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

I recently disputed this account with Experian and was provided with a letter with a quick turn around that this account was in fact accurate. I was not provided with whom they spoke to verify this account or anything. XXXX XXXXXXXX XXXX XXXX, Account Number XXXX has disputed previously years ago. It was proven to not be my account. This account is reporting negative information about me monthly through Experian. Which is inaccurate, unverifiable, invalid. It was last reported on XX/XX/XXXX, when in fact the credit report shows it has an last active date was XX/XX/XXXX. This violates 15 U.S. Code 1681e ( b ) Accuracy of Report. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the consumer to whom the credit report relates. The other credit bureaus have no record of this account. The credit reports that I have provided prove that this information is inaccurate and incomplete. I would like Experian to remove this account from my report. Thanks for your help with this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX never reports accurate information. The balance is only updated every couple of months. Then when they do it is always incorrect. 

I called XXXX XXXX and asked for the correct balance to be updated. No help. I asked for a supervisor. After being disconnected 3 and being told to call back due to system issues I was transferred to a supervisor who supposedly sent the request out. A couple of days later I received an email telling me nothing would be done. Through the whole process there was no willingness to send the correct balance to all 3 credit reporting agencies. Right now I have a {$0.00} balance. I paid off the loan!
Product: Credit card

Hello please provide me a detailed explanation why all my credit card accounts have been closed and the remaining balances, if any on the accts.
Product: Checking or savings account

i have several situations with truist first I had a chargeback with XXXX they refused to file for a month after they stated it wasnt a chargeback its a merchant dispute refused ot give a temporary credit, until i spoke with XXXX and they sent me back some of my money then truist refused to accept the payment that i worked out thats when they tried to act like they were so with the customer but refused to give me a temporary credit then, as i spoke with XXXX i cancelled the chargeback yet truist refused to notify them so XXXX would not return my money becasue truist made me look like i was trying to get a chargeback and negotiate with them, so i had to refile the chargeback... Next situation I went to XXXX XXXX two different times both times the atm dispursed the wrong amount gave me {$100.00} less than than the transaction i made, once i tried to get {$300.00} and the atm gave me {$200.00}, next i tried to get {$200.00} and the atm gave me {$100.00} filed both claims at he same time, both claims the gave me a provisonal credit, 2 days later denied one of them not even researching the issue, I asked for a information on how they came to a resolution yet they will not provide all they say is Truist came up to a conclusion the transactions were not in my favor i asked them to provide documetnation yet they refuse to provide any useful info on how they made their decision all i get is hung up on and disrespected by agent superviosrs and lied to about they have sent me this info they deny claims withough any proof.. 3rd situation i was been billed for 4 months through a auto insurance after they cancelled me i notified truist they did nothing finally a the recurring charges stopped in XXXX, I emailed agents in their department showing them they had been cancelled me yet they still deny me of the claim, and they have yet to complete any of the claims within their timeframe they will not creidit your account instead they will hang up on you and treat you less than a human and it is bad when you call the branch and they treat you the same way like who cares is the action they display to their customers who they treat like we are the XXXX and that is sad once i find a greediest lawyer I can if Truist dont start treating my issues like they treat those rich people issues cause this is a scamming hateful bank and I gave them all the info to every situation as i will have in the attachments stating that they cancelled me yet Truist still finds a way to deny the claim that sad
Product: Credit reporting or other personal consumer reports

I am filing this complaint regarding inaccurate items on my credit report that continues to negatively impact my credit. Despite my efforts to resolve this directly with the reporting agency. It remains unresolved. I request immediate investigation and rent of these items. As it is incorrect and does not reflect my true credit history. XXXX Account # XXXX XXXX XXXX account # XXXX XXXX XXXX Account # XXXX
Product: Student loan

