23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We recently received a Notification from a Servicer : NewRez LLC, XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX Shellpoint Mortgage Servicing Servicer Contact Information : Loss Mitigation Dept.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXWe were not aware that our mortgage had been transferred or sold until recently after we questioned about issues connected with XXXX XXXX XXXX XXXX XXXX XXXXWe asked for Validation of Debt/Proof of Claim Request , Error Resolution & Information Request ( ERIR ) and Qualified Written Request.We have also recently inquired about the control number assigned to our account.The control number assigned to XXXX XXXX XXXX XXXX XXXX  XXXX is XXXX it was listed in XXXX  XXXX XXXX XXXX XX/XX/XXXX XXXXThere are still Forensic Mortgage Violation Assessment Screening and these are 4 severity concern which have not been answered and now we are assigned to a Shellpoint Mortgage Servicing with our information that has not been answered.XXXX  of XXXX XXXX is also involved as well as XXXX XXXX XXXX In XXXX We Trust XXXX  XXXX.
Product: Student loan

First and foremost, I want to make it clear that I did not request information from Department of Education/Nelnet because my accounts information clearly states on their website and displays that I do not owe any balances and that they are {$0.00} paid in full. This information is also read to me when I call in over the phone by the automated system and confirmed by Department of Education/Nelnet staff .

My Department of Education/Nelnet loan accounts were transitioned to XXXX effective XX/XX/XXXX. However, the Department of Education/Nelnet has not updated the loan balances to reflect that the information they have and that is currently own their website {$0.00} paid in full/closed. As a result, the loans are being double reported by both lenders Department of Education/Nelnet and XXXX for almost a year now. 

I started this dispute process on XX/XX/XXXX. I tried to see if the loans would update on their own, but they haven't. I have made numerous calls to Department of Education/Nelnet and XXXX. I even submitted disputed the inaccurate information through the credit bureaus dispute process and uploaded supporting documentation as evidence. 

I still have not been completely successful. When I call into Department of Education/Nelnet I am given conflicting information. One individual advised it should be corrected with an updated file to the bureaus. A supervisor advised they are aware of this problem and that this is impacting other borrowers. The supervisor also advised the Department of Education advised Nelnet not to report on an old loans ( meaning they longer have the ability to make the updates ) and that XXXX was responsible for making the changes. I called XXXX and they advised It's Department of Education/Nelnet 's responsibility. 

I am continuously getting the runaround and this is impacting affecting my credit and scores. I have absolutely no late payments of balances. When trying to apply for a new loan we are being questioned about the student loans that are being double reported. This is ridiculous. The Department of Education/Nelnet has been violating the Fair Credit Reporting Act for almost a year with no consequences.
Product: Checking or savings account

Money was taken from my account on several occasions. Dates will be researched, I filed a complaint with cash app thur the app but no one ever called or replied back to me. Money was sent to people pretending to be from my contacts. After requesting someone investigate for several years still nothing
Product: Credit reporting or other personal consumer reports

I have items passed on that should be taken out or blocked. Per FCRA segment 605, Credit Bureaus are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider that Credit Bureaus are responsible for their tenacious rebelliousness. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX a certified letter was mailed to Equifax asking them to delete the information that was reporting inaccurately on my Credit report. The certified letter was received on XX/XX/XXXX at XXXX. The letter requested that I demand XXXX XXXX XXXX be removed from my credit report due to Equifax reporting the date of last activity they have listed on the credit report is XX/XX/XXXX. How can this be? When the account according to the credit report was opened a whole year later on XX/XX/XXXX. So this would mean this information is reporting wrong and incorrect. I have asked Equifax to remove this account but yet and still it still reports on my credit report. I also have a letter from XXXX XXXX XXXX where this account should have been removed last year in XX/XX/XXXX along with XXXX  and XXXX I have disputed this account several times with Equifax and yet they have been lackadaisical about removing items and reporting erroneous Information to the CRA. According to the Fair Credit Reporting Act this should be deleted and is suit for a law suit.
Product: Payday loan, title loan, or personal loan

I made an over payment of {$100.00} to Concord Servicing. 
They have acknowledged the over-payment but refuse to make the refund. 

