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

On XX/XX/2019 I received my return certified mail receipt back through the mail. XXXX and Transuion did not do a thorough investigation of the accounts that I had disputed which include XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was alerted through email that the investigation was already completed on XX/XX/2019. 

So, I am asking that XXXX and TransUnion under FCRA 611 ( a ) regarding erroneous item on our credit report involving a transaction with XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I was saddened to learn that you somehow verified the disputed item, electing to leave it on my report. 

I am absolutely certain that the item I disputed is incorrect and should be removed, so I am hereby exercising my rights under FCRA 611 ( a ) ( 7 ) to request a complete description of all methods used to investigate my aforementioned dispute. 

I am very interested to learn how your investigator ( s ) arrived at this erroneous conclusion. I would like to see a complete list of all documents and correspondence with XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX XXXX. Please include all names and contact information of employees that you spoke to as part of this investigation. 

I am asking for verification because my credit score is important to me, and I believe it is being unjustly degraded as a result of this unfortunate error. I would therefore request that you please do not send me a template letter in response to this request. I am in the process of planning a legal case, so I need specific answers to the specific questions asked of you in this complaint. 

I expect to receive a response within 15 days of receipt of this complaint, or I will expect to see the items in question permanently expunged from my record. 

Thank you for your prompt attention to this matter. I very much look forward to getting this resolved as soon as possible. 

Very respectfully, XXXX and XXXX XXXX
Product: Checking or savings account

AS of XXXX there is an amount being reported to the credit bureau of XXXX approximately as a loan in which I have not knowledge about. I requested a loan and was not approved. I paid off credit card which was pre paid in full along with the previous balance being a chargeback. his issue baffles me. So i have no idea what NFCU is reporting on my credit bureau. It seems this is against FCRA. Not to mention i never authorize payments. I do not owe ANYTHING to NFCU let alone a loan nor authorize any payments which is against my privacy rights. 

No actions have taken toward reconsiliation on this problem.
Product: Debt collection

In XXXX of 2024, I was contacted by American Coradius International, LLC via telephone regarding an outstanding XXXX loan debt purportedly owed. Despite repeated attempts over a week, the company persisted in its communication efforts. After speaking with a representative, I explicitly communicated my preference for all discussions about the alleged debt to be conducted through writing and for validation. 

During a particular conversation, a representative perused my professional website, seeking operational details such as business hours and work schedule. The representative stated that he would continue to contact me on my personal and business lines. 

On XX/XX/2024, correspondence was received from ACI indicating the existence of outstanding obligations from a previous XXXX loan XXXX XXXX XXXX XXXX XXXX. XXXX had been absent for more than three years despite diligent efforts on my part to establish contact and ascertain the status of my loans, including current balances. 

In response, a formal letter was sent to American Coradius International, LLC, outlining specific items to verify the debt 's authenticity, with documented proof required from the original lender. The letter was mailed on XX/XX/2024 and was received by ACI on XX/XX/2024. Despite my request, ACI persisted in contacting me via telephone. 

A subsequent letter, mailed on XX/XX/2024 and received by ACI on XX/XX/2024, reiterated the demand to cease all telephone communications without the requisite verification documentation. 

Regrettably, despite two formal written requests, American Coradius International, LLC has continued to contact me via telephone and has not provided any of the requested documentation. The company regularly calls from a different VOIP line each time.
Product: Mortgage

The broker and his supervisor are telling me they make the appraisal they send me a fake approval of the loan for {$97000.00} to pay off my loan with XXXX but the loan never was paid to XXXX. Quicken loan and XXXX intention is to keep the {$500.00}.
Product: Checking or savings account

On XX/XX/XXXX I transferred money from my Wells Fargo Checking Account to a savings account I also had with Wells Fargo. A few days later I logged back into Wells Fargo ONline to access my accounts and access the money I transferred and the money and the account were gone. According to Wells Fargo, they closed the account I transferred the money into the day before due to a {$4.00} overdraft. However the transfer went through and I have confirmation of it going through. Since then I filed a claim wiht Wells Fargo and have spent more than 20 hours trying to recover my funds. No one can tell me where the money is and whe it will be returned to me. As far a I am concerned the money is stolen until returned to me. 

