23daVinci/CFPB_Complaints huggingface dataset:
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 Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX 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, credit repair services, or other personal consumer reports

These are collections reporting on my report Equifax and 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

Im filing a complaint about XXXX, I have called XXXX and go hung up on or j cant dispute any information on my report I have two inquiries on my report I want to dispute as fraud I dont recognize and they do not belong to me, XXXX and XXXX XXXX XXXX, XXXX XXXX, please remove these inquiries I have filed a FTC identy theft report, i want these removed and block, I have not checked my credit report, I want these inquiries taking off, they are not factual when its fraud and a consumer does not recognize or have not checked there credit report, XXXX  has poor customer service, nobody seems to want to help so please remove
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX Dear CFPB, I am writing to formally request your assistance in addressing ongoing issues I am experiencing with the credit bureau, XXXX , XXXX and TransUnion. Despite multiple attempts to resolve inaccurate reporting on my credit file, this company has failed to provide me with a satisfactory response. On XX/XX/XXXX, I sent a certified letter to XXXX disputing an account reported as a charge-off. However, when I called to confirm the receipt of my dispute, I was informed that they had not received it, which is not true because I have the tracking number and stated that the letter was successfully delivered.This indicates that XXXX is not taking my disputes seriously. 

For several months, I have been disputing this account, which has multiple discrepancies and errors. According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to report accurate information. Despite this, XXXX has continuously reported conflicting information on my credit reports. Each time I raise a dispute, they merely update the account but never address the inaccuracies or provide a satisfactory investigation outcome, stating only that the account has been verified. 

The issues I have identified include : File Number : XXXX Date : XX/XX/XXXX Details : Date Closed : XX/XX/XXXX Date First Delinquency First Reported : XX/XX/XXXX ( indicated as contradictory in file XXXX ) Date of Last Payment and Activity : Unknown Account Past Due : Unknown File Date : XX/XX/XXXX Confirmation : XXXX Details : Date Closed : XX/XX/XXXX ( contradictory to XX/XX/XXXX in file XXXX ) Date Last Payment and Activity : Unknown Amount Past Due : Unknown Contradictory Dates : The account closure dates differ in various reportsXXXX and XX/XX/XXXX. 
Inconsistent Reporting of Delinquency : The date of the first delinquency is listed as XX/XX/XXXX, yet there is conflicting information in different records. 
Missing Information : Key details, such as the date of the last payment, last activity, and past due amount, are marked as Unknown, leaving gaps in the accounts history that make it difficult to verify accuracy. 

I respectfully request that the CFPB take action to ensure XXXX conducts a thorough review of my dispute and adheres to the FCRA requirements to report 100 % accurate information. XXXX repeated failure to investigate and correct these errors has caused undue hardship and frustration.Thank you for your attention to this matter. I hope that with your intervention, XXXX will be held accountable for their obligations under the FCRA and provide an accurate resolution to my dispute ( see all documents attached ) Sincerely, XXXX XXXX
Product: Debt collection

On or around the XXXX of XXXX 2016, I received a call from CBE Group about an XXXX XXXX XXXX bill of XXXX. I do not have a bill at XXXX XXXX XXXX for XXXX I am still a client of XXXX XXXX XXXX. I told them that I had not received a letter from them and he stated that they mailed me a bill. I told them I have not received anything from you so please send me verification or a statement, because I do not know who you are. He stated he could not and nothing ever came, but they called XXXX 3 times a day on cell phone and home number. I answered again and asked to see the bill and they told me that they emailed it to me and the email had been opened. I asked for the email address where they sent it and it was not mine, I told them that. They said they could not send out another bill. So I called on XXXX XXXX and asked for their mailing address to send them something certified and they would not give me a fiscal address, the woman stated that they did not have XXXX, only a XXXX XXXX XXXX so I looked it up and they did have a fiscal address. I called again on XXXX XXXX and asked for the account # and the woman was very hesitant she only wanted a payment of XXXX. I sent them a certified letter on XXXX/XXXX/16 and on XXXX/XXXX/16 I received a letter ( attached ) stating that they had sent me a letter over 30 days ago concerning this bill, then I received an alerts on my phone that this was put on my credit reports XXXX. I want this negative account removed from my credit reports. I want this bill validated that I even owe XXXX XXXX XXXX and that they have the right to collect from me. Answers to the information that was sent to them certified and they received on XXXX/XXXX/16. Copy of USPS Tracking information attached and copy of letter that was sent to them, and a copy of the letter that I received from them on the XXXX/XXXX/16.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate account this reporting account as unverified information without providing any proof within the period allowed by law. The account that needs to be investigated and corrected from erroneous reporting in my file is listed on my credit report. 
XXXX XXXX
Product: Mortgage

