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

On average I have called them 4 times a month because Navient constantly kept taking out a payment from my bank but a week later it would be refunded with no record of a withdraw or refund and they would claim that I never paid it. Then my {$200.00} dollar payment would be {$1000.00}. 

On top of that they have constantly recorded information incorrectly. In XX/XX/2018, I had called 12 times because someone had typed in my account number wrong. 12 times they told me it was fixed. They lied everytime. They have even lied about their office hours and have given me fake phone numbers to contact them. They are despicable XXXX XXXX. They use illegal tactics and tons of fraudulently information and I want my loans transfered to another company. I have been put through a living XXXX with these XXXX XXXX. My own mothers credit score was hit with 100 points because they faled a missed payment. I am barely scraping by and these people deserve to be in jail.
Product: Mortgage

NACA - Neighborhood Assistance Corporation of America at XXXX XXXX XXXX # XXXX, XXXX, CA XXXX. Has abused, harassed and neglected my file. I am a single women that has never purchased a home. The have asked me for the same EXACT paperwork 7 times since XXXX 2016. I have worked with 5 different counselors that have been fired. I was told that one of my counselors " lost '' my information and i needed to reply. There have been times I had to call up to 20 times and send up to 10 emails before I am approved. I do not see similarly situated people treated this way. Then when I am finally contacted I am told too many days have passed so my credit needs to be run again and that i need to pay to have it run. The reason so much time passes is because they do not answer my calls then force me to pay and have my credit run again. I only gave them permission ONCE to run my credit while they ran my credit another time without my consent. The first time they ran my credit they said they lost the forms and needed to start over. This is a complete mess. I would like to ask for a refund of my one credit check fee and also for my membership dues and the inquiry on my account removed. They are bullying me into running my credit. Since they know I do n't want my credit score to be lowered they just tell me they will have to run by credit once a month in order to get the loan and they keep telling me my file is complete and sent to underwriting and later i find out that it has not been submitted and that I am required to resend the SAME information again. This is becoming harassment.
Product: Mortgage

We were approached by Nationstar Mortgage to refinance our loans to one loan. We were also given a rate and payment amount at that time. We obtained a payoff quote in order to pay off the 2nd loan. We signed the paperwork without an understanding that the lender did not pay off the 2nd. Our payment essentially is the same. However, we had 20 years of payments left. We now have 30 years of payments left on a loan at a higher interest rate than we were told. We will end up paying MORE over the life of the loan than we would have if we had not refinanced. We will pay 10 more years of payments and because the 2nd loan was not paid we also incurred a 30-day late on our credit report, jeopardizing the possibility of purchasing our next home. We lost out on a home that we wanted to live in as our credit scores were too low to obtain a mortgage. We are also paying more money than we would 've paid and we still have a 1st and 2nd mortgage. There was no Net Tangible Benefit in obtaining the loan. The servicer sold the loan and gained the only benefit. We not only suffered the loss of a primary residence ( the refi was an income property we purchased as an asset for our children to have one day and we intended to take money out to help with a down payment on our primary residence ), we also have suffered financially. We could not get the house we wanted because of the credit damage and the inability to get equity from the income property. And we are going to be paying the 1st mortgage a decade longer with no real benefit but rather a loss overall.
Product: Credit reporting or other personal consumer reports

I had a credit card with XXXX XXXX XXXX in XXXX they gave me a line of credit for XXXX XXXXXXXX in about 2 years I lost my job and was running behind on my payment which by then I only owed {$2800.00} in the card. After missing the 2nd missed payment they placed a hold on the card and when my tax refund was received into my checking account. XXXX XXXX Garnished the {$2800.00} from my checking account to resolve the credit card balance and closed the account. A few months ago I received a letter from XXXX XXXX XXXX XXXX requesting payment for a balance of {$20000.00} to resolve XXXX XXXX XXXX XXXX account. 

I went to a XXXX XXXX XXXX and they could not pull any account information back from XXXX due to their new system and could not go that far back into their history to provide any additional information concerning these charges. 

I am formally disputing this billing error in accordance with the Fair Credit Billing Act ( 15 USB 1666b ) Account # XXXX XXXX XXXX XXXX XXXX and requesting that It be investigated and removed from my credit report. 

