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

Direct deposit from my employer of the last seven years for the amount of a little over {$3000.00} never processed.

Have automatic payments and am going to incur fees if they dont clear tomorrow. This is to include my car payment, car insurance, etc.

I have not received one email, call or text acknowledging the delay and an eta. These are funds that are my direct money.
Product: Credit reporting or other personal consumer reports

Two Navy Federal pledge loans were wrongly removed/blocked from my reports on XXXX XXXX XXXX I am authorizing and requesting that they be added to my report. 
I have called both bureaus multiple times to remedy this, but they have not offered any remedy. 
Please have this issue rectified and the accounts added back to my report.
Product: Checking or savings account

My bluebird bank account was permanently suspended I was so XXXX I didnt do any fraud or something bad, thats how they always block account there is fund in my bluebird account So I want them to unlock my bluebird bank account right now This my SSN XXXX
Product: Debt collection

date XX/XX/year> I receive a collection letter from Aaron Agency inc saying that I have to pay XXXX for XXXX XXXX that I did not do or use, the name is XXXX XXXX XXXX with account number XXXX, in the letter said that I own that money from XX/XX/XXXX XXXX but I did not use their services and I don't know why they charging me this money for something I did not use can u please help me
Product: Checking or savings account

I am a long term victim of id theft. This is onmy credit reports and Ive had to do other fraud claims with Wells Fargo they were excellent with no issues. The claim on question totaled a little over {$900.00} my entire XXXX check last month almost. At no time did I request the bank to issue what they say is a temporary credit to my account. The bank did that and made that choice. They GAVE me the money I did not request it. Further they never sent letters or status of the claim on previous claims an investigation usually take around 3 months Howevwr this one was completed in days. With no notice of outcome mailed to me. Further when my XXXX check went into the banks they removed the entire check due to theee reversal of the fraud claim. This is against federal law. My XXXX check is protected from any debt collections. The bank is allowed to collect an overdraft fee if I caused it per law. I didnt request the money it was given to me and I didnt reverse a valid fraud claim. I have called all the way to the executive offices they dont m know federal law and can not provide me with the evidence of me or someone I know using my card for a few months? Ok if they are looking at it and have it theres no reason it couldnt be show to me. They have violated multiple federal laws and left a XXXX man loosing his home no power and no food and they do not care
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been trying to submit my information to Experian, XXXX  and XXXX  and have not been able to get them to properly update my file according to federal law.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that is reporting inaccurately on my credit report. I have also submitted multiple reports regarding the account that needs to be updated. 
These companies have refused to do work on disputes even though they're required by the law to do so. 

Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account XXXX : XXXX Account name : XXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX the account # XXXX, account # XXXX, account # XXXX and account # XXXX violated my rights. 

15 U.S.C 1681 section 602 A : I have the right to privacy.

15 U.S.C 1681 section 604 A section 2 : A consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The unverified accounts indicated below continue to report on my credit report despite several written requests, in violation of federal law. I dated the previous letter I sent to the 3 credit bureaus XX/XX/22, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be authenticated ( A ). I will take legal action against the credit bureaus if they do not validate these accounts. Please follow the law so that this situation can be settled quickly. 


XXXX XXXX XXXX XXXX Balance : {$13000.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$210.00} ; XXXX XXXX XXXX  Balance : {$390.00}
Product: Student loan

Starting on XX/XX/year>, I called Firstmark Services regarding my payment not properly being applied to my loan on the online portal ; I was told that the date of repayment was wrong and began a month earlier. This was an internal system error that also caused my payments to not be applied to the correct date which has resulted in all my statements showing a " past due '' and " current amount due '' that is wrong ; I am unable to fix this, even if I pay the entire amount due- I've tried this and it did not fix the issue. 

Since then, I have repeatedly called Firstmark Services to rectify this issue, I've submitted tickets, escalated the tickets, and spoken with supervisors who told me that their team is working to fix it, but its been several months and the issue is no closer to being resolved. I had to personally call them to change the priority status of my loan or else it would have negatively impacted my credit even though its entirely their fault. 

I have been trying to refinance a group of loans including the one serviced by Firstmark Services since XX/XX/year>, the refinancing company I have chosen requested an updated statement showing {$0.00} past due ; Firstmark Services is unable to provide me with this since their system is/has been having issues. Providing a confirmation of payment and current loan statement for my Firstmark Services loan was not a sufficient replacement for this. 

