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

I had issues in XXXX and XXXX making my payment with XXXX XXXX XXXX. Due to this issue I had a payment returned. I reached out to the manager to express my wanting to keep my credit with the company good, but needed help due to my payment complications. She advised me of a modification that can be done as long as I make the modification that day. And my credit history wouldn't be effected. I did and asked was there anything else due. Per the email attached, they told me no. Over the next two days I got a email stating my account was 30 days late. I reached out to the office and they stated that they couldn't do anything, even though I was given false info.
Product: Checking or savings account

My dispute is with Navy Federal Credit Union ( NFCU ). I was disputing XXXX charges i did not authorize. All of the charges I am disputing are XXXX and XXXX pay charges that were withdrawn from my debit card. I have had identity theft in the past, and I had to get new account numbers with NFCU with in the last 2 years and add a password to my account 8-10 years ago. It was brought to my attention when someone was trying to charge my debit card. I did not loose my card i had both my debit cards in my possession when I called in about attempted unauthorized charges on my account. I then look at my previous charges and found a total of {$5000.00} unauthorized charges. I have had a password on my account for several years and when I call in they dont always ask for it. I had for remind them and tell them to require because Ive had identity theft. I have two debt cards with two different checking accounts and both cards were compromised. It was clear someone has been using my information to compromise my account and NFCU refuses to return my funds that were fraudulent taken. They claim it was conflicting information, but I told them initially the representative that took my claim had some of the inform wrong. I even called back to tell them that one charged that was being disputed was the the wrong charge and it was actually my charged and the representative mistakenly disputed the wrong charge. I started disputing my charges in early XXXX and have been going back in forth with the investigator via NFCU App. They will not talk to me, call me or email me, they only send me two sentences so they claim is denied and no further information can be provided. Ive stopped my direct deposit to the bank because they took all the money back at once and I had to get money out my XXXX to pay my mortgage m, which is with then and I have never been late.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I faxed a dispute letter which I received a confirmation that they received successfully. My letter contained specific detailed information detailing the inaccuracies reporting on my credit report. In this letter I included my personal identification including my driver 's license, social security card and a recent utility bill. I have still not received any response.
Product: Credit reporting or other personal consumer reports

In XX/XX/2023, nine student loan accounts were transferred from XXXX to XXXX. XXXX did not properly report the nine accounts as paid in full and closed. Currently, both agencies are still reporting duplicate amounts, which overstates my student loan debt by over {$80000.00}. I have been trying to get this corrected for months. I have asked XXXX to update the balances with the credit agencies. No reponse. I have asked XXXX for documents that verify the accounts are paid in full. No response. I have filed disputes with Experian about these balances and they report that XXXX confirmed the balances during the dispute process. However on the credit report, the balances are dated " as of XX/XX/2023 ''. These balances were not updated during the dispute process, even though they are almost a year old. I just filed another dispute with Experian, and they advised that filing a complaint with CFPB might be helpful in resolving this issue. Thank you for your help. Note : I am providing screenshots showing all nine accounts for both XXXX and XXXX. I am also including the detail on the first account only showing : The XXXX balance on the credit report, the XXXX balance from my XXXX account page, and the XXXX balance from the credit report. Each of the nine loans show the same payoff date.
Product: Student loan

Me and a group of XXXX other XXXX borrowers recorded our phone conversations with XXXX representatives and noticed a commonality of mistreatment. 

The representatives that work for XXXX  have been mistreating the XXXX student loan borrowers by means of being rude to us and disconnecting the phone call when we inquire about our loan status. My complaint is about the TREATMENT OF XXXX XXXX & XXXX BORROWERS. 

I contacted XXXX on XX/XX/XXXX to pay off my XXXX XXXX student loan. The representative XXXX XXXX XXXX was extremely rude to me and hung up in my face when I was asking her what other information she needed from me, after she took my payment details. AGAIN, this complaint is about the ill treatment of XXXX XXXX  and XXXX people and getting the phone call disconnected on us because the representatives target XXXX borrowers with their ill treatment.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute unauthorized credit inquiries that appear on my credit report. I recently discovered that I have been a victim of identity theft, and as a result, several inquiries have been made without my knowledge or consent. 

I have never applied for credit or authorized these companies to access my credit file. These inquiries are a direct result of fraudulent activity, and I kindly request their immediate removal from my credit report. 

