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

I have review my credit report to check accuracy and found out that a lot of account that I had no knowledge about are destroying my credit reputation and causing a lot of damage to my ability to obtain credit, these account are fraudulent and should not be in my credit, I what to request that these account be block from my credit immediately. 
Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, I did an investigation on my credit report which coused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Report Act, Everything has to be 100 % accurate on my credit report and Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1691i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
Product: Student loan

I qualified for PSLF through 120 payments as of XX/XX/2022. I submitted my PSLF application for forgiveness on XX/XX/2022 and I received a response from FedLoan Servicing saying they would process my application in 30-90 days. It has been over 90 days with no response from FedLoans. I have called 4 times but the call disconnects whenever customer service attempts to transfer me to a PSLF specialist. The FedLoans website no longer says that my PSLF application is being assessed but I have no new payment counts or updates from FedLoans.
Product: Credit card or prepaid card

I presently have a complaint with you activity. Complaint # is XXXX. However, today I received a reply from Chase stating charges are valid but did not address or answer my questions with regards as to why I am being charged for something I did not purchased
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act convergent account number XXXX violated my rights. XXXX5 U.S.C. 1681 section 602 A. States that I have a 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. This company has not validate any debt.
Product: Mortgage

I purchased my home in XX/XX/XXXX. In XX/XX/XXXX I received a notice of delinquency for my property taxes on my second lot. I contacted them and was told the taxes were paid, I subsequently found out they were not and was then hit with a massive escrow shortage a few months later, my payment was grossly miscalculated and I had to spend almost a month correcting the matter. At that time I provided Plat/lot numbers for both properties and explicitly requested they ensure the plat and lot numbers were included so that this would not occur again. 

On XX/XX/XXXX I received a letter once again stating that my taxes were delinquent on my second lot. I was told to email their vendor with the information. I did on XX/XX/XXXX and did not hear back. I called today XXXX XXXX and spoke with the tax collector 's office and was advised the taxes were more than 1 year delinquent and that when they were last paid for that lot on XX/XX/XXXX they were not paid in full and a balance remained. I called Mr. Cooper and was advised that they had no record of my issue from last year and that they had researched my concern for this year and found my taxes were up to date. I had to provide plat and lot number again along with correspondence records indicating that it had not been paid. At that time it was discovered that a second tax line had not been added for my lot when the issue occurred in XXXX and as a result they had not been paying the taxes or collecting for it. 

Mr. Cooper has taken the steps to start rectifying the issue of collecting taxes going forward but are not willing to take ownership of the resulting shortage. I understand that it is my responsibility to pay the taxes, but in paying my mortgage I am completing my part of that responsibility. I was under the impression that I was paying my taxes accordingly and because of a clerical error that I went above and beyond to correct last year there is a shortage and that is not my fault. I should not be responsible for the shortage as I made all steps and provided all documents to rectify and was told it was correct. Mr. Cooper should be responsible for all interest, penalties, and shortages.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 

These companies have refused to do work on disputes even though they're required by the law to do so. 


Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX MTR Account Number : XXXX Account Name XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX INQUIRIES : 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 or other personal consumer reports

Securiry fianance I have a loan with I have brought up to them how I lost my job due to covid.. we have spoken and called and they have stated before from employee to manager and supervisor they will not let my account go negative and they agreed to remove inquiry and account but failed to do so. They have failed to correct the issue
Product: Credit reporting, credit repair services, or other personal consumer reports

I had three accounts with XXXX two years ago and suddenly they are not reporting on any of my credit files. FCRA states that paid closed accounts are to remain for 10 years on the credit report. They are quick to report negative information but positive information XXXX refuses to report.
Product: Student loan

Navient reported late payments in 2017, which is inaccurate.
Product: Credit reporting or other personal consumer reports

My student loan servicer reported that I owed XXXX when I only owed XXXX, effectively dropping my credit score by XXXX points. I need to move, so this drop in my credit score is significant. I have been extremely stressed out about this and have felt sick since seeing the incorrect charges on my credit report. My student loan servicer is XXXX XXXX.
Product: Credit reporting or other personal consumer reports

