23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

The bank knowingly accepted this mutual party and check deposit into this joint or account fully aware that she could not legally withdraw the funds due to a prior private contract with the primary holder who had placed a block on all withdrawals from this joint account. The check included her name, however she was not aware that she had no permission to access the funds in this joint account due to the private prior agreement policy with the Bank and the primary account holder of this joint account. After her complaint, the bank did an internal only investigation, and did discovered that she is indeed the sole owner of the property insured due to an inheritance, and thus by law her husband, the policy holder, has no legal right to ownership of this property insured. Thus, due to the insurance companys negligence by not checking the legal status of the property, the claim was paid to both the sole owner and the policy holder, even after they were aware that the policy holder had indeed committed a fraud by claiming that he was the sole owner of the property, on the original insurance policy. The insurance company ignored my husbands claim to be the sole owner which was indeed a fraud committed on the original policy. However after they significantly altered the policy to include me, fortunately they did pay the claim. XXXX XXXX is now, seeking resolution for the banks part in covering up this case of known identity fraud and the theft of the insurance claim funds that were deposited on XX/XX/2021, into their joint account, ( via a mutual party and check ), in the amount of XXXX. 
She is requesting the bank refund the amount stolen and/or the amount of XXXX as due compensation for theft, and property damage, and the extra for harassment with her credit that she suffered due to their neglect of due diligence and proper protocols for security, which caused them to prematurely remove her from this joint account, using a fraud identity signature submitted by her husband.
Product: Mortgage

MY CFPB COMPLAINTS GET CLOSED AND THE CREDITOR NEVER FIXES THE PROBLEM. APPEARENTLY HAVING A LAWYER IS NOT ENOUGH WITH THIS COMPANY. I HAD MY LAWYER REQUESTED PROOF IN THE FORM OF A CANCELLED CHECK OR WIRE TRANSFER CONFIRMING THE AMOUNT THAT WAS PAID TO XXXX XXXX XXXXXXXX XXXX XXXX TO REFINANCE MY MORTGAGE AND PROOF OF PAYING XXXX XXXX XXXX XXXX XXXXXXXX TAXES ABOUT A YEAR AGO AND THE SERVICER HAS NOT PRODUCED ANYTHING. I GOING TO PAY OFF MY MORTGAGE BALANCE IN FULL AND NEED A PAYOFF STATEMENT AND SN SERVICING CORPORATION HAS HAD OVER A MONTH AND STILL HAS NOT PRODUCED THE PAYOFF STATEMENT. IT APPEARS THAT WHEN I BOUGHT THE HOUSE IN XXXX I WAS SOLD THE " XXXX XXXX '' I REFINANCED WITH XXXX XXXX ON XX/XX/XXXX AND THERE IS NO PROOF OF XXXX XXXXXXXX PAYING ANYONE. THE XXXX XXXX XXXX XXXX SHOW THAT THERE IS NO XXXX ON MY HOUSE LOCATED AT XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX HAS NO RECORD OF BEING PAID THE PROPERTY TAXES EVEN THOUGH I PAY THE CREDITOR THE MONTHLY MORTGAGE PAYMENTS WITH THE PROPERTY TAXES. IT APPEARS THAT THE DOCUMENT THAT THE CREDITOR IS CALLING A MORTGAGE IS A DEED OF TRUST OR SOMETHING SIMILAR. THE CREDITOR CLAIMS TO HAVE PAID OFF THE XXXX XXXX XXXXXXXX XXXX XXXX IN XXXX WHEN I REFINANCED WITH XXXX XXXXXXXX BOTH XXXX XXXXXXXX AND XXXX NOT XXXX XXXX XXXX XXXX BOTH HAVE NO BANKING RECORDS TO SHOW WHAT AND IF THE EXISTING MORTGAGE WAS REFINANCED AND HOW MUCH WAS PAID. THE CREDITOR FILED THE SATISFACTION OF MORTGAGE OVER XXXX  YEARS LATER ON XX/XX/XXXX AND STILL HAS NO BANKING RECORDS TO SHOW PAYMENT WAS ACCUTALLY MADE. IT ALSO APPEARS THAT THE CREDITOR IS CHARGING ME FOR THE PROPERTY TAXES AND NOT PAYING THE PROPERTY TAXES. THE DOCUMENT THAT CONTAINS THE NOTE AND THE MORTGAGE RECORDED IN BOOK XXXX PAGE XXXX DOES NOT APPEAR TO BE A MORTGAGE BUT A DEED OF TRUST. PLEASE TAKE A LOOK AT THE ATTACHMENTS AND SEE FOR YOUR SELF.
Product: Student loan

Nelnet has, for the past two months, effectively prevented me from signing up for the SAVE IBR plan. I submitted all of my material to Nelnet via XXXX on XX/XX/XXXX, before student loan payments resumed. I linked FSA to my XXXX W2 form, as the application required. I clearly qualified for the plan. 