Thank you for your prompt attention to this matter. I look forward to your confirmation of the resolution.
Product: Credit card

I received an email on XX/XX/XXXX stating that XXXX has processed your order and your affirm loan details are below. 

Affirm terms : {$100.00} Loan Amount {$100.00} Total of payments {$9.00} Finance Charge Loan ID : XXXX Payment schedules are on the XXXX of the month starting in XXXX XXXX. 

On XX/XX/XXXX there was an email stating that there was a {$100.00} affirm virtual card for use at XXXX and {$66.00} was spent, and there is a credit for {$33.00} that wasn't spent. 

I got an email on XXXX stating that an automatic payment to bank account XXXX was scheduled. 

XX/XX/XXXX an email came through that payment was missed. 

On XXXX another Affirm email came through that stated a recap of XXXX XXXX  for {$260.00} went through and yesterday, a plan was requested for {$170.00} at a XXXX XXXX. 

I didn't think much of this because someone in XXXX used my email before for buying a car that wasn't really attached to my details. 

I started getting emails from Affirm that the XX/XX/XXXX payment was missed, then the XXXX payment was missed. 

On XX/XX/XXXX my credit score dropped unexpectedly so I looked at my XXXX XXXX and that is when I saw that Affirm was showing on there. I immediately opened an investigation request with Affirm which has a case number of XXXX. 

I have XXXX XXXX through my job and I noticed that I got an alert about this account. This is when I called Affirm and asked for an investigation into fraud. I also talked to XXXX XXXXXXXX, pulled credit reports, and will be filing a police report.
Product: Credit reporting or other personal consumer reports

I have disputed this account with the Medical Business Bureau on multiple occasions with no response. On XX/XX/year> I submitted a complaint through the CFPB portal requested account information and validation of the debt but have yet to receive an acknowledge or any response with the information requested. I have attached the previous complaint submitted on XX/XX/year> as well as proof of the items posted on my experian credit bureau. These accounts are reporting inaccurate misinformation and needs to be removed immediately.
Product: Checking or savings account

My wife had 5 IRA 'S in Synchrony Bank that she closed and opened a new one with all 5 ira 's for a higher rate. The interest rate offered at that time was 3.81 %. When they funded the new IRA they failed to add 1 IRA account and left out XXXX dollars out of another account. Therefore when I checked my wife 's account she was short over XXXX dollars. The bank did not contact me so I called and spent several hours on the phone getting the situation rectified. They should have picked up on the mistake and contacted me. This took 3 days to get it resolved. During that time the interest rate on a 5 year cd went up 20 basis points from 3.81 % to 4.01 %. Because the account was not fully funded I asked for the higher rate due to their mistake. Synchrony Bank refused. Because the account was not fully funded when the rate changed on Friday I feel I am entitled to the higher rate. Synchrony bank says you get the rate when the account is funded not partially funded. I am requesting the higher rate.
Product: Credit reporting or other personal consumer reports

This report is not a duplicate report. I did not hire a credit repair agency or a XXXX party to submit this complaint. 

I recently obtained a new copy of my credit report and noticed there are some violations that need to be investigated. In accordance with the FCRA LAWS the below accounts have violated my rights according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. 

Account Name : XXXX XXXX Account # XXXX Acct Name : OneMain Acct # XXXX Acct Name : XX/XX/XXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Account Name : XXXX XX/XX/XXXX( Original Creditor : XXXX XX/XX/XXXX A Acct # XXXX Acct Name : XXXX XXXX Account # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XX/XX/XXXXXXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XX/XX/XXXX XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Acct Name : XXXX Acct # XXXX Furthermore, please provide the XXXX following things for further investigation on my end : XXXX. The Original Contracts Of All Accounts With My Wet Signature On It XXXX. Creditor Information ( Name, Address and Phone Number Of Original Merchant ) XXXX. The Payment History and Itemized Billing Associated With Each Account XXXX. Proof Of Ownership ( Proof That The Company Trying To Collect This Debt Has Authorization To Do So ) If you can't provide these XXXX things please delete these accounts from my credit report. Thanks
Product: Credit reporting or other personal consumer reports

My account with ( XXXXXXXX XXXX XXXX XXXX  ) was never late! I have had exceptional payment history witH XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


