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

Deserve the payment processor for the now defunct/ bankrupt XXXX credit card not only reported me as XXXX  days past due but then certified the information as accurate to XXXX in response to a dispute. I made the payment for XXXX on XX/XX/XXXX. Payments are due on the XXXX of the month so I made it XXXX  days prior to it being due. The next payment due was XX/XX/XXXX. On XX/XX/XXXX Deserve reported that it had been more than XXXX days since the payment due date when in fact it had been XXXX hours. Its widely reported that this credit card has been unusable since XX/XX/XXXX when XXXX went belly up and could not pay their creditors. Now XXXX is resorting to violating the FCRA to try and recoup their lost revenue caused by XXXX asset mismanagement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was charged {$21.00} per month since XX/XX/19 for services I never authorized via Experian. I do not have an account with them. It is not a credit card that I use and I pay the bill automatically so I haven't looked at the bill. 
I can not contact them to dispute. I have attempted both online and via the phone. I canceled the credit card.
Product: Checking or savings account

I have been using FIFTH THIRD BANKS online banking application to pay the majority of my bills. I schedule recurring payments months, maybe even the whole year at a time. Because my retirement check is automatically deposited on the first day of the month, I generally automatically schedule my recurring payments for the XXXX of the month. My recent XXXX recurring payments were automatically scheduled for the XXXX months ahead of time. 

What I was unaware of is that the XX/XX/XXXX fell on XXXX XXXX. What I was MOST unaware of is that the bank would program their computers to automatically CHANGE the payment day of my XX/XX/XXXX payments BACK THREE DAYS TO XX/XX/XXXX and cause my XX/XX/XXXX payments to bounce and cost me {$140.00} in overdraft fees! 

I was given no notice nor was I asked permission to change my payment date. The bank could just as easily have programmed their computers to move the payment date AHEAD to the next business day after I had scheduled my payment, XX/XX/XXXX. But it chose not to in a perfect example of uncaring greed. 

Of course I called a Bank Service Representative and then talked to a Supervisor certain they would reverse the overdraft fees. They agreed to refund only half the fees, {$74.00}, citing the banks arbitrary policy of refunding only {$74.00} per year in fees, even if the fees are clearly wrong and unjustified. I might add the the banks Supervisor, who name begins with a V and ends in an A, was rude and uncaring. Whats the purpose of talking to a live person if theyre going to robotically cite arbitrary policy? And why wouldnt the local bank manager have the power to evaluate each individual situation for its merits? 

For us, good, solid bank customers, here is our reality : I am terminally ill and bedridden, unable to even leave the house to meet with a new banker. Hopefully, we can find one to visit us at our house. 

In addition, Fifth Third has stolen {$74.00} from me, money I need for my medical costs and prescriptions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted Experian via The Experian XXXX XXXX and also via telephone to resolve violations occurring on my credit report I have contacted them and filed disputes at least ( or more times. They refuse to comply. Or provide a proper Investigation under 15 USC 1681. This is grounds for removal of the accounts from my report. I have filed a previous complaint with the CFPB on XX/XX/22 with no avail. Experian took the entire 60 days to provide a final response to the CFPB. When XXXX and XXXX responded within 30 days or less. Not only did they take long they claim to have investigated these accounts i disputed yet these same accounts display multiple pieces of on accurate information on my report. How could you have verified them without confirm all information t these companies are reporting. Also to be noted is how different my Experian report is compared to my XXXX  and XXXX. EXPERIAN IS OPERATING WITHIN ITS OWN RULES. 
Experian has violated my rights on multiple occasions under 15 USC 1681 thus forcing me to again file a complaint with your company Please, this is my last attempt to correct and resolve this issue before I proceeed with legal action against Experian. I have all documentation to prove my case.

