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

I have been trying to obtain my credit reports online but I am receiving very confusing and wrong instructions as to the reasons why the credit reporting agencies can not comply. 

At one point during the online identification process I was asked several questions with multiple choices answers related to past addresses and entities I had done business with. While answering those questions I noticed that none of the answers regarding entities I had done business with relate to me. I had to choose a response saying " none of the above ''. 

Most of the multiple choices answers were about accounts opened over the past 10 years. I did not open any accounts whatsoever in the past XXXX years. 

I believed there was some kind of mistake so I tried again with a new browser session, but on my second attempt did not even have the option to answer the multiple choice questions. The XXXX website immediately instructed me to mail the form to request my credit reports. 

I need those Credit Reporting agencies to treat me with the same level of professionalism, not making it any more difficult for me to obtain my credit reports online, in the same manner they would to most people in my situation.
Product: Debt collection

this account is not mine Balance {$1100.00} Balance updated XX/XX/XXXXXXXX  Original balance {$1100.00} Account info Account number XXXX Date opened XX/XX/XXXXXXXX  Account type Collection Status Collection account. {$1100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX XXXX XXXX
Product: Mortgage

I bought my home in XXXX. I had a hardship and had to modify my loan in XXXX. XX/XX/XXXX i refinanced. XX/XX/XXXX HUD sent a letter saying i owe them {$30000.00}. 


I contacted Freedom Mortgage and they said the title company XXXX title XXXX ) was at fault. So i contacted the title company and they pointed the finger at the mortgage company. Ultimately the mortgage companys insurance rep contacted me and stated Im at fault and i need to pay. 


I had no idea until HUD contacted me that there was an issue. Im thinking with underwriting and the entire process someone shouldve caught this.
Product: Credit card or prepaid card

I paid {$30.00} ( ACH payment ) to Citi  Double Cash  on  XX/XX/2017    over the phone using my checking account number and routing number and I received a confirmation number  XXXX . On  XX/XX/2017    I checked my account and no amount had been paid to Citi Bank. When I called  Citi  Bank they told it takes at least  one to three  business days to process! So I waited until  XX/XX/2017    and still nothing had been posted. I called  Citi  Bank and they told me they are still processing it. This morning of  XX/XX/2017    I received an email from  Citi  Bank that my ACH payment was declined by my Bank. I called Citi Bank but the lady I talked too was so rude and told me she can not even listen to me because I do n't understand english let alone banking procedures and hanged up. I called my bank to find out if they declined to pay  Citi  Bank. The lady told she does not see any record of it that Citi Bank presented an ACH. She advised me to call them again. I called them again and I asked them why my payments has not been accepted and why they are charging me {$25.00}. This time I asked to talk to a superviser but when connected the superviser hanged up on me. I called again and this I asked the lady to have a conference call with my bank so she can tell them that they declined the payment. Once connected my bank verified all the information which they had was correct but told them Citi Bank never presented anything to them and that the ACH would have gone through if they did. At this point the lady contacted her supevisor but the Citi Bank supervisor did not want to talk to us! She tried three times because I wanted to make sure I set the record straight. When she came on the Iine I knew she was the one who hanged up on me. I confronted her that she hanged on me. She however told my bank that the rounting and account number is not going through and that they have a problem with ACH payments. With that she said they can not even waive {$25.00} fee they had accessed on my credit account. We kept on arguing about this for a while until she said they will accept a debit card payment but they will not give a credit of the accessed fee. The debit credit went through but I am still payment Citi Bank {$25.00} in fees. I just do n't understand why. I need  Citi  Bank not charge me for their fault system which was not able to process the ACH payment.
Product: Credit reporting

the information that appear on my credit report was identity theft not belong to me. According to the law it should be remove completely your investigation is not complete.
Product: Checking or savings account

I opened a business account with Navy Federal on XX/XX/2024. I received a large refund check from the Treasury Department and asked the person on the phone who opened my business account would there be a problem depositing the check. he said no and to come into the XXXX XXXX branch to deposit the check, in which I did. The check was verified by the teller and another bank employee. I was also on the phone with another Navy Federal staff because there was a flag on the account. The flag was taken off and the check was deposited in the account. I was told that I had to wait 5 days for the check to clear but I would have access to {$5500.00} the following business day which was XX/XX/XXXX. I had also opened a personal account on the XXXX of XXXX. On XX/XX/XXXX or XXXX I couldn't access my business checking account so I called member services and was told that the branch was still processing the check. I called again on XX/XX/XXXX and was told by a different member representative that there was suspicious activity on the account and that I had to call their Business Membership Risk Department, in which I did. I asked why I couldn't get access to my account and the man stated that the IRS had cancelled the check I deposited and that I could never do business with Navy Federal again. I asked did the IRS say why the checked was cancelled and he told me I had to call the IRS in which I did. I was told by an IRS representative that the check was paid. I called XXXX XXXX again on XX/XX/2024 and spoke with a woman named XXXX and she said my account was being closed because of suspicious activity and that a audit was being done on my account. I didn't understand what suspicious activity she was talking about because the account was new. She then told me that the funds that were left in the account would be sent to me in XXXX to XXXX business days. Which I asked her how much was in the account and she told me. It was over {$700.00} XXXX XXXX dollars. So my question is, Why tell me that the IRS cancelled the check when there were funds in the account?
Product: Student loan