Now on XX/XX/year>, Firstmark Services has still not fixed their internal system issue and I am still unable to get an updated statement with my accurate loan information.
Product: Student loan

I had a large student loan in the XXXX XXXX XXXX ( $ XXXX principal and $ XXXX interest ) as of the day interest and payments were to resume, serviced through Mohela. I made a XXXX time payment of {$1000.00} on XX/XX/XXXX to see how the money would be applied when I opted to lump sum to pay down principal/interest. This payment was misapplied towards future payments, not as a XXXX time pay down as I intended so I had to call Mohela to get it reapplied. This put some administrative flag on my account for them to make a correction on the payment. In the meantime I applied for the new XXXX program on XX/XX/XXXX to help with the large amount of interest I would soon be accumulating. I did this over the phone was told this should take no more than XXXX weeks to process ( even accounting for longer wait times ). In the interim I was placed on forbearance with interest still accumulating, but no payments due. XXXX weeks passed and I called Mohela to see where my application stood and what was taking so long- they were not able to tell me or give me a timeline. Several more weeks passed and same thing, no answer after I waited hours on the phone to get ahold of someone to talk to - there is no information on their online portal. Last week on XX/XX/XXXX I called again and was escalated to a manager who stated that it looks like they had not begun processing the XXXX application because they still had not corrected the payment from way back on XX/XX/XXXX and until that was corrected they could not transfer my loans to the XXXX XXXX  -- so a XXXX week delay on their end. In the meantime I have continued to accumulate interest ; more than {$4000.00} of interest (!!! ) all because of their administrative delays in handling a payment I made on XX/XX/XXXX. Nobody in their customer service will give me any information on when this will completed and they seem unable to grasp why I am furious that their delays are costing me thousands of dollars in interest while I am in this limbo of interest accruing forbearance instead of XXXX  like I wanted. Not to mention every time I call to speak to someone it takes XXXX minutes to reach someone to talk to. At the time of this writing my loans currently stand at $ XXXX principal and now $ XXXX interest with my XXXX application still in a pending status. And I have no timeline for when it will change. And Mohela will not accept any responsibility for being unable to process my loans in a timely manner nor for the unnecessary interest that I am now responsible for.
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there are still other accounts that need to be UPDATED. The 3 credit bureaus must verify these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that these disputed accounts get corrected 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 or other personal consumer reports

On XXXX XXXX I pulled my credit report from experian and XXXX and XXXX and noticed that the balance of my car loan with XX/XX/XXXX had not been updated since XX/XX/2023. I called XXXX XXXX and asked why are have they not updated the balance on my car loan with them since XXXX of XX/XX/2023 I asked them to please update the info with the correct balance as I am trying to buy a home. I was told that I needed to send a email to them to dispute the balance which I did. I have sent a email every month since the balance was updated in XX/XX/2023 when I filed a complaint with cfpb but has not been updated since. I reached out to them XXXXXXXX XXXX and was given the same information to send a email and I have not received a response or a update to my credit report. I have attached a screenshot of the balance on my loan with XX/XX/XXXX and a copy of my current credit report.
Product: Credit reporting or other personal consumer reports

This is my new complaint to address the incorrect entries on my credit report. I am disputing these items as they are unrelated to any transactions for goods, services, or money that I have made or authorized. Please remove all information from my credit file that has resulted from these erroneous entries : XXXXTransUnion XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These items are unknown to me and have been deleted from other credit bureaus. I have serious doubts about their accuracy, and the reported payment history on these items is baffling. As mandated by FCRA 605B ( c ) ( 1 ) ( C ), you are required to remove any items listed in ID THEFT REPORT # XXXX. This report was included in a previous correspondence, and I am enclosing it again. My attorney is aware of this situation and is prepared to hold you accountable for willful noncompliance.
Product: Credit reporting or other personal consumer reports

I have the following accounts as collections 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 First, I don't understand how these debt buyers are allowed to placed accounts not verified on people 's reports. Also, I noticed that the account numbers are the exact same on both accounts, from two different companies with two different amounts, which is alarming. This needs to be stopped.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX {$140.00} Choice Recovery- {$380.00} disputed with experian, XXXX and XXXX. fraudulent information on my credit report. They are in violation of the FCRA
Product: Vehicle loan or lease

On XX/XX/2019 I went to XXXX XXXX auto dealership, to find a vehicle, I applied on their application, they referred me to New City Funding for a loan, for the purchase of the vehicle, I was instructed to give. a {$3000.00} down payment for the vehicle, so I did, as we were going through the retail installment contract, I was instructed to initial certain areas not understanding what they mean all I knew was Im getting my car, after finally paying off the loan, I started to study new material, thus me learning that any dealership asking for a down payment in a consumer transaction is illegal along with a list of violations according to the truth and lending act. 