Experian, Please delete these accounts You have investigated and reinvestigated multiple times and have not abided by or followed the law My report remains the same!
Product: Credit card

XXXX XXXX uses a third-party financial servicer, Barclay, to facilitate payments. The two entities appear separate, and do not share information about account transactions and payments in real-time. I have noticed a pattern of consistent over-charge of interest as a result, which usually is most apparent when I pay my balance in full and receive a statement that I owe additional fees/interest after-the-fact. I believe this practice is deliberate, and contrived to passively retrieve more than agreed upon interest fees in the credit contract. I have to call every time this happens and request the interest fees be reversed. The fact that the company readily acknowledges the error of additional charges and reverses the fees without question leads me to believe that they are aware, and that many other consumers may just be unknowingly paying these fees without question. I have expressed to Barclay ( in these phone calls ) that this practice is patterned, unethical, and illegal and that someone should correct the error in the system. Today I am filing complaint in hopes that an outside investigation into their practices will bring them into compliance of federal fair-trade practices.
Product: Mortgage

Caliber Home Loans ( CHL ) sent confirmation in XXXX of 2016 indicating that we were approved for a loan modification. Immediately thereafter, and pursuant to CHL 's instructions ; we submitted our signed documents which we Faxed ( verified ) & Mailed. We immediately began paying the agreed upon amount FAITHFULLY/MONTHLY to present day. 
In XXXX CHL sent a foreclosure notice and when I called they indicated that they had not received the aforementioned documents before a XXXX deadline and they were therefore going to foreclose on our loan. CHL said they called and sent notifications BUT THAT IS NOT TRUE!!! as we only received a letter in XXXX stating the correct address to send our Bank Checks to as being XXXX not XXXX as I was sending the Bank Checks to the XXXX address as instructed by a representative which I spoke with. That is THE ONLY correspondence we received from CHL - for had they merely indicated that they did not receive said documents we would have immediately remedied the situation. 
The Bottom Line is CHL accepted and cashed our checks for several months now which in any court of law is validation of the contract between us. 

It should be noted that throughout the process of being completely ignored by the XXXX XXXX XXXX after being transferred from XXXX XXXX Bank - the entire process of dealing with CHL was excruciatingly difficult - and mind you - I 'm a XXXX with an XXXX!!! CHL seemingly/purposefully made Loan Modification Process exceedingly difficult. They would send out the same packets of documentations time after time and oftentimes requesting information that had already long since been sent and verified as being received by follow up phone calls. And please do note that it more often the case that the representatives gave completely different explanations when compared to the documentation they sent out. 

Oftentimes it seemed like we were dealing with several different disjointed companies when trying to communicate with CHL. No one had answers to seemingly simple questions concerning their documentation inquiries. 

In perusing the online complaints it was readily understood that we were in an uphill battle in dealing with CHL, but nothing prepared us for how incompetent this organization was. 

XXXX can only hope and trust that they, like XXXX and other evil establishments, will be levied well-deserved punitive fines and fees for how they have mistreated their clients. 

Reiterating : We complied with every request made of us - we were granted a loan modification - faithfully made our payments from XXXX through to XXXX - and then unexpectedly received notification that we were being foreclosed on - without a single phone call/message or registered letter which one would think would be well warranted in a situation like this. CHL sent us NOTHING save for an address correction for payment! 

For if we had XXXX iota of an indication that there was a discrepancy we would have moved heaven and earth to remedy the situation. 

With all that being said, we want to thank you for your time and efforts on our behalf as we are truly at your mercy against an unmovable object. 

Gratefully yours, XXXX
Product: Debt collection

I am wondering what process of investigation you are wasting that despite previous escalation of my dispute, you will advised that I had to wait for 30 days for the investigation yet there was no progress for so long already. I am writing to dispute and request the removal and update of an inaccurate late payment that continues to stain the reputation of my creditworthiness on my credit report. 
Account Information : XXXX XXXX XXXX XXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. 
I would like to emphasize that this late payment is inaccurate and does not reflect my credit history accurately. I have consistently maintained a positive payment history with the mentioned creditor, and there were no late payments during the disputed period. The presence of this inaccurate late payment on my credit report has a detrimental impact on my creditworthiness and financial standing. I am committed to maintaining a favorable credit history, and this reporting error is causing unwarranted damage to my credit reputation.
Product: Payday loan, title loan, personal loan, or advance loan

I went into XXXX XXXX  to get my XXXX  fixed. I was told that the personal loan through sunbit would not report to my credit and the inquiry would also not report to my credit. I made it clear to lady that was helping me apply that I do not want new loans on my credit since I am in the process of applying for a business loan so it would hurt my debt to income ratio.

