23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I am a member of navy federal credit union and had a checking and savings account with them. They closed my savings account for some odd reason when I had {$5.00} in it to keep it open till I got paid, unfortunately they closed it and now they won't let me open an account till I pay a charged off account which was my checking account. They had no reason to close my savings, I've always had a savings with them and would always deposit cash into my account. Now everywhere I try to open a bank account I get denied instantly.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am in the process of working with a mortgage lender to get approved for a VA Mortgage loan. The mortgage lender sent me a copy of what is showing in their underwriting system. Navy Federal Credit Union is currently reporting that my home is in foreclosure and payments are over 180 days late. This was last reported in XX/XX/XXXX. I briefly fell behind on my mortgage payments after I was furloughed from my job. I have been current on my mortgage payments since early XXXX, well over a year. I called Navy Federal Credit Union twice to have this corrected and to request a letter stating I am current on my mortgage payments. They have refused to provide a letter before 5 to 7 business days or immediately correct their fraudulent credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

Someone used my information without my authorization to get a house or apartment and now they are coming after me and tarnishing my credit report. They contacted me from XXXX XXXX XXXX saying I owe {$3400.00} this is outrageous please help!
Product: Credit reporting or other personal consumer reports

Experian is not a trustworthy credit reporting service. 

1. Frequent, unsolicited email from Experian even after requesting to be unsubscribed from all emails. Logged on and opted out on all email, and yet they still send me email about my credit report just because they have my email address.

2. Falsely reporting status of my accounts. All are paid as agreed, but Experian is sending out information about delinquencies that don't exist.

3. Still receiving offers of credit in the mail after fully opting out. I logged into Experian and found daily " creditmatch '' inquiries. I did not request this service, and there is no way to get it to stop. They occur every single day over the past year.
Product: Credit reporting

I had multiple collections removed from my account, from dispute, all in which are 2+ years old.. within a weeks time these where all added back onto my credit reports as OPEN accounts, adding to my balances ... THESE NEED TO BE REMOVED! they where disputed and removed, and now have been added back on! how is this possible?
Product: Credit reporting, credit repair services, or other personal consumer reports

I have an inquiry from XXXX XXXX  that I did not authorize. I have contacted Trans Union regarding this issue and also contact XXXX XXXX. Unfortunately, my request has been denied. Again, I am requesting the inquiry be removed immediately as I did not authorize this.
Product: Payday loan, title loan, personal loan, or advance loan

i was laid off do to XXXX XXXX  so i was late on payments but i did pay them but they wont take off my credit file i have reach out them but no resspone i took loan on XX/XX/ XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX providing erroneous false information about my credit to and providing a score that is more than 200 points lower than XXXX, Transunion, and XXXX.They reported odd things that adversely affected my credit score such as maintaining a cellphone number that I have had for over 20 years and as military veterans I was stationed in different states but still maintained same number. XXXX stated this as being adverse due to " distance between address and area code of phone, '' I have lived at my current address for over 9 years and they reported " length of residence too short. '' Other two " length of time since most recent delinquency too short and too many delinquency too short '' which are both fault. They listed my credit score as XXXX. I have never in the history of my credit ever had a score in the XXXX. Whereas other reputable credit bureau list my score XXXX points higher at XXXX and XXXX. 

Transunion, XXXX, amnd XXXX also reporting erroneous information that I disputed. I have no deliquencies on my account. Nor was I deliquent on any mortgages. I request they follow up and update my credit report accordingly with accurate information.
Product: Credit reporting or other personal consumer reports

I have a random late payment showing up on XXXX different accounts. I have tried disputing with the bureaus and have not heard back from them about the results but the late payments are still showing up on my reports. Please help me in getting the late removed from my account. I've been set up on auto payment with both accounts and should have no late payments. Thanks
Product: Checking or savings account

As you can see from the attached copy # XXXX, when I draw from my Debit card {$900.00} on XX/XX/XXXX because of the bank closure in my area ( XXXX, NY ), I got a piece of receipt which says, the remaining available balance was {$57.00}, after a transaction I made {$100.00}, {$28.00}, and {$1.00} on the same date. To justify my word, just look at the attached copy # XXXX above the highlighted date balance of XXXX on XX/XX/XXXX and XXXX on XX/XX/XXXX even I didn't do any transaction at this date. Since then the problem started. Just by assuming this balance, I had a transaction {$52.00} on XX/XX/XXXX to close my account by leaving XXXX for their statement charge. I assume that they closed their door and no ATM machine around, so closed by drawing my money. After all this date till to date XX/XX/XXXX, they charge my account XXXX for which I don't have any idea in the fancy name of service charge, overdraft fee, monthly maintenance fee.
Product: Money transfer, virtual currency, or money service

