23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

A hard inquiry is on my credit report and I did not make it. Ive tried several times to get it removed and nothing has been done ...
Product: Credit reporting, credit repair services, or other personal consumer reports

A checking account that was supposed to be closed, was not closed. As a result, I was charged fees for account maintenance. The monthly fee took the account into an overdraft status. The account was charged off. 

When I later went to open an account with the same bank, I was advised that I had a delinquent account. The management reversed fees. I agreed to pay half. They agreed to remove the reporting from XXXX consumer report. It also should be noted that the account was reported XXXX on my XXXX as well. So not only should the account not have been reported at all, but it should not have been reported twice.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute XXXX XXXX/XXXX  XXXX on my credit report. The creditor has agreed to delete this account and it is still being reported. Please delete the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted lease payments via my banks electronic bill payment system on XX/XX/20 and XX/XX/20, which were both paid timely. These were the first two payments made on a new lease, and due to an accounting error by the bank ( they were going through a merger at the time ) the payments were made to my previous lease account.

I did not become aware of this until I received a statement from Ally Financial indicating that I was in arrears on my lease payments. 
I contacted both Ally and my bank ( XXXX XXXX to determine what had happened because I had confirmation of the payments being made by the bank to Ally. 
After several calls to a call center, apparently the error was found and the funds were reconciled to the proper/current lease account. The reconciliation took place on XX/XX/20 according to Ally 's records. 
my problem/grievance is that even though the problem has been addressed and rectified, Ally has not corrected the information it forwarded to the 3 credit reporting bureaus, and now they all report my credit rating as lower by a significant score. 
I want the record corrected, and my score prior to this error, reinstated.
Product: Payday loan, title loan, or personal loan

At the beginning of summer, our air conditioning and furnace stopped working properly. I contacted a local HVAC business and had them all replaced. To afford this, I had to take out a loan. The loaner is named EnerBankUSA. It took a couple of months, but I realized that some thing was amiss. The company sent me two ( 2 ) bills, and on each, the statement issue date was six ( 6 ) days AFTER the due date. On the XXXX bill the statement issue date was XX/XX/XXXX but the due date was XX/XX/XXXX. For XXXX the issue date was XX/XX/XXXX while the due date was XX/XX/XXXX. Consequently, both months I was required to pay a bill that was doubled up from {$150.00} to {$300.00}. The bill clearly states that I have ten ( 10 ) days to pay the bill after the due date, however it is impossible to pay a bill within ten days when it is issued six days AFTER the due date. I had concerns about this and tried to contact the loaner to address them. On XX/XX/XXXX at approximately XXXX XXXX  XXXX, I attempted to call EnerBankUSA to address my concerns. The automated voice said that I had a 15 minute wait.EnerBandUSA customer service ends at XXXX XXXX At XXXXXXXX XXXX  I hung up as I realized my call would not be answered at that point. At approximately XXXX XXXX. XXXX on XX/XX/XXXX I attempted to make contact via phone once again. The automated voice informed me that my wait time was 20 minutes. At approximately XXXX I a representative picked up and asked me hoe they could help. At the end of my explanation, the phone suddenly cut out. I suspect that they actually hung up on me.
Product: Mortgage

My home was sold on XX/XX/XXXX to Roundpoint Mortgage There was a overage in the escrow account. I placed a forwarding address with the USPS prior to XX/XX/XXXX and also gave Roundpoint mortgage my new address. 

They stated the overage check was returned on XX/XX/XXXX. Which I was not informed of till XX/XX/XXXX. 

They will not let me speak with anyone in the escrow department. And stated they can not find the returned check. They stated it will take another 10 days yo stop payment and reissue another check. I am currently unemployed and need the monies owed me.
Product: Credit reporting or other personal consumer reports

I downloaded a credit monitoring app. To my surprise I seen accounts that did not belong to me. This included credit cards as well as a loan. This included 1st financial bank USA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have no knowledge of these accounts. Ive been contacted my dept collectors. I have tried to explain that I know nothing of these accounts however I continue to be contacted.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 at XXXX XXXX  XXXX XXXX, a login help feature resulted in multi factor authentication sent to my old phone number XXXX and was used successfully to gain access to my account. At that time a withdrawal was made from my 401k account in the amount of XXXX XXXX Money was also taking from my XXXX  account resulting in total loss of XXXX.
Product: Debt collection

