23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card was reported as 120 days past due when it was 90 days. The payment was made for all 90 days, 15 days prior to the report being filed. I attempted to explain what happened and point out that I had never missed a payment in the past, and they would not listen. The woman that I spoke to was extremely abusive to me. I paid {$490.00}. the day I received the letter from XXXX XXXX and yet, they reported that it was not pain and was 120 days.
Product: Credit card

Kindly review the attached documents. I urge the bureau to commence an investigation into these accounts, as I am consistently punctual with payments, contrary to the reported late status.
Product: Credit reporting or other personal consumer reports

Ordered a XXXX XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$380.00}, returned and received by XXXX XX/XX/XXXX. XXXX told never got the refund credited. Called many times between XXXX and XXXX to sort out to get my credit ; finally got email confirmation from XXXX XX/XX/XXXX refunded {$340.00} with reference number ( attached file ). 

Contacted XXXX through calls, chats, open cases with their resolution center to sort out to get my refund from my partial payments ( XXXX of {$190.00} ), but being told credit wasn't there. I was being directed to contact XXXX, and when I did I was told refund being credited as the reference number has confirmed. XXXX refused to step up and investigate where the money went from XXXX 's credit and closed my dispute cases over and over with irrelevant reasons. I had sent a letter to XXXX XXXX headquarter addressed to the management team to help look into my cases XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) as they wrongfully report to the Experian Credit Bureau that XXXX XXXX has been past due and delinquent since XXXX ; while I should be getting my money back from the refund. 
I have tried for months and instead of getting my {$190.00} back from the loan, XXXX wrongfully damaging XXXX points from my credit score. Seeking help from the CFPB to assist in this as this is outrageous and is a bad business to many consumers Appreciate your help and follow up. 
XXXX
Product: Money transfer, virtual currency, or money service

I opened a new account with Chase. I signed in and added my XXXX XXXX account. I tried transferring XXXX from my XXXX XXXX account to Chase. I was called by the fraud department, verified all information and was told my request would need to be resubmitted because the transaction was denied. Went through the process again only to have them deny it again. Then I was told that I would have to make a manual deposit in order to transfer the funds. I work and go to school. I do not have checks for the account which is why I was completing the transfer online. I was not given a valid reason for the rejection.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 


XXXX XXXXXXXX XXXX XXXX
Product: Checking or savings account

This complaint is also in reference to a previous complaint # XXXX. 
After my account was compromised and i lost everything. Even as a victim i continued to be penalized by Navy Federal. I was given no form of remedy and no credit or reimbursement and the case was closed. After losing everything i went into deep XXXX. Barely able to get by and Navy Federal knew of this due to the agents calling everyday. I stopped answering thier calls after a agent threatened me over the phone as if he was going go show up to my home and do something to me. I also let this incident be known to another agent who apologized on his behalf. Navy federal then reported my missed payments on my personal loan to the credit beureu knowing that i was just a victim of fraud and lost everything. My credit score went from a low XXXX to a low XXXX in a matter of months and my credit report will show that i never missed a payment on anything in my life but because of the actions navy federal took against me after being a victim of fraud it made matters even worse for me. All my other credit providers decreased my limits and some even shut my card off. Now i have no money and no credit line really to survive and take care of myself and my daughters.
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion currently is reporting under XXXX XXXX XXXX that I have a 120-day late payment in XX/XX/XXXX and a XXXX late payment in XX/XX/XXXX ; both are incorrect and should not have been on the report to begin with. 

I initially filed a dispute to this item earlier this fall and was told by TransUnion that they have no control over what they are reporting but rather they have to report what the creditor tells them to report -in this case XXXX XXXX XXXX XXXX

I have spoken to XXXX XXXX XXXX  on several occasions regarding this issue and each time I am told that this reporting discrepancy should have been resolved since the other reporting agencies have already removed these erroneous late payments.

These incorrect late payments are still being reported by TransUnion and it is currently keeping me from my correct and proper credit score and status. I need to turn to you because I can't determine which one of these parties is actually responsible for removing these items from my TransUnion credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Account 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 consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

I am disputing the account listed under XXXX XXXX and an inaccurate address on my credit report because it is not mine, and I have no knowledge of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681 ), I have the right to dispute inaccurate or fraudulent information on my credit report. I request that this account be removed immediately unless verified with proper documentation. If XXXX can not verify the accuracy of this account, it must be deleted per FCRA regulations. I am willing to provide any necessary information to assist in resolving this matter.
Product: Debt collection