In XXXX and XXXX, XXXX, XXXX, I reported that I have not been allowed to see my credit score. Every time I speak to an Experian Representative, they tell me that there is nothing wrong with my credit. However, when I check my credit score on various platforms, there is no information available. Furthermore, I have been locked out of my XXXX and XXXX accounts as well. They are reporting my score and credit activity, but I am unable to access or use my credit, and this has been an ongoing issue for quite some time. I am tried of being given the runaround, so I am asking for your help. Thank You
Product: Credit card or prepaid card

I paid off the balance on my Capitol One Credit Card, like I do every month, only this month, my access to my credit line was disrupted. I contacted Capitol One and they told me they placed a 7 day hold on the account to allow sufficient time for the payment to clear. I asked them why I was able to access my credit line for 2 days after posting payment and they couldn't or wouldn't tell me. I contacted my bank and they gave me the exact date and time that Capitol One received my payment and even provided me with a trace number. The supervisor at Capitol One claimed they could not use the trace number my bank provided, they could not access my Credit Card account to see the posted payment, and could not tell me exactly why, after 6 months with no issues my account was placed on a 7 day hold. The only way to get access to my Line of Credit prior to the 7 day hold is for me to call them and stay and on the line while they call my bank to get verbal verification from them that they ( Capitol One XXXX received the money. I have NEVER encountered this problem with my XXXX XXXX. So my question/complaint is this : Is what Capitol One is doing a XXXX legal, b XXXX ethical ( I'm thinking a hard NO on this one ), and c ) Is there any way to prevent this from occurring again in the future?
Product: Mortgage

I submitted a full package for mortgage assistance back on XXXX XXXX, 2016. Since then I have not received any correspondence or calls from any point of contact or representative on behalf of Bayview. When I do call in I am transferred to a single point of contact but yet they never answer nor return calls so I am left calling back only to deal with the same issue. Bayview should have all documents for assistance and should be reviewing my file accordingly as there is an upcoming foreclosure sale in 2 days! I feel I am being treated unfairly and properly given the urgent situation of my foreclosure.
Product: Credit reporting, credit repair services, or other personal consumer reports

I hope all is well, Im having trouble unfreezing my Experian credit report. It says its unfrozen but when this company tried to do a soft pull it wouldnt let them. Can you please fix the problem? I need to be able to unfreeze my credit report and to freeze it back. Thank you for your time. Have a wonderful day and please continue to be safe.
Product: Debt collection

XXXX XXXX XXXX with Salmon Law Firm PLLC, on XX/XX/2018 filed a motion to place a lien on my property. 

XXXX XXXX XXXX does not have a judgement against me and has been notified in writing and by phone to cease and desist all collections activities as he has no judgement against me and is threatening to take my home.
Product: Mortgage

I have a mortgage with Roundpoint Mortgage Servicing Cooperation. My mortgage has an escrow for payment of taxes and insurance. On XX/XX/XXXX, I received a notice from my insurance carrier that my property insurance policy had lapsed due to non payment. The payment was due onXX/XX/XXXX ( the effective date of the policy ). The notice from the insurance company also said the policy would not be re-instated if the payment was not received by XX/XX/. I immediately called Roundpoint Mortgage on the morning of XX/XX/XXXX and basically got the runaround. While they admitted that they did not pay my insurance bill from my escrow account, they said they could not tell me why. They said they would need to call my insurance agent and I would have to call back to get an update. They were unwilling to call me to give me an update. After about 30 minutes on the phone with Roundpoint, the agent disconnected me ( hung up on me ). 

I called back about an hour later and got an another agent and had to start over on my problems. Apparently no notes were placed on my file by the first agent I talked to. This time I was on the phone for over an hour. Again, with no resolution or satisfaction. They said it generally takes 3 - 5 business days to get a payment out, but they had to depend on the insurance department for this. I told them that the payment need to be overnighted that day since the notice said the policy would not be re-instated in the payment was not received by XX/XX/XXXX. I was again told their normal policy is the get the payment out in 3 - 5 days. I told them was unacceptable since this was their error and my home current has no insurance. 
The attitude toward my problem was totally unacceptable and there was no sense of urgency in getting it taken care of. Isn't it illegal for this mortgage company to hold funds in my escrow account and not pay my insurance? When I got the mortgage I was required to have an escrow, yet this company is not required to pay my insurance out of my escrow account? Totally unacceptable! And no sense or urgency in getting it resolved. And no explanation about why it happened.
Product: Credit reporting or other personal consumer reports