I do not have any financial obligation toward XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. Thank you for your prompt attention toward this matter. I expect a written confirmation and the result within 30 days.
Product: Credit reporting or other personal consumer reports

At the beginning of this year I requested from all the major credit report companies my credit report because I notice while checking Credit Karma, that it said I had {$64000.00} in student loans debt when I reconfirmed then and again today with my federal student loans provided XXXX that my account balance is only {$30000.00} dollars. Plus its just impossible for me to have that much debt when I got the maximum amount of loans I could four years ago in XX/XX/XXXX. Plus Credit Karma and XXXX are reporting that I opened more student loans years after my graduation date including on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. 
I requested the a credit report via mail in XXXX I believe because thats the only free option they gave me. XXXX and XXXX both mailed me the report but I never received my report in the mail from XXXX and I can prove this because both the XXXX and XXXX reports have exact same date for when the report was made. I then submitted a dispute via Credit Karma, which notified XXXX on XX/XX/XXXX, that I believed my entire report was incorrect but all they did was change a the single loan that the dispute is attached to because you cant dispute more than one loans at a time and it takes at least a month for the dispute to be processed. Around this time I was literally getting promoted to be a teacher so I let the matter go for some months till now again seeing XXXX and Credit Karma are seemingly adding my brothers student loans and other personal/auto debt onto my credit report and I believe its ruining my chances of getting loans to start my own business or simply getting credit cards or anything having to do with credit. After sending a dispute sayingy entire report was wrong they only changed a single loan on my statement. I explicitly expressed that the entire report was wrong. And honestly I dont even know how long its been since theyve been misreporting my loans.
Product: Debt collection

I HAVE A COLLECTION ACCOUNT THAT IS APPEARING ON MY CREDIT REPORT THAT I'M NOT AWARE OF AND I THINK IT'S PART OF MY IDENTITY THEFT CASE. I WAS ADVISED TO FILE A COMPLIANT TO GET THIS ACCOUNT REMOVED FROM MY CREDIT REPORT.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, Most of my loans and credit card already paid full, however this information not changed for years. 
A company call me or send messages try solve my student loan debt what I never take. 
A company do request behind me for loan and after send me offers what I never requested!
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian credit bureau informed me that they utilize XXXX to acquire or confirm debt. I contacted XXXX to get verification of debt that was placed in my account and they sent me a letter of them deleting the unverified debt from my profile. I sent the letter to Experian to show that the services they utilized to originally put the unverified debt into my Experian account was deleted and to reinvestigate. They told me they went through XXXX and confirmed. Thats untrue because XXXX deleted the debt from my account. I asked Experian how they could verify information and with who. They stayed unknown third party verified. They are not verifying information in my credit report. And they wont tell me how exactly they are verifying that everything is true.
Product: Checking or savings account

Im filing a complaint against NFCU regarding multiple overdraft fees incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to the late posting of charges and credit. This issue aligns with the CFPD findings against Navy Federal for similar practices, where transactions were settled with insufficient balances despite initially having available fund. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to formally request the immediate deletion of inaccurate and unjustly reported information on my credit report related to my account with XXXX XXXX XXXX The details of the account are as follows : Creditor Name : XXXX XXXX Account Type : Revolving ( ChargeAccount for Jewelry and Camera ) Date Opened : XX/XX/XXXX I have reviewed my credit report and found several inaccuracies and discrepancies regarding this account that require your immediate attention. These inaccuracies include : Incorrect Status : The account is inaccurately listed as " Transferred '' and " Collection or Charge Off. '' This is not an accurate representation of the account 's status. 

XXXX XXXX : The reported payment status is incorrect. It shows " XXXX '' monthly payments, which is not reflective of my payment history. 

Date of Last Active : The reported date of last activity on the account is incorrect. It is listed as XX/XX/XXXX, which does not align with my actual account activity. 

I understand the importance of accurate credit reporting and am committed to maintaining a truthful credit history. However, these inaccuracies are adversely affecting my creditworthiness and financial opportunities. 

I request that you promptly investigate and verify the information reported by XXXX XXXX and XXXX the necessary steps to correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ). Specifically, I request that ; THIS ACCOUNT BE PERMANENTLY DELETED FROM MY CONSUMER REPORTS. 



I appreciate your prompt attention to this matter and look forward to the swift resolution of this dispute.
Product: Credit card

I have always made sure payments on this account were timely, never letting them be overdue. I don't understand the reasons for late payment remarks on my accounts. This billing error should be corrected in accordance with 15 USC 1666b.
Product: Debt collection

Paid XXXX directly XXXX XX/XX/XXXX XXXX. Receipt was mailed to me on XX/XX/XXXX XXXX XXXX 
Contacted XXXX thereafter due to the statement put on my credit report on XX/XX/XXXX XXXX XXXX and also filed a dispute with XXXX. XXXX results of dispute on XX/XX/XXXX XXXX XXXX shows the payment was not made to National Account system and I still owe. Filed another dispute with XXXX  and they kicked it back immediately saying I still owe it even after showing my receipts and email correspondence.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the late payments listed on my credit report associated with the closed account under the name " COLLEGE FOUNDATION INC. '' The account number in question is XXXX. I recently obtained a copy of my credit report, and I was dismayed to find that there are XXXX reported late payments ( 60 days past due and 90 days past due ) for the aforementioned account. 