I have had numerous difficulties resolving delays in processing my mortgage with Navy Federal. I received my Closing Disclosure on XX/XX/XXXX for a closing on XX/XX/XXXX with a cash to close amount of {$21000.00}. On XX/XX/XXXX, I wired {$21000.00} to the closing firm. 

On XX/XX/XXXX, the date of closing, I received a new Closing Disclosure with a cash to close amount of {$22000.00}. They refused to honor a {$220.00} lender 's closing credit for increases in closing costs above the legal limit.
Product: Credit reporting or other personal consumer reports

My information was compromised from a data breach ... XXXX XXXX XXXX
Product: Mortgage

Amerihome mortgage has deducted payments from escrow in error. Acknowledging they paid insurance 3 times ( two in error ) but have failed to resolve or replace funds in our escrow. Furthermore our insurance company has denied ever receiving the payment.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681 c-2 ) that you, the credit reporting agency, block informationappearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consist of XXXX XXXX XXXX  Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$1.00} XXXX XXXXXXXX Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$0.00} XXXX Acct # XXXX Date Opened XX/XX/XXXX Balanced owed XXXX XXXX XXXX Acct # XXXX Date opened XX/XX/XXXX Balanced owed {$650.00} XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Checking or savings account

Hello, I have been a customer with Wells Fargo for quite some time but have never had to experience what I have in the last 2 months. On XX/XX/XXXX while I was in volleyball practice a person deposited a fake check into my account in XXXX XXXX for XXXX XXXX There were also 2 cash withdrawals of XXXX $ at an XXXX atm and food purchases in XXXX  at a place called XXXX XXXX XXXX for XXXX XXXX While at practice, I tried to change my password several times because I kept getting notifications for transactions I obviously was not doing. I reported fraud with Wells Fargo and went through the whole claims process. I was given a new card and account number etc.. However, it was super unprofessional and not done in a timely manner. I reported fraud and the reason that was put on my claim was " She couldn't remember making those transactions '' when I told the representative without a doubt, I did not deposit that check or buy anything in XXXX. I don't live there and don't spend any time there. My claim was denied and closed but nothing was told to me. I waited a little over 10 business days and called Wells Fargo back on XX/XX/XXXX to find that out and all the representatives could say was it was denied and that I made those transactions, or they were authorized by me so there was nothing else they could do. I was at a lost on what to do to get this taken care of. So, on XX/XX/XXXX I called Wells Fargo again to tell them the representative that filed my claim was not truthful in what she put. I was given an email to contact which was ( XXXX ) I wrote them an email but never received a response. I was left XXXX $ in the negative from something I did not do. My deposits are all getting eaten up because of this. I have no way to provide for myself.
Product: Credit card

I paid my Chase XXXX XXXX card bill in full, before the due date. Two days after my bill had been satisfied, XXXX charged me interest anywsy. The excuse given was that the bill had to be paid in full for TWO Months before interest would stop!

Effectively, Chase was charging me a CASH advance fee which I never agreed to.

Horrible customer service and slimy, sneaky way of doing business. Chase should be required to warn credit card customers of this disgusting, underhanded practice.

