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

I have tried to contact TransUnion, XXXX, And XXXX concerning my credit report. They have told me there were nothing they can do. I have inquiries and accounts ( listed below ) that are not mines. Under the Fair Credit Reporting every violations ( listed below ) Im guaranteed XXXX per violation. The accounts that need to be removed are Both XXXX XXXX Bank and XXXX XXXX XXXX XXXX ( Both FIVE STAR ACCOUNTS ) its been passed over due and I paid the accounts in full and its closed I dont need the use of the accounts anymore. I want it to be removed. XXXX XXXX Account should removed its been closed and I no longer use of it and it needs to be removed. I have no knowledge of The XXXX XXXX  account and the XXXX XXXX Account and needs to be removed please. XXXX XXXX, XXXX XXXX Bank and XXXX XXXX needs to be removed due to no knowledge of my account. If they are closed they need to be removed. The inquires that need to be removed due to no knowledge of them are : 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 The violations that happened to me are 1 ) All Credit Bureaus are not updated on credit reporting. 2 ) Refusing to updated and removed false information from credit report. 3 ) Each credit Bureau have different information from one another. 4 ) I provided them with proof and they still refused to remove false information. 5 ) They did not take their time to go over my credit report. I have 5 violations that was done to me by TransUnion, XXXX and XXXX.
Product: Mortgage

I was a first time homebuyer in XXXX of XXXX. I received my first property tax bill on XX/XX/XXXX in the mail. Not knowing my mortgage company was paying this tax bill ( since I didn't remember about my escrow account ) I paid the XXXX XXXX XXXX XXXX XXXX XXXX bill the same day I received it in the mail. 

I submitted payment for this tax bill on the county website in the amount of {$2000.00} and received the payment confirmation via email ( attached to this complaint ) showing the amount went through and came out of my account. 

The mortgage company then submitted the tax payment in the amount of {$2000.00} to the county and received their money back as the county had already processed my payment. I have had 3 phone calls with the mortgage company XXXX Freedom Mortgage ) to resolve this issue in receiving my tax payment back to my name in the form of check, or even a one-time balance paid to my mortgage principal. 

All phone calls have led to them stating there is not a positive balance in my escrow account to pay me back ... That is because after the initial payment they made was refunded to them, they didn't refund my account. Nor did the reach out to send me my tax payment that I personally paid. 

They are refusing to handle this issue in the proper form of normal customer service. As a consumer of their product ( not by choice as my mortgage was purchased by them in XXXX of XXXX ) I feel they are holding my money that they were supposed to pay to their personal benefit.
Product: Debt collection

Franklin collection agency has put a collection on my credit. The collection is medical and, the law states that a medical charge can't be placed on your credit if it's over XXXX dollars and hasn't been 1 year since the medical bill was opened. They placed this on my credit 7 months after the account was opened instead of the year that's required. I disputed this and the refuse to remove the item.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax XXXX am submitting this CFPB Complaint for the 4th time to follow up the addressing of the specific inquiries in my file that have resulted from identity theft. I would like to dispute these inquiries as they do not pertain to any transactions I have authorized or been involved in, regarding the acquiring of goods, services, or money. I kindly request the Equifax Credit Bureau will remove and block these specified remaining inquiries as a result of the alleged identity theft I have also Attached a Idenity theft report In relation to the Identity theft : Equifax XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Once more, I am not familiar with these fraudulent inquiries, and I also have reservations about the accuracy of the information provided in some of them. It should be noted that certain inquiries have already been deleted by other bureaus, raising concerns about their reported history in accordance with FCRA Section 605B. I can not stress enough, that these inquiries are not mine nor did i give my written consent to furnish any accounts. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on multiple occasions to XXXX, Equifax, and XXXX. Here is my tracking number. It has been over 30 days and the credit reporting agencies have failed to send my investivation back. This isnt making any Sense. 