I was never given full disclosure that I had the right to rescind the contract which I have done, certified mail, with a copy of the contract, which is marked up with the USC violations and fines I have given them 20 days to respond and havent received any knowledge on the matter
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report tonight, and I have no idea how they got there. I always check my credit report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. I'm really worried about this and would appreciate it if the documents I submitted could be thoroughly reviewed to prevent this from happening again.
Product: Credit card or prepaid card

This is the 2nd complaint that I am having to issue through The Consumer Financial Bureau. 

Comenity Bank issued me a rewards points refund check # XXXX on XX/XX/2023 in the amount of {$110.00}. I deposited the check into my bank and the check did not clear their bank. I also have a {$640.00} credit on my account from an overpayment with them that I would like returned as well.
Product: Mortgage

On XXXX XXXX 2015, I contacted US Bank Home Mortgage ( my current mortgage company ) to refinance my condo with cash out for debt consolidation and home improvements. While speaking to my loan officer, XXXX XXXX, she assured me that because I was a current customer of US Bank that he process should be relatively simple- pending appraisal. After 4.5 months of being the process US Bank Home Mortgage denied my loan because they stated, " we let your credit report expire, when we re-pulled your credit report- you no longer qualified. '' During the months that I was in process at US Bank Home Mortgage, my loan processor-XXXX XXXX lied me to three times. In XXXX 2015, I was told that my loan was approved ; however, she was not able to close my loan because they did not have any closing times available. The second and third lie came in the beginning part of XXXX 2015 when I was told that I could not close because I needed an updated payoff from US Bank, which apparently took two weeks to obtain. 
I firmly believe that US Bank Home Mortgage dropped the ball on SEVERAL occasions in regards to processing and closing my loan. I do not believe that the company has proper processing systems and that they lie to customers to prevent them from looking elsewhere as was the case with my refinance.
Product: Credit reporting, credit repair services, or other personal consumer reports

Inaccordance with the Fair Credit Reporting Act XXXX has violated my rights in 15 u.s.c section 1681 sections 602, 15 u.s.c section 604 section A2 also states a consumer reporting can not furnish a account without my written instructions, they also violated my rights under 15 u.s.c. 61 81 section 611 5 the law clearly states if items are found in accurate or can not be verified the consumer reporting shall promptly delete the information from the file of the consumer .XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 or other personal consumer reports

I will like this item to be removed from my credit report.
Product: Debt collection

I received a letter from Law Offices of Mitchell D. Bluhm & Associations, LLC, on XX/XX/2022, that listed an outstanding debt with a company named XXXX XXXX XXXX XXXX XXXX I don't know who that company is or what services that would have been for, so I immediately sent a letter back to them with attached emails I had sent to a company named XXXX XXXX asking about a bill I received from them that I had no idea who they were or what it was for. I never received a response from that company after repeated emails to them. I asked them to send me detailed information outlining what the bill was for. I told them I would only communicate in writing. 

On XX/XX/2022, I received a letter from MBA stating that they had received my dispute but no one from their firm had reviewed the account, so they would inform me of the accuracy once they investigated. I have not received any response to that as of today. 

Today, I received a notification of this debt being attached to my credit report. I immediately called MBA and spoke with 3 different people after being transferred multiple times. I was told that they has mailed an invoice to me on XX/XX/XXXX, just one week ago. I explained that I had yet to receive it ( it's only been a week ) and so I still have no idea who the company is or what the bill is for. I am very upset that my credit now has a major negative report that I still have no information about. 

If this is a valid debt, I absolutely will pay it. But I still do not know what it is for. My understanding is that they must inform me of that before they can report it to the credit agencies. I am so angry that this is now going to have a significant effect on my credit report. My understanding of my rights is that they must give me the opportunity to review the information I have requested before submitting anything to my credit report. I will be submitting a dispute to the credit reporting agencies for this.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, According to the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) ( 1 ) ( A ) and 623 ( a ) ( 2 ), I am disputing the inclusion of incorrect and outdated personal information on my credit report. The inaccurate data reported negatively impacts my creditworthiness and violates my rights under federal law. Delete this from my personal credit report now! 

