23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

My mortgage was refinanced with the money source NMLS # XXXX in XXXX. I received a billing statement from them on XX/XX/XXXX. I made a payment of {$2200.00} to the money source on XX/XX/XXXX even though no amount was currently due. This is when the problem occurred. The Money Source did not apply the payment and didn't notify me. They did not refund me the payment either. At the end of XXXX, they notified they were selling my account tXXXX XXXX XXXX ( XXXX : # XXXX ). I called them asking why this notice didn't reflect the payment I made and they said it would post with the transfer to XXXX XXXX. That didn't take place. I then called them again on XX/XX/XXXX and XX/XX/XXXX and emailed them on XX/XX/XXXX. No method produced results. I called them on XX/XX/XXXX and they said they sent the payment to XXXX XXXX by wire on XX/XX/XXXX but XXXX XXXX said they didn't receive anything. At this point, I made a payment on XX/XX/XXXX and was not made aware that they wouldn't post the payment and they didn't refund it. Each day they hold my money, I pay approximately {$30.00} in interest on my mortgage.. Since I wasn't told about this and no communication was made to me and the funds were reversed, I feel like I'm entitled to my full payment and the interest I accrued on my loan while they held my money for free that I intended to pay a loan with. My XXXX statement ( that i had to pay again ) reflects {$970.00} in interest per month. That's {$32.00} in interest per day they're costing me and we're at least 20 days in since last payment ( {$640.00} as of today ). 

I just want my money and the interest they cost me by holding the payment. This could have been avoided if they told me or gave me options to refund it or hold it, but deceitfully they held it without telling me when they should have applied it to the loan. 




reference : XXXX XXXX wired on XX/XX/XXXX. {$2200.00}.
Product: Credit reporting or other personal consumer reports

I am writing to express my deep disappointment and frustration with the ongoing dispute regarding certain negative accounts that are inaccurately listed on my credit report. Despite my repeated efforts and communication with you, these erroneous entries continue to affect my credit score adversely.
Product: Credit reporting or other personal consumer reports

I am writing to formally file a complaint against Experian and Equifax for their repeated failure to properly investigate my disputes over the past several years. Despite submitting disputes regarding fraudulent accounts, identity theft, and inaccurate reporting, both credit bureaus have consistently denied my claims without conducting a thorough review. 

Under the Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. XXXXi ( a ) ], credit reporting agencies are required to conduct a reasonable investigation of disputed information. However, Experian and Equifax have failed to meet this obligation by not properly verifying the disputed accounts or comparing them to the documents I have provided. Additionally, per FCRA 15 U.S.C. XXXX, data furnishers must ensure the accuracy and integrity of the information they report. I am requesting that these agencies provide documentation detailing how these accounts have been verified and linked directly to me. 

Their continued failure to conduct a fair and thorough investigation has caused significant harm to my credit profile. I respectfully request the CFPB 's intervention to ensure that Experian and Equifax comply with their legal obligations and properly investigate my disputes. Please let me know if any further documentation is needed.
Product: Student loan

For almost a year, I have been filling our paperwork sending in information on getting an IBR payment plan. For the last 6 months, I either did not receive any notice of denial or when my denial came it was little things that they did not find in the previous applications. For instance, they denied my one application because my husband did not sign it ... but he actually did. However, they did not contact me until after the 30 day time frame so I had to resubmit. Then they denied it again because I checked an extra box, but they did not tell me that was the issue the first 3 times I submitted. After resubmitting the last time a month ago, I have not heard anything from them except to demand the loan in full. I have sent all my paperwork in over and over again and still they refuse to work with me and each person tells me something different. Even with a third party on the line trying to help ( XXXX XXXX XXXX ). At one point I asked them to verify the date they mailed off the letter I am defaulting on loans that I want to pay, just at a lower rate. Unfortunately, they made the process so tedious and difficult that it has made dealing with loan harder than it should be. Even after the letter demanding the full amount of the loan I get an email saying my forbearance is excepted. I honestly do not know what to do any more.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX I have ask them to remove an account that is showing past due and it is not. The credit card has been paid in full and I have told them. That on my credit is causing my credit score to go down. And I have never been late on my payments.. XXXXXX/XX/XXXX is the name of the card that has been paid in full and now showing late.. XXXX XXXX.Both account are closed as well.
Product: Money transfer, virtual currency, or money service

