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

On XX/XX/XXXX I sent Trans Union a certified letter requesting them to reinvestigate a Bankruptcy that appeared on my credit from XX/XX/XXXX. The letter was delivered on the XXXX of XX/XX/XXXX. Enclosed was new documentation that I had received from the courthouse and a vendor called XXXX XXXX that they use to verify bankruptcies. Back in XX/XX/XXXX I had done a dispute with XXXX XXXX in regards to the bankruptcy. On XX/XX/XXXX XXXX XXXX had determined the bankruptcy was unverifiable so they deleted it from their consumer report. They issued me a copy of there results in the first week of XX/XX/XXXX. I forwarded the two letters from XXXX XXXX and the letter that I received from the Courthouse. The letter from the courthouse stated that they don't release or give any information to third party companies. I rsent the letter from the courthouse because in late XX/XX/XXXX I spoke with 2 agents from Trans Union and they stated they spoke to someone from the courthouse but couldn't verify the person 's name, the time of day they spoke to them. When hearing this information I decided to request for a description of procedures and wanted a complete and full investigation done because they stated that they verified the bankruptcy on XX/XX/XXXX. In the first week of XXXX I received a letter from Trans Union, stating that they were not authorize to reinvestigate the dispute because it was previously investigated and that they only way they would reinvestigate is if I sent additional information and documentation. I was confused because I sent them additional documentation supporting evidence from the courthouse and the response from XXXX XXXX. I was also confused because the agents that I spoke to on XX/XX/XXXX told me that the bankruptcy was verified from the last dispute. I never received any dispute results, instead they only sent me a credit report. On XX/XX/XXXX I received a letter from Trans Union which was very vague. They only explained how general investigations work but never gave me any information related to the bankruptcy. They never provided points of contacts, dates that they contacted, who the contacted, or vendors that they used with there addresses. The only address that they gave was the courthouse address which I already know the courthouse is not responding to Trans Union. Trans Union continues to violate FCRA 609 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 1 ) ( A ), Section 611 ( a ) ( 7 ) and Section ( 5 ) ( A ). Firstly, the FCRA states that Trans Union must go to the Original Furinsher. They did not. They hired XXXX XXXX to do it. Now when XXXX XXXX says they are wrong and provides the correct, they still don't fix the problem. Lastly they continue to lie and say the courthouse gave them in information when the courthouse as already made there statement in a letter that I received. They don't even send out results anymore to me. Thus problem needs to be addressed and deleted. Right now it seems they don't have anything verifying it to me and they are using stall tactics.
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO, XXXX XXXX XXXX XXXX, XXXX XXXX, MO, XXXX XXXX  XXXX XXXX Balance : $ XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$320.00} XXXX XXXX XXXX XXXX Balance : {$7900.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Reports of said account is still being reported without being verified
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  and XXXX are reporting incorrectly that I am 120 days past due on several student loans with Navient that have a {$0.00} balance and {$0.00} past due. This is harming my credit score and it is obviously impossible to be past due on something that does not have a balance due.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was contacted by XXXX XXXX attorney to work out a payment plan. We agreed that I would pay it and I let the attorney know that Im doing my best during this Covid pandemic to pay my bills to please be lenient with me but they issued a garnishment on my wages anyway and taking in excess some months more than XXXX dollars and still posting on my credit report each month that I am past due and this is and delinquent account in a charge off status and this is continually hurting my credit every month even though I am constantly paying on this every week I get paid.
Product: Checking or savings account

My husband made a cash deposit of {$1800.00} on  XXXX   XXXX ,   XXXX  . CASH, handed to a teller, counted and confirmed. That evening I transferred the money to my checking account so that I could pay my mortga ge ( our accts are linked but separate ). The bank put a hold on the deposit stating some rule that if a deposit was made after a certain time then it would n't post until the next day, however, had he deposited thru the ATM the money would have been immediately available. That is the complete opposite of previous banking rules! It was cash, handed to a live human being! At any rate, me transferring the money that the bank says was n't there resulted in 5 overdraft fees. The bank has refunded 3 out of the 5, however, that is not acceptable. I believe the bank is participating in predatory practices to steal my hard earned m oney.
Product: Credit reporting, credit repair services, or other personal consumer reports

My credit report contains an mortgage account from Ocwen / XXXX XXXX which I have contacted Ocwen and they confirmed is NOT mine. However, they will not inform the credit agency of this, despite me escalating and providing them the information. 