Hi My SSN got stolen, and someone using my SSN open a capital one credit card. I aware SSN stolen in XX/XX/2021. I filed police report and contact Capital one to dispute the credit card. I provide bills to show where I live, and provide the policy report. I ask the billing address on credit card. I find out Its a mailbox. I thought the person who own the mailbox is the person who stolen my SSN.capital one didnt do investigation at all. And they capital on doesnt care about this issue. They just want me to pay off that credit card and take their fault.
Product: Credit reporting

Experian has inserted a phone number, into the credit report they maintain on me, from those committing fraud and stealing my identity to take out a credit card in my name. They apparently attained the number from XXXX XXXX, the company issuing the fraudulent credit card in my name. I have been the victim of ID theft four times in the last XXXX years, with the last XXXX occurring when I had a freeze on my credit. However, the thieves have gotten credit cards from XXXX XXXX each time anyway, using my credit with Experian and XXXX as well. Now they have allowed the thieves to insert their telephone number in my credit file. Additionally, Experian has mysteriously lowered my credit score XXXX points, for no apparent reason when there has been no negative reports or activity. Please investigate to get Experian to stop being part of the fraudlent activity.
Product: Mortgage

The table below describes the events wherein Truist is now requiring escrow over and above what insurance/tax is paid by myself ; and further in order to remove escrow of the one week of loss of insurance due to XXXX and the agent at XXXX ( not informing me as the client that insurance was lapsing ) I would have to purchase a new mortgage at double the interest rate. Truist was informed in writing and by phone call ; XXXX the insurance agency was contacted and stated they would return/contact me on sending correspondence through their legal department and NEVER contacted me as the client on the insurance coverages/lapses nor provided further assistance to me, their client. I have paid Truist for the one week of insurance and have provided coverage with XXXX for the mortgage ( and now have to request reimbursement from XXXX ) and pay escrow above the amount of the insurance. Noted detail of event and documents will be mailed to CFPB : XX/XX/XXXX Agent : XXXX XXXX Policy Home/Auto XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX Email XX/XX/XXXX XXXX  XXXX Agent XXXX Fired from XXXX  and had been working on issues with XXXX ; however no notice to client. Home Insurance RECEIVED information that agent fired in/on XX/XX/XXXX. 
XX/XX/XXXX XXXX XXXX noted on more than 10 acres INCORRECT home on 1.89 coverages end XX/XX/XXXX Mailed NOT RECEIVED IN MAIL BY CLIENT XX/XX/XXXX XXXX XXXX XXXX Notice of Nonrenewal for XX/XX/XXXX to 1 ) client and 2 ) agent - XXXX XXXX Email NOT RECEIVED BY CLIENT ; AGENT XXXX NEVER CONTACTED CLIENT NO RECORDS OF AGENT CONTACT TO CLIENT GOOSEHEAD COULD NOT PROVIDE XX/XX/XXXX XXXX XXXX Service Agent Goosehead Notice of cancellation of unresolved underwriting concern. Email Client responded same date. 
XXXX Client continuous emails and phone calls to XXXX  Emails attached noting inability to get XXXX  to respond to homeowners insurance coverages Current XXXX XXXX appraisal/tax property record Noting : 1.84 acres - not ten as XXXX noted at issue. 
XX/XX/XXXX Email to Service Agent XXXX at XXXX another attempt Another attempt to get information and resolve issues regarding the noncoverage of homeowners insurances. 
XXXX - Phone calls to Truist ; mail to Truist regarding insurance issues XX/XX/XXXX - Phone call again to Truist receipt of increase in escrow. Truist states that it is their policy to force escrow if only in one day or one week and/or require a complete refinance to a higher ( in this case more than double ) interest rate.
Product: Checking or savings account

I went in to close my bank account. I was handed all of the money in my account but told they would not close it at that time and to call customer service because they didnt have a banker. I found out later there was a banker but they didnt want to effect their numbers. They did not put a hold on the account either. I tried to contact the customer service number, but was put on hold for over two hours. This happened multiple times. I noticed a few days after that my account was in the negative for a few hundred with the majority being overdraft fees. I tried calling again. Still could not reach anyone. I sent emails to the district manager. No reply. Finally, months later they called me and I explained what happened. I said I was willing to pay only the expense amount that was pulled but no late fees because I have been trying to get assistance with this. They should not have refused to close an account. They should not have pulled money out of my account knowing there were expenses going to pull. I attempted multiple times to call and to no avail. I told them I even sent an email. No reply. I am always sent in circles. To this day there has been no resolution. I have screenshots and proof of all of this.
Product: Student loan