-Account paid in full XX/XX/XXXX XXXX received dated XX/XX/XXXX confirming paid in full -Letter received dated XX/XX/XXXX initiating refund of over-payment -Spoke to customer Service " XXXX '' XX/XX/XXXX advising XXXX I will require a physical check, not an ACH, mailed as the bank account associated with auto drafts is now closed. He confirmed a physical check would be mailed to my home address. 
-Spoke with customer service, " XXXX '', XX/XX/XXXX, confirmed check issued and in the mail -Spoke with customer service. " XXXX '', XX/XX/XXXX. Was told ACH was sent. No physical check was ever mailed -Confirmed with XXXX XX/XX/XXXX ( the facilitating bank ) that no pending transactions and no transaction ID of ACH being ever being received or returned to my closed account. 
XXXXEmail sent to " resolutions '' XX/XX/XXXX requesting assistance with reimbursement. 

This is now over 90 days of chasing {$100.00} due to me.
Product: Credit reporting or other personal consumer reports

Experian sold my data and has had a data breach. And has inaccurate information on my credit profile.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts fees I have incurred. Despite have sufficient funds when transaction were authorized. I was charged fees due to lagging posting of charges and credit. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX # XXXX ( XXXX ) XXXX IS REPORTING THIS BUSINESS BELOW, AS A COLLECTION ON CREDIT REPORT THIS IS DUE TO IDENTITY THEFT PLEASE REMOVE OFF MY CREDIT REPORT BUSINESS THAT'S REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  PLEASE REMOVE OFF MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing about an issue I have had with XXXX XXXX. I have a XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX with them. Back in XXXX of this year I lost my job which caused me to require financial assistance so I called comenity to let them know. They transferred me to their Hardship Department which set me up on a payment plan with them. Since that date they have been automatically taking payments from my account. I have called them so many times to explain to them that my account is not being accurately reported to the credit bureaus. They dont believe me and will not help me. The representatives do not understand what I am asking for they will not help me in any capacity. 

I am on time with my payments and so far the only account which reflects this is XXXX XXXX. Not only is this effecting my credit it has caused me to get denied for housing. Ive tried disputing it with the bureaus and they will not remove it. This is insane that they are allowed to do this when they are taking the money from my account each month automatic payments! Ive emailed their ceo their executive office no one will help me. As you can see from the screen shots the last time theyve updated their reporting for me was XXXX and XXXX of last year siting also that they havent gotten a payment since XXXX when they just withdrew a payment from me in XXXX! Please help me!!!
Product: Mortgage

Good morning, we have the worst experience with the mortgage company that was transferred from our previous company ( it was sold to them ), back in XX/XX/, a car crushed into our house while we were there, thankfully we survived but emotionally and XXXX  we are struggling a lot, our home insurance had helped us during this time, we are experience so much delays when it comes about getting the funds release from the mortgage company, we are aware that in order to do that we have to request an inspector as the work/ construction progress, but we believe that Safeguard ( the company who is in charge to set the inspections ) clearly has not provide or process their inspections reports properly to Flagstar and because of that it caused a lot delays to pay our contractor, we had to call them pretty much everyday and we can not get one person to handle our case, everytime is a new person/ representative who clearly does not know how everything has been handled from the beginning, we are in so much distress thanks to Flagstar, we had uploaded all documents required by them, every single document that they needed its in our account and every time they speak to us they request something that they have on file, we are paying our mortgage monthly, on time not delays, on top of that we have to pay extra expenses because our homeinsurance policy already covered us for over a year, we explained this to Flagstar and they have zero symphaty with us, they always say a request might take between 5 to 7 bussiness days and we will advise you a resolution that might take another week like we have time to wait?, our contractor has been very patient with us and also he is in so much frustation because of the delays from flagstar, we have spoken with so many representatives that some of them say something diferrent from the others, we want our house to be fixed ASAP but this bank wont cooperate at all, always giving us a hardtime when we need to pay our contractor, they have zero clue how much we are struggling, we have contacted our adjuster that we hired and also the adjuster from our home insurance to be on the phonecall with them to explain and confirm all doubts and costs from our claim, we did this more than 3 times and they still asking questions and wont understand that in order to get more funds release from our home insurance our contractor has to do the work up to code, this was explained thousand times to Flagstar and nothing has been changed, we need HELP to get this funds asap and to pay our contractor on time otherwise we are going to losing him.
Product: Credit reporting or other personal consumer reports