I have also contacted the credit agencies multiple times on this, and it continues to remain on my account, without explanation or evidence that the account belongs to me. 

This is extremely upsetting and frustrating. This is inhibiting my ability to purchase a home. 

Thank you for all your help.
Product: Bank account or service

This complaint is against CitiBank. 
Per my friend 's recommendation, I applied for a Citigold checking account owned by CitiBank following the link on the internet in XXXX. The promotion advertisement listed the following conditions : 1 ) Open an account with CitiBank. Deposit money. 
2 ) Make payment for ( 2 ) consecutive months 3 ) Make a purchase worth {$1000.00} As a result, we will be offered XXXX miles. Meanwhile, Citi will charge my account {$30.00} per month for three months if the deposit is less than certain amount ( Maybe {$50000.00} ). 
The application was accomplished in no time with a promo code. Money was deposited. Payments and purchase were made. At the beginning of XXXX, I called Citi to inquire about the status of XXXX points and was informed that I had met all the requirements and the claim had been setup while the process would take up to three months to complete. XXXX XXXX is the date I should call back for the final result. 
On XXXX XXXX, I called to follow up. After spending long time waiting and explaining, I was told that she needed to confirm some information and let me know later. However, I never received a call from anybody from Citibank for this. The only thing I know is, Citibank charged me {$30.00} per month so I was charged total {$90.00} in these 3 months. I sent a few bank security messages for this matter. I finally received an answer, which I believed it is an excuse. The promo was offered to targeted customers while I was n't. This is not acceptable. If this offer was for targeted customers, why did CitiBank put it on their website. Why did my application pass through their review following the link? This was an unpleasant experience. I asked them to close my account instantly, meanwhile, warned to file a complaint to CFPB. My request to solve the issue is either citi should award me {$50000.00} XXXX points or refund me {$90.00} and apologize for wasting my time.
Product: Debt collection

We have a bill for XXXX that was turned into Receivables Performance Management they have been calling me continuously I have spoke to someone from there 5 times and have told them I would pay XXXX a week beginning XXXX XXXX and they continue to keep calling they tell me they have it taken care of and then I get another call saying they show no arrangement or whatever. I got a call last night and again today the one today said that I had to give them my debit card information in order for an arrangement to be done I told them I will not give them that information this was also the first time anyone from there has told me that so they said the phone calls would continue. I feel I am being harassed by this company I have tried to make arrangements to settle the debt they tell me they have it done but continue to call me and it 's the same thing everytime also I dont have to give someone my debit card information to make arrangements on a bill. I 'm tired of the constant phone calls and the stress of it all and I feel something needs to be done with this company
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is XXXX, XXXX, XXXX, and not equitable to me as a consumer!
Product: Credit card or prepaid card

When I log in to my target red card account ending on XXXX it redirects me to a old account target red card account ended in XXXX. I've called many times asking why the closed account is still accessible and why it redirects my from a active account I've called many times once they hung up on me or redirected me to collections. 
I received no bill before my due date, everytime I try to log in I have to change my password, I had to pay over the phone or at least I thought I did but it didn't go through and put a negitive mark on my credit report.. 

I will not set up auto pay because of the closed account ended in XXXX is still accessible. 

this has been going every months for over a year. I finely filed a report with the XXXX  and now you. 

I just want to access my account ending in XXXX and pay my bill..
Product: Debt collection

XX/XX/XXXX I went to XXXX XXXX  in XXXX Ky. A third party sales company for XXXX XXXX XXXX I purchased 2 XXXX XXXX XXXX  and a XXXX XXXX XXXX XXXX. With a two year service plan. 

