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

When I reinvestigated my credit report, I see that the same account was erroneous. The 3 credit Bureaus are required to reinvestigate this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat this reporting account as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable account below : XXXX XXXX Balance : {$20000.00}, XXXX XXXX Balance : {$20000.00}, XXXX  XXXX Balance : {$20000.00}
Product: Credit reporting or other personal consumer reports

In accordance with th

e Fair Credit Reporting. Everything has to be 100 % accurate on my report. The credit report stated that my account was properly investigated but how is that possible if the open date is inaccurate, the date lady active is inaccurate and date last reported is inaccurate.
This is grounds for removal due to a violation of my rights under 15 U. S. C. 1681 Section 602 A stated I have the right to privacy. 15 U. S. C. 1681 Section 604 A Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have attached and highlighted the accounts incorrect.
Product: Mortgage

On XX/XX/XXXX my mortgage was sold to Freedom Mortgage Company I made my first payment with them on XX/XX/XXXX. I begin receiving phones call from them indicating that they had not received my payment. I then contacted my bank, XXXX XXXX XXXX and they investigated and concluded Case ID : XXXX, that the payment had been received by them. Then in XX/XX/XXXX I made my second payment XX/XX/XXXX and found out that this company applied my XX/XX/XXXX payment to XX/XX/XXXX. Then they begin calling me for a XX/XX/XXXX payment, on XX/XX/XXXX I made a payment for XX/XX/XXXX and they have applied that payment to XX/XX/XXXX and now are calling for a XX/XX/XXXX payment. In XX/XX/XXXX I spoke to XXXX ID # XXXX @ XXXX who informed me that my XX/XX/XXXX payment was misapplied and that it was found and everything was straighten out apparently it's not and I'm continuously receiving calls for payments that I've already made. Once again my bank is involved and they can't understand what the issue is either considering that they have already provided an investigation into this matter, because once again they're saying that this all goes back to my XX/XX/XXXX payment that they didn't receive.
Product: Credit reporting, credit repair services, or other personal consumer reports

Tried to use Experian 's Security Freeze website to freeze my credit. Provided the same information used to successfully freeze my credit at XXXX. Was notified they were unable to honor my request without providing any feedback or recourse except to send highly confidential information via mail and wait some unspecified period of time, which leaves me open to identify theft.
Product: Credit reporting

Disputed creditor named XXXX account # XXXX.... on my Experian credit file and Experian and XXXX failed to remove this account even though it does not belong to me, They also failed to provide proof that this account is mine.
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 significant funds when transactions were authorized, I was charged late fees due to lagged postings 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 transaction.
Product: Credit reporting or other personal consumer reports

Hi my name is XXXX XXXX, I am writing to delete the following information in my file. The items to be deleted are listed on my uploaded dispute documentation. The information I have listed on my dispute letter does not belong to me and I would like this information investigated and the items removed as soon as possible.
Product: Debt collection

I received a statement from Collections U.S.A Inc stating I owe XXXX which is incorrect when I moved out I owed XX/XX/XXXX {$0.00} even when they verified my rental information with my last two apts they verified I owed {$0.00} This company is harassing me with false tactics and I will be filing a claim against this company in small claims court for harassment on a bill I don't owe. I would like for CFPB to look into this company for sending out false statements. I feel that Collections U.S, A should be audited and investigated immediately. This debt is not valid and I do not agree with it. The account number listed on the statement is XXXX I had no such account.
Product: Mortgage

I Purchased a home through the builder XXXX who sold our mortgage to Loancare LLC. They have serviced our mortgage since XXXX and we have experienced several issues with the company. We are being told that we must carry an escrow account with Loancare that then they are responsible for paying our taxes and home owners insurance. For the last three years Loancare has payed our taxes and Homeowners late. We have contacted the company every year to discontinue our escrow account and begin paying taxes and homeowners ourselves and every year they give us a different story for not being able to discontinue the escrow account. The first response said that we needed to carry the loan for 2 years before we could discontinue the escrow account. Now that we are 3 years in with Loancare as our mortgage holder they say that we have to be under 80 % on our principle. We spoke with them on XX/XX/XXXX when they were asked how we can make sure that they make our payments on time the person explained that there is nothing that we can do and if our homeowners insurance lapses then that sucks and we are responsible. My wife and I are beside ourselves with this response and are very concerned. Our insurance lapses in XXXX every year and we are not covered under homeowners insurance from XX/XX/XXXX until whenever Loancare decides to pay the taxes and homeowners. We are also being penalized and having to pay more in our property taxes due to the late payment. We feel helpless in this situation and are trying to figure out how to sell our home in order to get out from under Loancare.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the last almost year since XXXX of XXXX TransUnion has flat out refused to allow me to dispute 2 fraudulent hard inquiries made on my credit report in XXXX. XXXX XXXX XXXX allowed me to dispute the fraudulent inquiries, they were investigated & removed. TransUnion is the only credit bureau refusing to allow me to dispute this fraud against the FCRA.
Product: Checking or savings account