I want to assert that I have always maintained a timely payment history, and I have never been late on any payments for the COLLEGE FOUNDATION INC. account. The inclusion of these late payments on my credit report is inaccurate and is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). Ive always been in the deferred program so this information is completely inaccurate. 

According to the FCRA, Section 611 ( a ) ( 1 ) ( A ), credit reporting agencies are obligated to ensure the accuracy of the information they report. I am requesting a thorough investigation into the reporting of these late payments and urge you to correct this misinformation promptly. 

I kindly request that you investigate this matter as soon as possible and provide me with the results of your investigation. If the late payments are found to be inaccurately reported, I ask that you promptly correct my credit report to reflect the accurate and positive payment history associated with this account. 

Thank you for your attention to this matter. I expect a timely resolution, as per the legal requirements outlined in the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax wont allow me to file a dispute online or answer any phone calls. Inaccurate reporting on account affecting home purchase. Contacted company that has account on report stated they contacted Equifax but Equifax didn't remove said account. Problem is with Equifax and their failure to keep up with proper reporting.. Account info. 

XXXX XXXX finance XXXX {$2500.00} Account closed and should be removed, was in Chapter XXXX bankruptcy that XXXX XX/XX/XXXX. 

XXXX XXXX bank inquiry removed-bankruptcy chapter XXXX XX/XX/XXXX Bankruptcy that was-dismissed wish those to be removed. Reference number XXXX Date file XX/XX/XXXX Equifax does not respond to written disputes, nor can you file electronically. Equifax phone number dosconnects when you choose any options.
Product: Credit reporting or other personal consumer reports

I sent a letter to XXXX XXXX and Experian back on XX/XX/2023 to remove the account with XXXX XXXX XXXX XXXX from my account if they could not provide validation of the account ( contract with my wet ink signature on it ). They never responded to me. There is a social security number showing on my credit file ending in XXXX that does not belong to me. It is obvious that you guys have me mixed up with someone else with a name similar to mines.
Product: Credit reporting or other personal consumer reports

I DO NOT consent to any automated scan response or e- XXXX verification methods. 

I reached out to all three credit bureaus XXXX, Experian, and XXXX to dispute incorrect and invalidated reports provided by XXXX XXXX XXXX XXXX. All 3 returned as validated but provide no evidence after a re-investigation. There is conflicting information shown on the 3 separate accounts This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. 

There are still the following months missing data : XXXX XXXX have no information and XXXX XX/XX/XXXX show " No Data. '' There is charge off then th4e account was brought current then charged off again for the same account. The account showed positive status after charge and then many incorrect negative statuses followed by more charge offs. This is impossible. This would be a violation of Tax law, Metric reporting requirements, and my federal rights.

One one reporting account there is an account ending in XXXX and an account with a different account number. Both are being reported as my account. This is impossible. 

Further, Experian, XXXX and XXXX continue to violate my rights by not providing specfic information requested to document a bona fide dispute process. Also, by engaging in stalling tactics by requesting identifaction information, even when the information was submitted with the complaint. These agenices have also sent multiple communications to the contact information provide in the past. If there was a legitimate process, this false inaccuracies would not continue to appear on my report. 

All Bureaus continue to report missing, incomplete and inaccurate data reported monthly. There are several months missing whole data and information. Experian reports incorrect payment history that reflects incorrect late payments. Experian, XXXX, and XXXX do not list payment history and records before XXXX. This does not constitute as a complete report. This constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. I requested your credit bureau to initiate an investigation and to validate this information more than 4 times. This information was not validated. This information has greatly impacted my ability to qualify for other opportunities and I have been denied opportunities because Experian, XXXX and XXXX refuse to remove incomplete, inaccurate information., I demand this innaccurate and incomplete report be removed from my credit profile immediately or federal litigation will be sought pursuant to FCRA violations.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, MN, XXXX XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Texas XXXX XXXX XXXX Amount XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX, XXXX NC XXXX XXXX I XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Amount XXXX Subject : Dispute of Negligent Non-Compliance - Case Number XXXX Dear Experian, Transunion, and Eqifax I hope this letter finds you well. I am writing in reference to the ongoing civil matter regarding case number XXXX. After a thorough review of the facts and circumstances surrounding this case, I am disputing the claim of negligent non-compliance and would like to formally raise my concerns. 