On another, I realize the banks are not required by law to inform you if they are closing an account, but after 31 years of banking with them, I received no curtousy call or email notifying me of this closuer. They could have simply drafted {$5.00} from my checking to cover this over draft. Felling Helpless. The amount of the money is irrevalant to me, its the principle idea that they can do this.
Product: Payday loan, title loan, personal loan, or advance loan

PayPal credit 0 % interest, 6 months to pay : XX/XX/XXXX made 2 purchases at Lowes online. For a total of {$310.00} XX/XX/XXXX Returned items in person to Lowes, refund was issued for {$310.00} PayPal and Synchrony Bank show this refund. 

However, the refund was issued as cash into my PayPal account. 
Instead of cancelling out the original loan. ( XXXX XX/XX/XXXX ) This purchase is still showing up as special financing which means they are still looking to add interest if loan defaults. 

This is false, and not the way this should be accounted for. When a person returns an item on installment within 5 days, the installment/loan should be cancelled/refunded.
Product: Checking or savings account

On XX/XX/2021 i noticed there was charge of {$3200.00} from XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX XXXX, MD XXXX. I discovered the charge on XX/XX/2021 and l contacted my bank immediately telling them l do not know that company and l have never done any business with them. My card was blocked and a new one was issued, I disputed the transaction and bank of America which is my bank denied my claim. 

I XXXX the name of the merchant and l called them to let them know about their charges to my account, I was told their client made payment in their store by calling me to give them the card details, I told them that was a lie as l didn't speak with anyone in their company niether did l give anyone my card details over the phone. 

I need my money back because l didn't authorized that transaction and l have never done any business with the merchant and don't have anything to do with them.
Product: Credit card

I requested that Discover Card close my credit card account. They have not closed my card. It is still active.
Product: Student loan

I RECEIVED THIS LOAN FROM XXXX XXXX WHICH IS NOW NAVIENT. I HAS NO IDEA OF THE CHANGE UNTIL I APPLIED FOR IN SCHOOL DEFERMENT. I HAVE BEEN PAYING ON THIS LOAN SINCE 2010 AND I HAVE MADE NO HEADWAY IN PAYING IT OFF. I ALSO CAN NOT GET INFORMATION AS FAR AS GETTING IT FORGIVEN FROM THE COMPANY ESPECIALLY BEING THAT THE SCHOOLS HAVE BEEN CLOSED DOWN DUE TO FALSE ADVERTISEMENT PROMISING JOB PLACEMENT WHICH I HAVE YET TO RECEIVE 7 YEARS LATER. I WOULD LIKE FOR MY LOANS TO BE INVESTIGATED DUE TO THE FACT THE AMOUNT DOES N'T SEEM TO BE CHANGING AS I CONTINUE TO PAY YEAR AFTER YEAR.
Product: Credit reporting or other personal consumer reports

I pulled an XXXX credit report on XX/XX/XXXX and found that a negative factor was an account that was opened in XXXX XXXX for an original balance of {$430.00}. The report shows that it has a past due amount of {$170.00}. 

I contacted the named Account -Eastern Account System. They could not identify the service location or detail of the account. 

I contacted XXXX and discussed the issue with them. They could not give me additional information and asked that I send them a cover letter providing identifying information. They asked that I file a report with this Agency and follow up with XXXX and XXXX- which I did
Product: Student loan

I have been trying to update my legal name on my student loans for months, but my provider simply keeps stating that they need the legal documents to update my name. The issue is, I do keep providing them the legal documents needed, through their private mail, on their website ( through my personal account ), where they state to send the documents, but repetitively will not update my name. Instead, they will send an email a week or two later, stating that they havent receiving anything, and to send the documents. This has occurred at least 3-4 times, and it no longer seems that they will corporate in updating my legal name.
Product: Student loan

When my son entered college it was necessary to have a co-signer. The application indicated I would be the co-owner, which I had a problem with. The loan officer said I would not be responsible for the loan " that is just the way the form is created ''. I asked her if I could notate that on the Promissory Note with her name and she said yes. I wrote down everything she said and sign under the notation, not " on the doted line ''. XX/XX/XXXX my son stop paying his loans on a regular basis, then not at all. XXXX XXXXNavient called my phone everyday, so many times that I stopped answering it. In the beginning I would request a copy of the Promissory Note with my signature so that I could explain why I did n't feel responsible. Each time I received a copy with a computer generated signature. 
XX/XX/XXXX, I answered a call from Navient and tried to explain the extenuating circumstances under which I signed as co-signer and that I would be willing to help my son with his loans if they would just send me a copy of the original note so I could have for future reference if the calls started up again. Because she was collections, she said she would issue the request to Customer Services and if I did n't hear from them to contact them directly. I received another computer generated document and contacted Customer Services who inform me that sometimes these documents are lost. I learn last week that it is a Federal Law that the signature page must be provided upon request. I will probably need legal assistance because I kept my word and have paid on this loan for almost a year but I have never received the document I need. I am turning the responsibility back over to my son and hopefully, though doubtful, he will pay this loan. I still need the document to prove my claim but have been unsuccessful. Please help me obtain this document that I believe we help me clear my name. Thank you.
Product: Mortgage