Yet Nelnet, despite receiving my application, never processed it. 

For the next two months, I received intermittent emails from Nelnet stating that my application was " in process. '' Meanwhile, loan payments had resumed, and my interest was accruing at $ XXXX. Under the SAVE plan, it would not have accrued at all. 

Finally, on XX/XX/XXXX, I called Nelnet to check on the status of my application. After waiting on hold for about two hours, Nelnet 's customer service representative told me that my application was incomplete, as I had not submitted proof of income from XXXX. 

Not only was this falseI had submitted my W2 as required through FSAbut Nelnet NEVER INFORMED ME that it was missing documentation. I immediately submitted my proof of income directly through the Nelnet site, but now need to wait another 30 days or more for Nelnet to process my application. Meanwhile, my interest continues to accrue. 

Nelnet 's failure to communicate has thus far cost me more than {$1000.00}, and will likely cost me another {$1000.00} before my application is approved. Its hold times are unconscionable. Nelnet is an agent of the federal government, and it should not be allowed to prevent its clientswho often have no choice but to use its servicesfrom enrolling in federal programs as is their entitlement.
Product: Credit reporting or other personal consumer reports

I'm XXXX XXXX XXXX and I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other items that need to be UPDATED. The 3 credit bureaus must verify these items under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed items get corrected. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, credit repair services, 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. 
XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXXAccount # XXXX XXXX XXXX XXXX XXXXAccount XXXX XXXX Dept of educationXXXXAccount # XXXX 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, credit repair services, or other personal consumer reports

I have sent several letters to Equifax about two bankruptcies that are reporting on my credit file in error. The last letter that I sent was XX/XX/2021. I have already contacted XXXX and XXXX about these errors. XXXX also did an investigation and contacted XXXX  and removed these errors that was placed on my file. Equifax is stating that they verified the information from XXXX and XXXX states that is incorrect information because they have not verified any information with Equifax. I will attach supporting documentation to my complaint. I would like these errors to be removed from my credit file that Equifax have for me immediately because it has damaged my credit profile and caused me trauma due to the incorrect and inaccurate information reporting on my file. I appreciate your prompt attention in this matter thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the inaccuracy on reporting many times and the response from the creditor has been slow and inaccurate on every attempt the creditor did agree The account was reported incorrectly but still has not adjusted my credit file. Please request they fix their errors. This damage has wrecked my credit for years
Product: Bank account or service

I tried to open a bank account at ally bank, but I was denied since I do not have any social security number. On this link XXXX it is stated that I am not required to provide a SSN to open a bank account.
Product: Credit reporting

I refinanced my home, my old mortgage company, DiTech, marked my account status as.. Paid/Account delinquent 60 days past due date/Late 60 Days, on my credit report. I have never made a payment 60 days late. I called DiTech and they gave me a fax number to send my dispute to them. The lady also said she does not show that I was ever 60 days late. How do I get this off my credit report?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair Credit Reporting act Company account XXXX has violated my rights 15 USC 1681 section 602 A states I have a right to privacy 15 USC 1681 604 A Section 2, It also states a consumer reporting agency can not furnish a account without my written instruction 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, credit repair services, or other personal consumer reports

Account : XXXX Account # XXXX I've contact the creditor multiple times to resolve this issue. Was instructed to contact the credit bureau for help. I have sent multiple letters to the credit bureaus and each time I received a " we verified your account as accurate ''. This account is not reporting 100 % correctly and it's damaging my credit profile and causing me to be denied credit. The credit bureau has failed to completely verify this account for accuracy.
Product: Debt collection

I received a letter from The Collection Firm of Franklin Collection Services INC. The letter is an attempt to collect a debt from a creditor called XXXX XXXX XXXX XXXX. I have no idea of this {$880.00}, in debt that this company is trying to collect. I havent go into an emergency hospital since I was back in XXXX XXXX. I surely know that this debt is not mine or theyre trying to maliciously make money in a situation like the one were facing right now, COVID-19.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Credit reporting, credit repair services, or other personal consumer reports