It has come to my attention that there are several aspects of the case in which there appears to be a failure to comply with the necessary regulations and responsibilities. Specifically, I would like to highlight the following points : 1.Failure to meet regulatory deadlines : On XXXX Equifax, Trans union , and Experian was required to submit documentation showing proof that my indentity was not stolen in accordance with purchases under my social security number. However, this deadline was missed without any prior notice or valid explanation. Despite repeated requests for updates on multiple cases, no action was taken to address or fulfill this requirement, demonstrating clear negligence in complying with the established procedures. 
On XX/XX/XXXX, I discovered that my personal information had been used without my consent, including numerous opened accounts from a furniture store i never went to, multiple phone stores and retails. Despite notifying all XXXX credit companies and providing all required documentation, there has been a lack of follow-up or action on their part. As a result, my identity continues to be misused, and I have not received any updates regarding the investigation or any steps taken to resolve this issue, demonstrating clear negligence in handling such a serious matter. 

I believe that these failures are a direct result of negligence, and I am requesting that this issue be thoroughly investigated. Given the seriousness of these actions and their potential impact, I respectfully ask that the responsible parties be held accountable for their non-compliance. 

Please let me know the next steps to move forward with addressing this dispute. I look forward to resolving this matter promptly. Should you need further documentation or clarification, I am available to provide whatever is required. 

Thank you for your attention to this matter. I trust that we can resolve this issue in a fair and timely manner. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

Company refuses to stop sending mail even after sending a do not mail request through the fair credit bureau. I called the company and asked to be removed from the mail list in XXXX. Since then I have gotten three more letters.
Product: Debt collection

Collection on my credit report from company name Credit Collecrion Services which is n't licensed to colle t in state of Florida. Therefore I am disputing the validity of this collection attempt.
Product: Credit reporting, credit repair services, or other personal consumer reports

Have been trying to unfreeze my credit report at Equifax for 3 days on XX/XX/22 and XX/XX/22, and every time I log in and try to unfreeze my credit, I get the following message : We are temporarily unable to complete this request. 
Please try again later. 

Equifax has apparently a terrible reputation for this site being down already. I would like to add my complaint to this large pile.
Product: Checking or savings account

Enerbank charged me for 18 months double my payment of {$79.00} on the XXXX of each month. I called about 3months ago about this problem and they did nothing. I want my money back and they refuse
Product: Credit reporting or other personal consumer reports

I have diligently followed all necessary procedures in disputing these accounts. I've contacted the bank, which assured me the issue was resolved. I've also reported the matter to law enforcement and provided a report and affidavit, which they confirmed as valid. Additionally, I've engaged with TransUnion, who complied with legal requirements and removed the accounts. However, TransUnion is presenting obstacles, claiming I haven't completed all the necessary steps. 
Despite the legal leniency towards banks and credit reporting agencies, I'm hesitant to pursue a lawsuit. I have repeatedly submitted my claim to TransUnion over the past six months, yet I remain stuck. Each time, I receive a dismissive response alleging that the documents I've provided are inadequate. I urge the Consumer Financial Protection Bureau ( CFPB ) to thoroughly investigate this case, as it appears TransUnion is failing to fulfill its legal obligation to process the identity theft report. 

I want to emphasize that I have reported the identity theft to a law enforcement agency, specifically XXXX, a federal entity. I seek a resolution to this matter that adheres to proper procedures. The distress caused by this identity theft, coupled with the inability to access my credit, is severely impacting both my personal and professional life. I am overwhelmed and feel like I'm losing control. Please handle this matter with urgency. 


XXXX 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: Student loan

I called about my first refund request on XX/XX/XXXX and have seen people who put in get theirs way after me. Reps have told me different things. I was told I was on the old system so the one guy I talked to said they changed it to a new system and would probably better to resubmit. But then told me I'd have to wait maybe another 60 to 75 days. I don't understand why I wasn't informed of that earlier. Either way I want the refund to come before XXXX or next year. I've already been waiting at least 50 days before I had to resubmit my request. I resubmitted the new request on XX/XX/XXXX. They said they recommended I resubmit with the new system. Either way this is ridiculous. I'm with great lakes servicer. My account ID is XXXX. The last payment I made was XX/XX/XXXX for XXXX and the reference number is XXXX. Please help me get this solved. I feel the us department of education should also be contacted about this issue which I've tried and got no response.