account with them they would update my credit report reflecting my account is closed and have a XXXX balance and is paid and satisfied and also mail me a letter stating that as well after XXXX business days they receive payment. On XXXX XXXX I made payment like we agreed and called to follow up on XXXX XXXX since I noticed information and remark that was added on my credit reports from XX/XX/XXXX that is not accurate. I spoke to account manager XXXX XXXX who stated that she would have to pull the recorded message so she can verify that the information I gave her were true. After she obtained the VM to verify she said XX/XX/XXXX will update my account to reflect that my balance is " XXXX '' and that my account is closed and paid and satisfied as agreed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXXXXXX XXXX XXXX Account # XXXX has violated my rights. 15 US 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 absolutely can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

ENOUGH is ENOUGH. This collection is not collectible as it is IMPOSSIBLE for a COLLECTION/CHARGEOFF ACCOUNT TO HAVE AN EXISTING PAST DUE. This action will be considered a violation of the FDCPA and FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN XXXX XXXX i recieved notification that i was to recieve a refund check due tocharges associated with the may have contributed to the repossesion of my car on XX/XX/XXXX besides now having a bad credit report from then they finially reached out to me i recieved three letters pertaining to the refund and on one letter it stated tht XXXX XXXX a cosigner of the went into bankruptcy and the the case was closed two mmonthe prior to recieving notification about this refund well weeks went by and i one day called to ask about my check and when i was going to recieve it they gave me the run around at first and then they stated that in there system it shows that i already recieved payment and cashed it i told them it was true and i wanted to file fraud on whoever did it Wells fargo stated that it was out of therr hands that i would have to take it up with the trustee XXXX XXXX out of spokane i stated ive been trying to contact him ever since i found out about refund but any and every secretary of his would tell me the same thing they stated i dont have a case with him i told them i know that but my check went to him and he cashed it and they stated they would take the message and to call back well now being XX/XX/XXXX im still with bad credit nothing got fixed or repaired and im not satisfied with the outcome to my understanding this is a colateral protection insurence not a auto loan and so i requested a copy of my policy several time and i have yet to recieve one one employee even told me he couldnt even check it to c if i was the only one on the policy well as of yesterday XX/XX/XXXX i found out by phone that i was the only one on the policy so regardless of anything else the refund should have never went to the trustee please help