I closed my Chase account and will do my best to spread the word on all complaint websites I can find.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report in violation of federal law. These items must be corrected and updated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If you do not validate these items, I will take legal action against you. Please follow the law so that this matter can be resolved as soon as possible. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I started my first semester of graduate school this month and I have been attempting to have my In-School Deferment Request ( XXXX No. XXXX ) form processed by Nelnet. I first uploaded the form through Nelnet 's document upload portal on XXXX XXXX After no notification of any kind, I waited several days before calling customer service to confirm receipt. On XX/XX/XXXX, I spent 30 minutes on the phone speaking with someone who stated there was no record of the form I uploaded because their website " has been having issues. '' Keep in mind this form contains my SSN and other sensitive information. I was told to upload the form again, which I did again after our conversation. 
It is now 11 days later and I have still not received notification that my form was received or if it is being processed. I am assuming not, because the customer service agent I talked to on XX/XX/XXXX said it would only take a couple days. I tried calling customer service again today, but hung up because the average estimated wait time was 67 minutes and I am trying to study today between my work schedule. My next payment is due soon and I need the form processed ASAP. These delays and dysfunctional website from Nelnet are not acceptable.
Product: Mortgage

During COVID, I was furloughed from my job. This put a strain on our monthly mortgage payments. This caused us to go into forbearance status. 

Once my job was reinstated, we were looking for an opportunity to lower the mortgage payments and decided to refinance with Rocket Mortgage. 
The mortgage company made an error during the refinancing process. They inaccurately stated what our monthly mortgage payment would be because they inadvertently left out the California XXXX XXXX XXXX XXXX amount. This was a huge error that they have admittedly made but yet have no solution except to expect us to pay the increased monthly payment. 

Summary of financial data : Prior to refinancing, our monthly payment that included taxes and all insurances was {$2000.00}. 

The cost of the refinancing was approximately {$100000.00} From the very beginning of all estimations the monthly payment amount if we refinanced with them was {$1400.00}. This amount was the key reason for our decision to proceed with the refinancing. 

After a year of us making the payment ; Rocket Mortgage is stating they made an error and did not include the California XXXX XXXX amount in the monthly payment. They are now expecting us to not only pay the extra needed amount of money ; {$4900.00} but to also endure the increased monthly payment from {$1400.00} that was stated in all closing documents that we signed, to now an increased monthly payment of {$2100.00}. 

This monthly payment amount is now HIGHER than the amount prior to the refinancing. Payment was {$2000.00}. 

We refinanced to lower our payment. Because of their error we are paying more than before plus the cost to refinance. 

We have reached out to Rocket Mortgage and have spoken to 4 different individuals who have offered no possible solutions that benefit us. After admitting their error they only expect us to make the additional payments and go away quietly. 

We are completely disappointed and dissatisfied with this company. We are reaching out for your help to come to a satisfactory solution that benefits us and lowers the payment as promised without us incurring any additional expenses. 

We would not have refinanced with Rocket if we had the correct numbers in the beginning. It would not have made financial sense. We are smart enough to know that. 

Thank you for your help..
Product: Credit reporting or other personal consumer reports

On XX/XX/year>, I noticed an account on my XXXX credit report that did not belong to me. The account was listed as EdFinancial Services. I filed a dispute with XXXX. 

On XX/XX/year>, XXXX closed the dispute and notified me that the creditor said the debt was valid. I then called them for more information and they advised me to contact the creditor. 

On XX/XX/year> I called EdFinancial Services and explained the situation. They confirmed that there was no debt under my name or social security number, but were able to identify the account in question. It belonged to a friend of mine, XXXX XXXX, who used my name as a reference on his graduate school application. I am not a cosigner on the debt, and XXXX confirmed that they did not understand why it would be showing on my credit report. They did not know if there was an issue in the way they were sending the data to XXXX, or an issue in the way XXXX was processing and reporting the data, so they could not fix the issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX reported my account 30 days late for XX/XX/2022. I was NOT 30 days late. I had a payment due of {$60.00} ( This is what my XXXX said was due ) on XX/XX/2022. I paid {$27.00} on XX/XX/XXXX & paid {$61.00} on XX/XX/XXXX = {$88.00}. That amount covers the {$60.00} XXXX XXXX informed me I owed. XXXX XXXX will claim that since another previous payment of {$2700.00} was returned the minimum payment for XX/XX/XXXX should have been {$92.00}. But I have no way to know this. XXXX XXXX should have updated the statement because on XX/XX/XXXX the online information also confirmed that {$60.00} was the minimum due. 