According to the law 15 U.S. Code 1681i - Procedure in case of disputed accuracy if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.
Product: Student loan

Hello, I believe that I was impacted by the allegations that Navient has misapplied my loan payments. I recently refinanced my loan, and in the process of reviewing the amount that I had already paid to Navient, I noticed that every payment I made in XXXX was applied to interest ONLY, not to principal at all. One of the main reasons that I refinanced is that I felt I could never make headway on my student loan balance, and upon seeing that my payments were never going to principal, I see why I could not make headway. The record is very strange, in XXXX I paid very little to interest, and then suddenly in XXXX, ALL of my payments began to be changed to being applied to interest ONLY, despite the fact that I was on an income-based plan both years. I found Navient 's website difficult to use, felt that they made their website difficult to navigate and obtain clear information about my payments on purpose, and felt that they are difficult to communicate with. Now I see that these problems advantaged them- I was not able to easily see that they were applying all of my payments to interest only. I have contacted Navient to ask them to change the application of these payments, but am unsure if they will be able to do so now that the payments are over 2 years old and the loan has been refinanced. This problem resulted in my paying over {$24000.00} in INTEREST ONLY to my student loans and {$0.00} to principal for the whole year of XXXX. I am furious. I am struggling and scrimping to pay off my student loans. I have been pouring every dollar into my loans and I am furious to find that Navient has been taking advantage of my increased ability to pay. 

XXXX
Product: Credit reporting or other personal consumer reports

RE : 15 U.S. Code 1666b - Timing of payments To Whom it may concern.. 

It is of utmost importance for the creditor to comply with each parameter established by the XXXXair Credit Act ( FCRA ) as mandated by law. As a consumer, I am exercising my rights to have truly accurate and verified credit.

In according to law 15 U.S. Code 1666 ( a ) ( b ) ( 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.

( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without incurring an additional finance charge, such additional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance chargefor the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

That said, I hold these creditors accountable under the Fair Credit Act. 15 U.S. Code 1666 ( b ) ( a ) Creditors : XXXX XXXX XXXX Account Number : XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX Account XXXX XXXX XXXX Payment late : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Please provide me with written proofs of the letters they sent me 21 days before the date on which the late payments were reported on each of the accounts mentioned above. It is your obligation to send me these copies because this is what the Fair Credit Reporting Act ( FCRA ) 15 U.S. Code 1666 ( b ) ( a ) stipulates. 

It is the obligation of creditors to provide me with written evidence.If the creditors can not provide me with proof of the written letters sent 21 days prior to the date on which the late payments were reported within a 30-day period, Include also, all the information required by Section 1637 ( 6 ) of Title 15. it is evident that they have violated the parameters established by the Fair Credit Reporting Act 15 U.S. Code 1666 ( b ) and I demand that the late payments be updated to positive or ND ( No data for this period ), otherwise I demand the immediate deletion of said accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and updated from erroneous reporting in my file are listed on my credit report : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX account number XXXX XXXX XXXX XXXX has violated my rights.

15 usc 1681 section 602 states I have the right to privacy.

15 usc 1681 section 604 A section 2 : it also states a consumer reporting agency can out furnish an account without my written instructions.

15 usc 1666b : A creditor may not treat a payment on a credit card under an open end consumer credit plan as late for and purpose.
Product: Student loan

My complaint was closed once more when I am not done communicating this issue- I submitted complaint XXXX regarding my student loans. In the response from Navient, it was stated a few things that I do not feel are accurate. I reached out in 2020 about my payment and not being able to make it- yes it was XX/XX/XXXX but what was offered to me in terms of repayment options? What was I told were my options? Please confirm the options I was given on XX/XX/XXXX because I don't believe I was offered any options. It was not officially announced that the COVID 19 was pandemic but I was without a job and had further issues finding a job at that time because it did turn into a full blown pandemic and even though it wasn't officially announced, I was offered no options other than repay or default. Please provide the options I was given in XX/XX/2020. Because I was told there were NO options other than pay loan or default. Secondly, it was stated there was an offer to postpone payments because of pandemic relief and that it was emailed to me several times. Please provide proof of this because I never once received these emails and if I had- I would have GLADLY accepted the offer because I had a hard time finding employment during COVID in 2020. Please confirm with documentation. Third, in my first initial complaint - XXXX, I was told that the forgiveness was a pilot program and that I would be offered it later on, in a few months once it launches fully. The last complaint stated that my loan- XXXX XXXX is not eligible for the forgiveness. Is the pilot program not about the school vs. the loan taken out? Why is my loan not eligible? My government loans were forgiven due to misleading and inaccurate information from the school so I do not understand how it went from I would be able to get the application in a few months to now my loan is not eligible. Can you please provide more context into why my loan is not eligible and confirm if the information in first response was inaccurate, where it stated I would get the application once the program is out of pilot?
Product: Debt collection