The Credit Bureaus TransUnion, XXXX XXXX XXXX, can not provide evidence that I consented to them reporting my non-public information, transaction history and that I gave up my federal rights to opt-out and sharing my private information with affiliates/nonaffiliates. 

Their violations for several years has severely affected my ability to live, work, educate and function financially as a federally protected consumer. The data breach is proof of claim that the willful sharing of my private nonpublic information with affiliates and non-affiliates has made it possible to exposure and theft of my private information caused financial loss. Which has continued to adversely compromise my right to pursue happiness. 

I have given my instructions to the third-party agency to Remove transaction history and the following per the Federal Law. Instead of adhering to my federal right to opt-out I did not authorize the public display of my nonpublic information. 
( 15 U.S. Code 1681b - Permissible purposes of consumer reports ), ( 16 CFR 313.7 - Form of opt out notice to consumers ; opt out methods. ), ( 16 CFR 313.1 - Purpose and scope. ), ( 15 U.S. Code 6801 - Protection of nonpublic personal information ), ( 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ), ( The Family Educational Rights and Privacy Act ( FERPA ) ( 20 U.S.C. 1232g ; 34 CFR Part 99 ), ( The Privacy Act of 1974 ( 5 U.S.C. 552a ) 552a. ), ( 16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. ), ( 16 CFR Part 313 - PART 313PRIVACY OF CONSUMER FINANCIAL INFORMATION ), ( 15 U.S. Code 6805 Enforcement ), ( 15 U.S. Code 1692e - False or misleading representations ) TRANSUNION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XX/XX/year> I mailed out a FTC report to Transunion disputing inquiries that I did not authorize nor gave these companies permission to furnish my account. I have yet to receive an update or a response regarding my credit report. It has been well over 30-45 days. 

SEE ATTACHMENTS AND DATES
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Sir/Madam, I keep monitoring my credit score in XXXX XXXX. I noticed a hard inquiry that I don't recognize on the Equifax Report. The inquiry was done by XXXX XXXX  on XXXX XXXX, 2018. I have been trying to keep the low profile and working hard to improve my score, I have no plans on doing anything ( auto loans or any other loans ) that will impact my credit score for few years. It is sad as well as scary that I was trying to save my credit health and this happened all of sudden without my knowledge. I would appreciate any help provided to this. 

Sincerely XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the XXXX  has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXXXXXX Balance : {$4100.00} XXXX XXXX Balance : {$110.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im writing this letter to dispute the following accounts : This agency is in violation of 15 U.S.C. 1682 ( g ). They were to notify me of this in writing 5 days prior, I was not. As the original creditor, only I can validate this debit. I do not validate this debt. Therefore, the following accounts must be deleted from my report. 
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company ; I will also be seeking {$1000.00} per violation for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violations of 15 U.S.C. 1692 ( g )
Product: Credit reporting, credit repair services, or other personal consumer reports

1. In XXXX I missed one or two months of payments due to a medical condition that resulted in 2 hospitalizations. These missed payments have caused my score to be dragged down for years. 
2. XX/XX/XXXXXXXX told me to open more credit cards which I did and this dragged my score down. 
3. I paid off a new XXXX XXXX XXXX via XXXX XXXX and it is not on my record. I have contacted them and you and they do not respond. 
4. I own my home and paid off another. This is not reflected in my score and Im told nothing can be done about that. However, it is held against me b/c real estate is not in my credit report. 