I purchased a concert ticket from a third-party reseller. I sent the money for the ticket through CashApp and I was supposed to receive a transfer for the ticket. I did not. CashApp is not allowing me to dispute the charge. I was told since it was person to person and I willingly sent the money. I was told they can not contact the person. I reported the account and transaction as a fraud/scam and they did not do anything about it. On any other site, I would be to submit the proof that I did not receive the ticket and I was scammed, and the charge would be disputed or at least be put under investigation. My case was dismissed and they told me there's nothing they can do. I was told to be more careful, and I am. All the time. This isn't my first time buying or selling a ticket through social media or CashApp. All I was told to do was ask for a refund from the person who scammed me, which makes no sense. Please, I just want to report CashApp and get my money back.
Product: Virtual currency

Money was going to be transferred from XXXX to bank account. Said completed but no money found in bank.
Product: Vehicle loan or lease

Basically I have a 30 day lateness on my Credit Score from XX/XX/XXXX 
This 30 days lateness happened at the height of the Corona Virus pandemic. At the time I was XXXX XXXX believing that I had the XXXX. Which due to my illness prohibited me from working. Later I found out that I had all the symptoms of the XXXX XXXX. I called and spoke to a representative in regards to my 30 Late payment. In hope of having my Creditor removing the 30 days late payment. 
After speaking to a supervisor from my Credit Union, I was informed that they WEREN'T able to help me. Unfortunately the 30 days lateness due to my illness of the XXXX XXXX   has put me in a huge jam. Especially since I had plans on purchasing a house at the end of the year. The 30 days lateness on my credit report has damaged my chances of buying a house at the end of the year. Since my 30 days late reporting, my score dropped at least 200 points. So please I would appreciate your help in assisting me with removing the 30 days lateness from my Credit Union. 

Thanks
Product: Checking or savings account

My car was broken into and my wallet and my tablet was stolen. There was multiple unauthorized charges made with my chime debit card and after uploading a copy of the police report verifying my claim, chime denied it and said it was made using chat got and that is false.
Product: Credit reporting or other personal consumer reports

XXXX : Has sent a letter with the name listed as " XXXX XXXX '' this was after I called and spoke with " XXXX '' ( my be mispelled ). I called and he asked me to verify I filed bankruptcy, I told him no. I asked to speak with a supervisor he said no, over and over. I called and was immediately hung up on. Then sent a letter with report stated as of XX/XX/2024 with the name incorrect and score of a XXXX. I have a printed report on the exact same day of XX/XX/2024 that is dated with name " XXXX XXXX '', score is XXXX. I mailed certifed mail with tracking number XXXX and accepted on XX/XX/2024 per USPS I requested for validations of collections and credit score in writing asking for method of verifications, advised of USC codes of violations, harrassments, the harm caused by false informations. 







I sent a letter to TransUnion that was certified by tracking number XXXX it was sent to XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX Address to XXXX XXXX per our phone call we had because I called in and she told me she would handle everything just send her a letter to that address and not to XXXX GA address. I have not heard anything back since XX/XX/2024. Then on XX/XX/2024 a XXXX number called me and I asked who she was and told XXXX XXXX no last name, did not tell me what company, why was calling. Just started yelling, baggering, and said she want the money. I asked her where she got my number she said from a " skip trading base system ''. She stayed on the phone with me for XXXX. She told me to call her back at that number and she will keep account on my report till its paid. She did tell me someone from transunion gave her my number also.
Product: Credit reporting or other personal consumer reports

I appreciate your time to remove some of the items in my file that resulted from alleged identity theft but I have some items left that need to be removed. Per FCRA section 605 you are required to remove any items listed on an ID THEFT REPORT. Ive already included this report in a previous letter & I am including it again. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. 


XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX WI XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX, WI XXXX ; XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$640.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX  XXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; DEPTEDXXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Debt collection

Below is a copy of the complaint I've submited to the NJ XXXX  and NJ Dept. of Consumer Affairs. I've submitted the same by email to XXXX XXXX and to XXXX XXXX. XXXX XXXX refuses to acknowledge said cancellation of contracts and told me to handle it at the gym level. I've asked them to remove all billing information they have on file. I do not owe any monies to XXXX XXXX, XXXX XXXX, or otherwise, in this matter. 

I've attached the emails which exist to date between myself and XXXX XXXX. 


XXXX I recently tried to cancel gym memberships for ( XXXX ) people ( myself, my wife, and our XXXX children ). The owner- XXXX- refused to do so, citing that the memberships were " Term '' contracts. When we signed up, no documents were provided to us and we were told all memberships were month-to-month in nature and could be cancelled at any time, subject to 1 extra month of billing thereafter. Now, the story is different. I met with the owner in person on XX/XX/year> in an attempt to obtain physical contracts and in another attempt to cancel. He began belligerent, verbally abusive, began screaming and yelling at me in the middle of the gym, AND THEN invited me to the parking lot to " ... settle everything another way. '' The gym has surveillance so this was captured, around XXXX or so. I was able to obtain one of the contracts which in fact had a forged signature which was not my own.