The agency reports inaccurate or incomplete information to credit reporting agencies, which can negatively impact my credit score. I do not always have access to all of the information that is being reported on my credit report, making it difficult to identify and dispute errors or inaccuracies.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted Equifax about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Its been over 45 days and Equifax havent respond to my request as they are required to by the Federal Credit Reporting Act.
Product: Credit card

I sent several request to validate this information reporting on my credit file company have not sent requested documents
Product: Checking or savings account

I have been calling every other day and you have to wait on the phone for 4 and 5 hours or more before someone can talk to you about your account. 
As XX/XX/22 I received a statement in the mail with the amount of funds that they are still holding but when I go to check on my account on the phone it's still close. And I was told by someone in the main Headquarters that the investigation was not over. But " I should be receiving my funds and my account should be open for where I can receive my money. They know that, they was wrong on there end. Because I have warning and told them. And the money that they was holding was there for XXXX, that was before the fraud check. 
I want my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT XXXX  XXXX ACCOUNT # : XXXX!!! VIOLATIONS!!! 
In accordance with the Fair Credit Reporting Act 15 U.S.C. 1681 & Fair Debt Collection Practices Act 15 U.S.C. 1692 XXXX  XXXX ACCOUNT # : XXXX & EXPERIAN has Violated my Rights. 

Agencies can not utilize outdated information : EXPERIAN is Reporting outdated information. 

Agencies can not use incomplete, unverifiable, or false Information : EXPERIAN is Reporting false information EXPERIAN IS FURNISHING INCOMPLETE & INACCURATE INFORMATION ON CREDIT FILE ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT HOW DID YOU VERIFY ACCOUNT ITS REPORTING 100 % INCOMPLETE & INACCURATELY )!! ! REMOVE THIS ACCOUNT IMMEDIALELY!!! 

LAST DATE OF ACTIVITY : XX/XX/XXXX LAST VERIFIED : NO DATE REPORTED CLOSED DATE : NO DATE REPORTED REMOVE THIS ACCOUNT OFF OF CREDIT FILE DUE TO INACCURATE & INCOMPLETE FURNISHING!! ! REMOVE THIS ACCOUNT IMMEDIATELY!!! 


XXXX XXXX ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ACCOUNT # : XXXX VIOLATIONS : ( THERE IS NO WAY YOU VERIFIED THIS ACCOUNT ) ERROR XXXX. CLOSED DATE XXXX : XX/XX/XXXX EXPERIAN : NO CLOSED DATE REPORTING ( THIS IS A COLLECTIONS/CHARGEOFF ACCOUNT, ITS A CLOSED ACCOUNT BY DEFAULT ) HOW IS THIS ACCOUNT WITHOUT CLOSED DATE. 


ERROR XXXX. PAYMENT HISTORY XXXX : NO PAYMENT HISTORY IS REPORTING ( HOW DID YOU VERIFY, ITS NO HISTORY SHOWING ) EXPERIAN : CONTINIOUS CHARGE-OFF FURNISHING AFTER CLOSED DATE. EXPERIAN IS NOT FURNISHING A CLOSED DATE ON THIS CLOSED CHARGE-OFF ACCOUNT, WHICH IS MAKING IT KEEP REPORTING EVERY MONTH EVEN THO ITS A CLOSED ACCOUNT ERROR XXXX. DATE OF LAST ACTIVITY : ( THERE ARE XXXX DIFFERENT DATES OF LAST ACTIVITY, THERE IS NO WAY YOU VERIFIED ACCOUNT DATES OF LAST ACTIVITY IS NOT EVEN UPDATED ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR XXXX. LAST VERIFIED XXXX : XX/XX/XXXX EXPERIAN : NO DATE REPORTED FOR LAST VERIFIED ( HOW DID YOU VERIFY ACCOUNT THERE IS NO DATE ) ERROR XXXX. DATE OPENED : ( THERE ARE XXXX DIFFERENT DATES OPENED, THERE IS NO WAY YOU VERIFIED ACCOUNT ) XXXX : XX/XX/XXXX EXPERIAN : XX/XX/XXXX ERROR XXXX. PAST DUE AMOUNT : {$420.00} ( THIS IS A COLLECTION/CHARGEOFF THERE IS NO PAST DUE AMOUNT ) XXXX : {$420.00} EXPERIAN : {$420.00}
Product: Money transfer, virtual currency, or money service

I contacted western union today, these people are XXXX profiling people sending money to XXXX they mention something about activities what activities
Product: Credit card

