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

This account has popped up on my credit report, to the best of my knowledge i believe i have been a victim of identity thief and i am taking proper actions to correct all issues that i am having. The following account need to be investigated please : XXXX XXXX XXXX Original creditor : XXXX UNIVERSITY {$3600.00} There is inaccurate information listed on his credit report in violation of 604 ( c ) ( 3 ), 609, 615, and 623 of the FCRA. The law states, furnishers of information to consumer reporting agencies must be accurate and duly validated, and has the express duty to correct and update information that is inaccurate or has not been duly validated. Additionally, when such negative reportings are the result of identity theft, which is a possibility in this case, the law prohibits the reporting of such unverified accounts to be placed on a consumers credit report. Upon research, information, and belief, your bureau is in clear violation of this law. Additionally, 623 of the FCRA requires your bureau to correct and update information in such instances.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2018 Amount : {$1000.00} Contacted my bank USAA Savings bank to stop wire transfer 10-15minutes after transaction and also visited XXXX XXXX XXXX branch to also stop payment, no one could help me, BOTH only advise me to contact person who the wire transfer was sent to which was my Old landlord in XXXX which we didn't end terms amicable and now i live in XXXX. I did however send landlord e-mail requesting money back. Final Word on the both banks mentioned here was that money was already posted and couldn't get it back. Below is what happen : I wanted to transfer money from MY checking account to My savings account within same bank BUT Money got transfer UNINTENTIONALLY from my savings account to another bank Institution which we had business with in the past " old landlord bank account ''
Product: Debt collection

I have been contacting this company for quite a while with the last two communications being via mail XX/XX/XXXX and XX/XX/XXXX. I have asked them numerous times to send me proof of debt because Ive been disputing the items on my credit report, and XXXX from their credit department said they dont have to do that because they are not a debt collection company. Why would anybody pay a debt just because someone else told them to? Is it my right to get proof of debt that I have known knowledge of? Ive tried everything to get their attention, and they wont help me with this! They have also re-aged my account on my credit report, so my accounts all tanked!
Product: Bank account or service

On XXXX XXXX I made a payment to Bank of America from my credit union checking account 's onlne service ; the payment was a mistake and should have gone to a different institution. The BOA account I made the payment to was a closed account with a XXXX balance. I recently received my statement from the account I meant to pay ( different bank ) showing they did n't receive my payment, which is how I realized I made the error in my payment. At that time I called my bank to retrive the funds.My bank followed procedure to correct the situation but was told by BOA they could n't do it due to security reasons and would need me conferenced on the call. On the same day I also called Bank of America to see if I could correct the mistake from my end which resulted in over an hour phone call, multiple transfers ending in being told 'for security reasons I would need to submit a written request, preferably on personalized stationany ( I do still have a loan with BOA so it 's not like they do n't have my personal info to compare ). As of today XXXX XXXX, Bank of America has been contacted my myself and XXXX XXXX XXXX to try to retreive the funds of {$3000.00}. to no avail. Both attempts lead to over an hour on the phone with a mimium of XXXX departments who gave us basically the run around and finally ended by transfers that never went through. My bank will be contacting them again on XXXX XXXX to try to continue to retrieve my money but I am filing my complaint now as my past experiences with Bank of America has proved to me that they will not remedy situations unless promted by the federal government. Also, as both my bank and myself have already spent waisted hours resulting in different answers from BOA I have doubts that we will be able to resolve the problem on our own. For the record, XXXX different people had originally told me they did locate the payment received on XXXX XXXX, 2015 but that they did n't have the authority to complete the refund. Today when conferenced with XXXX XXXX XXXX Bill Pay department, the different dept of BOA could n't find the receipt of the funds. That call ended in the fifth transfer which terminated during transfer so no resolve. 
I would appreciate any help you can give with this matter.
Product: Mortgage