I've contacted the billing company for XXXX XXXX - XXXX XXXX - however they provided XXXX help. I removed my payment method that they had on file, however they told me they'd simply send my accounts to collections. 

I was duped by XXXX, hourly employees in to long-term gym contracts ; I was lied to about the terms and conditions ; I did not receive copies and therefore had no ability to cancel within NJ 's 3 day right of rescission. 

The owner - XXXX - told me I was no longer welcome at the gym after yesterday 's altercation. He threatened that if I showed up again, he'd call the police and have me arrested for trespassing. However, he also refuses to cancel my contracts.
Product: Debt collection

On XX/XX/XXXX, CBE Group XXXX contacted me threatening that they would turn me over to the IRS if I didn't pay a debt owed to IRS. I do not owe any money to the IRS. I am currently am an XXXX XXXX XXXX XXXX XXXX so I know this a scam that could hurt people that are unaware that the IRS does not contact people by phone regarding outstanding tax debt.
Product: Checking or savings account

I intiated two XXXX transfers by linking my accounts together done on XXXX XXXX from one account to another both of them mine two separate accounts. Every since I have not been able to access my account. It has been restricted. The funds are from my retroactive unemployment. I have wrote multiple emails to them. They requested I send them where the money originated from w/ my name and last 4 digits of account #. I did still nothing. When I call the bank a recording automatically comes on and says my account is under review and I cant access live chat from the app.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been disputing 2 medical collections showing up on my credit report, i had success getting collections removed by XXXX no problems, but experian and XXXX are not helping me at all. This is affecting me from getting a good rate with my bank. my friend suggested this website before we try to sue experian and XXXX in federal court. 

im requesting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please delete of my credit reports. or i will sue in federal court.
Product: Checking or savings account

I enrolled in Ally Bank Payback Time Promotion on XX/XX/XXXX. Opened a new CD account on XX/XX/XXXX then funded it will {$40000.00} new money on XX/XX/XXXX. Per Ally Bank promotion term, 1 % cash bonus will be deposited by XX/XX/XXXX. I contacted Ally Bank phone customer service representitive on XX/XX/XXXX and XX/XX/XXXX and received verbal confirmation of {$400.00} cash bonus each time. I also had an online chat with Ally Bank XXXX and received written confirmation stating that {$400.00} bonus will be paid on XX/XX/XXXX. However, seeing no deposit in my account on XX/XX/XXXX, I initiated another online chat but the Ally XXXX was in total denial of the bonus payment. All records are attached here.
Product: Mortgage

I Contacted LoanCare after receiving from XXXX XXXX, MD tax specialist XXXX XXXX XXXX a notification stating my loan company did NOT pay my taxes from XXXX XXXX XXXX XXXX. 
Once I contacted LoanCare they declared they put my plot number in wrong and made several payments to the County not under my plot and paid out taxes not for my property. 
I had to fight to get that money back which in turn flipped my escrow negative and raised my monthly payment {$1000.00} diff from what it was prior to this. 
I contacted LoanCare again asking them to reassess my taxes and monthly payment. I provided from the County tax office stating my taxes are {$7300.00} for the year. LoanCare has {$9900.00} is the amount and I called the County again they said that amount LoanCare is showing is wrong and they also sent LoanCare my tax assessment. I am XXXX  and live on an set Housing Allowance budget so raising my monthly payment over $ XXXX a month is crazy and the fact they are ignoring my requests to reassess the taxes and adjust my escrow since THEY MADE ALL THE MISTAKES .... I need help to get this adjusted and ensure my escrow isn't being manipulated against me.
Product: Credit reporting or other personal consumer reports

All incorrect items and discrepancies listed in letter attached.
Product: Credit card or prepaid card

When I opened my XXXX  XXXX credit card back in 2016, Bank of America set up my account in such a way that I did not have administrative access to all of my authorized users. Whenever I would make a payment to the corporate account, the payment would appear as a credit on my personal card, and would not apply to my authorized user 's outstanding balance. This caused my authorized account to accrue late fees and interest. When I asked customer service how to resolve the problem, they told me that I had to make separate payments to the authorized user 's card and did not advise me on how to create an online profile that allowed me to access and pay each card 's bill. This frustrating experience led me to curtail usage of my BoA business card. 

In this year, my online access was locked unexpectedly in XXXX. I called the customer support number provided on the website but was never able to get through to an agent. Since my account had a {$0.00} balance, I decided not to pursue the problem any further. However, when my annual fee was charged, I was unable to log in to pay the bill or cancel the card. Although the annual fee was the only charge on the card, my account was marked as delinquent for nonpayment. I called and paid the annual fee and requested that the account be credited for the fees, due to the IT issues and the fact that the only outstanding balance was the annual fee itself. Now one week later, I received a call that my personal and business accounts are being closed because of a late annual fee payment. 