Also XXXX XXXX doubled my minimum payment for XX/XX/XXXX to {$160.00} FOR THESE REASONS XXXX XXXX HAS REPORTED INACCURATE INFORMATION TO ALL XXXX CREDIT BUREAUS.
Product: Credit reporting

I have disputed with experian/XXXX/XXXX that I have identity theft on my credit report with XXXX accounts that were opened fraudently. I also contacted the companies directly to report this information. XXXX XXXX did an investigation and I received a letter stating the investigation was done and it was proven that someone stole my identity and the information will be removed from my reports. To date this information has not been removed. I also have XXXX store showing on my report that also has been a part of identity theft. These credit reporting agencies are doing nothing to remove this information. I have been disputing this for months now and it is affecting my credit score. I am complaining because I have made numerous phone calls to the credit beaurous and ca n't reach a live person to speak to with experian. Along with this complaint I am also complaining because there are a few ( XXXX ) accounts that are showing as negative ... ..when in fact I have valid proof from the bank that these accounts were never late and should be showing as satisfactory on my reports.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Midland Credit Management , Inc . 
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 you for your correspondence dated XX/XX/year>. I appreciate the information provided. However, I request further clarification and documentation to verify the validity of this debt, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, I request the following : 1.Chain of Assignment : Please provide a detailed and documented chain of assignment showing how Midland Credit Management , Inc. obtained the right to collect this debt. This includes any agreements, contracts, or bill of sale demonstrating the transfer of this account from the original creditor to Midland Credit Management , Inc . 

2. Balance Justification : Kindly provide an itemized breakdown of the current balance of {$650.00}. This should include all principal amounts, interest, fees, and any other charges applied to the account from its inception to the present day.

3.Verification of Accuracy : While you indicate that the information furnished to credit reporting agencies is accurate, I request specific documentation from the original creditor, XXXX XXXX XXXX XXXX , verifying the accuracy of the account details you provided, including but not limited to : - The original account agreement signed by me. 
- Payment history and charges leading to the current balance. 
- Documentation of charge-off status. 

XXXX. Cease and Desist Clarification : While your letter acknowledges my cease and desist request, I remind you that all communications regarding this matter must now occur through the CFPB portal or other legally permissible channels unless initiated by me. 

Please provide the requested documentation within the 30-day period as required under FDCPA Section 809 ( b ) to validate this debt. Until such time as you provide adequate validation, I dispute the validity of the debt in question.

Thank you for your attention to this matter. I look forward to receiving the requested information. 

Sincerely, XXXX XXXX
Product: Checking or savings account

On XX/XX/2023 I tried to access my Chase online banking account, but when I logged in it said that there was fraudulent activity and I could not access the account and it said that I should call the bank. 

So then I called the bank and the told me that my account was slated for closure and they would not tell me why, or when they would close the account. They also said that there is nothing I can do And that I would not be able to access the online billing portal where I have not only the checking account that was closed but also my two credit cards. 

They said that I would not be able to access the funds until I received a check in the mail two weeks later. They also said that part of my agreement that I signed when I made the account what's the deck and close my account at any time without prior notice, or letting me know why. 

This is unacceptable.
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. Please delete these immediately XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of XXXX 's Breach and upon, reviewing my Credit report I noticed Unauthorized inquiries as well Unknown debt accounts that were removed in the past but have recently been reinserted. I have made several calls to XXXX to try an resolve the issue and I have also contacted them by mail but the Unauthorized inquires and Unknown accounts are still on my report. XXXX have not provided any contract or physically proof of the said debt or inquires belonging to me, nor did they notify me that these would be reinserted on my report. XXXX will not remove the Unauthorized inquries nor Unknown accounts on my report and this is violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint comes forth as I have reached out to Experian as a victim of Identity Theft, yet to no avail. I am extremely disappointed in their failure to process this dispute as I am victim already of fraudulent acts and currently feel as if I am shouting in the dark.