My loan servicer, formerly XXXX XXXX, now Navient, has provided false and misleading information regarding a co-signor release option for my private student loans for the University XXXX XXXX, XXXX XXXX XXXX XXXX, located in XXXX, CO. I have called into Navient XXXX times over the past XXXX months to inquire about their co-signor release program. Each time the representative I speak with informs me of a different set of criteria that applies to their co-signor release program. Some have stated after XXXX-year of on-time, principal and interest payments a co-signor " will '' be released, others state it is XXXX years, or XXXX months, or that the co-signor must " apply '' and there is no guarantee they will be released. The variance in information has gone so far to also state that a co-signor release program does not exist. I have requested documentation numerous times, and it either has failed to arrive via mail as indicated, or I have been told there is no documentation on file.
Product: Credit card or prepaid card

I have a Barclay 's  XXXX   XXXX  credit card. I made a payment  XXXX   XXXX  for {$1000.00} from my   XXXX   XXXX    checking account by a process where payment is done electronically using my routing number and account number. On  XXXX   XXXX , I make another payment the same way, for {$1600.00} using my set up routing number and checking account number. Between th e 2 pay ments, my   XXXX   XXXX   checking account is lowered by {$2600.00} and on  XXXX   XXXX ,  XXXX  shows my balance being deducted by that amount.   Barclay bank shows me on line they have received my payments and they have them processed, BUT they do not show them as increasing my available balance by {$2600.00}. They tell me they have the right to hold the money for up to 10 days before putting it back into my credit availability. Never are bills paid by check. They are all ways paid by electronic funds between  XXXX  banks, or as I have heard, the US treasury reserve bank. By holding this money, even though they say they have received the money, they say they have the right to hold it against liability issues, for up to 10 days.  XXXX  does not have my money and Barclay bank does not make these funds available to me. They use semantics by telling me they have my money but reserve the right to hold it up to 10 days. By doing this to me and millions of other people, they are using my money and others ' for profit and using it for free. I want to complain to the  US finan cial department regulators this is not fair and Barclay 's should be held accountable.
Product: Debt collection

Someone by the name of XXXX is calling asking for social security number to collect debt on a property I do not own. They say the name of the company is Ocwen Loan Servicing LLC .
Product: Mortgage

I have a mortgage with XXXX  XXXX XXXX. I have a XXXX XXXX   and because of covid-19 I have trouble with getting parts and having my workers to work. XXXX has told me I can avoid mortgage payments due to the virus. Now I have received a bill for XXXX . This does not include XXXX 's payment. I can start paying the monthly amount of {$1300.00} on XX/XX/XXXX .The amount owed for missed payments ( as I understood ) would be added to the end of the contract. I need this to happen. Thanks XXXX XXXX email : XXXX. Property Address : XXXX XXXX XXXX XXXX, XXXX, Oregon XXXX.
Product: Student loan

I am XXXX XXXX XXXX and have been out of school for upwards of 10 years. I have experienced 2 student loan services through education process, approximately half of my student debt was serviced by the XXXX  ( XXXX  XXXX loan ) which appears to have used consistent reasonable loan practices and has ultimately resulted in consistent balance repayment. For background when I concluded my education my student debt broke down as follows : XXXX XXXX XXXX Loans Total Borrowed : {$39000.00} Current Federal Loan balance ( Recently Transferred from XXXX to Aidvantage ) : XXXX XXXX  SELF Loan Total Borrowed : {$32000.00} Current XXXX Balance : {$17000.00} Out of a total of 140 loan payments to XXXX, 30 payments totaling {$530.00} have been credited towards my principal. 

I have had generally higher payments with XXXX over my entire loan lifetime and given that I am one person solely making payments on these loans my financial situation has obviously been the same through the loan period. It seems pretty unreasonable that with 2 similar student loan servicers, servicing one person over the same time period ; with one provider regular payments are resulting in debt going down over time and another provider ( Which has been the target of multiple unfair practices complaints ) has resulted in the loan balance dramatically increasing over the lifetime of the loan. 

I feel that XXXX used unfair tactics to steer me into loan deferment and other repayment options that ultimately led me to accrue additional interest than necessary and making loan principal payments nearly impossible. In general, during times of financial hardship I had multiple contact points with XXXX via phone call, text and email that ultimately lead me into excessively costly short-term/temporary financial relief instead of affordable, long term repayment options that would have made financial sense. 

The financial hardship XXXX put me through not only negatively impacted my credit score, it was seemingly impossible to remove my cosigner from the loans thus missed payments also created negative impact on my fathers credit. 