The customer service is horrible, i have been dealing with navient for years and I can not afford the monthly payments as i am still living in government dorms so my check is not as much i have ask if there was any way i could pay less money and they told me no that i would have to pay the XXXX a month i have tried to get my loans deferred as i am in school and they told me i could only get a 60dy hold and if I'm not more than half time i will still have to pay i am a young XXXXyear old and they are messing up my credit for a degree i didn't even receive navient is very unhelpful and unreliable i would not recommend them to anyone they are not helpful and and if i pay the XXXX a month for 10 years that's over 20,000 when my loans where only supposed to be XXXX and with the mlitiary service member relief act i should be caped at 6 %. If you could help me in any way it would be greatly appreciated.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian NOTICE OF VIOLATION FCRA 623 FDCPA 806 { b } which states that the creditor must enter a notice of dispute, if this is not entered the account can not report on the credit report XXXX you are in violation NO NOTICE OF DISPUTE AND you claimed you did an investigation which you claimed validated with out posting in dispute for past 6 months REMOVE THIS ACCOUNT AT ONCE you are the only reporting companies that has not removed accountYou have all evidence from XXXX  and my self sent through the CFPB occ XXXX and XXXX that clearly shows that the account was fraud inXX/XX/2014 and not made by myself nor did I have anything to do with it
Product: Mortgage

I am currently in an active Chapter XXXX Bankruptcy and current both the plan payments and my mortgage. My homeowner insurance premium changed drastically ( for the better ) last year and my monthly escrow payment never changed. I never received my 2016 escrow analysis and have requested this several times ( as has my legal counsel ) from my servicer ( Nationstar Mortgage, LLC ) by phone. I am mailing them a letter to request this again and copying my bankruptcy attorney. What can I do? I know my escrow payment is much higher than it should be but I can not get the servicer to respond.
Product: Student loan

On XXXX XXXX, my agency sent Navient a check in the amount of {$8000.00}. When I checked my Navient account the payment due was XXXX. However, every month the balance was increasing and not decreasing. I reached out to a customer service person and she advised me not to make any payments because Navient was taking out the monthly payment from the payment that my agency sent them. I was even making additional payments in the amount of {$130.00} bi-weekly. I was told if I make the payment, then Navient wouldn't pay the monthly payment. The lump sum amount will sit there. I still wasn't understanding the just of what was going on. I called again and spoke with another customer agent, she told me to continue to make payments on the remaining balance to pay the balance off quicker. And now, the interest has increased from 10 % to 11 % after I paid them {$500.00}. This private loan is over 15 years old. I need your HELP!! I believe Navient is trying to prolong this loan for their benefit. 

Thank you!
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Date of Birth : XX/XX/XXXX Todays Date : XX/XX/XXXX RE : Investigation Request to Delete Incorrectly reported late payments and correct account balances immediately To whom it may concern, In accordance with the Fair Credit Reporting Act Section XXXX ( XXXXXXXX XXXX XXXX ), I am practicing my right to challenge questionable information that I have found on my personal credit report. I do not recognize the information listed below and request that you investigate the source of these accounts and ascertain that the creditor had a permissible purpose, and is able to verify my complete file information including full name, address, date of birth and SSN #. 

INCORRECT ACCOUNT INFORMATION The accounts below are reporting incorrectly please investigate these : XXXX. XXXX XXXX { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX XXXX XXXX XXXX XXXX { ac # } XXXX { Reason for Dispute } : Incorrectly reporting late payment for ( XX/XX/XXXX ) as well as the balance for this card is {$180.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX  XXXX XXXX  { XXXX # } ending in XXXX { Reason for Dispute } Incorrectly reporting late payment for ( XX/XX/XXXX, XX/XX/XXXX ) as well as the balance for this card is {$0.00}. -please remove late payments and correct balance immediately XXXX. XXXX XXXX XXXX XXXX { XXXX # } XXXX { Reason for Dispute } Incorrectly reporting late balance. balance for this card for this card is {$0.00}. -please correct balance immediately I am allowing you 30 days to complete this investigation after which I authorize you to mail me my updated credit reports along with the investigation results Truly, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. There are multiple fraudulent accounts on my credit profile from various companies like XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX. I demand that all negative/adverse fraudulent accounts are immediately and permanently deleted.
Product: Credit reporting or other personal consumer reports

The company didn't properly investigate my disputes. Disputes were rushed and closed. No effort at all. They didn't investigate the companies who claimed the information on me. Nothing was taken serious. The information on credit limit was were. Things were still on my credit that was solved by card company. Also, I never received anything in writing and the staff member that I spoke with was VERY rude.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account is reporting as late but the account is paid off with a {$0.00} balance. The creditor says they can not update information and the bureaus have not sent information on how this account was verified
Product: Credit reporting or other personal consumer reports