Nationstar Mortgage company has continuous stated that I owe a balance for XXXX 2015, XXXX 2015, XXXX 2015, XXXX 2015, & XXXX 2015. I have contacted multiple representatives and supervisors from the customer service department, fraud department, and foreclosure department. I have provided money order receipts for each XXXX of the payments they state I have not paid. Each time I have called, I owe a different month or it is under investigation. I recently received another letter stating that I have overpaid {$4000.00} in escrow and they were taking that money for my outstanding loan payment. I believe this company is acting fraudulent and trying to scam for extra interest or late fee payments. I have all letters, money order receipts, to substantiate my claims. I would like this matter corrected urgently. I am a senior citizen and this is my home. I rely on my limited income and I can not be threatened to be foreclosed on and my home taken away when I have sent them the proof that I have timely paid my mortgage.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  AND TRANS UNION...REFUSE TO EXCEPT MY DISPUTES. XXXX  REFUSES TO DO THERE JOB CORRECTLY VIOLATING MANY LAWS
Account name
XXXX
Account number
XXXXXXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXXXXXX
Account name
XXXX
Account number
XXXXXXXX  Account name
XXXX XXXX XXXX XXXX
Account number
XXXXXXXX
Account name
XXXX
Account number XXXXXXXX
Account name
XXXX XXXX XXXX XXXX
Account number
XXXXXXXX
Account name
XXXX XXXX
Account number
XXXXXXXX  ACCOUNT NAME
XXXXXXXX XXXX
Product: Credit reporting or other personal consumer reports

I file a complaint because I did not consent to, authorize nor benefit from any of the following inquiries or accounts. 

ACCOUNT NAME : XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX CARD XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$0.00} ACCOUNT NAME : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX All is being investigated by the FTC and CFPB. According to FCRA 605B this information must be blocked immediately until the investigation is over. Since 4 business days from receipt of this communication allotted under the Federal Law to block these entries, it should be understood that failure to do so within a 4 business days period after receiving this letter constitutes reason to promptly delete the information from my credit file. Refer to : ( FCRA USC s 168li ( S ) ( A ) ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Key bank keeps hitting my credit profile. Ive alerted them and been ignored. 
I pay on time and it clears on time. No idea why its ruining my credit. 
Ive had issues w key bank before. And dealt w XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and Im submitting this complaint myself and there is NO THIRD PARTY INVOLVED. I, XXXX XXXX, consumer and natural person, checked my email today on XX/XX/XXXX at XXXX XXXX  central standard time and discovered that TRANSUNION at XXXX XXXX XXXX in XXXX, PA placed a fraud alert on my credit report without my consent.
Product: Debt or credit management

In accordance with the fair credit reporting act this creditor has violated my rights under 15usc1681 section 602 states I have the right to privacy ( 15usc1681 ( section 604a section 2 ( it also states a consumer reporting agency can not furnish an account without my written Instructions under 15 uscs 1666b a payment on a credit card account under an open end consumer credit
Product: Student loan

I was told my recertification application was incomplete because I did not tell them the frequency which which I am paid ( weekly, monthly, biweekly, etc ). I uploaded documentation ( my paystub ) and indicated I am paid biweekly. Now, 3 weeks later and after the re certification deadline, I receive a notification that I they still need information on the frequency of my pay or else I will face an administrative forbearance/standard repayment plan. This is unacceptable as I documented each interaction with FedLoan and uploaded documentation, which is dated, to their online portal.
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit reports, I was surprised to discover that late payments were reported for an account in which I have never been late. As outlined by the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to maintain the accuracy and integrity of the information they report. My payment history for the account XXXX, account number XXXX, has always been timely and without issues. 

I want to make it clear that I am not requesting the removal of the account. My request is that all of my payments be updated to reflect the on-time payments I have made. The solution I am seeking is to have my payment history corrected so that it accurately shows that all payments were made on time, without any late marks. These erroneous late marks are negatively affecting my personal credit, and it is essential that they be addressed promptly.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISION or https : //www.ftc.gov to file a report and Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in the blocking of the erroneous information which is being posted to my report. 
Here is the list of items which do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$520.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$900.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX ) XXXX Balance : {$210.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$320.00} ; XXXX XXXXXXXX XXXX XXXX XXXX  XX/XX/XXXX According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had my truck financed through Nissan Finance, known as Nissan Motor Acceptance Corp. ( NMAC ). I traded the truck in to a 3rd party dealer on XX/XX/XXXX. Upon trading in the vehicle, I was informed not to make any additional payments and that the 3rd party dealership would handle the payoff. I signed a release of interest on XX/XX/XXXX. The 3rd party vendor sent in the payment which did not get to Nissan ( NMAC ) until the first week of XX/XX/XXXX. This caused a missed payment which was due on the account on XX/XX/XXXX. 