Well turns out that was a lie and the loan did report to my credit. So now I may not get the full amount that I need. I did talk to the manager which is XXXX XXXX and she said that they do not have formal training when selling this product. 

All I want to do is make this complaint public so that the people are aware to stay away from XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a XXXX account and XXXX reported on an account that I never had and reported me as owing XXXX result and reported this to Experian, XXXX I do not have any accounts with XXXX at this time.
Product: Debt collection

This is an improper mailing of court documents issue. The Debt collector physically served legal documents without an envelope to third parties on XX/XX/2019. All of my information was exposed to everyone who handled the documents, the person who was physically given the documents and everyone in their household as well
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute the information on my credit report regarding NAVY FCUXX/XX/2022. According to 15 U.S. Code 1681e, I did not authorize either of these institutions to furnish my information. 

I have never given written consent for them to disclose any of my personal information. It has come to my attention that they have provided information to you without my authorization. This is a clear violation of my privacy rights and I request that information be removed from my credit report immediately. 

I kindly request that you investigate this matter and provide me with a detailed statement of how this information was obtained without my consent. If proof can't be provided I demand this account be removed from my credit profile. I expect a response and resolution to this issue. Thank you! I have included a screenshot inside this complaint on NAVY FCU XX/XX/2022.Please see screenshot attached : Sincerely, XXXX XXXX
Product: Mortgage

In XXXX I refinanced my existing mortgage with Citimortgage for {$250000.00} / 5.5 % / 30 years. In XXXX I was approved by CITIMORTAGE for a loan modification, after a reduced payment plan of {$1400.00} for 6 months, instead of the $ XXXX  monthly regular payments. My new modified loan was {$260000.00} / 4 % / 40 years. My question now is how did it get to {$260000.00} after paying for 9 years? My mortgage from XXXX to XXXX was always with CITIMORTGAGE and I made my payments every month, so where did my payments go. My mortgage is now being serviced by XXXX XXXX, but my problem is when CITIMORTGAGE was servicing my mortgage. Why are they dismissing me now. My mortgage # with CITIMORTGAGE is XXXX XXXX. Please help or tell me where I can get help. The math does not add up.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to submit an address update to my file, The only addresses that should be on my report are XXXX XXXX XXXX XXXX Ohio XXXX and XXXX XXXX XXXX XXXX Ohio XXXX. 
The other addresses need to be removed immediately as I haven't lived there in over 10 to 20 years. No accounts are relevant to those outdated addresses.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX # XXXXXXXX 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, 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found a series of disturbing alerts. All of these inquiries and accounts have been submitted and/or obtained without my consent.
Product: Credit card or prepaid card

I had a Capital One Savor Card that was inactive. In XX/XX/XXXX, they charged me a {$95.00} annual fee on the card. The next month, they charged me the {$95.00} + {$25.00} late fee in payment. They started charging more and more fees of {$25.00}, so that it is now in XX/XX/2021 at {$210.00} dollars ( {$3.00} in interest this month ), for an account that they closed already for being " 120 days delinquent ''. There were no prior charges on the card- this was a card that was PAID IN FULL. They haven't done any effort to contact me about this suddenly missing payment. Instead, they are just using legalese to turn a {$0.00} credit card account balance into a {$210.00} fee and counting, which has dropped my credit score over 100 points and is my first delinquency EVER. This is awful shady business practices. 

To make matters worse, I also didn't find this info of " owing {$210.00} '' from Capital One, in part because they don't want me to know that they're charging me an extra {$25.00} a month plus interest to buy nothing. I had to comb through my credit report to discover which account was popping off with this 120-day delinquency. It was a previously entirely inactive account with Capital One, with a {$0.00} balance. They really want to charge fees upon fees, with interest on top of their fees. A {$95.00} fee turned into {$210.00}, with no effort on their end to collect, because the goal was fee growth. Even the original {$95.00} wasn't from me purchasing anything
Product: Student loan

Despite satisfying the requirements of Public Service Loan Forgiveness ( PSLF ), Mohela, my student loan servicer, has not updated my qualifying payment counts and has not forgiven my student loans. 