( XXXXXXXX XXXX XXXX XXXX ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Debt collection

On XX/XX/20 Jefferson Capitol Systems LLC send some fake wan na be attorney on my property, he did have no badge did not identify who he was, and served me some fake summons court papers, threating to sue me for old credit card debt they purchased from XXXX. The old debt was charged off. The debt is beyond the status limitation but they are breaking the law and still trying to sue me. It's beyond the status limitation.
Product: Credit reporting or other personal consumer reports

Recently I've submitted a dispute letter to Experian asking them to update and remove anything that's reporting inaccurate to my consumer report. They responded with a letter stating that they don't believe I sent in the dispute letter. I am aware of 15 U.S. Code 1681- Congressional findings and statement of purpose, an that Experian just report accurate information. I am asking them investigate my dispute letter that's included with this complaint. These inaccuracies that are under multiple violations are negatively impacting my credit score limiting my ability to obtain any funding or relationships with any potential lenders. In accordance of 15 U.S. Code 1681i - Procedure in case of disputed accuracy ( 5 ), and that it states that you must remove anything that's inaccurate. Violations committed by Experian. 15 U.S. Code 1681b - Permissible purposes of consumer reports, 15 U.S. Code 1681 - Congressional findings and statement of purpose, 15 U.S. Code 1681e - Compliance procedures, 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1692c - Communication in connection with debt collection, XXXX XXXX Code XXXX - Procedure in case of disputed accuracy
Product: Mortgage

We had a HELOC ( # XXXX ) with legacy BB & T that was paid off as part of a refinance on XX/XX/XXXX. In early XXXX I began compiling information for XXXX taxes. Since the conversion to the Truist website ( I believe XX/XX/XXXX but am not sure ) the loan is no longer visible online. I need the statements from XXXX in order to verify interest paid on the loan. I called Truist in XXXX ( week of XXXX ) to request the statements. 
I was told a request would be submitted to send the statements via US mail. I have not received them. I sent an email on XX/XX/XXXX to my local branch manager in XXXX XXXX, SC, XXXX XXXX, to request assistance with this issue and several others. I received a response from her on XX/XX/XXXX indicating she had not been able to obtain the statements but would request that they be sent. I have not received them. I sent another email to her on XX/XX/XXXX and never received a response. A friend who worked on the merger forwarded my email thread outlining a number of issues including this one to two merger leaders at Truist. On XX/XX/XXXX I received a voice mail from XXXX XXXX who indicated that he was assigned to my case with ( # XXXX ). I called and left messages on XX/XX/XXXX, XXXX and XX/XX/XXXX and have received no call back. I have already had to file an extension on our business taxes due to this and one other Truist issue. We filed the business return today without the information because I have no confidence that Truist will provide the information in a timely manner if at all. Truist also neglected to send form 1098 for tax purposes. I was under the impression that banks are required to retain customer records for a period of time ( XXXX years )? Thank you
Product: Credit reporting

I received a letter from Equifax stating that a new address has been posted to my Equifax credit file. We have not moved and the " new '' address is actually a previous address. Equifax will not change it back. We would like them to remove this address change from their files.
Product: Money transfer, virtual currency, or money service

Coinbase had not provided me with the appropriate funds owned by me in bitcoin cash ( BCC ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I had previously filed a dispute with all three credit reporting agencies regarding an outstanding collection account from XXXX XXXX. In working with XXXX XXXX on an agreement, it was discovered that bills had never been sent to an updated address after I had sold the property service was for. I pad the collection and submitted documentation to the credit reporting agencies. XXXX  and XXXX updated my credit report by removing the account, but Experian has not. In re-filing the dispute I have discovered they will not permit a dispute about their previous judgement, but they provided no notice and provide no rationale for keeping the collection on my report. They do, however, suggest paid services through their company with the implication that paying for their services will provide more favorable results. I would like Experian to remove this collection from my account and I do not wish to have to purchase their services to do it. The other two agencies handled this without any fees.
Product: Credit reporting, credit repair services, or other personal consumer reports