XX/XX/XXXX I went back to the store and exchanged the XXXX XXXX XXXX  because it did not suit my needs. Replaced it with a XXXX  box. There were issues getting the new XXXX  box connect to my current account I just started with XXXX. So the salesman closed the original XXXX account out and started a hole new one with the originally purchased phones and the new mifi box. XXXX has a 30 day return policy so I was not charged for the XXXX, I only had to pay a restocking fee. 

XXXX XX/XX/XXXX I keep receiving emails and home mail about a past due balance of {$190.00}. I called XXXX to see what was going on, they said my bill was paid and up to date. 

XX/XX/XXXX the emails and letter kept persisting saying that if I did not pay my bill service would be terminated. So I call XXXX once again, they assured me everything in my account was paid in full and I had no worries of service disruption. They were confused on why I was receiving these texts and letters. 

End of XX/XX/XXXX I get an email from a debt collector trying to collect money from XXXX XXXX. I call the debt collector and they were very rude and would not give me any details. I submitted a dispute with them. 

XX/XX/XXXX I checked my credit thru credit karma and noticed a collection added to my account from XXXX XXXX. At this point I am irate. After 5hrs of being on the phone and being hung up on serval times and transferred multiple times I find out that the XXXX that was returned was never deactivated from service. So the original account I had thru XXXX was never fully closed and I was being charged for service on a returned item for months with out any knowledge. XXXX has submitted multiple tickets to resolve this issue and has yet to do so. I never get called back nor do I get a resolution. I have asked multiple times for proof of this debt from them sent to me thru email. They refused to give me anything on the original account because they said its technically closed and has been sent to collections. All I have it the account number involved. But some of the associates I spoke with at XXXX said this is wrong and should have never been sent to collections. 

The same exact day I decide to pay my XXXX bill of {$290.00} and {$23.00}. I tried to just pay {$350.00} thru the app. It popped up an error during processing. So I paid the {$290.00} amount and got a confirmation and then paid the {$23.00} amount and got a confirmation. Upon checking my bank account the original {$350.00} payment was deducted from my account also. So back to calling XXXX once again, they had no record of a {$350.00} amount being posted to my account and told me to call my bank. So I called the bank, they stated it may redeposit after the 3 business days. To check back. 

XX/XX/XXXX I called the bank back and they said the funds were issued to XXXX XXXX. That I could file a dispute with them to get the money back. So I filed a dispute with them.
Product: Student loan

I have been paying American Education Services for over 20 years on a {$24000.00} original loan amount. I have paid combined principle. And interest a total of {$48000.00} The servicer says I still owe {$12000.00} doesn't this violate usury laws? 

My loan number is XXXX. I'm XXXX XXXX XXXX and can't take the financial stress this is causing me. 

Thank you for your help, XXXX XXXX
Product: Credit reporting or other personal consumer reports

**Subject : ** Dispute of Inaccurate Information on Credit Report under FCRA XXXX XXXX, and XXXX Dear Sir/Madam, I am writing to formally dispute the inaccurate information reported on my credit report regarding XX/XX/XXXX account XXXX. I have identified that late payments have been incorrectly reported, negatively affecting my credit score. 

Under the XXXXFair Credit Reporting Act ( FCRA ) **, specifically XX/XX/XXXX( correction of inaccurate information ) and XX/XX/XXXX responsibilities of information furnishers ), credit reporting agencies and information providers are required to ensure the maximum possible accuracy of credit reports and correct any errors in the data provided.
Product: Credit reporting or other personal consumer reports

I am sending this complaint regarding the recent investigation into my credit record. I appreciate your efforts in correcting some of the previously listed misleading information. However, I still need to ensure complete accuracy for the specific account on my file. Therefore, I request that you provide documentation verifying the accuracy of the account in question. Please conduct a further investigation into the account below : XXXX XXXX Date Opened : XX/XX/year> XXXX Balance Owed : {$0.00} - I request immediate verification of the payment history and status of this account. Your records do not match mine, and I believe the reported information is incorrect. I have consistently made timely payments and have not been late on this account. I insist on a comprehensive investigation and swift correction of any inaccuracies to ensure legal and accurate reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX # XXXX is reporting an account to XXXX   that is not mine. It belongs to my ex boyfriend and I should not be responsible for it. I was involved in a XXXX XXXX   case and got a XXXX XXXX, this account is his but is still reporting on my credit and needs to be removed.
Product: Credit reporting or other personal consumer reports

