23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

In XXXX XXXX, I was trying to pay my rent. I went to a XXXX XXXX ATM inside of a grocery store to withdraw {$420.00} from my Navy Federal checking account when I tried to withdraw the money from the ATM the ATM slot that dispenses the money broke and it would not open so that I can receive my cash and the withdrawal balance had already came out of my Navy Federal account. I contacted both schools first and Navy Federal and immediately disputed the charge, Navy Federal then credited my account with a {$420.00} temporary credit until they could investigate the incident. After the investigation was complete, Navy Federal then wrongfully decided that I benefited from the transaction when I in fact did not benefit from the transaction and they took the {$420.00} credit back which I had already used to pay my rent so now my account was at a - {$420.00} when it shouldve just been XXXX so they were asking me to pay them back the {$420.00}. I was unable to pay them back the {$420.00}. They called my phone multiple times asking me to pay back the negative balance and when i went to the bank in person they asked me to just pay back the negative balance after they wrongly accused me of lying about my malfunctioned ATM withdrawal I am impoverished and I can not afford to pay them back I believe the account went to collections, but the claim was never settled, I disputed the claim as many times as I could before they just closed me claim altogether and I believe Navy Federal was very negligent and wrong for denying my claim of {$420.00} after I went back-and-forth with the banks for months and in person and over the phone through emails through messages, Anyway I could contact them about the decision they made about my claim being that I benefited from the transaction made on XXXX XXXX XXXX of withdrawal of {$420.00}
Product: Debt collection

i was renting spot from a man to open a XXXX i pay him first month and a deposit i start open my place on the first month from the first day to the XXXX of the month my place was stolen five times they make me going out stock less in a month i have to move out and lost the place because i cant keep up now the landloard report me to the agency XXXX dollar dont know why kindly asking for help with this man please
Product: Credit reporting or other personal consumer reports

Noticed late payment on account due to billing error. I have never been late on this account ( XXXX XXXXXXXX XXXX # XXXX XX/XX/2024 ), disputed with all three bureaus, XXXX deleted the negative and updated the account to paid as agreed however the other XXXX, transunion and experian did not. 15 U.S code 1681 ( b ) credit reporting agencies must assure maxmium possible accuracy of the information I believe this is being violated. If proof can not be provided I demand these payments being updated as paid as agreed on time. In addition all three consumer reports must report accurate and same information across the board which mine does not with the deletion on XXXX but not Transunion or XXXX which is a inconsistency.
Product: Credit reporting or other personal consumer reports

My account with XXXX EXPERIAN XXXX was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment to be updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX EXPERIAN XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports
Product: Student loan

I wanted to attend XXXX  XXXX University, the day before move in they said I needed XXXX $ XXXX tried to apply for a loan but needed a co signer. My aunt co signed ... its been collecting interest since 2008. My student loan has now double, I cant afford to make payments and the only help they offer was to pay the interest that was still almost XXXX $ while the payment is XXXX $ a month. They also asked if I could get help with my payments. I just dont see how I will be able to pay this student loan off.
Product: Debt collection

After reviewing my credit bureau reports I discovered that a bank named Synchrony Bank has reported to the credit bureaus that I have an alleged debt owed to them in the amount of {$1500.00}. Synchrony Bank makes a claim to the credit bureaus that I opened an account with them on XX/XX/XXXX. This information is false. The credit bureau reports state the debt has been placed for collection on XX/XX/XXXX. No one has been able to tell me what this alleged debt is for or documentation containing my signature and the date of this debt.
Product: Credit reporting or other personal consumer reports

I have submitted more than XXXX disputes for these accounts with no resolution to date. The latest XXXX being dated XX/XX/XXXX. Per the FCRA as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and nonverbal per 15 USC 6802 and 12 CFR 1022.24 - Reasonable opportunity to opt out. Reasonable opportunity to opt out because I was never notified that my nonpublic personal information was going to be shared to nonaffiliated third parties. In addition, per all contracts that are currently held have this statement, 433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

Several other violations are occurring because of the information listed on my consumer report. As you can see in the attachment of the three credit agencies, must comply with, 623. Responsibilities of furnishers of information to consumer reporting agencies 15 U.S. Code 6801 - Protection of nonpublic personal information, [ 15 U.S.C. 1681s-2 ], 607. Compliance procedures [ 15 U.S.C. 1681e ], 15 U.S. Code 1681e - Compliance procedures, 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2, Opt-Out Requirement ( 15 U.S. Code 6802 ( b ) ( 1 ) ), 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, 15 U.S. Code 1681a - Definitions ; rules of construction, ( 2 ) Exclusions. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; 16 CFR 313Privacy of Consumer Financial Information and 313.7 Form of opt out notice to consumers ; opt out methods, the model privacy form was not presented nor made in clear and conspicuous manner, 16 CFR 433.3 - Exemption of sellers taking or receiving open end consumer credit contracts before XX/XX/XXXX, all contracts have this statement on them so it applies to them, and the Privacy act of 1974. The accounts across them are not accurate. Thank you in advance for deleting these accounts or be liable under, 15 U.S. Code 1681n - Civil liability for willful noncompliance and or, 617. Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ].
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX continues to report to the three major credit bureaus that I have an active and open mortgage account with them. This account was closed approximately a year ago. I reached out to XXXX XXXX XXXX at XXXX and was told that my request was sent to the XXXX XXXX department. He could not give me an ETA as to when they would follow-up with me. I spoke with him twice and sent two follow-up emails, again to no avail with an expect ETA or direct phone number for someone who could help me. 