Navient LLC, a debt collector, has failed to respond to my numerous demands to cease and desist. They have invaded my credit Federal Credit Report, and continued to send threating letters, as well continued harassing me with phone calls. They have contacted other family members in connection to this alleged debt, via emails and phone calls, family members that are not associated with the matter in any way. 
Navient LLC is under some delusion they are not a debt collector, and not subject to the FDCPA, because the purchase, sale, or transfer of the alleged debt took place while " it was not in default ''. I again demanded Navient send me information with a dispute letter in XXXX, which was ignored, and again in XXXX, which thus far remains unanswered. The alleged loan was in default as far back as 2011, and any records Navient LLC has obtained are either incomplete, inaccurate, or they have not done a meaningful review. Either way, they have not answered properly in any case. In addition, the conflicting information received from Navient, as to who they are, has prompted me to file a FTC Identity Theft Report # XXXX. In one letter they are a servicer, the next an assignee. They say they are not a debt collector, but include a mini Miranda at the bottom of the letter. Navient 's lack of correct information, and confusing letters, warrants an investigation by the FTC as to how my personal private information was obtained w/o my authorization or knowledge. 
In any case, Navient LLC is not a creditor of mine, and even if they are working for another entity that purports to be a creditor, they would both be regulated by the FDCPA, and will abide by the provisions of such. I have on numerous occasions asserted my right to dispose of this matter under 15 USC 1692c. I have disputed the alleged debt. Navient 's only response is to continue sending me threating letters, and harassing me with phone calls, saying they do n't have to stop, and that I have no protection from them, along with threats of a lawsuit.
Product: Credit reporting or other personal consumer reports

Seriously, it's been months since I investigated my credit report, and I realized that some of the information was still erroneous. The 3 credit bureaus are required to authenticate these accounts under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). It is not acceptable to treat these reporting accounts as unconfirmed information without producing proof within the legal time range. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ), please investigate the unverifiable accounts and update them immediately in my report : XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX I received a letter in the mail dated XX/XX/XXXX stating that my XXXX credit card limit was being lowered to {$190.00} due to credit score influence, high outstanding balances, limited credit experience. The credit bureau was pulled on XXXX XXXX, XXXX. The credit score states it is XXXX. That credit score is  incorrect. I am a paying member to XXXX and I can see what my credit score was in XXXX and it was XXXX. This is a new credit card for me but I have had credit cards for years so I am not sure why the letter states " limited credit experience ''. I was carrying extra debt back in XXXX but it was due to holiday shopping. Since XXXX XXXX I have decreased by debt by {$3000.00} by paying off several cards that had a balance. I dont understand how a company can use a credit bureau report from 5 months ago and lower your limit. My credit is now being negatively effected by this due to my credit ratios being increased.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX. I received a notice via email that 4 accounts were deleted. I spoke with a representative on XX/XX/XXXX in the fraud department where the representative helped me with the disputes. I have had a fraud alert on my XXXX credit report since XX/XX/XXXX. 

The reason for the deletion is because I uploaded my FTC documents and Drivers License and Social security information with my correct name. My name was reporting incorrectly and there were accounts that should not be reporting. So I received an update that they were removed immediately. 

Today XX/XX/XXXX. I received an email of reinsertion of all the accounts that were deleted. I spoke with a representative and he stated that it was never deleted. I told him it was, I have copies and proof. Then stated he the reason it was reinserted was because they received more documentation from me. But they never did. The documentation that was received was sent in XX/XX/XXXX when I spoke with the Fraud department and he corrected my name and city of my address. I asked him to explain why it was reinserted again just to clarify, he stated it was because they received documentations from me. I asked him when, he proceeds to say he doesnt know because he is having system issues. Not acceptable, because I know when it was submitted and asked to be transferred to fraud department. 

Call was transferred to XXXX in Fraud Department. The same thing was explained to her and she also stated that it was pending investigation. I expressed to her AGAIN, that the accounts were deleted on XX/XX/XXXX and I have proof and they need to be removed permanently. 

She still stated that theres nothing she can do. This is unacceptable. 