Due to the 15 plus years of computer hacking, Computer errors, with drawing funds out of my bank, trying to transfer money for my other credit card by Discovery Bank, I am now being treated for XXXX XXXX XXXX by the VA hospital. I have forgotten that Discovery took money out of my bank with out my authority almost causing me to bunch checks. And trying to transfer money with out my authority from my other credit cards. Telling me that the will have me jail if I do not pay them what they say. And now because I stop paying the illegal charges, over drawing, late fees transfer fees and others they are taking me to court.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity Please block this information from report XXXX Report Number : XXXX Account Name : XXXX XXXX XXXX. Account Number XXXX Date Opened XX/XX/XXXX Account Number : XXXX Date Opened XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX Equifax : XXXX Account Name : XXXX XXXX XXXX account number # XXXX dated open XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX File NumberXXXX Account Name : XXXX XXXX XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Number XXXX Date Opened XX/XX/XXXX Account Name : I XXXX XXXX XXXX  ACCOUNT NUMBER # XXXX DATED XX/XX/XXXX Account Name : XXXX XXXX  XXXX ACCOUNT NUMBER # XXXX XX/XX/XXXX XXXX  XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XX/XX/XXXX also address listed on my report ive never lived at XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX , GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, GA XXXXAPARTMENT COMPLEX XXXX XXXX  XXXX XXXX XXXX, GA XXXX  XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX  COMPLEX XXXX XXXX XXXX XXXX, GA XXXXSINGLE FAMILY XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX ive been attempting to clear my credit report of these fraudulent items as far back of XXXX and have not successful
Product: Credit card or prepaid card

I opened a credit card with Aspire around XXXX XXXX XXXX I was granted a {$500.00} credit limit. I was told my card would be sent to me in 7-10 business days. The days came and went I called on multiple occasions and did the online chat saying I never received it and they said they would request a new one. I was then charged a {$90.00} annual fee on the card with a payment due of {$25.00} on XXXX XXXX I was forced to add a checking account at sign up to make the payments for. I still hadnt received my card when the day of the first payment came out. I called and said I shouldnt be making payments if I havent had any access to the account at all. The lady on the phone agreed and said she would issue a refund by check for the {$25.00} and also try and get my card expedited. She said it would take 14 days for the check to come by mail, it is now XX/XX/XXXX and I have yet to see either of the two.
Product: Money transfer, virtual currency, or money service

Venmo is a scam as soon as I did receive money to my account they did freeze my account although before my account was verified with SSN and personal details I was asked to submit my ID document which I did! 
on the XXXX of XXXX I did receive an email that my account is now verified again and unfrozen I then received another transfer from a friend who send money for my baby shower party and tried to withdraw the money all the sudden ACCOUNT FROZEN AGAIN NOW IT SHOWS ON MY ACCOUNT I DID VIOLATE USE POLICY! WHAT A NONSENSE! VENMO SUPPORT ARE XXXX AS SOON AS MONEY GOES INTO AN ACCOUNT THEY BLOCK IT! 
VENMO STOLE {$3000.00} USD FROM ME. LAW ENFORCEMENT MUST TAKE ACTION AGAINST THESE SCAMMERS!
Product: Checking or savings account

Chase bank closed my account and will not release my {$12000.00} that is my balance. They started a case # XXXX ... .XXXX  is on the case the phone # is XXXX and her extension is XXXX. Chase bank will not release my funds to me and has closed my account. XXXX XXXX XXXX was given access to my account by me because we will be getting married in the future. He made the transfer by adding an external account of his. Chase bank will not give him back his funds or release them to me. XXXX XXXX XXXX ... XXXX
Product: Credit card or prepaid card