I am filling a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX XXXX. XXXX ) against them for similar violations. I request that the CFPB take actionto ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Mortgage

Servicer handling two mortgages on my behalf. One payoff was requested XX/XX/year> and payoff received within 30 seconds. Second payoff requested XXXX and still do not have the statement. Called twice. Not sure what the difference is just because one is for an investment property held by XXXX XXXX XXXX and the other was an investment property held by me individually. Same portal used to make both payments. If a payoff statement can be generated in seconds, no reason why another one can not unless it is in foreclosure. These delays are arbitrary, unreasonable and detrimental to the ability to complete real estate transactions in a timely manner.
Product: Checking or savings account

There are several different issues inregards to my account for the past several months my deposits and purchases do not appear to be accurate as well as as the beginning balances for a instance if on XX/XX/XXXX my ending balance is XXXX and a total of XXXX has been direct deposited. I would think my account total should be the ending balance plus my XXXX I deposits would be my total. Tgey are just showing my deposit for that month then minusing the total amount in my purchases and again this has been going on for quite some time and when contacting them I just get they can not see any discrepancy and that I can't go off of my statements. I asked the lady numerous times why wouldn't I go off there statements and she said she needed me to speak to a different department in total at least the past XXXX of statements thate that I ave gone through is showing multiple things another instant if XXXX. Was deposited into my account and I spent XXXX my balance should be XXXX not negative XXXX dollars I really feel that they are just putting me off to because they just keep telling me that the gave reviewed my account and that it was right when I ask for a more detail statement tgey state the statement I have is all they have so again I ask them why is it then for my balances should I not go off the statements provided by them. again another story another run around please help me with this matter
Product: Credit card

Please see XXXX previous complaints that were closed as a result of the company 's response. But the company is not addressing the issues. This was a fraudulent account. They have justified it as a valid account stating I requested to be added as an authorized user. But they also provided a credit application ( with a scribbled line as my signature ) as proof that I authorized the opening of this account. It doesn't make sense that I would sign a credit application and then request to be added as an authorized user. I specifically called on XX/XX/year> to report the card as fraudulent. In addition, they have not provided validation of the XXXX charge made to this account. They reference a signed contract with a merchant but has not provided a copy of that signed contract.
Product: Credit card or prepaid card

I have tried multiple times via certified mail, email and phone calls to resolve this issue. 
I was charged for a service I never received after many phone calls emails and certified mail I've been told they can not help me. 
I'm including copies of the communication between myself and the Citi Credit Card. 
I'm being charged {$620.00} for a service that I did not get. 
Please help!
Product: Credit reporting or other personal consumer reports

I am disputing inaccurate and erroneous information being reported on my credit report by XXXX XXXX and a third-party collection agency TruAccord regarding the same alleged debt. This letter serves as a demand for immediate removal of this inaccurate information under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, and other applicable consumer protection laws. 

Inaccurate Reporting and Multiple Debt Collections : According to the FCRA, credit consumer agencies are required to report accurate and verifiable information. I have discovered that XXXX XXXX is reporting a debt under their name, while simultaneously, a third-party collection agency XXXX is contacting me for the same debt. This constitutes duplicate reporting and is inherently misleading and inaccurate. 

Consumer Laws Against This Practice : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : This section mandates that information furnishers must not report inaccurate information to credit reporting agencies. The existence of XXXX entities reporting the same debt is a clear violation of this provision. 
Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e : This statute prohibits false, deceptive, or misleading representations in connection with the collection of any debt. Reporting the same debt multiple times misleads and deceives the consumer and potential creditors. 
Florida Consumer Collection Practices Act ( FCCPA ), Fla. Stat. 559.72 ( XXXX ) : Under Florida law, it is illegal for a debt collector to assert the existence of a legal right that does not exist. Attempting to collect the same debt through multiple agencies violates this statute and causes undue confusion and harm to the consumer. 
XXXX XXXX continues to update my consumer report on a monthly basis, which constitutes ongoing harassment and an attempt to re-age the debt. This practice violates the FCRA, which requires that only accurate information be reported. 