Please remove all fraudulent accounts and inquires as I have no knowledge of any of these accounts due to the XXXX breach Identity theft. My information was also impacted by the XXXX data breach and May have got into the hands of the wrong person. All is being investigated by the FTC. According to the FCRA 605B, 15 U.S.C. 1681c-2 this information must be blocked immediately within four business days. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted XXXX  several times asking them to update the payment history and balance on my car loan. They are still reporting that the loan is late and I have been on time for over a year. it is negatively effecting my credit report and my cosigners credit report. I have disputed it with the all three credit bureaus and the same result they say lender confirms info.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am the victim of identity theft. Someone opened a credit card and applied for credit using my social security number. Equifax has been sent a copy of my driver 's license, W2, utility bill, identity theft police report, and a notarized FTC Identity Theft Victim 's Complaint and Affidavit numerous times and refuses to delete the fraudulent inquiry made by XXXX, on XX/XX/2022. I finally received a letter from Equifax, dated XX/XX/2022, that indicates the inquiry had been deleted. I checked my credit report and it remain under the hard inquiries. I called Equifax, on XX/XX/2022, and the indicated they would correct the issue. I received my report and received the following response : following " inquiries are a factual record of file access and will remain on the Equifax credit file 2 years from the reported date of inquiry of XX/XX/XXXX XXXX XXXX. ''
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXX on XX/XX/XXXX under the account number ( private ), an auto loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), a personal loan account opened at XXXX XXXX XXXX XXXX on XX/XX/XXXX under the account number ( private ), and a collections account opened at XXXX XXXX on XX/XX/XXXX with a balance of $ ( private ) that appears related to the aforementioned personal loan account opened at XXXX XXXX XXXX XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Student loan

XXXX XXXX XXXX is the Parent company I actually attended the campus in XXXX XXXX, CA which as you can see no longer exists. I was unable to complete my degree program because this campus closed. I received a certificate. The classes I needed to take were not available in the next module so I had to wait for it to roll around again, so technically I was not enrolled when the campus closed. I explained this to the Navient representative in a request to relieve me of the debt under the provisions of the school closure provision. They denied the request because I was not enrolled. XXXX would not allow me to enroll because THEY KNEW they were closing the campus! They gave me the option of going to XXXX or XXXX/XXXX XXXX to finish. Those are HOURS away from my home. This is not what I paid for or signed up for. Navient indicates I have the option to finish because I can go to one of these campuses.XXXX is a XXXX XXXX, it does n't have dorms, XXXX is 1.5hrs one way with traffic it 's more like 2 hours. XXXX is 3.5 hrs away. This is an absurd idea that I would spend 4 to 7 hours on the road each day in order to finish this degree. 
I feel they are not following the intent of provisions of the school closure remedy because they are only interested in their money not the burden it has placed on the student.
Product: Mortgage

I made mortgage and escrow XXXX property tax XXXX payment to Select Portfolio Servicing since XXXX, XXXX. SPS never made the property tax payment on my behalf. In XX/XX/XXXX, they said that they would start investigation after I called them couple times. On XX/XX/XXXX, they sent the letter stating a refund check for the amount of {$11000.00} was mailed out on XX/XX/XXXX because they never made the payment to the county. Since then, I have made at least 5 phone calls asking the status of the check that I never received. Every time, they gave me a runaround. As of today, XX/XX/XXXX, I still didnt receive the check
Product: Student loan

Navient has been servicing both my XXXX and XXXX student loans, but they keep changing payment methods descriptions, such as XXXX or zip code. My payments are setup to take place monthly via my bank account, so the payments go out ( and can be accounted for ) but the payments never land in the account where they should be paid. XXXX account will get over payment and another account will get no payment. Then they harass me about late payments, of which I resolve and explain their error and fix it. Then it just happens again. This has been detrimental to my credit.