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

I've submitted multiple disputes as well as contacted the credit bureau and original creditors. I've reported identity theft and place a security freeze fraud alert on my personal information but there is no change
Product: Debt collection

XXXX XXXXNetcredit is reporting an account that doesn't belong to me. I've NEVER applied for credit with them. Remove this immediately or I'll seek damages.
Product: Debt collection

ATTENTION TO ABSOLUTE RESOLUTIONS I AM SUBMITTING THIS INFO AS THIS ACCOUNT is a result of identity theft I have never done any business or opened any account what so ever with this company. I recently discovered through my monitoring service this account being reported I made efforts to remove this account from my file as the amount of {$1500.00} does not belong to me. This account was fraudulently opened through this company ABSOLUTE RESOLUTIONS XX/XX/2020 an has been reported to the FTC and authorities as Identity theft. My information was stolen and utilized by someone else claiming to be me utilizing whatever tools needed to acquire ( SOME FORM OF LOAN OR CREDIT ) have submitted all of my personal information needed to resolve this matter in this complaint and through the FTC report attached and do not feel comfortable giving any further information in any way to any others at this time due to the further possibilities of identity theft. All information submitted is said to be the rightful information needed to resolve this matter.
Product: Debt collection

I sent a letter requesting validation for a debt on my XXXX credit report. The debt is with Indepedent Recovery Resources in the amount of {$110.00}. I sent my first letter in XX/XX/XXXX and did not get a response. I sent another letter on XX/XX/XXXX and once again no response.
Product: Credit reporting, credit repair services, or other personal consumer reports

After reviewing my credit profile on XX/XX/2022 I identified a discrepancy with account listed under XXXX XXXX XXXX and validation was requested as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on this day. After reviewing credit report again on XX/XX/2022 there have been no updates and the account still reflect on the report. I do not believe the account belongs to me nor do I believe that the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation have been received proving that the account belongs to me and all information is correct.
Product: Checking or savings account

USAA closed my account on the week Of payday. But they did put my account back in normal status then put it back in credits only status. I received a call from XXXX in the office of the president at USAA telling me they she would expedite my money to me this week. She asked me if I would be willing to pay the negative balance. I told her I was already going to do that when I got paid. But they but my account back in credit status and refused to let me transfer to take care of it.
Product: Checking or savings account

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

My loan was transferred to Mr. Cooper in XXXX XXXX XXXX. Since I have been with them I have had several issues that I have had to call and get corrected. The issue that I am reporting today is concerning my escrow and tax payments. 
On XX/XX/2022, I called Mr. Cooper and informed them that I had received my supplemental tax bills and requested that they paid them out of my escrow since I had been paying estimated taxes into my escrow for this event. They informed me that they don't normally pay supplemental taxes. I told them that was fine but I would need for them to send me a refund from my escrow for the estimated taxes that I had been paying. They placed me on hold and came back and told me that they would pay them. They asked that I send over my supplemental tax bills. I advised them that the first installment was due by XX/XX/XXXX and they advised me that it wouldn't be a problem since it was still early XXXX. They told me that they would process the payment as soon as they received my tax bill. I emailed the copies of the tax statements them on XX/XX/2022. 
In XXXX, I received a notification that one of my supplemental tax bills had not been paid and was assessed a {$97.00} penalty. I immediately called Mr. Cooper and went over the issue with them. The representative apologized and told me that she did see where they agreed to pay my supplemental taxes out of my escrow and she would get it taken care of. She also told me that since it was their error, Mr. Cooper would pay the penalty.

I received a phone call from Mr. Cooper about a week later in regards to my issue. Once I logged into my account, I found that the amount that they paid out of my escrow didn't match the amount that was on the supplemental tax bill that hadn't been paid. The representative told me that she only had access to the amount that they paid and couldn't see details to explain why they paid that amount. Since the payment had just processed a day before, I told her that I would follow up with the County Assessors office the following week to see if I could get an explanation. Once I followed up, the County Assessors office determined that Mr. Cooper had paid the full amount of the delinquent supplemental tax bill along with the penalty which is why the amount didn't add up to what was showing on the tax bill. 
I then contacted Mr. Cooper back to get the {$97.00} penalty amount resolved. Although I was told they would take care of the penalty, they refused to refund me that amount. 
I don't feel like I should be penalized for them not making the payments as agreed and I want {$97.00} refunded back to me. 
The representative at Mr. Cooper 's position is that they don't pay supplemental taxes so even though they paid it late, it is not their responsibility to pay the penalty. 
My position is that they should be responsible for the penalty because they were notified and agreed well before the bill was due and had they honored their agreement, I would not have been assessed a late penalty.
Product: Credit reporting or other personal consumer reports

