23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, 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. 

XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX and Equifax has failed to provide any proof of verification of disputed accounts.

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. States a consumer reporting agency can not furnish an 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, and other adverse items 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 or other personal consumer reports

On XX/XX/XXXX, I requested the removal of all negative accounts and inquiries from my credit reports with Experian, XXXX, and XXXX, in accordance with the XXXX XXXX bankruptcy filed on XX/XX/XXXX. Please note that there has been no formal release of information or written documentation from the bankruptcy court regarding the discharge, as such documents are not available at this time. I kindly request guidance on the necessary steps to proceed with the removal of these items from my credit report. ''
Product: Mortgage

We closed on a conventional mortgage refinance on XX/XX/2021. Our previous loan servicing company, Dovenmuehle Mortgage, claimed to have processed our escrow account refund ( {$7100.00} ) onXX/XX/2021. We never received the payment and requested it to be re-issued on XX/XX/2021. We were told the re-issued payment would be received within 30 days. We never received the second attempt at payment. 

After approximately two weeks, we were told the check was cut and being sent out and would be received within 5-7 days. No check ever arrived. 

After numerous calls to their customer service department and getting different answers each time, we were finally advised on XX/XX/2021that our original request for re-issuance of the payment on XX/XX/XXXX was still being processed and they had 60 days in which to do so. I asked to speak to a higher level supervisor and was told that request would take 5-7 business days. I was also told all other information provided to me prior to this call was incorrect and they didn't know why I was told what I was told. 

Dovenmuehle refuses to issue the refund in any other manner than a mailed paper check. I asked for proof that a check was even actually mailed initially and they were not able to provide that information, suggesting that it was still only being processed and not sent out after the 20 days required by law.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and/ or credits. This issue aligns with the recent CFPB findings against navy federal for similar practices where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

Received this letter from Diversified DCI Consultants, Inc. Regarding this Debt that does not apply to me in the amount of {$2200.00} have received this letter twice requesting to remove from my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the information that I sent to XXXX XXXX  on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX My credit report shows that I have an account with late payments. I do not believe this is accurate, because my own accounting shows that I was not late on the following dates XX/XX/XXXX, {$200.00} was paid on XX/XX/XXXX. XX/XX/XXXX was paid on XX/XX/XXXX in the amount of {$200.00} and XX/XX/XXXX was paid on XX/XX/XXXX in the amount of {$200.00}. 

XXXX XXXX replyed on XX/XX/XXXX that they received my correspondence to consider adjusting the payment history. And their reply was : We are contractually obligated to report your payment history as it actually occurred. Our review shows we reported your history accurately, therefore, we can not change your report.
Product: Credit reporting, credit repair services, or other personal consumer reports

ftc violation showing on credit report sent ftc and all required documents to have these accounts removed
Product: Credit reporting, credit repair services, or other personal consumer reports

There are accounts on my consumer report that are a result of identity theft. I did not provide written permission with a wet signature for these accounts to be reported on my consumer report. I recently contacted you to address this issue, and I am requesting that this information be blocked and deleted as soon as possible. Your actions have caused me significant XXXX  and financial stress by including items on my credit report that do not belong to me and for which I am not responsible. I am prepared to take legal action if this complaint is not handled appropriately. These fake, inaccurate, and fraudulent items appearing on my credit record have prevented me from purchasing my dream house and providing for my family 's needs.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit file has been compromised. Again, I was going through my records & noticed many items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA you are required by law to remove & block any items which are found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please block/remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX00}
Product: Checking or savings account

Good Evening- Per active hours my bank account does n't update fast enough. Also says my bank is n't fast enough updating my information. For example, today it says my bank account to too low, as in there is no money in my account, to cash out but I received my paycheck today and my bank account is. It in the negative.
Product: Checking or savings account

Reflecting money was available but it wasnt then accruing overdraft fees for using the funds that reflected available. This happened on several occasions between XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed all the way back in the XXXX of XXXX and have yet to receive any indication of my disputes being started. I feel like I'm being toyed with and ignored of my disputes. It's been over 45 days at this point and still nothing. If I'm not mistaken, if these inaccurate unverifiable items aren't investigated within 30 days they should be removed. I was also a victim of the Equifax date breach. Please resolve this in a timely matter. I will be attaching my original disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to remove address, inquiries and accounts that is UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove the items or information not later than 4 business days. Please remove the following items : XXXX XXXX XXXX XXXX, MA XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$4500.00} ; XXXX XXXX XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX  XX/XX/XXXX ; XXXX XX/XX/XXXX ; DPT EDXXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX  XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX.
Product: Student loan