I receive a paycheck every other Thursday. This morning I woke up and noticed that I had not revived my direct deposit for my paycheck. I tried reaching out to Capital One by phone but there was a tremendous hold time. I checked all of my email folders including spam to see if I may have missed some sort of message from Capital One, even looking at their social media and got no results. 
I searched in XXXX and XXXX and behold according to a detector website that detects technical issues with companies, thousands were asking the same question. That was at XXXX this morning. It is currently XXXX the same day and no statement has been provided to me by my bank as to where my funds are. 
I do not make enough to afford to miss a direct deposit. I have rent and other bills that are being declined because of insufficient funds and I am getting additional fees which means if I finally do get my direct deposit itll be significantly less due to any late fees and bounce back charges. All Capital Ones site says is that they are having technical issues and that they are working on resolving it quickly. 
Im frustrated by the lack of transparency and clearly lackadaisical attitude my bank has regarding depositing their customers money.
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I sent a letter to Equifax information services stating that they are reporting the wrong info on my credit report about the auto loan with XXXX, I tell them that there should no balance on the account, and as proof I attached the proof from XXXX credit reporting agency that the balance is {$0.00} and it has been over 60 days I never herd back from them to update the info to the correct info, and this is defamation of character
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX services I had never apply for their service and I got a credit inquire from them on XX/XX/2018. I had call them at XXXX and they could not location an account with my social security number, so they advised me to dispute with consumer financial gov. 
As well two other inquiries from XXXX  on XX/XX/2018 they number is XXXX. Brclysbankde on XX/XX/2018 did an inquiry without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Legal Department, This credit dispute is being submitted as a new evidence dispute. The accounts that are being disputed, does not belong to me. Below is my sworn statement concerning these credit issues. 

It is my sworn statement that I declare under penalty of perjury ( " under the laws of the United States " if executed outside of the United States '' ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am qualified and authorized to file this dispute. I also understand that knowing and a willful misstatement or omissions of material facts constitutes a federal criminal violation punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable l1S perjury under 18U.S.C. 1621.

The tradelines listed below are items currently within my credit file, and none of these are related to any transaction that was made by me. It is my official statement that someone and/or several people have opened these accounts and made transactions on these accounts without my knowledge or authorization, my personal information has been used to obtain goods, services, or money : and the person XXXX XXXX ) responsible for creating these accounts. 

I have filed a report with the Federal Trade Commission, which I have enclosed within this dispute package. I have reached out to all of these creditors and have made them aware that these accounts were fraudulently opened, and they have known this for several months, but have yet to remove these accounts from my credit reports. Some of the creditors have been cooperative and have removed the accounts, but others have refused to remove the fraudulent accounts. Therefore, I have come to you, the credit reporting agencies to resolve these issues. The law says that you must block these accounts while being investigated, and I expect that you will do so. 

I made an attempt to file a police report, but I was informed by my county that it did not constitute as an emergency and that they would not file the report because I didn't have any information on the person who used my information, nor did I know how my information was obtained by this person. 

Likewise, these COLLECTION ACCOUNTS are also not mine. None of these belong to me. This means that I was not the person, which had an account with the original creditor, which has sold these accounts to these collection agencies that are now reporting the debts. 