Someone by the name of XXXX called me on XX/XX/28 and told me that I would have to dispute this through the credit bureaus and then he could look into it. He said that he sees that my account is closed but had no interest in seeing proof that this was last reported to the credit bureaus in mid XXXX. 
Why am I supposed to dispute it when XXXX XXXX XXXX XXXX is the one reporting this every month?!
Product: Credit reporting, credit repair services, or other personal consumer reports

On my Equifax report, there are multiple hard inquiries that I do not recall applying for. 4 to be exact. it goes in this order : XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX ( this one is also on my XXXX report ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( I 'm not sure what XXXX is ) XXXX XXXX, XXXX I have always been approved for the cards that I apply for. 
I have also had a cell phone financed through XXXX for over a year now, so I do n't know how that ended up on there. 
and XXXX XXXX, I have never heard of this company before.
Product: Debt collection

I sent the company a debt validation letter over 30 days ago and I havent received a response. The letter was sent XX/XX/2022.
Product: Credit reporting or other personal consumer reports

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my Transunion credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to 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: Mortgage

HomeBridge Financial Services failed to make my escrow disbursement for XX/XX/XXXX property taxes to XXXX County Tax Office. Since my loan is escrowed, my mortgage servicer has a duty to make timely escrow disbursements under federal mortgage servicing law. I received my first XXXX Delinquent Tax Statement XX/XX/XXXX and called HomeBridge immediately and was told that payment had been made on XXXX XXXX, XXXX in the amount of {$4200.00}. However, delinquent notices continued to appear and nonstop phone calls from 3rd party lenders regarding Texas Property Tax Loans. XX/XX/XXXX, and XX/XX/XXXX, I continued to make contact with HomeBridge hoping to find a solution to this embarrassing and most stressful enigma-only to no resolve. My loan was then transferred to XXXX XXXX as of XXXX XXXX, XXXX. After which, I received a Notice of intent to place a lien on my property for the delinquent taxes. If taxes remained unpaid, the lien may be foreclosed on. On XXXX XXXX, XXXX @ XXXX, I spoke with XXXX in the tax department and faxed delinquent statements to XXXX. I was asked to follow-up on XXXX XXXX, XXXX. I did so and was informed that on XXXX XXXX, XXXX a bulk check # XXXX was sent to my tax office in the amount of {$5300.00}. HomeBridge representatives has continued to provide me with false information and my property taxes remain unpaid. On XXXX XXXX, XXXX, I received a call from a HomeBridge representative regarding the situation and was told that I should have paid my taxes with the surplus check which was mailed in the amount of {$4100.00}. I explained that upon receiving the check, I made a phone call to ensure this was in fact payment being returned for escrow overage. However, the representative was very rude and told me HomeBridge sent that in error and I 'm now responsible for paying my own property taxes for XXXX. I explained that the amount sent was not enough to cover property taxes, penalties and interest. He stated " It 's not my problem. You 're responsible now and I do n't know what else to tell you. '' XXXX XXXX made the delinquent tax payment on XXXX XXXX, XXXX in the amount of {$4200.00} and {$540.00} for penalties and interest. As a result, my escrow account now has a shortage of approximately {$2000.00} ; which will cause my payments to increase monthly after they conduct an analysis. My wife and I have and continue to experience a great deal of emotional distress due to HomeBridge Financial Services ' negligence in maintaining the day-to-day management of our loan, including making escrow payments and in a timely manner. I feel that I 'm in this battle alone and fighting an undefeatable battle. I have never missed a payment and should not be punished for the negligence of my assigned mortgage servicer. HomeBridge Financial Servicers has not accepted responsibilities of their actions or lack of. They 've continued to provide me with false information and there 's very suspicious activity regarding payments received and reversals on my transaction statements since the refinancing of my property XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

I looked at my report back on XX/XX/XXXX, and noticed some things are incomplete and not accurate. I sent a letter to Experian and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix nothing. There are breaking Federal law According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

According to 15 USC 1681 ( 5 ) it states this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( i ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

This is unfair and if they are doing this to me imagine who else they are doing this too. Can you fix it.
Product: Credit reporting or other personal consumer reports

I have submitted multiple complaints and disputes regarding these issues and nothing has been taken care of. I have repeatedly stated that this information is inaccurate and fraudulent. 
Name of Account : 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

n accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 reported XX/XX/2019 Identity Theft / Fraud where someone opened up a credit card with my personal information at WELLS FARGO. Wells Fargo approved this card. It was opened XX/XX/2019 while I was outside the country. Amount {$17000.00} is the balance owed on this card. Whoever opened the card paid 3 months which were XXXX XXXX and XX/XX/2019 then defaulted in payments. That was how I found out when it showed up on my credit report and my entire credit was destroyed. 