Earlier today, I was attempting to purchase concert tickets to a show at XXXX XXXX XXXX in XXXX, CO. In recent years, the ticket prices for these events at XXXX XXXX amphitheater have become very expensive, so I can really only choose one to attend each summer. I'm a XXXX XXXX  studying at XXXX XXXX, so money is already tight and I spend most of the summer saving to help get through XXXX. Anyways, I decided to go through XXXX to find tickets for the concert. I found an advertisement that said " 3 tickets for sale '', and I contacted the seller 's phone number. I expressed over text message that I was interested in buying three tickets for a total of {$210.00}, following the $ XXXX/ticket price tag that was included in the XXXX advertisement. I was purchasing the tickets for me and two of my good friends, who were planning to reimburse me after I had acquired the tickets from the XXXX ad. Essentially the communication between me and the XXXX vendor was discussing how we wanted to do the exchange of tickets/ how to pay for the tickets. He provided me with his full name, email, and phone number. He immediately asked if I had XXXX payment on my phone, to which I responded yes. I use Chase bank, and I had used XXXX previously on the app before, but only a few times with my mom for XXXX payments, so I didn't really understand how it truly worked. I immediately assumed a false sense of security because I was using a money transfer feature within the Chase banking app on my phone. When using the Chase mobile app, I assumed that Chase would protect any payments made through THEIR OWN APPLICATION. Anyways, the XXXX vendor told me that he had transferred the tickets to the email that I had provided him. I sent him the {$210.00} over XXXX once he told me this. I started to panic quickly when I saw that the tickets hadn't come through to my email and the seller had my money. I tried to call him back, but he had blocked my phone number immediately. 

My first reaction was to call Chase and ask them if they could refund the transfer I made within their own app, and they told me there was nothing they could do because XXXX was a separate company that is linked with multiple banks to do mobile transfers through banking apps. The whole time I was using Chase Quickpay with XXXX, it was never apparent that this is a third-party software that Chase had no control over, but had seamlessly integrated in to their mobile banking application with little warning to their customers that payments aren't protected by the bank itself. I had money stolen from me straight out of my Chase banking application and there was nothing that I could do about it, and the Chase was not willing to help me at all. {$210.00} is a lot of money for a XXXX student that barely makes {$100.00} in a full 8 hour workday. I can provide proof of the communication between me and the vendor, and the payments made through XXXX. Chase bank should also have records of me calling them today explaining the situation, and afterwards when they said there was nothing that they could do.
Product: Mortgage

I asked for a loan for boa, in the amount of XXXX with a five percent down, everything was going fine until the underwriter said it was impossible to comute form XXXX to XXXX where I work, so the bank wanted XXXX more because of my comute, I feel that is not fair to assume such thing, so I had to close the loan out after losing about XXXX in lawyer fees and a check to the broker to start the process.i feel boa should have told me upfront that they had problems with my commute.this was informed to me on XX/XX/18, two weeks into the loan process when my loan officer was telling me everything was all right.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my fourth endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 XXXX00}.
Product: Debt collection

I received a random call from Advance Collection Bureau in XXXX of 2023 stating that I owed two different medical debts for services that I can not confirm are true or accurate. On the phone I requested information pertaining to the debt owed which included an itemized bill, who the original creditor was with address, and stated without a doubt that I was disputing the medical debts as I have yet to receive a bill related to any owed medical debts from any potential alleged creditor. The individual informed me that I needed to provide the dispute in writing and I immediately requested them to mail everything to the address on file including all details pertaining to the debt as I did not have an address to communicate with Advance Collection Bureau in writing. The individual told me that he was going to submit the bills to the credit bureau if I did not pay the bills of which I informed him that submitting debts to the credit bureaus was a violation under FCRA and medical debt under a specified amount was not allowed to be submitted. He told me he could and would do it and then hung up on me. Since I did not receive any paperwork as is required within the 30 days of the request and notice to dispute, I thought the matter resolved until today when I saw an alert on my credit monitoring of debts issued by this company in these amounts. It was only then that I had a name for the company that was saying I owed medical debt.

To date, I have yet to receive any communication regarding the two debts. On the phone I was told the first debt was for {$97.00} and the credit alert cites the bill is for {$93.00} and was reported to the credit bureaus in XX/XX/2023. The second debt was reported as being {$1300.00} and submitted to the credit bureaus in XX/XX/2023. As of this filing, I am still waiting on communication from the debt collector to accurately account for the debt in the manner in which they are legally responsible to communicate with me as I told them to no longer call me and that all communications must be in writing.