I called up NMAC explaining the problem, and requested to have the late payment removed from my file for the month of XXXX. They explained the process, being a written letter from the 3rd party dealership explaining the circumstances of the missed payment. I obliged and contacted the dealership, having them send in the letter and a copy of the release of interest. The letter was immediately denied by NMAC as it did not conform with the " verbiage '' needed in the letter. I called and spoke with a manager at NMAC about my dilemma, she expressed it should not have been denied and resubmitted it. Denied again. I spoke again with her, at which point she told me why it was denied, and how to correct it ( change the verbiage in the letter ). I did so, had the 3rd party dealership resend the letter specifically taking responsibility for the vehicle and the delinquency, and now get radio silence from NMAC. Delinquency still shows for the month of XXXX.
Product: Credit card or prepaid card

On XX/XX/XXXX I filed a dispute of a charge by XXXX XXXX. On XX/XX/XXXX, I had purchased two XXXX XXXX shoes and a vintage coat for a total of {$490.00} using paypal credit. When I received the first pair of shoes, as all items shipped separately, they were obvious fakes, so I returned them on XX/XX/XXXX, out of pocket and return receipt requested because the company states they do not accept returns. The company continued to try to ship both shoes to me and I refused all following deliveries with XXXX from the company. I received notice from the company that the coat was no longer available, and they would refund me for this item. 

I have sent paypal a copy of the receipt from the post office. I've tried to forward the emails from the company about the coat, and confirmation that the shoes could not be delivered, but paypal does not accept .doc files. I tried copy and pasting all this info into their message center, but their message center does not work properly. I have contacted paypal numerous times about this issue. On XX/XX/XXXX, paypal closed my case, stating they had decided in the vendors favor. 

I appealed the case the same day, talked to a XXXX from the resolution center, who helped me upload the receipt for the return again. Paypal is aware that I have none of the items purchased in my possession. I've just on XX/XX/XXXX received notice from the by email that they have closed my case again, per my instructions. I have never instructed them to close the case.

Paypal has stone walled me at every point about this dispute and it is clear that contacting them again will be fruitless.
Product: Debt collection

This number calls me on average 4 times a day. So far today, they have called me at XXXX, XXXX, and XXXX. This is ridiculous. There is no reason they should be calling 3 times in just over an hour. They need to leave a message instead of calling like this.
Product: Credit reporting or other personal consumer reports

A payment was made to XXXX XXXX in XX/XX/2022 for {$1400.00} for payment in full. I have a copy of the cleared check. The account still appears on my credit as unpaid. I have made several calls and filed disputes with the bureaus to which they reply it is unpaid. I have sent copies and they still refuse to remove this account. Clearly a violation of the FCRA, not to mention the attempts to collect on a debt paid 2 years ago. I would like this completely removed from my credit as it now has caused issues with my score and prevented me from obtaining other new lines of credit and as a young professional now is the time for me to be building my credit
Product: Checking or savings account

I filed a debit card dispute on XX/XX/2023 after being denied access to dispute the claim due to multiple attempts by me to file the dispute. Bank of America is refusing to provide the regulation XXXX required provisional credit. It has been XXXX business days and I havent received a provisional credit and the claim is pending to be closed in 60 days per representative at Bank of America. Please see attached picture
Product: Checking or savings account

on  XXXX    XXXX   Navy Federal Credit Union  withdrew  {$590.00} from my checking account unlawfully. These funds were protected funds from Social Security. at the time i only had 2 months of protected funds available in my account
Product: Student loan

I am writing this in extreme frustration of Navient, formally known as Sallie Mae for their vicious and repeated robo calls during the tenure of my payback period. I have been repaying my loan to Navient for several years and on several occasions, if only a day late with the nearly $ 400 monthly payment that I was required to make, I would receive repeated calls ( up to 6x a day ). These calls would all be robots, all from different random numbers and states, all with no one to talk to, including repeated calls to my co-signer. Navient is the only loan servicer that I deal with that has displayed this type of what I consider industry misconduct. The calls are harassment, and ineffective ( there is never s real person on the line ) I am apparently unable to remove myself from these calls, and no way to negotiate an affordable payment. Navient has repeatedly refused to lower my monthly payment, so there were occasions I would be late ; which is why they would justify these repeated calls. I ultimately had to take out a loan to set up a recurring payment to keep it under control, so the calls and harassment at this time has haulted. Unfortunately I was forced to do this because I had no other way of catching up. I want to flag Navient for potential loan seekers or even those who are currently dealing with them. Stay Away if you can.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2019, I applied for insurance through XXXX XXXX. I was told by the rep that Lexus Nexus had reported incorrect information pertaining to insurance with XXXX as they report I just started with the company but, I have over 6 years of service with the company. I have good credit, never had any accidents in my life ( at fault ), never had a traffic ticket, and, on my way in two months of finish the XXXX XXXX. I am a victim of fraud as listed on my credit report and I never knew Lexus Nexus was a credit reporting agency until that date with XXXX XXXX ( getting a quote ). This is not fair an this company is responsible for updating their information. This company is costing me thousands of dollars with their false and misleading reporting.
Product: Credit reporting or other personal consumer reports