I have been back and forth with Wells Fargo for 3 months now and my last call I was refused an update and told to go to a Wells Fargo branch to find out new information, if any. 

I want this dispute resolved and removed from my credit report so that my credit returns to excellent. 
Please help, thank you.
Product: Credit reporting

The original Creditor had refused to close account and illegally charged late fees etc. This account has been paid in full and should be immediately be removed from my credit report. I have reached out to the Transunion on several occasions to have this issue resolved with no luck and lack of response.
Product: Money transfer, virtual currency, or money service

I deposited a check into my account in which I was told to do so by the program who gave me the the check.My check is being held because the bank cant get in touch with the bank who issued the check.The funds are available but theirs a restriction on my account that I asked to be released in which they havent done!
Product: Credit card

On XX/XX/2016 my payment to Chase Bank 's Credit Card department was posted to my checking account. This transaction typically takes 2 to 3 days to post on Chase Bank 's side. For some reason beyond my control, this transaction did n't post on their system until XX/XX/2016. Chase assessed a late fee, which increased my minimum payment. In XX/XX/XXXX, I made the same payment as in XX/XX/XXXX not knowing anything had changed. Chase assessed an additional late fee. In XX/XX/XXXX I contacted them and disputed the charge. I 'm well within the 60 day window for such issues. They agreed to waive the late fees. In XX/XX/XXXX, I was assessed another late fee for not making my minimum payment ( which I did ) because Chase only waived XXXX of the XXXX late fees. Thus my account was not made whole and I continued to be erroneously deemed 'delinquent ' in my payments. I called yet again and they were unwilling to live up to their previous agreement and insisted on continuing to charge me multiple late fees. I am paying off my balance ( minus these erroneous fees ) and closing this account immediately.
Product: Credit reporting or other personal consumer reports

I noted a XXXX XXXX loan on my credit report which I did not recognize. I contacted the company and they claimed somebody was making payments for almost a year. I asked them to look into who is making these payments and who open the account since it was not me. They have not gotten back to me
Product: Credit reporting or other personal consumer reports

From XX/XX/XXXX to XX/XX/XXXX, I reached out to Equifax, XXXX, and XXXX, asking them to investigate Account Name : XXXX XXXX XXXX XXXX, Account XXXX. They claim to have done their due diligence with their investigation, but there are still multiple inaccuracies across all three consumer reporting agencies ( Equifax, XXXX, and XXXX ). These inaccuracies are highly injurious to my credit report and my credit score. In accordance with 15 USC 1681e : Compliance procedures subsection B " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Listed below are just a few of the inaccuracies. 

Highest Balance : XXXX- {$5000.00} Equifax- {$3500.00} XXXX {$5000.00} Date of Last activity : XXXX- XX/XX/XXXX Equifax- XX/XX/XXXX Transunion- XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

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
Product: Money transfer, virtual currency, or money service

PNC is prohibiting linking to 3rd party providers such as XXXX XXXX trying to deter alternative investment opportunities.
Product: Student loan

I am having issues with Edfinancial ( my federal student loan servicer ) crediting payments made on behalf of my employer through XXXX. 

XXXX pays {$100.00} a month to my student loans, which has been credited without issue until the last 2 months. Both the XXXX and XXXX {$100.00} payment is missing and I have contacted Edfinancial who will only tell me all payments have been credited. 

This is not true however, I contacted XXXX who said the payments were made as usual and they have reached out to Edfinancial. 

It has been over a week since they reached out and we have not heard back. 

I need help properly crediting these payments from XXXX on my student loan serviced by Edfinancial.
Product: Debt collection

I have received a call from a collection by the name of Cedar business services company to inform me I have a debt to be paid. I paid the debt off in total in 2 payments. This was my first time being informed that I had debt in a collection. The collection company stated once I paid in total this collection would go off my credit reports within 15 business days. I have also contacted XXXX university which is where the collection agency stated the collection came from and they stated that they had been in contact with me and I have not received any attempts to contact. The way this was handled my credit report is being affected and I have took all necessary action to correct this once having the knowledge of this matter. However, this is issues is still on my credit report and is affecting my credit score. I would appreciate if you guys would be so kind to assist with this matter. Any assistance is greatly appreciated.