I have a mortgage with Franklin American Mortgage Company. Related to my complaint is an insurance claim from hail damage to my home for which I am attempting to recover funds. I have endorsed and forwarded checks to Franklin American from my insurance company as well as all documents required. I have correctly followed the procedures required according to the website and the customer service representatives to whom I have spoken at Franklin American. After having my roofing job inspected for them, Franklin American still will not release the money to pay the roofing company. Currently, monies totaling {$7600.00} are being held by Franklin for both roofing and window repairs. Instead of only repairing the cladding to our windows which was approved by the insurance company, my wife and I decided to replace all the windows in our home at an additional cost to ourselves. Because the documentation for the window replacement exceeds the amount to repair the cladding approved by my insurance company, Franklin American told me that they can not release any monies to me until I pay my window contractor in full. 
Franklin American is making it nearly impossible for me to effect repairs and pay the involved contractors. Their information and requirements change each time I speak with them. 
This is the second time Franklin American has made me jump through hoops in order to collect the money they hold from my insurance company. The first time Franklin American retained funds was when my last house sustained hail damage. I feel unlucky that my current mortgage was bought by Franklin American on the secondary market. 
I am requesting that the CFPB look into the practice of Franklin American mortgage company keeping their borrowers ' insurance funds far longer than acceptable. I can only surmise that it benefits Franklin financially to retain my insurance funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting act XXXX XXXX XXXX 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 ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX ) ( XXXX XXXX XXXX XXXX IS THE ACCOUNT NUMBER IT WAS OPENED ON XXXX XXXX )
Product: Credit card

i was recently told by a letter from XXXX banks that all credit cards, such as XXXX, tjmax, lowes, sams club etc ... will be adding a XXXX fee for those whom do not do paper less. 

as well as increasing the interest to XXXX annual so my question is, what happens to those whom can not afford internet, or the elderly and those in remote areas that are not able to get internet... that was me last year, i had no way of getting internet .... 

is that not discriminatory. 


to force someone to go paperless.by adding a fee if not.
Product: Credit reporting or other personal consumer reports

I have a letter from XXXX and XXXX indicating they are deleting their unverified and illegal debt from my credit reports. I attempted to upload this to transunions website and can not. This is a critical document needed to support a fair investigation. 
I called them and was told to mail the document but this is time sensitive and their inaccurate reporting is directly and exclusively precluding me from obtaining housing which I can verify with written adverse action declinations from landlords. 
I requested to provide the document electronically to better accommodate my XXXX recognized XXXX and was again refused. They told me to use the federally funded CFPB to subsidize the workload and that you can provide them the document and thus, here we are, that's what I'm doing. 
I would also like to file a complaint against transunion for knowing reporting false information and intentionally impeding a fair investigation
Product: Consumer Loan

I have an auto loan that was paid off on XXXX/XXXX/2016 in the amount of {$14000.00} ( PAID IN FULL ). As of XXXX you are still reporting my paid off account as ( OPEN ) with a balance of {$14000.00}. This is incorrect credit reporting. Please update all XXXX of my credit reports XXXX as PAID IN FULL with a {$0.00} balance. 