I have attempted to make payments and stay current with AES/NCT ( National Collegiate Trust ) for years and have struggled. Each year my monthly payments rise significantly and this is to the point where I can no longer manage, I can not afford the current payment on my accounts with you all. I have more than one account with National Collegiate Trus totaling more than {$850.00} per month. This doesnt include my other student loans with XXXX XXXX and XXXX XXXX. In total I pay over 1,000 monthly to keep current with all my loans. The only lender who will not work with me and lower my payments to a reasonable amount is American education services and National Collegiate Trust the actual owner of the debt. I have called, written, begged, cried and pleaded with both companies and no one will help me at all. I am asking for a lower payment so I may pay, Im not trying to get out of my obligation, I just want to live and pay rather than giving you all my income and not be able to survive. Please review my accounts I pay {$590.00} alone on one AES account. This is the highest monthly payment I have out of all the loans and the one that I can no longer pay. my account is delinquent now and I call you all the time trying to get a lower payment. I have this account and my other account in my dads name ( XXXX XXXX XXXX ) with me as the co lender on that one. I currently paying XXXX $ on the account with my dad and XXXX $ on the account I spoke of earlier. I cant have a home, car, or cell phone because all take all my money and I cant do it anymore. I have contact NCT for a lower payment I have written my federal and state legislators. Why wont you all work with me and lower my payment. I dont want to be delinquent, I want to pay please make it so I can by making my payment reasonable. I literally dont have the amount youre asking for and have sold everything of value to stay current this long. I am asking you to please look over my account and allow me another option. My hair is failing out I cant eat cause I have no money so Im looking all sickly. All because I went to college, please help me. This is America, You all took away my American dream now Im just asking for a little of my life back. Please lower my payment, I want to pay but I cant pay what you all have me paying now. Account # : XXXX XXXX account # : XXXX
Product: Student loan

I have two loans that qualify for PSLF, but only one loan was actually discharged while the other still continues to accrue interest. No explanation was provided by MOHELA. 

When I called MOHELA and navigated the company 's automated phone menu, the system reported that I submitted my PSLF form on XX/XX/XXXX when I actually submitted it on XX/XX/XXXX. I tried to select the option to speak to a representative, but the automated phone system just sent me in a loop back to the main phone menu.
Product: Payday loan, title loan, or personal loan

I contacted affirm 3 times regarding my refund for a loan for an order I placed via XXXX XXXX  with affirm. The order canceled and I was sent a partial refund to my bank account and the other half via the mail. I was told it would take 7 to 10 days to recieve this check in the mail. It is day 13 and I still have not received my refund. I contacted Affirm via phone on XXXX XXXX XXXX and was told to " wait a little longer '' and if I not receive my refund to contact them on Tuesday and they will " escalate '' my claim. I contacted Affirm again XXXX XXXX XXXX and again I am being told to " wait a little longer ''. It didn't take 30 days for them to recieve my money and had I not gone through Affirm to pay for my order I would've had my refund already. XXXX XXXX said I had waitb14 days and then he said 2 days. I keep getting blown off. I am tired of the constant run around and being met with grief and people 's attitudes when I just want my back
Product: Credit card

I closed my credit card account with Citi in XX/XX/2016. They even issued a refund check for the membership fee. To my surprise, i got a call from collection agency today letting me know that i am past due on the account. I login to my citi account and see that i have interest fee charge, late fee for 2 cycle. How is it possible when i closed the account? The interest charged was dated XX/XX/XXXX. I dont even have my credit card number anymore because i already shredded the card XX/XX/<YYYY>. I closed the account because the unsatisfactory customer service i received from Citi. Mind you i had Citi prestige card for several years and paid {$450.00} annual fee.
Product: Credit reporting or other personal consumer reports

I checked my credit report and found accounts that i didn't recognize so i disputed them and they came back verified and accurate with no documentation provided that actually says the accounts are mines. My information was actually involved in a data breach and i filled out a ftc report due to the fraudulent accounts and 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  which i will attach here. This agency is in violation of 15 USC 1692g section 3. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint against Equifax due to failure to investigate fraudulent credit inquiries on my credit report. I sent a Multiple Inquiry Removal Letter on XXXX XXXX, XXXX by certified facsimile in order to dispute information, in regards to the several inquiries that I have listed below. I recently spoke with a rep from Equifax regarding this same issue and the rep placed a fraud alert onto my credit report and I was told to file a police report also regarding the fraudulent credit inquiries to have them removed. Even after the fraud alert several fraudulent credit inquires appeared on to my credit report which led to myself filing a police report in which I attached a copy to go with the Multiple Inquiry Letter showing the credit inquiries that I stated that were not factual. They received those forms on XXXX XXXX, XXXX. I received a computer generated response from Equifax dated XXXX XXXX XXXX in the mail on XXXX XXXX XXXX telling me that Inquiries are a factual record of access. If you believe these inquiries are unauthorized contact the creditor According to the FCRA rules, FCRA 623 ( b ) ( 2 ) and 611 ( a ) ( 1 ), it states that any information can be disputed and MUST be investigated and if you do not investigate and respond, the CRA must delete the disputed information from its files. The fact that I received a response in 7 days after the receipt of my certified facsimile, one can assume that there was no investigation into the matter. I plan to purchase a home in a few months and having this many hard inquiries on my credit report display as a sign of financial trouble, when this is not the case. I am filing this complaint due to lack of investigation into my original dispute for hard inquiries that does not belong to me. I did not sign for anything and I do not have accounts associated with those inquiries. This is unfair practices by a credit reporting agency with no concern for the credit worthiness of a consumer.
Product: Credit reporting