My loan situation feels almost entirely consistent with the CFPB Lawsuit against XXXX. 

https : XXXX
Product: Mortgage

I have paid 20 % of my loan and owe just over 50 % of my house value. Still the mortgage company refuses to remove my PMI. I need to get Mr. Cooper to remove my PMI.
Product: Checking or savings account

I am very upset I have a deposit receipt I opened a business checking and have a personal account with them as well I dont have my debit cards for neither account have no access to my money
Product: Mortgage

In XX/XX/XXXX, I assumed ( through the VA Loan Assumption process ) the current loan. Just prior to the loan assumption process being complete, the previous owner filed for bankruptcy. Once the loan assumption process was complete, it was understood that the bankruptcy filing would not have an effect on me and would be removed from the loan due to the fact the previous owner who filed for bankruptcy was no longer on the loan nor listed on the deed. My attorney and I ( I have had to hire an attorney to try to resolve this issue ) have been in contact with the mortgage company since XX/XX/XXXX requesting that the bankruptcy status and any affiliation of such be removed as the mortgage company is/was reflecting my mortgage loan account as being in an active bankruptcy status as I have never filed for bankruptcy or ever been affiliated with any actions. The mortgage company has continuously given us the runaround, provided inaccurate information and this issue continues to go unresolved. 
To explain the attached documents is as follows : Attached documents reflect bankruptcy filing of previous owner, ongoing response reply finally in XX/XX/XXXX then followed on in XX/XX/XXXX stating that they agreed and confirmed I was not included in the bankruptcy filing and that my account would be removed from the active bankruptcy status effective XX/XX/XXXX. Upon follow-up to confirm this was removed on XX/XX/XXXX it was noted that my account was still listed in an active bankruptcy status and that no one was advised to remove this status from my account. On XX/XX/XXXX my attorney and I left a voicemail message to XXXX XXXX XXXX of Wells Fargo Customer Care and Recovery Group, advising her of the ongoing issue still requiring resolve and requesting her assistance and immediate feedback. The letter dated XX/XX/XXXX from my attorney was spawned in connection to the continued inaccurate information and lack of proper account update. On XX/XX/XXXX, Wells Fargo then mailed the attached letter which specified I was discharged from personal liability for this mortgage loan and that my loan was in default, stating I needed to bring the loan current with further language of we can not delay potential legal action, which may include foreclosure, and although you will not be personal liable for the debt, you will lose interest and rights to the property. This letter was inaccurate and quite displeasing to receive as my account was current, never late and the inaccuracies listed within the letter were abounded.
Product: Credit reporting or other personal consumer reports

Please Remove all Fraudulent items as i have no knowledge of any of these accounts due to the XXXX data breach identity theft. All is being investigated by the FTC, According to FCRA XXXX this information must be blocked immediately until the investigationover. 
XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I bought a vehicle in 2012 and that vehicle was given back and repossessed due to failure of the motor. I only had that vehicle for four weeks. The company took it back and now I just found out they are garnishing my wages without notice of lawsuit or any communication. They want to charge me {$21000.00} for a vehicle that is not in my possession! This happened in 2012 and just now they are taking my wages without any notice at all!
Product: Credit reporting or other personal consumer reports

MY CONSUMER REPORT IS REPORTING INACCURATE AND UNVERIFIED ACCOUNTS. THESE ACCOUNTA ARE A VIOLATION OF THE FCRA BECAUSE THEY HAVE XXXX  INACCURACIES IN THE DATE OF LAST ACTIVITY AND THE PAYMENT HISTORY. ALL OF THESE ACCOUNTS ARE SHOWING DIFFERENT INFORMATION IN THE PAYMENT HISTORY, DATE OF LAST ACTIVITY/STATUS DATE BETWEEN ALL EQUIFAX, XXXX AND XXXX. DELETE THESE ACCOUNTS : ( XXXX XXXX XXXX ) ( XXXX XXXX ). 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I HAVE UNAUTHORIZED INQUIRIES REPORTING ON MY CONSUMER REPORT. I DID NOT AUTHORISE THE ACCOUNT TO PULL MY CONSUME REPORT. THEY HAD NO PERMISSABLE PURPOSE AND IS IN VILATION OF FCRA LAW. DELELTE VERY INQUIRY I HAVE LISTED IN THE RESOLUTION AREA IN THIS COMPLAINT.
Product: Credit reporting

i applied for a mortgage on XX/XX/2017 and was denied because of lack of existing loans, my Transunion credit score was XXXX on that date. I then applied to XXXX for a secured personal loan. I was told that my Transunion Credit Score was XXXX. I went back to the mortgage company and applied again and my Transunion Credit score still XXXX with the new credit report they pulled on XX/XX/2017. I have called a number of times and can not get any response as to this issue, nor can anyone explain to me how I am to rebuild my credit score when it appears there is something else going on that I am not aware of. I am asking for your assistance in resolving and getting a clear explanation as to this issue. Thank you in advance for your help and support in resolving this matter. 
Sincerely, XXXX XXXX