We consistently receive phone calls to our home number from Portfolio Recovery Services. I have asked them not to call and confirmed we do not have an account in debt collection. They continue to harrass us by contacting our home number and hanging up or leaving a voicemail.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts where fraudulently open without my consent I disputed these inaccurate accounts and the credit bureaus removed the information then a couple weeks later they readded unblocked the fraudulent accounts on my report and I need this resolved quickly I have sent in FTC report along with any and every other documents I have hade multiple time also its been over 90 days with no investigation results this fraudulent active is harmful to me and my family in a global pandemic and its stoping use from obtaining credit please have them re investigate it
Product: Credit reporting, credit repair services, or other personal consumer reports

Convergent Outsourcing is currently reporting an inaccurate account on my consumer report attempting to collect an invalid balance of {$210.00}. Ive disputed this account Via certified mail and requested debt validation ( see attached file ). Pursuant to 15 USC 1692g Convergent Outsourcing failed to send me a notice of debt/debt validation and is illegally attempting to collect the alleged debt reporting on my consumer report. I have no obligation to pay Convergent Outsourcing and Im demanding them to remove the collection account from my consumer report.
Product: Credit reporting or other personal consumer reports

I noticed this fraudulent account on my record, I have never had a car loan until recent. I just recently got my driver license. I am a victim of identity theft I noticed this account back XX/XX/2022 and than I contacted the police for help and they stated I need to dispute with the bureaus and I have but they aint any help. 

This is hindering my consumer report. My next step is going through litigation I truly dont wont to sue but at this point this is the only way they will listen.
Product: Credit reporting, credit repair services, or other personal consumer reports

After 10 months of dealing with a company called XXXX and being strung along for a potential refinance I received sporadic and unauthorized hard inquiries from factual data. XXXX also advised me to wait until the last day to pay my mortgage which is horrific advice and lied to me about the hard inquiries from factual data. I have no mortgage through the fraudulent company XXXX, nor should the inquiries that were never authorized be on my account at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 45 days later I have not received a response. I feel like I am being taken advantage of and being ignored on my disputes. Section 611 ( a ) plainly states that a failure to investigate these claims within 30 days gives a reason to immediately remove those items claims from my credit report, it has been over 45 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation do to the stress I have been caused. My information was also impacted by XXXX data breach and may have got into the hands of the wrong person
Product: Credit reporting or other personal consumer reports

I have some inquiries on my credit report that Im not aware about them. 
XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. 
XXXX XXXX XXXX on XX/XX/XXXX. 
XXXX XXXX XXXX  on XX/XX/XXXX. 
XXXX XXXX XXXX  on XXXX XXXX, XXXX. 
XXXX XXXX on XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureaus must check these items ( A ). It is unacceptable to list these accounts as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or removal of the following erroneous information on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Credit inquieries that I did not authorized : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

This is a complaint about Navient Corp. They are the loan servicer for multiple student loans of mine. I recently refinanced my federal and private student loans, as well as my Department of Education student loans that are serviced by Navient with a {$250000.00} private loan ; Navient is also the loan servicer of this refinanced loan. The private loan entity disbursed funds to Navient on XXXX/XXXX/2016 in the amount of approximately {$180000.00} with the intent of paying off pre-specified federal and private, and DOE student loans. However, those funds were applied by Navient in error to only XXXX of my private loans, XXXX of which was never supposed to be paid off in the first place. All XXXX of the loans to which funds were applied were over paid by nearly {$50000.00}. I immediately reached out to Navient regarding this issue, and initially received reassurance that funds could be shuffled around and everything with my account would be made right. It has now been five weeks and my account is still not accurate. In fact, Navient claims that the private loan that was not supposed to be paid off because it was a consolidated loan having a 3.5 % interest rate ( why would I ever refinance it with an interest rate of 5.125 %? ) is not able to be reversed for reasons that have not been made clear to me by the Navient supervisor that I have been dealing with over the phone. When I asked the supervisor to be connected directly with the monetary department who physically makes changes to customer 's accounts to explain exactly what the issues are with my account, I was told there is no way to contact them. Meanwhile, the refinanced loan of {$250000.00} has already accrued {$1500.00} interest and because it has not been disbursed correctly, loans that should have been paid off in full on XXXX/XXXX/2016 also continue to accrue interest that I am paying on. At this point, I seem to only meet resistance from the supervisor handling my situation and I am certainly not seeing progress toward a resolution. I have been more than patient with Navient XX/XX/XXXX, and I believe have given them fair time to address and correct this issue. However, I currently feel backed into a corner and taken advantage of without any control of my own to resolve this issue.
Product: Debt collection