The Fair Credit Reporting Act ( FCRA ) prohibits credit reporting agencies from reinserting account information that was previously disputed and removed from a consumer 's credit report. The credit bureaus can not reinsert this information unless it receives a certification from the data furnisher ( the bank, credit card company, or debt collector ) that the information is correct and then provides notice to the consumer that the information will be reinserted. They did not receive that information in one day from all the creditors. They deleted due to the circumstances of the accounts reporting.
Product: Consumer Loan

I recently financed a vehicle through PNC, I purchased the car on XXXX XXXX. When I had not received any information in the mail regarding my account number, when my first payment is due, and how to make a payment, I called today XXXX/XXXX/16 as I slightly remember the dealership saying that my first payment was due XXXX. The representative on the phone told me the coupon book was mailed on XXXX XXXX and that I should be receiving it soon. I had called to schedule online banking since I wanted to make sure my payment was not late, only to find out that I could not schedule online banking with PNC to pay this loan unless I had a PNC checking account, I do not have a PNC checking account. I then tried to schedule autopay through my bank where I have a checking account XXXX XXXX XXXX and needed the address for XXXX to automatically send a check each month. I had to call back PNC for this information, I expressed concern to them that since I was through this method, the payment could end up being a few days late since the payment was due XXXX/XXXX/16. They offered to transfer my concern to escalations, with a 24-48 hour XXXX to get back to me. I advised them that since the payment is due XXXX/XXXX/16, that would not benefit the situation. My concern is how could they expect a customer to make a timely payment if the coupon book containing their account number and how to make a payment was n't mailed until XXXX/XXXX/2016. Furthermore, I have yet to receive my loan agreement - which is a further concern of mine.
Product: Mortgage

When I refinanced my home back around XXXX of 2016 I was told by wells fargo that to remove my PMI I would need to either allow my payments to reduce balance to 78 % or if my home value improves I could order an appraisal and if the loan to value was at 78 % or lower I could have my PMI removed. I recently just paid for an appraisal through a credit union who uses a third party vendor. My appraisal came in with enough value to have my PMI removed. So I sent in my appraisal and now wells fargo says its not valid because it was n't through them. Not once did they inform me that it needed to be ordered through them. I also spoke with two representatives within the last 2 weeks about sending in my appraisal and they asked why and who i was getting it through. I informed them of possible home equity loans through other banks. They said okay and to send it in once I have it. They provided a fax number and notified me that once its received and reviewed my PMI would be removed. Now im being told my appraisal I paid for is not valid and that they are not removing my PMI. I would like to file a compliant for unfair and deceptive practices. They had opportunities to tell me before that other lenders appraisals do n't count even though they used another lenders appraisal for my home loan when they took over the servicing on it.
Product: Checking or savings account

I had a checking account and savings account with navy federal, they had this program called a XXXX program that allow you to him about his money from the bank the money that I borrowed was {$480.00}. I spoke to a Miss XXXX and I told her that I was making payments I had to set up payment arrangements of {$20.00} every two weeks.I made three payments of {$60.00}, and I also help me to {$10.00} payments which I can take the money and I cant so I told him to put it towards my bill and a XXXX dollar payment when I call in to navy federal they refuse to give me a print out of that payment history!! Im trying to fix the situation and then she won over charge me
Product: Student loan

In XX/XX/XXXX, a complaint was made with Federal Student Aid concerning the principal amounts that Mohela stated that was owed by me. A call was made after speaking with Student Aid to Mohela requesting that they send to me what was used to determine the amount that was owed by me because they amounts that they are saying was owed is not correct. At the time of my filing the complaint with your Agency, no documents were provided by me. This time there are documents to show that before XXXX, my total debt with XXXX XXXX and the Department of EducationXXXX totaled {$46.00}, XXXX with the dates of XX/XX/XXXX in question as these two debt amounts, total the same. When XXXX XXXX transferred the debt to XXXX, they correctly XXXX  the debt out with them. When the Department of EducationXXXX transferred the debt to XXXX XXXX , they did not, XXXX  the amounts in their system once XXXX XXXX accepted the loan debt. A dispute was filed with the credit bureaus and XXXX was the only one to have the Department of Education/XXXX to correct was showing. After filing a complaint with the Federal Student Aid Ombudsman because Mohela  states that was is owed is over {$57000.00} and this is not correct because as an undergraduate, {$46000.00} was to the total loan amount that was received by an undergraduate before XXXX. 
Mohela finally sent and was received by me on XX/XX/XXXX, what information they used. They appear to have increased the original principal amounts to show $ XXXX and they used XXXX and FedLoan Servicing and possibly the debt from XXXX from XXXX XXXX that was forgiven as they lost accreditation and the school closed its doors and no grades were given. The total principal amount changed with Mohela and it is my understanding that this should not be. Attached are my documents.
Product: Credit reporting or other personal consumer reports