I have sent letters since XXXX  and between XXXX to have them correct information on my report. Such as name, loans, accounts that do not belong to me. Inquires that were not pulled by me.Incorrect address. There are names and addresses on my account that I have never known before. I tried to dispute it several times and they denied me.i was even a victim of fraud.
Product: Mortgage

On XX/XX/2019, I received a notice, dated XX/XX/2019, that the servicing of my mortgage loan was being transferred from XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, WA XXXX to LoanCare , LLC XXXX. XXXX XXXX XXXX XXXX, VA XXXX. 

I never agreed to do business with LoanCare , LLC and have been reliably making payments on my loan through XXXX XXXX XXXX online form. 

It seems that as a result of this action, which was not initiated by me, I now need to change how I make payments on my loan. 

The notice only included information about the address and phone number of the new servicer, but no information about the website. 

On calling the new servicer, their automated system did not recognize my new loan number or SSN. I waited on hold for over 30 minutes. 

The automated system told me to go to www.myloancare.com. When I tried to register there, the system told me that my SSN was invalid. 

This may seem like a small incovenience, and I'm sure these companies do much worse things to consumers on a regular basis, but I have several children and work full time so I don't just have hours I can spend changing my loan payment information at the whim of a company I've never heard of. I used the time I was on hold to write this complaint. 

If they aren't interested in making it easy to pay my loan, maybe they should just forgive it!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sold my Crystler Capital lease to XXXX on XX/XX/2021. After that, XXXX delayed sending the payoff amount to Crystler Capital which I was not aware of. When XXXX finally sent the final payoff amount, it was XX/XX/2021 but by that time I was already charged for late payment for the month of XXXX. This dropped my XXXX score by roughly under XXXX points. 
I called Crystler Capital to inform about this issue once I found out. They requested a fault letter ( attached below ) from XXXX saying the vehicle was not in my possession post XX/XX/2021 and the reasoning behind their delay. I had to physically go to XXXX more than 3 times to get this letter done and had multiple iterations to update based off of what Crystler Capital wanted to be written on the letter. 
Once the final iteration was completed after XXXX included all the information that Crystler Capital asked for, they still said it wouldn't work and they wouldn't fix the credit reporting. I have spend 2 months on fixing this issue and tried to include all the information that Crystler Capital asked for but yet they still said they wouldn't fix it at the end which is tremendously frustating. Especially since how significantly it effected by XXXX score. Crystler made me go through all the hassle to have XXXX prepare the letter just to say they wouldn't fix the issue even though they said they'd fix the reporting once I had the letter from XXXX. I know Crystler Capital has mostly one start reviews and this was just a prime example of why. 
I have been emailing all the information to a personnel, XXXX who was handling the credit information to Crystler Capital credit department. She only called after each email to add additional information that they'd require but never responded to my emails due to legal restrictions according to her. It has been months since my credit has been effected by this but I was unable to get any help in fixing thing from Crystler Capital even though it wasn't at my fault. 
XXXX has been compliant in getting the letter written but again, it was XXXX 's delay that led to the negative affect on my XXXX score. 
This delinquency was only reported to XXXX and not the others which was also a little bit strange. So I am hoping this get resolved soon as I have filed a dispute with XXXX. 
I have also attached below the letter I have sent to XXXX for the dispute with all the related information.
Product: Credit reporting or other personal consumer reports

When I investigated my credit report, I realized that some of the information was erroneous. The 3 credit bureaus are required to authenticate the accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat the reporting account as unconfirmed information without producing proof within the legal time range. 
US DEPARTMENT OF EDU XXXX Balance : {$4400.00} ; US DEPARTMENT OF EDU XXXX Balance : {$9600.00}.