Advance Collection Bureau has failed to adhere to the basic requirements of consumer debt laws and other protections in place to include the reporting of medical debt that is less than {$500.00} to the credit bureau. Additionally, I never signed a HIPAA release form with Advance Collection Bureau regarding this debt and therefore I believe my HIPAA rights have been violated with their handling of my medical debt file.
Product: Credit reporting or other personal consumer reports

on my XXXX report I have a XXXXXXXX XXXX  which is an hard inquiry on XX/XX/XXXX that I didn't apply for. also on my XXXX I have a XXXX XXXX of XXXX missed payments, and a XXXX of XXXX missed payments and not knowing about the XXXX 



on my XXXX report I have XXXX hard inquiries that I have no knowledge on. 
XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXX/XX/XXXX i've sent certified Cease and desist letters to the bureaus to get some understanding. I went as deeper to start freezing my secondary credit report. I take my Credit history very seriously and know that Federal law requires you to respond within 30 days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you on this matter, for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX v XXXX XXXX XXXX, XXXX. XXXX ( C.D.Cal. XXXX XXXX ), you may be liable for you willful non-compliance.

please help me in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

Facts : The Bank in Question is named XXXX XXXX Bank aka the XXXX XXXX XXXX 's payment was reported as 60 days past due Bank has my correct email & mailing address on file. 
Bank has my business line, with a robocall blocker, as my primary contact number. 
XXXX Mortgage payment was received and withdrawn from my account on time. 

On XX/XX/22 I contacted customer care because my credit monitoring service notified me of a delinquent account. After speaking with XXXX @ customer service, she found that the XXXX payment was made on time AND withdrawn from my account, but it was short by around {$100.00} due to an increase in the payment due. It seems there was an escrow shortage I wasnt aware of. She informed me that the funds were being " held '' in a suspense account instead of being applied to my loan. 

I immediately made a payment for the shortage AND another payment to cover what would be a XXXX shortage. My payments are automatically paid by my Banks BillPay service, so XXXX payment was already issued. She assured me that the late fee would be waived and that the delinquencies would be removed from my credit by XX/XX/22. I spoke with 3 other XXXX XXXX representatives, over the course of 3 weeks, that assured me the issue would be resolved, but nothing was done, nor did I hear back. On my final call, I told the agent that I would be contacting the CFPB if I did not hear from someone regarding my issue. After a few days, I got a call from the XXXX of Customer Relations, who is named XXXX. She explained that she reviewed my case, payment history, and spoke with her credit department. While she agreed XXXX XXXX received the funds on time, they are still considered late due to the shortage, and they were not willing to do anything to remove the delinquency from my credit. I argued that : 1. I was never called. XXXX said I was called 9 times but I never received them due to the robocall blocker. 2. I was never emailed, which is my primary form of communication, and the way I receive my statements 3. I was notified by mail AFTER the delinquency was reported. 4. The funds were not rejected or returned to me. My primary argument is that if the funds are accepted and withdrawn from my account then the payment can not be late. It is my belief that a partial payment is still an on-time payment, especially when it's 95 % paid. If nothing more, a human being could have contacted me to notify me that I had a shortage. 

I can provide documentation evidencing the on-time payment, but that's not really being disputed by either party. It's that a partial payment, being held by the bank, should not be considered late without being rejected or refunded. If further documentation is needed please let me know so I can provide them. I've kept records of my payment history, bank statements, emails to the bank, etc.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have received multiple inquiries on my credit profiles. From unknown sources.XXXX, XXXX, TransUnion in the past. I was victim of my identity and personal information being exposed. Only hard inquiries should be on my report is XXXX. XXXX XXXX  on TransUnion, and XXXX XXXX. On my XXXX  profile. I since placed security freeze on my profiles. Attached to this complaint is police report, and fedral trade identity theft report number.. XXXX is knowingly reporting over XXXX fraudulent hard inquiries. Address that dont match my id. XXXX is also still blocking me from see my credit report after I purchased the monitoring subscription through XXXX website.
Product: Credit reporting or other personal consumer reports