XX.XX.17 Several days ago I decided, for general security reasons, to change all of my User Names and Passwords for my credit card accounts. This morning I began systematically opening my online accounts to make sure that these changes had been properly processed and to make sure that these changes had not caused my " Pay From '' account information to be disrupted. When I went to my card 's Account Management page, I saw that the " last four '' of the two bank accounts I 'd linked to this site were in place. However, I was shocked to see that the full name of the bank in which these accounts are held was in full sight ( in capital letters, no less ) of anyone who might gain fraudulent access to this information. So now all a crook would need is the bank 's routing number ( universal for all 250 branches ) and the other 6 numbers of my account to drain my balance. Despite the fact that credit card issuers such as XXXX, XXXX & XXXX DO NOT PUBLISH YOUR BANK 'S NAME ONLINE, apparently XXXX is unable to figure out how to forego INFLICTING THIS ABSURD, TOTALLY UNNECESSARY, HIGH RISK PRACTICE ON THEIR CUSTOMERS! CONSUMERS BEWARE! CHECK YOUR XXXX ACCT ONLINE! XXXX  IS NOT SECURE!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

I've received a copy of my Transunion credit report and found the following items to be in error. I am being wrongfully denied credit due to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

TransUnion refuses to update my physical address. This is an ongoing issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Account Name XXXX XXXX XXXX XXXX XXXX ALREADY PAID IN FULL AND NEVER LATE, NOT MY DEBT This is XXXX XXXX false info below : Account Number XXXX Account Type Debt Buyer Responsibility Individual Date Opened XX/XX/XXXX Status Collection account. {$8400.00} past due as of XX/XX/XXXX. 
Status Updated XX/XX/XXXX Balance {$8400.00} Balance Updated XX/XX/XXXX Recent Payment - Monthly Payment - Original Balance {$8400.00} Highest Balance - Terms 1 Months On Record Until XX/XX/XXXX XXXX
Product: Debt collection

RENTDEBT AUTOMATED COL FCRA states information reporting has to be 100 % verifiable and 100 % accurate otherwise the information must be removed under federal law. RENTDEBT has been reporting unverifiable and inaccurate information on my credit which has damaged my credit. I intend to litigate if they do no remove this file from my credit report. I request for them to provide the written contract and physical documentation to support the information they are reporting on my credit report via the CFPB portal. Do not send screenshots. Do not send screenshot statements. Send my actual signature on a contract. As this debt is Not mine. 
Additionally, verifying this account through XXXX  violates my rights for a 100 % diligent and reasonable INVESTIGATION under the FCRA. If you verified this account through XXXX I request immediate deletion from all 3 major credit reporting agencies.
Product: Debt collection

I stopped paying my XXXX phone bill, due to non usage of the phone. I told XXXX that the phone had suffered damage and that I havent been able to use it correctly. This was back in XXXX of 2023. They wanted me to pay {$270.00} dollars, so I told them to cancel my monthly plan, that I wasnt staying with the company anymore. Well fast forward to today, they are still charging me. I have no desire to pay them, especially if I told them that after 6 years being with them, that I no longer wanted service provided by them anymore. That phone bill is too high, on top of that you are charging me for a service Im NOT using, for a broken phone. The the audacity.
Product: Student loan

My SAVE payment is incorrectly calculated, and has been despite multiple attempts to fix this. The current payment displayed by MOHELA is {$520.00}. This is the correct HOUSEHOLD total SAVE payment for the XXXX MOHELA has on file for me. It is not the correct SAVE payment for ME however, since my XXXX  has student loans also under the SAVE program, and we are married filing jointly. My wife 's student loans currently amount to {$10000.00}, and her INDIVIDUAL SAVE payment is {$32.00}. This means that my INDIVIDUAL SAVE payment should be {$490.00} and NOT {$520.00}. 

MOHELA has refused to correct this mistake despite multiple attempts via phone and email.