My loans and my employment satisfy the requirements for PSLF.

I have routinely filed Employment Certification Forms ( ECF ) with my student loan servicers. In XX/XX/XXXX Mohela correctly reflected that I had made 108 qualifying payments based on my most recent ECF. 

On XX/XX/XXXX, I submitted my final ECF to Mohela because I had completed enough payments to qualify for forgiveness under PSLF. 

On XX/XX/XXXX, the form was marked as " processed '' on Mohela 's website. 

As of today, XX/XX/XXXX, ( 139 calendar days and 96 business days since the submission of my final ECF ) my payment counts have not been updated and still reflect 108 qualifying payments. Mohela has not contacted me that there was any issue with the form and has not taken the action the form requires. This is an unreasonable amount of time to wait. I am entitled to forgiveness now.
Product: Debt collection

This account was previously removed from all three credit bureaus due to fraud, but a new third-party creditor has acquired it from XXXX XXXX XXXX XXXX and reinstated it on my credit report. I have requested a debt validation letter from them, which has gone unanswered. The account is closed, and XXXX XXXX has claimed insurance on it. Neither XXXX XXXX XXXX nor XXXX XXXX XXXX is legally entitled to collect on this account. XXXX XXXX XXXX XXXX XXXXXXXX I have also attached a copy of the validation letter sent to this company on XXXX.
Product: Credit reporting or other personal consumer reports

I requested for the credit agencies to dispute the information back in XXXX got response in XXXX stating accurate response from creditor so asked the creditor to send the info never did told the credit agencies never got a response and they simply ignored it so I need help to get both companies to listen to me innovis, XXXX XXXX, XXXX XXXX which never got a response the credit agencies wont gispute information If I do not get a letter from these reporting agencies need help
Product: Credit reporting or other personal consumer reports

I found below inquiries on my credit report which are not associated with any of my open account, I did not authorized these inquiries to credit report. Hence these inquiries should be removed from my credit report : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Bank of America XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX  XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX  ) XX/XX/XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) XX/XX/XXXX > XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XX/XX/XXXX > XXXX XXXX  ( XXXX XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX XXXX XXXX )
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you, the TransUnion credit reporting agency XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, an bank account opened at XXXX XXXX XXXXXXXX XX/XX/XXXX under the account number XXXX, an a installment loan account opened at XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX under the account number XXXX, an collection account opened at XXXXXXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, an collection account opened at XXXXXXXX XXXXXXXX  XXXX XX/XX/XXXX under the account number XXXX, an collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, and a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Credit reporting or other personal consumer reports

I was one of the millions whose personal information was stolen from creditors databases, leaving me vulnerable to identity theft. Compounding this issue, major creditors like XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX reported inaccurate information on my credit report without proper verification. This has created significant challenges in addressing my credit status and has made it difficult to regain control over my financial well-being.
Product: Payday loan

Dear Madams, dear Sirs, I took a loan of {$200.00} with a fee of {$50.00}, in total {$250.00} from castle payday. 
I already paid {$50.00} on XX/XX/2015Yesterday I wanted to pay off the rest of the {$250.00} but was told they do n't take my credit card and I owe {$320.00}. 
When calling collections they told me that every XXXX weeks I will be charged a " Finance fee '', which I heard at that point for the first time. They said they would send an HS form so I can fill in my new bank account info ( I closed mine 1 week ago ), but never received that form. 
I sent XXXX emails to support @ castlepayday.com as advised from their collections department, but have not heard back from them. 

When signing up for my account I asked the representative XXXX if I will not be charged extra if I only pay {$50.00} bi-weekly and he said no, I will only be paying off the amount of {$250.00}. I told him that I could pay the full amount, but he said that wo n't be necessary. 
Last week I checked my balance and called, asked the woman on the phone why the XXXX payment of {$50.00} does not show deducted off my balance and she said : I should not worry cause I would not see that online. 
Believe me if I would have known I would have paid the full amount on XXXX XXXX. 
I want to pay it off and forget the whole nightmare already. 
Please help! 

Thank youXXXX