Based on my poor experience with Bank of America 's business products and IT,  my personal account is being affected. I am requesting that the business and personal accounts be marked as customer-closed due to Bank of America 's poor treatment of a customer who otherwise has a 800+ credit score and no derogatory marks on my account. I personally regret not closing the accounts myself since I moved all of my business spending to a friendlier bank and am suffering at the hands of a dormant account.
Product: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Formal Request for Re-investigation and Removal of Incorrect Bankruptcy Listing on Credit Report I am writing to follow up on my previous complaint regarding the inaccurate reporting of a bankruptcy on my credit report by [ EQUIFAX ). Despite being verified, the bankruptcy entry remains a clear and direct violation of the Fair Credit Reporting Act ( FCRA ). I urge a thorough re-investigation and immediate removal of this incorrect entry. 
US BANKRUPTCY COURT Account Number : XXXX XXXX. Persistent Inaccuracy Despite Verification : The bankruptcy entry on my credit report is inaccurate. Despite my previous complaint and the so-called verification process, this error persists. This not only causes substantial harm to my financial status but also undermines my rights under the FCRA. 

2. Re-Evaluation of Privacy Rights Under FCRA : Under 15 U.S. Code 1681 ( 4 ), I am entitled to privacy and accuracy in my credit reporting. Re-reporting and verifying flawed information without thorough investigation contravene this statutory protection.

3. Questionable Permissible Purpose : According to 15 U.S. Code 1681b ( a ) ( 2 ), consumer reporting agencies must have a verifiable permissible purpose to disclose my credit information. The maintenance and dissemination of inaccurate bankruptcy information do not meet this requirement and imply a serious oversight in due diligence.

4. Inadequate Re-investigation Process : The current verification does not align with the requirements of 15 U.S. Code S 1681 ( a ), which mandates a comprehensive and meaningful re-investigation of disputed information. The inadequate and superficial verification process has perpetuated this critical error on my credit report.

The persistence of this erroneous bankruptcy entry on my credit report despite prior verification is unacceptable and a clear violation of FCRA. I trust that the CFPB will prioritize this follow-up complaint, enforce compliance with FCRA regulations , and guarantee a swift and fair resolution. 

Thank you for your immediate attention to this matter. I look forward to your prompt response and resolution. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

Company answered my previous complaint with a contact person, phone number and extension number however the contact person is out of office until XX/XX/XXXX and another contact persons name and extension number is given except that contact person doesn't return phone calls. I've made six phone calls in three days to this other contact person but to no avail. The inability for me to speak to this other contact person is just as bad as if the Company did not my answer my previous complaint at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

X/X/17- Equifax was hacked, I went to equifaxsecurity2017.com and recieved the following message " Based on the information provided, we believe that your personal information may have been impacted by this incident. '' I have put a 90 day fraud alert on my credit file with all three bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian concerning the Bankruptcy that is inaccurate and reporting on my Experian Credit Report under XXXX XXXX. I requested that it be removed from my account, after l contacted the XXXX XXXX XXXX Wisconsin United States Bankruptcy XXXX, who informed me that they did not verify or validate to Experian and they do not report to credit agencies. Experian still has not removed the Bankruptcy. I want it removed immediately.
Product: Debt collection

Credence has called my parents home and me repetitively, although I asked them to stop calling me over a debt I do not owe.
Product: Bank account or service

I have had my accounts repeatedly incorrectly reported by Navy Federal Credit Union, after I have taken multiple actions through the CFPB, Credit Bureaus and even legal action. They refuse to correctly report information and continue to damage my credit report, in what seems in an intentional way. I had a Bankruptcy that was filed XX/XX/XXXX, at that time navy in terms of my accounts ; closed, wrote off and terminated my membership. The subsequently then continue to report incorrect information, including ; showing the items " included in bankruptcy '' in XXXX XXXX, which is incorrect and severely damaging my credit report. My bankruptcy was indeed discharged in XXXX XXXX, but instead of showing it discharged, they are characterizing it in such a way that appears I am just filing for bankruptcy in XXXX XXXX,
Product: Vehicle loan or lease

Applied for loan on XXXX with Sheffield Financial Loan Request Application # : XXXX Sheffield Financial sent email requesting I remove credit freeze Unfroze credit via XXXX per their request Called Sheffield Financial back informing them I had unfroze credit which I was put on hold and then told me they were not comfortable loaning me money because they could not verify my identity. 
I have excellent credit, I have lived at my current address for 35 years, have been at my current full time job for 7 years. I have no mortgage, earn net XXXX per month. only have XXXX current auto loan payment.