I have contacted Experian 8 times in 2 months and never get accurate information as to why when I dispute things they come off and come back on and its the same companies. I was told it was because these companies have my information and put it back on and I said that goes against the fair credit reporting act .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Im suppose to be notified when a company or anyone reports on my credit report. Im unhappy what is the point of a security freeze when anyone can just put anything on your credit report with out the credit bureau providing proof this is yours or contacting you to let you know this is happening. They contact you on email to let you know about credit card offers but never notify me when in accurate information is being put on my credit report .This has happened to me 22 times now is not fair credit reporting and Im a consumer and am not able to fix this issue and experian is not reporting accurate information pertaining to my personal information my credit score keeps going up and down because of this and my livelihood is being effect from this and I have no way of fixing this issue myself and I can not get any assistance from the company reporting this on my credit these companies and experian have been giving numerous letters and they had 30 days to contact and correct these inaccuracies on my report and havent very frustrated and need assistance
Product: Checking or savings account

i had an account that frozen on XX/XX/XXXX due to a dispute now i was told that everything will be taken care of in 30 days but it has almost been 60 days and the problem has not been resolved i have almost XXXX in truist bank and i run a business so that have plummeth since the funds have been witheld so can you please help they giving me the run around
Product: Credit reporting, credit repair services, or other personal consumer reports

While checking my credit report, I notice an account from XXXX XXXX Bank that I believe is not being reported correctly on my credit report. On XX/XX/2021, ( See Attached ), I sent them a certified letter informing them that they were reporting inaccurate information on my credit report and requested that they provide me with the information that they used to verify the accuracy of my account. After not hearing from them for more than 45 days, I sent another certified letter on XX/XX/2021, ( see attached ), again requesting that they provide me with the information they were using to prove the accuracy of my account. I also sent certified letters to the XXXX credit bureaus, ( which is attached ), asking them to verify or remove the negative report on my credit report that XXXX XXXX Bank is reporting. So far, I have not gotten a response. As you can see, I have been dealing with this situation for almost a year with no success, so I am writing to you to help me with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

File dispute XX/XX/XXXX with TransUnion nothing had been done called TransUnion on XX/XX/XXXX to fix the problem they sent me someone else 's complete financial information through the mail and still have not fixed the problem I am XXXX XXXX XXXX they are giving me financial information and scores for XXXX XXXX
Product: Debt collection

reverse mort default, debtor died XX/XX/XXXX unit vacant, covid court delayed naming me SUCCTTEE EXR 15 months, RMS took over property from XXXX XX/XX/XXXX. RMS granted covid extension to sell with equity until XX/XX/XXXX. After extension granted the RMS property preservation dept hired and asset management firm to secure the property removing my lockset and lockbox, blocking my access with notice XXXX XXXX XXXX XXXX is in charge. 

I need written notice my extension until XX/XX/XXXX is in effect and that I am the only one authorized to enter the unit.Their action caused my carpet installation XX/XX/XXXX to be cancelled and will delay the open house XXXX
Product: Mortgage

PNC Loan officer XXXX XXXX is marketing on XXXX group consisting of XXXX realtors this is unapproved social media run by a XXXX company. All banks prohibit that. I attach the print-screen.
Product: Credit reporting or other personal consumer reports

Experian Credit investigated a XXXX credit card on my report with a {$5500.00} bill, which I did not open, and said the card was validated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! This is my second Time submitting a complaint regarding fraudulent inquiries on my credit report. Equifax didn't remove a single inquiry when I submitted my Identity theft report and my ID. I am submitting again. PLEASE SEE THAT EQUIFAX Removes the inquiries as well as XXXX. Thank You! I have provided my Identity theft report and my State ID
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX MAILED A PAYOFF TO PNC BANK FOR MY AUTO LOAN {$24000.00} & PNC RECVD THE CASHIERS CHECK ON XXXX XXXX & CASHED THE CASHIERS CHECK as of XXXX XXXX & PNC STATED TO ME OVER THE PHONE THAT PNC RCVD THE CASHIERS CHECK XXXX XXXX & DID NOT CASH THE CASHIERS CHECK & SAID PNC RETURNED THE CASHIERS CHECK TO XXXX XXXX XXXX UNCASHED, HOWEVER XXXX XXXX XXXX HAS A COPY OF THE CASHED CASHIERS CHECK WHICH XXXX XXXX XXXX SUBMITTED TO ME AS PROOF OF CASHIERS CHECK CASHED BY PNC BANK/I HAVE FILED A PETITION XXXX COUNTY CLERK OF COURT, XXXX COUNTY FL CIVIL CASE AGAINST PNC BANK FOR FRAUDULENT BILLING PRACTICE AGAINST ME THE PLAINTIFF XXXX XXXX XXXX CASE # XXXX