XXXX. I have had such a hard time figuring anything out with no help from XXXX  whats so ever. I have called them so many times to either get ran in a circle or just point blank hung up on before even getting a chance to talk. a few weeks ago I noticed my school loan amount jumped from XXXX to around XXXX as I was looking into it to see what changed because I personally did not do anything to make the loan amount significantly increase. I saw that my original XXXX loans duplicated to XXXX more loans totally XXXX loans and each XXXX pairs are the same. I called provider XXXX  because I had never seen them before and they said my loans were now through them and to call the other provider to make sure ( nelnet ) which I did and they said my account with them is closed and transferred. so I filed a dispute with XXXX  to have them take off that account because it is obviously no longer needed and nothing has changed. I should not owe XXXXXXXX XXXX I should only owe XXXX no one will help take off the duplicate loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXXXXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX  PLEASE HELP ME PLEASE im XXXX now.with no help.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had names that were not mine, addresses that are not deliverable to me by XXXX Mail and phone numbers listed on my credit report that I previously disputed. XX/XX/2022 I also noticed a new inquiry on my XXXX, XXXX, Experian credit report for a RV company XXXX XXXX. I have no place, no need or room for a RV!!!! I tried to call the number listed and it does not work. Hoping they had cameras. I recently purchased XXXX lock feature to ensure this stops. I have fraud alerts and locked all my credit reports to prevent whomever from doing this again.
Product: Vehicle loan or lease

I am writing to express my concern regarding the lack of financial hardship options available for my auto loan. I have been experiencing financial difficulties since the tragic loss of my spouse in a car accident over a year ago. As a result, I have fallen XXXX payments behind and have been struggling to catch up for over a year. 

On XX/XX/XXXX, I contacted the Ally Auto customer service line seeking a resolution. I was advised to make XXXX payment and call back once it cleared, with the assurance that the remaining payment would be added to the end of my loan. However, upon making the payment, I was informed that there are no options available to assist me in bringing the loan current. 

I am confident that I can maintain timely payments in the future with the provision of financial assistance. I believe that the absence of any options to help me bring the loan current, coupled with the accruing monthly late fees, is unreasonable and financially irresponsible, especially considering my circumstances.
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  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : 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 seven 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: Credit reporting or other personal consumer reports

This account was charged off on the following date XX/XX/year> Since then the account has repeatedly been updated as charged off every month. 
This is an update in the payment history. A charged off account should NOT include an active navment histor XXXX inaccurate intormation talsely maninulates the statute of limitations. You failed to investigate this account properly and your neglect has violated my nights. I am demanding a deletion of the following account : XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I was scammed by someone calling me using my bank phone number, impersonating himself to be my bank agent. They had me locked out of my bank account and told me to send them 4k. They had my identity, credit card numbers and access to my bank account. They told me I was part of a money laundering sceam. They had me cashapp them 4k through my checking account and when I realized I was being scammed it was too late. Cashapp wouldn't reimburse the money and my bank won't reimburse me for the money they sole from my credit card account.
Product: Debt collection

I requested validation of debt as this is NOT my debt. Company rep was kind and tried to help me but could not validate my debt. I received this email : From : GreenSky XXXX Date : XX/XX/year> at XXXX XXXX To : XXXX Subject : Your GreenSky Retail Account Thank you for applying for an account with the GreenSky Retail Program . 

Your loan agreement, which includes the terms and conditions, disclosures, and all rates associated with your account, is available for download by clicking here. 

In order to obtain your agreement, you will be asked to enter your : Application ID : XXXX Last 4 digits of your Social Security Number. 
If you have any questions, please do not hesitate to contact us at XXXX. 

Thank you, GreenSky Retail Services WHen I input as directed it takes me to a blank page.
Product: Credit reporting or other personal consumer reports

It has been drawn out that Credit Bureaus are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud. Here are the ACCCOUNTS that need to be removed from my file : XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX  XXXX Balance : {$1200.00}
Product: Checking or savings account

On XX/XX/XXXX, several of my friends transferred money to me through the Bank of America account, each amount was about XXXX dollars, which was a normal transaction between us. On XX/XX/XXXX, some transactions were automatically withdrawn. Neither my friend nor I performed any operations on these transactions. This was the banks active withdrawal. On XX/XX/XXXX, my XXXX XXXX account was held on and then canceled. The transaction that was automatically returned should have been returned to my friend 's account, but my friend did not receive the money that should have been received. The total withdrawn transactions involved a total of {$950.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

Received " your card won't be reissued '' letter dated XX/XX/XXXX from XXXX " due to a bankruptcy or a charge-off '' Phoned XXXX, they say they can not say reason, and to check Experian. 

Credit reports from Experian and XXXX show no problems, but ask about an " auto loan '' dated XX/XX/2016 as part of verification. We never took out such a loan.