COLLECTION AGENCY : XXXX  XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX XXXX   ACCOUNT NUMBER : XXXX COLLECTION AGENCY : XXXX ACCOUNT NUMBER : XXXX
Product: Credit card or prepaid card

I saw a purchase of {$97.00} on my PayPal on XX/XX/XXXX on my account under email Id XXXX which wasnt authorized by me. 
I disputed and raised security concern with PayPal on the unauthorized activity. They said that since IP address matches on their side they consider this an authorized transaction. 
I also requested them to escalate the issue that Paypal is onboarding dubious accounts and not performing due diligence. This potential account which is posing as XXXX XXXX XXXX may be cheating other customers. 
I requested them to escalate and resolve both the issues however its being ignored.
Product: Student loan

NelNet is charging interest on student loans and has been, even though congress has suspended. The representatives refuse to assist in helping resolve or educate on why they are charging interest and has been. 

www.nelnet.com
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/20 today I send the report because I found many accounts not mine this is fraud accounts.
Product: Mortgage

My husband and I recently just got a loan modification through our mortgage company. Because we were struggling to make ends meet. And wanting to keep our home and not wanting to be foreclosed on so are mortgage company made us think that a loan modification is our only option and forced us into a ridiculously high numerous fees charges loan modification or we lose our home to foreclosure.. and this loan modification has put us in so much financial stress and it all started from our mortgage company and Ive already filed a complaint about this with our {$580.00} insurance premium that went missing back in 2015 that was supposed to be paid to XXXX XXXX.. We are getting nowhere with our loan through our mortgage company because our mortgage company doesnt want to work with their customers with American people that have families and that have lives and a mortgage company like I have my loan through does this to me and my family. And will not address any of my concerns regarding my loan or my loan modification agreement my escrow account my homeowners insurance anything that has to do with my loan from top to bottom my mortgage company will not address my concern at all. And so I now doing my own research know that this is not my only option to keep my home for myself and my husband and my kids and Im not going to stop until I get the justice we deserve weve been with this mortgage company for 10 years weve suffered for 10 years from day one with this mortgage company they are nothing but dirty crooks that dont care about American people.. this mortgage company uses fraud and kickbacks to get what they want from their customers loans. And I get no answers at all and Im not stopping until I get the justice that we deserve
Product: Mortgage

I lost my job a week ago XX/XX/15 due to the Coronavirus pandemic and my funds are limited. I may not be able to pay my mortgage for the foreseeable next few months. My mortgage is owned by XXXX XXXX and is serviced by Chase bank. According to CFPB website regarding the CARES Act ruling regarding federally backed mortgages ( which mine is ), I have the option to apply for forbearance on my mortgage for 180 days and a second time, if need be, for another 180 days. 

Upon calling Chase to ask for this forbearance, I was told by a representative that they have not heard of such ruling and that they can only defer my mortgage for 90 days and only 1 time. After the 90 days my 3 months of mortgage payments as well as my 4th month 's payment will be due as a lump sum. 

I find this very troubling since these are not the rules the bank should be abiding by as stated in the CARES Act. Also, how am I supposed to pay 4 months worth of payments in a lump sum if I'm UNEMPLOYED? If I could pay 4 months of payments, I would not be asking for forbearance in the first place. 

These " options '' from Chase bank are only masked as being helpful when in fact are only going to hurt people more.
Product: Debt collection

I trust this letter finds you well. I am writing to bring to your attention a recent resolution regarding an internal issue with my bank, MOHELA/DEPT OF ED that has affected the reporting of my account status on my credit report. I kindly request your assistance in updating this information to accurately reflect the true status of my account. 

MOHELA/DEPT OF ED XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or MOHELA/DEPT OF ED customer service representative XXXX 

Upon careful review of my credit report, I noticed discrepancies in the reporting of my account status. I would like to provide clarification on this matter. Due to an internal issue within MOHELA/DEPT OF ED, my account status was inaccurately reported, suggesting that it was not open or that payments were late. 

After addressing this matter with MOHELA/DEPT OF ED, I am pleased to report that they have acknowledged the internal issue and have agreed to update my account status to reflect that it has always been open and never late. I kindly request that you update my credit report accordingly to accurately reflect the positive standing of my account. 

Enclosed with this letter, you will find supporting documentation from MOHELA/DEPT OF ED, confirming their acknowledgment of the internal issue and their commitment to rectifying the reporting inaccuracies. 

I understand the importance of maintaining an accurate credit report, and I appreciate your prompt attention to this matter. Your cooperation in updating my credit report will ensure that my credit history is a true representation of my financial responsibility. 

I kindly request that you notify me in writing once the necessary corrections have been made to my credit report. If you require any additional information, please do not hesitate to contact me. 