My name was used for a debit on a bail bonds after sending my ID and license that shows they send the wrong person to collections, Nothing has been done to remove it from my credit score. Instead they kept me.
Product: Checking or savings account

The banks processing of transactions is always a day  or two beh ind which can lead to false account balance. Also rather than take foreign ATM fees out immediately they wait till statement ends and add them all together and if you do n't have the money in your account to cover them charge you overdraft fee.
Product: Mortgage

On XX/XX/23, I walked into a WF branch and asked for my HELOC balance payoff amount - without closing the account. The teller told me that amount would be {$29000.00}. I paid that amount via a check from my XXXX checking account. WF cleared that check with XXXX the same business day of XX/XX/23. I saw the amount withdrawn from my XXXX  account the same day but NOT reflected on my WF HELOC account. 

On XX/XX/23, my HELOC balance was not updated so I called the WF Home Equity Specialty Services XXXX XXXX to inquire why my HELOC balance wasn't {$0.00}. The woman told me that there's a 5-day hold on my check. I asked her why that was the case when the money has already been taken out of my XXXX account. She said that was their policy. 

On XX/XX/23, I had the same issue and called the same department and was told the hold is for 5 business days. I called on XX/XX/XXXX with the same issue and was told the hold is for 7 business days. On each occasion that I called, I asked why WF would not credit my HELOC account when they've already taken the money out of my XXXX  account and was told that's their policy. No further information was given. It also looked like they had overcharged me {$25.00} for the payoff amount. 

I called on XX/XX/XXXX with the same issue and was told the hold is for 10 business days. I became even more frustrated and upset and requested to speak with a supervisor because I'm given different non-explanatory information, each time I call and WF is basically holding XXXX XXXX of my money and granting me no access to it. I was speaking with XXXX ( ID # XXXX ) and told him I would file a complaint with the CFPB because of their deceptive practices. 

XXXX put me on hold and came back to say my check wasn't released yet due to WF Fraud protection algorithm that put a hold on my check. Again, I explained that this doesn't make sense to me because WF cleared the check the day I deposited it and demanded that they credit my HELOC account appropriately. XXXX said that they couldn't do that without me providing evidence that my check had been cleared from my XXXX account. Because I'm familiar with bank payment processes, I told XXXX that WF already has the proof and they he could look that information up electronically from his laptop while we're on the phone. XXXX refused to do so. I also told him that it looks like WF had overstated my payoff amount by {$25.00} and he said that I needed to take that up with the bank teller that gave me that information. 

To have my HELOC balance fully credited with my XXXX  check, I had to send XXXX XXXX of WF a copy of the check deposit infomation from my XXXX  account as verification of the check 's clearance. The next day, my HELOC account had a balance of - {$25.00}. 

Today is XX/XX/XXXX and my HELOC balance is- {$25.00}. WF has yet to refund me the money I'm owed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX and I agreed to a settlement amount for an account I was listed as a cosigner on. They assured me that the status would be updated with all three credit bureaus to reflect the paid with a XXXX   balance. I spoke with all three credit bureaus who stated that an update was not submitted. I was treated like a tennis ball in a tennis match regarding this matter by them and the credit bureaus. Each one off them begin to blame one another as being at fault for the inaccurate information being reported and reluctance to make the changes accordingly. The amount that is currently reported on my credit reports for this creditor is {$7400.00} with a status of written off as bad debt/collection which is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting and XXXX  account XXXX XXXX  {$10000.00} has violated my rights 15 U.S.C 1681 section 602A stats I have the right to privacy. 
15 U.S.C 1681 section 604A section 2 It also state consumer reporting can not furnish a account without my written instructions.
Product: Vehicle loan or lease