My information was exposed in a data breach. Under 15 USC 1681 Right to privacy
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XXXX XXXX still nothing from them. That means TransUnion has NOT complied with the FairCreditReporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I have my home mortgage with Suntrust Mortgage Acct # XXXX. Name : XXXX XXXX XXXX. On XXXX/XXXX/15, a very large tree fell on my house during a storm. The insurance adjuster came out, the next day, took pictures, said it was a total loss. I signed a form for him to get the payoff from Suntrust, the insurance was just enough to pay off the loan. He told me to call them, give them his name the claim #, etc, and let them know it would take 3-4 weeks and explain that I could not make a payment because I needed all my available funds to find a new place for my family of XXXX to live. I did that. A few days later, they started calling me. Every day I explained the situation to them, told them the insurance company was going to pay it off. Yet they still called everyday to harass me. On XXXX/XXXX/15 I went to the bank and showed the branch manager the pictures and explained everything to her and she tried to get a manager in the mortgage department to stop the calls, also. Today, a girl named XXXX called again telling me I needed to make a payment. I thought once you told them to stop calling you, they could only contact you by mail. I have enough stress, trying to put a roof over our heads and get beds to sleep in, I do n't need them harassing me to make a payment.
Product: Bank account or service

my bank account with 53rd bank, routing number XXXX and account number ending in XXXX was given an overdraft coverage for my withdrawals with a per-overdraft-item charge of {$37.00}. This coverage l have had since l opened the account with the bank for almost if not over XXXX years ago. Suddenly the bank cancelled this coverage without given me a proper notice so that they can return any over-drafting-item and still charge me {$37.00}. Please l need to know how legal this is and would like to know how l can get all my money in these charges back? I will provide all relevant information necessary for this investigation if need be
Product: Mortgage

I have a mortgage with Chase Bank that escrows my real estate taxes and insurance. I have never missed a payment. Yet Chase Bank is now almost 1 year overdue for my real estate taxes. Despite 7 calls with Chase Bank and 3 with the prior mortgage company ( XXXX ) whom they bought the loan from, my XX/XX/2021 and XX/XX/2021 real estate taxes have not been paid. 

What is one to do? Despite them confirming on what is claimed to be a recorded call, me taking names of people and case # XXXX, the taxes still go paid. I now have the City of XXXX putting a lien on my house. How is this possible? I never miss a payment. I send the money for them to pay. They don't pay it. Hold my money hostage. And I get the lien? This is absurd! What is the recourse to the bank? Is there a fine? Can they be sued? Why am I being punished for something I don't control?!? 

Help!
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit card

I opened a Chase XXXX credit card on XX/XX/XXXX My XX/XX/XXXX statement indicated a 0 % APR with an " Expiration Date '' of " XX/XX/XXXX. '' The statement also read, " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through your billing cycle ending with the expiration month and year shown in the Interest Charge section. You must continue to make your required Minimum Payment Due in order to continue to receive applicable APRs. '' Accordingly, due to the language " ending with the expiration month and year shown, '' I set a payment to pay the balance on XX/XX/XXXX 

Before that date approached, I checked my last statement from XX/XX/XXXX just to make sure that nothing had changed. Sure enough, that statement indicated an " Expiration Date '' of " XX/XX/XXXX, '' not the previously indicated XX/XX/XXXX. Furthermore, the statement read " You have one or more balance XXXX XXXX ) with APR expiration dates, as shown in the Interest Charge section. These APRs will continue through the expiration dates shown in the Interest Charges section. '' The statement did not include the language " ending with the expiration month and year shown '' from previous statements. 

As soon as I noticed that, I scheduled and paid a payment to pay my balance on XX/XX/XXXX. Nonethless, my XX/XX/XXXX statement indicated an interest charge of {$26.00}. While the interest charge is minimal, I think the change in language between the statements is at best misleading and at worst a deliberate attempt to mislead and get an interest payment from a regularly paying customer who 's never made a late payment in his life. I imagine others could wind up paying much more.