Incorrect DOB - 1980 Incorrect DOB - XXXX Incorrect Name - XXXX XXXX XXXX Incorrect Name- XXXX, XXXX, XXXX Incorrect Previous Address - XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, CO XXXX Incorrect Previous Address : - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX, CO XXXX
Product: Credit reporting or other personal consumer reports

This should be removed as of XX/XX/XXXX and it is still showing as of XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$5200.00} - - -No Data Account Information Address XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Phone ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type Revolving Account Loan Type FLEXIBLE SPENDING CREDIT CARD Date Updated XX/XX/XXXX Last Payment Made XX/XX/XXXX Pay Status >Charge-off< Terms Paid Monthly Date Closed XX/XX/XXXX High Balance ( Hist. ) High balance of {$5200.00} from XX/XX/XXXX to XX/XX/XXXX Credit Limit ( Hist. ) Credit limit of {$5000.00} from XX/XX/XXXX to XX/XX/XXXX month and year this item will be removed XX/XX/XXXX Payment History
Product: Credit card

Seventh Avenue is not reporting accurate payment and account information to credit bureaus. I have sent numerous emails and just logged on and sent an internal email. I owe nothing. And due to the hassle I will not be ordering from any Swiss Colony company on credit. I have paid every month. I am paid in full on my Seventh Avenue account. There are no statements on account since XXXX XXXX. Last order was XX/XX/XXXX and last payments XX/XX/XXXX. There are no statements with these payments on my account. I am missing the cross candles. The order was lost and I didn't find the order until after XXXX on rental office porch. Ruined my XXXX but I was honest and let them know I found this order. I had been credited the order. So, recognize I am a very honest person. Thank you XXXX XXXX XX/XX/XXXX I do not like to waste your time but seventh Avenue will not cooperate
Product: Debt collection

Account reported new on XXXX XXXX and reported delinquent on XXXX XXXX from Affirm IncXXXX XXXX XXXXXXXX, XXXX  XXXX, XXXX XXXX XXXX California XXXX XXXX ( XXXX ) XXXX, phone number is disconnected
Product: Mortgage

I have a mortgage with Nationstar Mortgages for a new condominium I purchased in  XXXX  of  XXXX . This loan includes an escrow account for taxes. Nationstar acquired the loan in  XXXX  from  XXXX   XXXX   XXXX . Neither of these  XXXX  companies have paid my town real estate taxes stating they will not due so because it is a new condominium and the tax bill is for   XXXX   of the  XXXX  units in the association. I have provided documentation from the town verifying the percentage of the taxes that my unit is responsible for. I have also asked that if they will not pay the taxes, that they refund me the escrow so that I can pay the taxes. Both companies have refused to do so. The town has said they are starting the process of placing a lean on the property. As well, there are over {$80.00} in late fees that neither company has been willing to pay.     I have close to   XXXX   XXXX    in  my escrow account. I have tried many times to resolve this and have had a least six phone calls and have sent letters to them, have sent them all the requested documentation, but they have not resolved this. In my last phone call on Friday,  XXXX   XXXX ,  XXXX , Nationstar said they would not resolve this until the next fiscal year in  XXXX , despite being aware the town plans to start the process of placing a lean on the property.
Product: Credit card or prepaid card

ON OR ABOUT, XX/XX/2019 MY CREDIT CARD APPLICATION TO HSBC BANK WAS WRONGFULLY DENIED DUE TO THEIR TOTALLY ASININE BELIEFS THAT MY MAILING ADDRESS COULD NOT BE VERIFIED. I HAD SUPPLIED HSBC A CURRENT COPY OF MY XX/XX/2019 XXXX PHONE BILL THAT CLEARLY LISTS MY VERIFIABLE ADDRESS, HOWEVER, HSBC STILL REFUSES TO PROCESS AND ISSUE TO ME A HSBC MASTERCARD.
Product: Credit card

I paid my credit card account {$9200.00} in full on XX/XX/2024. The payment was completed manually as I transferred money from my checking account to BOA My credit card balance was {$0.00}. Yesterday, on XX/XX/2024, BOA withdrew another full payment for the account in the amount of {$9200.00} once again by automatic payment. 
In essence, I paid twice for the same credit card bill. I called BOA to complain and asked for an immediate refund of the {$9200.00} that is owed to me. The bank refused a immediate refund and stated I would need to wait 10 days for them to refund the money that BOA withdrew from my checking account. This is BOAs fault and they dont need to hold my refund for 10 days.