As this is incorrect balance is affecting my credit rating.
Product: Payday loan, title loan, personal loan, or advance loan

I signed instalment loan documents and never received the proceeds. I am being charged daily interest on a loan I never received loan proceeds for ... this was supposed to be direct deposited. I contacted local office about 5 times and they had to wait for their corportate office which gave a vague, strange and incorect response asking me to take a trace number to my bank to see of my bank could find their deposite. By the way my bank XXXX XXXX XXXX XXXX at local office said that the response from Heights finance corporation was false and that the " trace number '' that was given as a solution could not be accepted at all. Thats how it is left. I signed loan, they got all my information, ran credit and the local office had no direct ability to talk to their corporate office. They have to wait for days for a response from corporate. By the time is over it may be several weeks if ever I receive loan proceeds. In the mean time I have to pay interest accrued on this loan, my credit score was lowered. The local office just tells me there is no solution, they have no ability to contact their corporate directly ( only by email and it takes a long time for a response ) > Company name Heights Finance ( local office in ) XXXX XXXX
Product: Credit card or prepaid card

I had a Chase Sapphire credit card for many years. After an experience with poor customer service, I closed that account in XXXX of XXXX. 

In XXXX of XXXX, Chase logged a new charge on the closed card/account and sent me a bill. This was an annual, recurring charge from XXXX XXXX, whose services I had stopped using. I had notified this XXXX that I was no longer using their services XXXX in XXXX of XXXX ), however, they submitted the charge to Chase anyway. 

Chase should not have honored a charge against an account that had been closed for 9 months. Indeed, multiple other vendors who were submitting charges on a monthly and annual basis contacted me to tell me that their charges submitted to Chase in the past 9 months Chase had been declined. Vendors with whom I still wanted to do business were moved to an alternate card. 

I spoke to Chase on the phone and they indicated that their policy was that customers are responsible for charges submitted after cards are closed. I have not agreed to those terms and this policy was not reflected in their interactions with my other vendors in the preceding 9 months. Chase offered to submit a dispute request with XXXX on my behalf. I do not think I am responsible for pursuing a dispute, as I am not bound by the fraudulent policy that they have outlined and which XXXX has taken advantage of.
Product: Debt collection

On XX/XX/year> I was called by XXXX XXXX XXXX once I called them back within a few minutes and they told me I have any outstanding debt with bank of America XXXX and they sent a settlement letter to my email XXXX and said if I didn't get on a payment plan or resolve this that they would be making a submission to XXXX  that could impact my ability to open any new bank account or debit cards and put it on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Equifax and  XXXX  Credit Repor t A 2 rel ated creditors are still listed/showing on Equifax Credit Reporting what were included in a Ch  XXXX  over 10 years ago. The creditor  ( s  ) Principal/Nationstar were included in case  XXXX  and should no longer appear as derogatory as appears now. I have attached court docs reflecting and have  XXXX   XXXX   XXXX   XXXX  Florida discharge documents as well to substantiate my claim.
Product: Credit card or prepaid card

I have had a Macy 's card since 2008. Unfortunately, I did not catch this fee, but they have been charging a credit pro fee on my account since I opened the card. I know that I never explicitly consented to this. I receive paperless statements and pay automatically each month so that 's why I did not see it. I have been charged $ 1.00- {$25.00} additional on each statement for the past 9 years!
Product: Credit reporting, credit repair services, or other personal consumer reports

The inquiries from the following companies were not authorized by me and or anyone representing. 

Companies : 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: Debt collection

Midland Credit Management is harassing me with repetitive phone calls even after asked to stop. They have called me almost everyday since XX/XX/2023, but always from an unknown/private number. The first phone call was answered on XXXX at XXXX. Advised the representative to mail documents pertaining to the debt in question be sent to the address listed on the account and not to call me again. I then received calls on : XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, XX/XX/2023 at XXXX, and XX/XX/2023 at XXXX and XXXX. I answered the second call on XX/XX/2023 and spoke with XXXX. I advised him that what they were doing was harassment. I had already spoken to prior representatives and told them to mail the documentation and to stop calling me. I also advised that the repetitive calls were illegal and I would be filing a complaint.
Product: Money transfer, virtual currency, or money service

Filing this complaint due to inadequate customer services and unfair practices, which violate CFPA. Their dispute resolution process was unfair, unethical, & deceptive. I seek appropriate redress for these violations, as well as others being violated with this issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

NCB Management is reporting to CRAs as an open Factoring Account. Attempts to remove this account, and the falsely reported information, have gone unanswered by the agency. 

On XX/XX/2020 and XX/XX/2020, letters were mailed to the agency 's XXXX XXXX XXXX , XXXX, PA XXXX address requesting validation, and I have not received a response from the agency validating any of the information that is being reported to the 3 CRAs Currently the account is being reported as an individual account/paid as agreed with additional annotations that it is a collections account.