Capital One cc. I was on a hardship program, and recently was to be placed on a specialty program. Orig : limit was {$200.00}. This was to be an interest free account. I am currently homeless, Capital One is dropping my score XXXX pts a month, and charging me {$40.00} late fees every month. I had been working on my credit, it had raised to XXXX. It is now {$570.00}, do to Capital One. This credit decrease, also, affects me obtaining an apartment.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account was reported late on XX/XX/XXXX for the month of XXXX along with the wrong balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Capital One, I had previously closed my Capital One Quicksilver credit card account during the XXXX of XXXX. In XXXX of XXXX, I discovered fraudulent charges on my closed account. Luckily, I was able to resolve this issue with your XXXX XXXX Department of your company and they took care of the charges. During XXXX of XXXX - XX/XX/XXXX, these recurring charges were outside of my boundaries and it took XXXX  months to get resolved. I was told that the XXXX XXXX Department would take care of the charges and that I should not worry since it was a closed account and under higher supervision. However, I discovered that the account became delinquent, reporting that I was XXXX days late for a payment. This is considered an inaccurate report to the credit bureaus because the credit card account should have been closed at the beginning of XX/XX/XXXX.
Product: Payday loan, title loan, or personal loan

On XX/XX/2021 I attempted to make a purchase on XXXX using the zip co previously known as quadpay option. The transaction failed due to XXXX attempting to charge a lesser amount some items where backorder, XXXX attempted to recharge the smaller amount later and the full transaction was declined by XXXX. The original amount of this transaction was XXXX dollars despite zip co insisting that it was XXXX dollars. This order from XXXX was never ever fulfilled nor shipped by XXXX. 

I received and furnished documentation from XXXX showing the order as cancelled to XXXX XXXX numerous times and they continue to have a payment plan created under my name for XXXX dollars this is fraudulent in the documents that I will furnish.
Product: Debt collection

LVNV funding violated a cease and desist order sending me a debt dunning letter after the cease and desist from file XXXX they are to closed and stop all collection on exempt funds at once they know I am exempt since 2014 but yet wants to keep harassing me for to pay you will never collect anything from me I am disable for life except from your debt collection stop buying bad bdebts in my name you will never collect I AM JUDGEMENT PROOF
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax exposed my personal information. It is their DUTY to protect my personal information. For the rest of my life, I will have to be concerned, anxious, troubled, perturbed, upset and distressed about my personal credit information being exposed!
Equifax is the company I am complaining about. Are credit bureaus regulated?
I work at a XXXX XXXX and we have 6 audits every year!!
Who is involved? The WHOLE COUNTRY.
What steps are the CFPB taking to control this situation and regulate the bureaus?
This is very unsettling.
Product: Credit reporting, credit repair services, 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. 

XXXX : # XXXX, XXXX XXXX XXXX # XXXX, XXXX  : # XXXX, XXXX  XXXX  : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX # 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 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: Mortgage

My mortgage servicer is Fay Servicing. I was recently made aware that my mortgage payment was behind 1 month. I did not know how or why the mortgage was 1 month behind because I have been signed up for electronic biweekly payments since Fay took over my mortgage from XXXX a few years. In the beginning of XX/XX/XXXX I received a letter from Fay stating that my electronic biweekly payments were being canceled. The notice did not state a specific reason as to why they were canceling the payments. I called the mortgage company and could not be provided with a reason for the cancellation and was told that it would be investigated. To date I have not received a letter or any other communication with the reason for cancellation. Also, because of the mysterious missed mortgage payment, I submitted an application for loss mitigation. On XX/XX/XXXX I received a letter stating that my application was received and in that letter it stated that they could not send the first notice of foreclosure since they received the loss mitigation application. On XX/XX/XXXX I received an ACT 91 notice and a letter from the mortgage company about the missed payments yet their letter of XX/XX/XXXX clearly states that they could not send the first notice for foreclosure. Also one of the main reasons why I signed up for electronic payments is because I do not own or write personal checks. Because the electronic payments were canceled by Fay, the payments are 2 months behind. Also my preferred method of communication that was selected in my profile on Fays website is email yet I never receive any email communications except for statements. This company is by far the worst company Ive ever had to deal with. I would suggest to anyone looking for a home loan to avoid Fay Servicing at all costs. The experience has been nothing short of a nightmare.
Product: Credit reporting

Transunion is reporting XXXX XXXX XXXX XXXX on my report. This account was written off by the hospital because I took sick at work and did n't have any health insurance XXXX. I explaioned to the hospital and they found a charity that helped me with the untimely expense. I explained this to Transunion and they refduse to remove this item.