I had a XXXX credit card stolen XX/XX/2007. They are reporting inaccurate information to XXXX credit bureaus. Equifax and XXXX. I have made numerous attempts with both XXXX which is now XXXX and the credit bureaus. XXXX is the only one reporting accurate information. I have asked XXXX to provide the documentation to support the information being reported and they refused. Telling me they had no legal obligation to do so. This file is way too old to even be on my credit file.
Product: Credit reporting, credit repair services, or other personal consumer reports

I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX  XXXX ... AFNI ( Original Creditor : XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX XXXX Original Creditor : XXXX  XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
Product: Mortgage

During the month of XXXX we were working with our current mortgage company, Freedom Mortgage on a " streamline refinance ''. We were originally scheduled to close on XX/XX/XXXX. After minimal communication with the scheduled notary, they did not show up on the closing date. We planned the closing at the end of the month in order to keep the " cash to close '' low as we are already struggling financially. After multiple phone calls with both Freedom mortgage and the title/closing company ( XXXX XXXX  ) we were told we would close XX/XX/XXXX with the same numbers/amounts. Freedom mortgage could not get the documentation dates updated in time, so we then rolled into XXXX. Since in XXXX, the " cash to close '' amount went way up. We then requested assistance from both Freedom Mortgage and XXXX XXXX to help cover the " cash to close ''. After rescheduling to close on XXXX XXXX ( cancelled by Freedom ), XX/XX/XXXX ( cancelled by Freedom ), and now XX/XX/XXXX, neither Freedom mortgage or XXXX  XXXX will offer assistance in the extra XXXX $ we have to come up with for the current " cash to close '' amount. Multiple closing dates and " cash to close '' amounts were discussed over multiple phone calls and emails with Freedom Mortgage. Over the last 4 weeks, multiple people have refused to take our phone calls and/or refused to call us back with information about what was happening. Many people could not/ would not give a straight answer and many departments working on our loan were not reachable via phone calls. This is by far the worst experience and worst customer service I have ever had. As of no fault of our own, we now have to come up with money we do not have in order to close this refinance process.
Product: Debt collection

The following account is listed as Charge Off via all 3 Credit Reporting agencies. Please send a 1099c cancellation and remove this item from all credit agencies. I am
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear Consumer Financial Protection Bureau, To my surprise I have a late payment registered ( 3 days late, my payment was set to autopay by me, as always ) on my consumer report by XXXXXXXX XXXX XXXX, but I wasn't late nor have I ever had a late payment in my XXXX  years of life. 

This is causing significant damage to my personal life and may cause me to not find any housing and end up homeless. I have sent a handwritten letter addressed to XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

I have not gotten any progress. I kindly request that you aid me into investigating this issue, and help me get this fixed on my report. 

Kind regards, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax XXXX XXXX XXXX XXXX should not be reporting a collection/chargeoff in the amount of {$890.00} on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account was sold to XXXX on XXXX and therefore should be reporting a {$0.00} balance. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item should be removed. I have contacted the bureaus to remove this however, I have not been successful.
Product: Credit reporting or other personal consumer reports

I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible. 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. 15 U.S.C 1681 section 602 A. States | 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 an account without my written instructions.
Product: Credit card

In XX/XX/XXXX, I made a payment with bank debit card in the total promotional amount of {$960.00}. The promotion ended in XXXX, XXXX but I paid this amount to close the promotion. 

I noticed a charge on my bank statement which had a cryptic name which led me believe this may have been a fraudulant charge. I contact my bank that issued my debit card and they reversed the charge. I then realized it was then a real charge with Syncrony Bank, however, I never received the {$960.00} back in to my account. My Syncrony Bank statement shows it was returned to me. I check my my bank, and the money was never returned to my account. 

I have provided Syncrony Bank with copies of all of my bank statements showing I never received the money back in to my account. I called Syncrony Bank and told them I never received the {$960.00} back. I have been talking back and forth with Syncrony Bank from the beginning of XXXX up to today ( XX/XX/XXXX ). I received a letter from them dated XX/XX/XXXX stating my dispute was not in my favor and that they are putting {$960.00} plus interest in the amount of {$34.00} back on my account. My account had been paid off with {$0.00} balance before they added this charge on XX/XX/XXXX. 

I am at my wits end on how to get this solved. I have provided everything they requested. I have an excellent credit rating and would hate for them to do anything to lower my score. Any assistance from you would be greatly appreciated. 

My bank is XXXX XXXXXXXX XXXX and XXXX XXXX. Their phone number of my branch is XXXX. 

If there is anything else you need, please me know. I need to get this settled and just don't know what else to do. 

Thank you! 
XXXX XXXX