In late XX/XX/2019, I received notification from XXXX XXXX that I had acquired a late remark on my credit report from XXXX XXXX  XXXX secured visa card. Upon making contact with XXXX XXXX I was told this would not be removed because I did not have the funds in my account. I was then told I would receive paperwork in the mail to correct this issue or I could send in the documentation. I sent a letter in which they responded the reporting is accurate and would not be corrected this letter was received in late XX/XX/2019. Since receiving that letter I have received two letters from my bank stating the funds where in my account and it was a mistake on their end due to the first 3 prefixes of my account being incorrect. The first letter was sent to XXXX XXXX which they still have not corrected. I am in the process of purchasing a home and I have worked very hard to maintain a good credit report. Attached you will see the letter from my banking institution and phone number to contact them should you have additional questions.
Product: Credit reporting

I was the victim of identity theft and started the path to both block the fraudulent information and correct it by alerting the Credit reporting agencies. 
I followed the Credit reporting agencies requirements ( Police report, affidavit, outline of data the result of identity theft, Identification ) to make this happen and the Credit reporting agencies have not followed the law. Below is part of the copy of the letter I sent to them outlining my rights and their obligations under the law. 
Blocking Bad Credit Information from Credit ReportsThe law ( RCW 19.182.160 ) also provides a civil remedy for consumers. Under the law, a victim of identity theft can block any adverse credit reports resulting from the crime by filing the police report of the crime with the credit-reporting agency and supplying the agency with other proof of identification similar to those above. Provisions are made for denial and removal of the block in cases of fraud or error. The effect is that the victim 's credit record is restored to reflect only the victim 's true credit history. 
A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notice to all businesses that supplied this information. 
The Fair Credit Reporting Act requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the business that sent you that information.
Product: Money transfer, virtual currency, or money service

On XX/XX/year>... I opened my Fifth Third Mobile app! I went to the transfer tab and added my XXXX XXXX routing and account number and proceeded to transfer {$6500.00} from XXXX XXXX into my 5/3rd savings account! It said it would take XXXX hours for the money to be transferred! I woke up the next morning on XX/XX/year> from an automatic message from 5/3rd stating the transaction was cancelled due to fraudulent alert! I went in person to the 5/3rd bank on XXXX XXXX XXXX in XXXX, MI where I opened the account! They wanted me to verify my XXXX XXXX account and amount requested to transfer! I did, including my W2s to show my taxes were deposited into my XXXX XXXX account so the money is Legit! They told me the verification were all set and I should have my money returned by the next days! By XX/XX/year> no money was returned! I went back in person and the bank teller XXXX XXXX stated that their 3rd party XXXX is now holding funds for XXXX business days! Upset, but Patiently waited for the XXXX business day and still no return! The bank teller XXXX who was in contact with XXXX told me ( i have documents ) that up until XX/XX/year> the XXXX business they had eyes on the {$6500.00} ... on XX/XX/XXXX the XXXX business day..no one had eyes on it, the money is gone, and now they are saying I canceled the whole thing out, and I have documents from XXXX XXXX stating I never disputed the charge and the money never came back!
Product: Credit reporting or other personal consumer reports

I recently review a copy of my credit report and noticed a fraudulent account from XXXX XXXX XXXX on my credit report, please remove this account from my report because its hurting my credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and I noticed some unauthorized inquiries on my credit report I proceeded to contact the credit reporting agency but they did not remove the unathorized inquiries.
Product: Credit reporting or other personal consumer reports

There is a fraudulent account reported on my credit file. Account Name : JPMCB Card  Account Number : XXXX Account open date : Someone has opened an fraudulently authorized an account on my name using my Identity for this account for which I am not responsible. Please remove this account from my credit file. I challange the company to provide me the proof for opening of this account by me. I am the authorised user for this account.
Product: Debt collection

On XX/XX/XXXX i received a XXXX letter stating a cancellation of debt for a US Bank Credit Card. While i did have a credit card with US bank it was over 11 years ago. To my knowledge i paid off the debt and closed the card in XXXX. 
Receiving the XXXX and calling US Bank cardmember services the only information they could tell me is that it was " written off '' in XXXX and closed in XXXX. Which doesn't match my dates on when i had the card. I asked if i owed debt why this never appeared on my credit report or had any collections calling me, in which they could not answer. I also then asked for the card number which they gave me but said they had no statements that they could send me or information on the card or transactions as it was closed. I asked to show proof of this if i have to report it as income on my taxes in which they told me to hopefully i had some old statements. 
I feel this may go against the fair debt collections act and looking somewhere to get advice. Thank you.