I had a medical claim that was submitted to my credit report as delinquent in 2021. Every month this company would report it as a late payment so that the payment history would not age. So although this was a closed account, they would using this predatory tactic by reporting it late every month so that my credit score continued to be impacted. I submitted a investigation with XXXX and they agreed that the company should not report it every month as a late payment. My credit report was fixed. A couple a months later, this company once again engaged in predatory tactics and increased the medical claim amount by {$5.00} in order to make it appear it was a new delinquent payment on my credit report. When I called the company, they stated the {$5.00} was a finance charge. They are now once again reporting this every month on my credit report. It is evident this company increased the amount by a fraudulent {$5.00} in order to justify re-reporting this old medical claim payment so that my credit report does not age and my credit score is continuously is impacted. 
The company is Progressive Management Systems.
Product: Student loan

I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement.
Product: Mortgage

My mortgage servicer, Ditech is doing dual tracking. They have started foreclosure proceedings while still evaluating me for a loan modification. In addition, they started foreclosure proceedings after I turned in all the paperwork and was waiting for a response to my loan modification. They then stated that I had not turned in the appropriate paperwork and then asked for paperwork I had previously submitted. Then they sent back XXXX because it was missing a date two months after I had submitted it and without anybody ever advising me that it was not filled out correctly.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2019 I transferred a balance to XXXX to take advantage of a 0 % offer for 12 months on a balance transfer. I set up auto-pay on the XXXX website. I verified my first payment went through without an issue in XXXX. After receiving no letters, emails, calls, texts, or other notices from the company I received an email from Experian in XXXX telling me I had a 30 day late payment reported on an a credit card account. After reviewing accounts I realized I was unable to log in and review my XXXX account details and my auto pay details. I called XXXX to see what happened. They took no responsibility for the fact that the auto pay system failed, they also took no responsibility for not even telling me in any form or notice that I was late at all, however, they did agreed to credit me back the late fee, nonetheless that was a minuscule consolation considering the company was damaging my hard earned credit history. After several more communications with XXXX and numerous hours on the phone I realized they were not going to assist me with removing this 30 day notice because they claimed there was no bank error. But, in fact, there was a bank error and even worse zero communication from them about my auto pay not going through or that I was even late at all. It took over 30 days after that payment was due before I finally received a letter from them in late XXXX saying my account had been closed and I could no longer make payments online. I must say, I have worked with many financial companies and I rigorously keep track of my payments and credit score. The service and attention I have received as a customer from XXXX has been appalling and I hope that by filing this complaint XXXX tries harder and modernizes and corrects their auto pay system, establish safe guards and warnings to customers when payments are not received on time, and establish a clear protocol to assist customers in removing bank error late payments that show up on customers credit reports due to XXXX  failure to communicate adequately or assist their customers. I have not had a late payment on any debt for over 8 years and it is very frustrating to work so diligently to establish an XXXX score only to have it dismantled by a poorly run financial company like XXXX, now my score is in the mid 600s. Please note I am still paying this card and do expect it to be fully paid by the end of the 0 % promotional period. I hope the CFPB can assist me with this matter so not only I, but other customers of XXXX do not get fleeced in this manner in the future. If I were preparing to buy a car or take out a home mortgage this could have had huge financial implications for me, so for now I am sidelined from making any significant purchase with credit like a car or home until this matter gets resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

The paperwork that has been allegedly sent has been abandoned and erroneously filed by XXXX and veteran home loans. I XXXX XXXX have not received any notices. And due to my XXXX of not being able to adequately communicate in legal jargon I believe the ADA needs to be alerted for taking advantage of a disable person and veteran. I will also file a complaint with TIGTA and the FTC.
Product: Credit reporting or other personal consumer reports

I've contacted the original creditor ( Ally Financial ) and all 3 credit bureaus XXXX, XXXX, and XXXX about inaccurate information that they're continuing to report on my credit reports. 
Please Verify and Validate all data for the account, every notation, dates and balances whether reported or not. 
I've been ignored and is in violation of my consumer rights according to the FCRA. 
This account needs to be removed immediately ( Account number XXXX ) creditor is Ally Finacial. 
All 3 credit bureaus are reporting incorrect dates of when the account was opened, and the amount owed. 
I would like to be provided with proof of where and when the vehicle was RESOLD and the amount it was sold for. According to FRC section ( 609 ) if you have no proof of any one, I would like it removed immediately. I would like an update mailed to me immediately.
Product: Credit reporting or other personal consumer reports

In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following personal information and inquiries need to be removed : incorrect historical data listed below : Incorrect Name - XXXX XXXX XXXX Incorrect Address - XXXX XXXX XXXX XXXX FL, XXXX Incorrect Address - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL, XXXX I also hereby formally dispute the accuracy of the following credit inquiries on my credit report : XXXX XXXX XXXX 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

I WAS OVERSEAS AT THE TIME OF THE IDENTITY THEFT IN THE XXXX XXXX. 
THE FOLLOWING ACCOUNTS ARE FRAUD. I NEED THEM REMOVED FROM MY CREDIT I CAN NOT GET A MEDICAL LOAN. 