I am demanding the following actions be taken immediately : Complete Removal : Remove all references to this disputed debt from XXXX XXXX from my consumer report across all three consumer reporting agencies ( XXXX, Experian, and XXXX ). 
Cease Monthly Updates : Ensure that no further updates regarding this disputed debt are made to my credit report. 

I expect an investigation into this matter and a resolution within the 30-day time frame as stipulated by the FCRA. Please send me written confirmation once these items have been corrected
Product: Credit reporting or other personal consumer reports

Received notification from all three bureaus that my car payment was 30 days late for XX/XX/2023 when we are currently in XXXX and the payment is not due until XXXX XXXX. They have also reported me 30 days late for XXXX even though they received the payment on the XXXX day and not XXXX in which they continue to break the Credit reporting law that 30 days not 29. 

Many customers are having this issue with this company as they are violating. They are reporting my account XXXX days late and it is incorrect and both BMW FINANCIAL AND XXXX, XXXX, XXXX IS XXXX TO CORRECT THE ISSUE. 

DUE TO THE NATURAL DISASTER IN FLORIDA AND MY BUSINESS CLOSED I CALLED BMW IN WHCIH A REP STATES I COULD NOT GET A PAYMENT EXTENSION AND I HAVE UNTIL THE XXXX OF THE MONTH TO PAY AND NOT GO ON MY CREDIT AND I PAID THE XXXX. 

PLEASE READ ALL THE COMPLAINTS AS THEY ARE DOING THIS TO THOUSANDS OF PEOPLE AND THEY ARE WRITING THAT THEY REPORT 29 DAYS WHICH IS ILLEGAL.
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate this account ( A ). It is not permissible to fail to validate this reporting account as unverified information without providing any proof within the time frame specified by law. My credit report includes erroneous information that needs to be investigated and corrected : XXXX XXXX XXXXXXXX XXXX... Balance : {$40.00}
Product: Checking or savings account

Hi Team, My name is XXXX XXXX at XXXX XXXX XXXX, XXXX NJ XXXX. I run a small business XXXX XXXX XXXX related to computer software for XXXX XXXX. I opened a business checking account at Truist.com bank with account no # XXXX. I deposited a check of XXXX $ from my XXXX  XXXX XXXX account on XX/XX/year>. Suddenly they have sent me a letter last week that my bank account is closed and they are investigating on my transactions. I checked with XXXX  XXXX XXXX about my transaction of XXXX $ and they dont see anything wrong with it. But Truist bank is sitting on my money and providing no end date to complete this investigation and return my money. They are behaving very rudely. I need your help to push Truist bank and release my funds. 

Thanks, XXXX XXXX
Product: Checking or savings account

I had just gotten my debit card not long ago from Card.com/XXXX XXXX  & it was the XXXX one sent to me, as the first never made it to my apartment. I never deposited money into the account, originally ; until recently I needed a debit card to receive a refund on. I tried calling the company within XXXX hours of the refund being processed by the store & was informed it would take XXXX business days to see my funds. Now at the same time I was waiting patiently, I tried logging into their app, only to find my card was no longer linked & it supposedly was showing my account balance as {$0.00} but upon calling the company today ( XX/XX/year> ), the recording stated I had the refund amount deposited in my account as of XX/XX/year>. I attempted to relink my card to my account profile, but was unsuccessful. I also attempted to add the card to my XXXX profile in hopes to just transfer myself the funds but the site says the card declines, each time & wont even save the card to my profile. Im not sure how this company is still in business when checking the XXXX XXXX XXXX site theres a slew of complaints where people have been unable to access their money or having to jump through unnecessary hopes to access it. Shame on me for not checking there prior to using the card & now it makes sense why I waited to use the card to begin with. I will attempt to call customer service again on Monday XX/XX/year> since the recording indicated theres no live agents available on the weekends ( Ive never heard of this from a legitimate bank/debit account ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Lexis Nexis is obtaining my credit report and incorrectly certifying my name for a public record. My legal name is XXXX XXXX and the public record should be removed by law. I have submitted my birth certificate attached, my social security number and government identification showing my legal name as XXXX XXXX and not the name of the public record.