Thank you for your understanding and assistance in resolving this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and transunion are stating that the address XXXX XXXX XXXX XXXXXXXX ga XXXX belongs to me and they are falsely reporting this information to the credit bureau and anything tied with this address as well as XXXX XXXX XXXX XXXX XXXX XXXXXXXX ga XXXX does not belong too me and should be remove from my credit report. below i have documents to prove my most updated information. 

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 XXXX acount XXXX account XXXX 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 consumer reporting agency can not furnish a account without my written instructions
Product: Payday loan

i had a balance on a pay day loan to Multiloan Source of XXXX. The account was submitted to collections. I started to receive phone calls from a XXXX XXXX at XXXX XXXX at work and even called my brother who not even listed on any of my information.They call threaten and try to shame and pressure me to give my card number over the phone. They leave a claim number only. When I call back they state the courts would love have my case and it on the mangers desk. I asked for written proof they send an email with no contact address or contact name. When I asked they nasty and hung up. Called Muti loan Source refer to XXXX XXXX auto refer to XXXX XXXX XXXX get a message XXXX XXXX away from desk leave a message. This has happened several times. 
My original Account # is XXXX bal. XXXX XXXX claim # XXXX Multiloan source XXXX They state they do n't know who account may have been given too.
Product: Credit card or prepaid card

I have the apple credit card. I have ~ {$930.00} in available credit however my card keeps getting declined for a {$18.00} transaction. I talked to the Apple Card customer support and they told me this is due to my account being " under review '' and they can't tell me how long it'll be restricted for.
Product: Checking or savings account

On XX/XX/2020, I attempted to link my PNC Bank checking account to the XXXX app. It would not let me due to a change PNC Bank had allegedly made.
Product: Credit card or prepaid card

I was charged an extraordinarily high cash advance fee of {$10.00} on a transaction of about {$100.00}.
Product: Checking or savings account

XX/XX/2018 ( Monday ) Complaint against PNC bank FTC Identity Theft Report Number : XXXX On XX/XX/2018 I brought promotional offer that I received from PNC bank to open brand new consumer checking account. I have verified with this branch located at XXXX XXXX XXXX XXXX Washington DC XXXX for promotional offer before I open new accounts. A staff at front desk told me that I can receive both {$300.00} personal checking acct bonus and {$200.00} business checking acct bonus. Then he asked a sales associate named XXXX XXXX to assist me. XXXX XXXX has asked all my personal information such as name, residential address, social security number, driver 's license number, phone number, email address, PIN number. I showed two proof of ID per his request. However after he obtained all my personal identity especially social security number and driver 's license number, residential address etc. Then he told me he was unable to open new personal account. I questioned him why. But he can not tell me the reason. For the same information I provided, I can open checking account with other banks in the past. At this time, since he can not open new account and I am NOT PNC bank 's customer, I asked him to completely delete my personal identity from XXXX bank 's system in order to protect my identity. Under my 3-4 times asking including to call his branch manager, he still refuse to delete my identity and information. I was extremely upset by telling the staff at front desk to purge my personal information plus pay my damages. I have filed a FTC identity theft report with reference number XXXX.
Product: Mortgage

My mortgage company has forced us to escrow our taxes into our mortgage last year and just received a certified tax document stating that taxes were not paid for XX/XX/XXXX. When I contacted the mortgage company, I was transferred from one person to another, each stating that it is paid electronically every month and when I wanted to have proof sent to me, ( cancelled check copy, any kind of copy ), they stated that they ca n't do that. I advised them that the late tax document stated if that it was not paid by XXXX XXXX, XXXX additional penalties will be added on and if not paid by XXXX, our home will be put up for auction proceedings. After going thru quite a few people, I was given the tax dept of the mortgage company and the advisor said that it will be paid within 5 days. I asked why it was n't paid and they advised that " it slipped thru the cracks ''. I can not believe he said that. I told him that I want a copy of payment..this should n't be happening. Now, my home insurance company called and advised me that the same mortgage company called and said that they are going to do the homeowners insurance thru them ... we DID NOT give them permission to do that. We would never drop our current homeowner insurance provider. This has to be illegal!!!! What can we do to protect ourselves against this illegal activity..We pay for the escrow every month along with our mortgage and they are not even paying the taxes..they are keeping the money!
Product: Debt collection

XXXX XXXX Bank of the West payment confirmation # XXXX I paid my account in full and the collection company is not willing to delete my account from the bureaus. Other companies either delete after paying in full or have claimed the same that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....