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: Credit reporting or other personal consumer reports

Update on XXXX report XXXX/XXXX/25 XX/XX/XXXXXXXX now has added an inaccurate amount that was {$0.00} to now {$1900.00} after company replying to the CFPB that they removed the account from my credit file and they had removed it from XXXX as well. They are now committing fraudulent activity in regards to my credit report by continuing to change the amount on a closed account. This is against the law to do this through thd FCRA laws. Account was removed from both credit bureaus and yet updated the account and changed the amount on XXXX. That is against the law. I will no longer tolerate the inadequate remarks and FCRA laws this company is breaking and have contacted an attorney to discuss legal action.
Product: Debt collection

I am a XXXX year old woman suffering from XXXX XXXX. MCM has made repeated phone calls to me collect a debt of my daughter-in-law. these calls continued despite the fact that my daughter-in-law has never lived with me nor used my phone. I gave MCM that information each time they called. as a result of MCM 's cruel tactics I have suffered severe mental distress. every time the phone rang I was overwhelmed with anxiety.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XX/XX/XXXX I disputed 2 accounts with equifax which I have no knowledge of and the dispute came back expired as the creditor never responded but the collections are still on my credit report
Product: Credit reporting 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.

Account Name : XXXX XXXX Account Number : XXXX  Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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: Student loan

I currently am still in myXX/XX/XXXX program and out of nowhere have received a past-due notice today from Mohela for over 60 days for the amount of {$3700.00}. I never received bills from them in fact I received a forbearance letter this past XXXX while I am still in school. I am not getting bills that I owe {$630.00} a month. I was just on the site In XXXX where i showed a {$0.00} balance and now I owe {$3700.00} for 5 months past due and now new monthly bill. I can not afford this. I have called Mohela numerous times only to be left on hold for hours to no answer and unresponded emails. I can not afford this payment and never went over my repayment options or was given a chance. Not being able to contact them is the most frustrating part. I do not know what to do.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am disappointed to see that the Credit Bureaus chose to ignore my request and neglected to comply with the Fair Credit Reporting Act section 605b. I am a victim of identity theft once more, and the data on my credit report is the result of this crime. According to FCRA section 605b, credit reporting agencies are required to delete any accounts and information listed on an ID Theft Report. I did some research on how to remove the fraudulent information from my report and discovered that I needed to visit the Federal Trade Commission or https : //www.ftc.gov to file a report. Please refer to the ATTACHED materials to help stop false information from being put to my report. I need the following items removed from my Credit report : XXXX XXXX XXXX Balance Owed : {$1200.00} XXXX XXXX XXXX Balance Owed : {$2100.00} XXXX  XXXX Balance Owed : {$690.00} XXXX XXXX Balance Owed : {$770.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX Balance Owed : {$1100.00} XXXX XXXX XXXXXXXX Balance Owed : {$610.00} XXXX XXXXXXXX Balance Owed : {$94.00} XXXX XXXXXXXX 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 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 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 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 XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX. FCRA Section 605B ( a ) states that the CREDIT REPORTING AGENCIES must block any information in a customer 's file that the consumer claims came from an alleged identity theft no later than 4 business days following the date of receipt.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer reports, I discovered multiple late payment entries associated with my account that were inaccurately reported. As you are aware, Consumer Reporting Agencies bear a significant responsibility to ensure that all consumer information is reported with maximum accuracy. It is essential that the information reflected on my credit profile is both accurate and truthful. 

Specifically, I have never been late with any payments for my XXXX XXXX account ( Account # XXXX ). I respectfully request a thorough investigation into these erroneous late payment entries and demand that you provide verifiable proof, including statements, that demonstrate these payments were indeed late. To assist in this process, I can provide supporting documentation, including bank statements, payment notifications, timestamps from the XXXX payment app, and screenshots. 

Additionally, it is important to note that there have been substantial testimonies and reviews from numerous XXXX customers who have experienced similar issues regarding premature reporting of late payments. These reports indicate a pattern of errors where late payment flags are applied prematurely, negatively impacting credit scores. This further highlights the possibility of an internal issue with XXXX XXXX reporting practices, which needs immediate investigation. 

If sufficient proof can not be provided to substantiate these late payments, I demand the immediate removal of the derogatory marks and request that the account status be corrected to reflect " on time, never late, '' as this accurately represents the history of my payments. 

I have previously submitted multiple requests to the credit bureaus to address this issue, but to no avail. I am now seeking your assistance to rectify this error and ensure that my credit profile accurately reflects my payment history. 

Thank you for your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I DISPUTED INFORMATION WITH XXXX   AND EQUIFAX AROUND XX/XX/2018 REGARDING XXXX. ALTHOUGH I SENT IN RECEIPTS SHOWING PAYMENTS AND PAYMENT DATES AND A LETTER STATING THAT XXXX HAD ALLOWED PAYMENT ARRANGEMENTS TO BE MADE, THE CREDIT REPORTING COMPANIES DID NOT UPDATE MY INFORMATION STATING THAT XXXX   STATED THAT THE INFORMATION IS ACCURATE. IN ADDITION, IT DOES NOT STATE IN MY TRANSUNION THAT THE INFORMATION HAS BEEN DISUPTED. 

AS A RESULT OF THE MISREPORTING OF THIS INFORMATION, MY CREDIT SCORE FELL FROM XXXX TO XXXX.