FICO scores do not work unless you are upper middle class and above and have the time and money to dispute things. It is an inherently biased system that disadvantages people who are older, as well as other disenfranchised populations..
Product: Student loan

I have reached out to Navient numerous times in an attempt to lower my monthly payments and/or lower my interest rate. Every time they strongly suggest putting the loan into forbearance until I am able to make the monthly payment. I do not feel this is an acceptable option. 
The loan was acquired by Navient from Sallie Mae in XXXX at the amount of {$10000.00}. Even with the amounts paid since then the loan balance sits at {$10000.00}. There is a current amount of {$38000.00} in Accrued Interest. How is this acceptable? How is anyone alive able to crawl out of this? 
My wife & I were forced to file bankruptcy when the pandemic hit. Yet the loan still stands and payments are still being made. I feel Navient has gotten more than their fair share at this point.
Product: Credit reporting or other personal consumer reports

Upon reviewing my consumer credit reports, I identified an erroneous late payment entry on an account where I have consistently maintained timely payments. Credit reporting agencies play a vital role in disseminating accurate consumer information, and I request a prompt investigation into this matter. I have attached a screenshot highlighting the relevant dates that demonstrate my adherence to the agreed-upon payment schedule. I urge the provision of evidence supporting the reported late payments. If unable to provide proof, I request an immediate update of the late payment status to reflect the accurate disposition as " paid as agreed '' or " OK. '' Please find the attached screenshot for your expeditious review.
Product: Credit reporting or other personal consumer reports

My complaint are more so directed at TU XXX for reporting information that does dot belong to me. I have recently sent my FTC Identity Theft Report along with Affidavit directly to credit bureau 's regarding my credit reports. I will upload information pertaining to my complaint prior to submission.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 9th attempt to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX Balance : {$610.00} XXXX XXXX XXXX Balance : {$1900.00}
Product: Credit card or prepaid card

American Express is advertising offers for members to be reimbursed for a variety of services. However, to actually get the reimbursement, you have to contact them multiple times, they will try to deny it, or will deny it based on " term and conditions '' that are not anywhere on the website. I've spent over {$150.00} that the card won't reimburse.
Product: Checking or savings account

On XX/XX/XXXX I made 2 transfers that involved my other bank accounts without any issue, and 1 on XXXX XX/XX/2023, shortly afterwards I received an email saying that they put my account on hold and that I'm supposed to call them and so i did. I explain to 4 different people in Fifth Third of what is going on, they said that they use a 3rd party application for these transfers and it was not able to provide that I am the owner of those bank accounts, i told them i am the owner and i can provide them with the account statements. However, they do not accept account statements being emailed or send electronically, they want me to come to a branch and show it to them. I asked them where is the nearest branch to where i live and they told me it is 9 hours and 56 minutes away, i ask them is it reasonable to ask me to drive or fly all the way there just to show account statements, i also asked if they will reimburse my travel expenses if i do and they said no. 
They blamed me because i moved away from their branch, I guess that they dont realize people do not always live in the states where they opened their account or that moving out of state is a foreign concept to them. Eventually, they gave me 2 choices which are close the account or drive 9 hours and 56 minutes just to show them account statements that can be send electronically. I told them you can close the account but the funds that i have in the account can either be send in a check after 30 days or i can withdraw it through their partner ATM which there is a fee to that. I dont understand why they need to keep XXXX of my money for 30 days if they choose to close the account today. 

In 2023 where any other bank accounts including IRS accepts electronic documents, apparently Fifth Third does not. In addition, i also would like to add that i have shown every good faith that i have, yet Fifth Third treats their 3 year long customer like a criminal and at the same time they dont want to provide a reasonable way for me to provide the account statements and they keep my money XXXX for additional 30 days, just to let you know, Fifth Third also withdrew my money from my other account then put the hold on my account, which if you think about it is highly unethical. Moreover, the total amount of money after the transfer is a little over {$4000.00}. 

For the customers, I hope you read my case with Fifth Third and think twice before opening an account with them, and as for CFPB I hope you view how unethical they operate and make an example of banks who hold their customers money XXXX.