I have a auto loan with Ally Bank. My auto payment ( contractually agreed upon at time of leasing in XX/XX/XXXX ) was increased by {$3.00} per month with no reason given by Ally some time in XX/XX/XXXX. I was never informed. Months later, once it accumulated to {$27.00}, I began receiving calls incessantly from Ally and did understand why. I finally spoke to a representative and they explained that my account was delinquent and past due {$27.00} which would be reported to the credit bureau and adversely impact my credit if I did not pay right away. I was furious as I pay {$280.00} automatically on time every month. I asked the Ally representative to simply take the payment over the phone and they told me I could not. I asked them to just take it out of my auto payment ... they told me they could not. I asked them to push balance month to month so that the additional charge would be paid in my lats auto payment. They said they could not do that. They told me to go online and log in and change my auto payment. I have tried SEVERAL times and can not do this online. I finally gave up and made a manual payment online on XX/XX/XXXX in the  amount of {$27.00} in addition to my auto payment. Since I can not log on monthly to pay {$3.00} so that my account is not delinquent, I am collecting a late fee of {$4.00} every month in addition. I am certain I am not the only one they are running this scheme on ... What they are doing this is making it inconvenient for me to pay an arbitrary, nominal increase to my loan which results in a late fee. They are making {$7.00} off of me monthly and I have no control. They are counting on me to not log on every month to pay {$3.00}. I don't know how this practice is legal. I still do not know why my monthly was increased by this amount. I have written emails and I have left messages, I have threatened to sue and no response. Please help me stop this!
Product: Student loan

I graduated from a graduate school with {$95000.00} owed in XX/XX/XXXX. I did n't know about interest rates which was 8 % and was told this was n't bad. I struggled a few years and the loan company was glad to help defer the loan for a few years. 
Since paying it back, I still could n't pay the full amount so they were also very willing to set me up in the IBR program, which I am still in. I have been paying back in the IBR program for 12 years and have probably paid close to the {$95000.00} if not more than I took out but I actually owe over {$180000.00} because of the high interest. 
In XX/XX/XXXX I met a third party company who promised me to get me into the PSLF, or the public service forgiveness program because I work in the medical field and provide a lot of public education and service. I paid them {$1000.00} and switched to another loan company, Navient from XXXX loans who said they would put me in this forgiveness program which is a 10 year program. 4 years later they tell me that I can not be in this program because my business I work for is not a non-profit, and the IBR payments that I had been paying which is forgiven after 25 years and I had been paying for 13 years, started over 4 years ago when I switched loan companies I feel that I have paid a lot ( as much as I had borrowed ), but I still owe twice as much as I had borrowed, and I do not see any clear skies in the future for me. 
Is there any help or advice you could help me with?
Product: Debt collection

Today XX/XX/2020 I received a Call From CCS Offices from Phone Number XXXX I told the guy I was at work he claimed he could't here me. He told me XXXX had but me in Collections for XXXX bucks give or take. I educated him I never Received an Action Notice or a notice how I can Dispute and told him XXXX  Owned me money. He said I'm not working for you! XXXX obnoxious guy I wish I would never speak to this company again. I do not want this on my Credit I been trying to pay all my bills and buy a home.
Product: Mortgage

Please we need your help because we already pay every month my mortgage. And BSI down my credit score and make me paid over my mortgage and put my house in foreclosure This mortgage company abused my family financially that started XXXX XX/XX/2021 to XXXX XX/XX/2021 BSI said we dont do the payment for these months we did we got prove we pay
Product: Credit reporting or other personal consumer reports

My understanding is that FCRA 605B necessitates the removal of any incorrect entries from my credit report. Could you please examine the documents? A few of the listed accounts are inaccurately reported in terms of amounts and dates.
Product: Mortgage

I am a XXXX years old. I applied for modification of my mortgage four years ago when it was serviced by XXXX XXXX Company. I agreed to a modification in which my payment would be {$480.00} per month including my insurance and taxes, I was told if I make four payments of that amount, I would have a permanent modification. I sent XXXX the four payments, then I sent another two payments. XXXX was taken over by Flagstar bank. Then I was notified that my payment would be {$520.00}, not including my property taxes or insurance. This was not affordable and not what was agreed. I did all that I was asked to do and it seems like it was a bait and switch. I then worked with Flagstar trying to get a modification that I could afford, I sent my documents in four times, they kept making me resubmit them, only to tell me in the end I did n't qualify. I have the fax confirmations to prove it and can provide the information if needed.
My home was sold in foreclosure sale and purchased by Flagstar bank for {$40000.00}. I can afford the first modification amount of {$480.00} and if they had lived up to that contract I would still be in my home. This has caused a tremendous amount of stress on me and has impacted my health. I do n't want this to happen to anyone else. If a company buys another company, they should live up the existing agreements, they also should not require homeowners to submit their documents time and time again. It wastes time, but more importantly is playing games with peoples lives.
Product: Credit reporting or other personal consumer reports

There is an unfamiliar account listed on my credit report, and I suspect it may be due to fraud or identity theft.