23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I refinanced my XXXX school loans with XXXX XXXX XXXX. Unfortunately they sent the repayment check to the wrong address at Navient. On XXXX/XXXX/XXXX Navient applied the XXXX dollar check to an old XXXX account with about {$6000.00} on it, resulting in a balance of XXXX. Seeing as how the check was sent to the wrong address, I think that the right thing would have been for them to make a quick phone call to double check which account I was depositing XXXX into, but this was not done. 

I alerted all parties within a couple of days, but interest accrued on both accounts until XXXX/XXXX/XXXX. I was forced to make an extra monthly payment on my Navient account of {$1700.00} on XXXX/XXXX/XXXX to keep it from becoming delinquent. They 've refunded {$1200.00}, but there is a discrepancy {$460.00} of interest accrued after they had cashed my check.
Product: Credit reporting or other personal consumer reports

XXXX, XXXX, & Equifax continue to report a late payment on the account XXXX XXXX  Account # : XXXX. The consumer agencies has provided me with no evidence that proves that I was indeed late XX/XX/year>. Provide me with the evidence that proves this or update my consumer report to reflect accurate information. 

( 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 charge for 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

Time has already passed but up until now, I havent heard any kind of response from the 3Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, and documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove or update the items which are erroneous and unverified. Their unfavorable and unacceptable actions have been hurting my credit scores immensely. Please see below the items I am concerned of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Phone : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX TransUnion Consumer Solutions XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Dispute of Charge-Off on My Credit Report Under 15 U.S.C. 1681i Dear TransUnion Dispute Department, I am writing to formally dispute the accuracy of a charge-off that appears on my credit report. According to 15 U.S.C. 1681i of the Fair Credit Reporting Act ( FCRA ), consumer reporting agencies are required to ensure the completeness and accuracy of the information included in a consumers credit report.

The charge-off in question appears to be inaccurate and unverified. Therefore, I am requesting that you : Conduct a thorough investigation of this item in compliance with 15 U.S.C. 1681i.

Verify the validity of this charge-off directly with the original creditor.

Remove the item from my credit report if it can not be verified or is found to be inaccurate.

Laws Being Violated : 15 U.S. Code 6801 : Protection of personal information.

15 U.S. Code 6802 : Obligations regarding the disclosure of personal information.

15 U.S. Code 6803 : Disclosure of privacy policies.

15 U.S. Code 1681e ( b ) : Accuracy of credit reports.

15 U.S. Code 1681a ( d ) ( 2 ) : Exclusion of certain transactions from credit reports.

18 U.S. Code 1028A : Aggravated identity theft.

These violations indicate a failure to protect my consumer rights under federal law. If the charge-off can not be verified as accurate, it must be promptly removed from my credit report.

Relevant Law : 15 U.S.C. 1681i This section of the FCRA requires consumer reporting agencies to investigate disputed information. Specifically : ( a ) Reinvestigation of Disputed Information ( 1 ) Reinvestigation Required : If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer, and the consumer notifies the agency directly of such dispute, the agency shall 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, within 30 days.

As stated by law, you are required to complete your investigation within 30 days and provide me with a written response.

To assist in your investigation, I am including copies of my identification and proof of address. Please confirm receipt of this dispute and notify me once the necessary corrections have been made.

Thank you for your prompt attention to this matter. You may contact me via email at XXXX or by mail at the address provided above. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Checking or savings account

Can not use my account- I am locked out and can not speak to a human who knows what they are doing.
Product: Payday loan, title loan, or personal loan

This company is a vulture and they feed on struggling individuals that are just trying to get by. Im paying them appropriately {$130.00} from every pay check every two weeks for a {$1000.00} loan for a total of 52 weeks. This was ignorant on my part to agree to but manageable until they added their additional interest and fees for delaying payments while my job was in jeopardy. I had delayed a couple payments during the COVID crisis and was charged an insanely amount of interest for requesting these extensions. Its a pandemic at the moment, families are Struggling and theyre feeding on that. I had to choose between paying them and feeding my children while my job was in jeopardy and instead of assisting, they charged me for asking for help!
Product: Mortgage

A short sale transaction was submitted to XXXX XXXX/XXXX/XXXX. This was a complete file. By XXXX XXXX, XXXX we found out that PNC had ordered XXXX appraisals and each were coming in around {$130000.00}. We received the attached denial letter in the mail. Stating the offer did n't meet the required NET. We were short by {$6500.00}. It took 2 months to reach this point. We were not countered, when the file was closed and PNC responded that USDA does n't allow counters. In discussing this with USDA they stated on XXXX/XXXX/XXXX that it was not true and in fact PNC makes that determination. So we countered the buyers and submitted the offer at {$120000.00} which was the required offer price. By XXXX/XXXX/XXXX we refaxed the completed short sale package, by XXXX/XXXX/XXXX were were notified the file was submitted to the investor for approval. 

On XXXX we were notified that the loss mitigation file was being closed out because the guarantor ( USDA ) was taking too long to issue their decision of approval or denial. She stated, however, that the file would be reopened once a decision was rendered. 2 days later we were advised that the file would be reopened only if USDA 's response was received prior to XXXX/XXXX/XXXX. If it 's not, then the file will be removed from loss mitigation permanently. We then opened a CFPB complaint over this case # XXXX inquiry ID on PNC end was XXXX. We never received any follow up on this matter. 

Buyers walked on XXXX tired of waiting. 

New offer was then signed on XXXX complete offer and full SSdocs submitted to PNC on XXXX. Today we called and were told the file was closed because of a " churn '' Policy which apparently means you can only apply for assistance so many times. 

First of all the borrowers only have applied 1 time for assistance. PNC is all its ignorance are the ones that closed this file and offer out not once but XXXX different times and the last 3 times had nothing to do with what the guarantee wanted nor what USDA guidelines state. I will be in fact bringing this story to our attorney general and and the media if this is not investigate immediately. This is unacceptable on multiple fronts. This seller fell into hardship when he was XXXX to XXXX in XXXX. This is completely unacceptable on so many fronts. He has been trying to work with PNC for a year and all your company has done is find excuses to close his file over and over again.
Product: Checking or savings account

On XX/XX/18 I've noticed a wrong transaction to my checking account at Chase Bank. 
I called them right away asking them not to pay for it cause I did not recognize it. The customer service I spoke with told me that they will investigate the matter as soon as possible then reimburse to me my money. After three day they posted my {$730.00} back I taught everything was ok till we were under Hurricanes warning XXXX rushed to go put gas in to my family cars then realized my account was overdraft. I was trapped with my kids without foods for the whole hurricanes time until my younger brother XXXX borrow to me {$500.00}. When I went back to them they told me the merchant state that I was their customer and the paid them their money. They wired that money to someone in California from a XXXX XXXX branch to someone name XXXX XXXX account. 
Thanks
Product: Debt collection

On XX/XX/2018 I wrote a letter to Merchants Credit Guide to  verify the account. They are reporting to all credit bureaus ( XXXX, XXXX & XXXX ) what is not verified and based on the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) it needs to be verified. 

On XX/XX/2018, I wrote a second letter to validate my request and provide me a copy of all original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) of the FCRA they are required to delete all unverified information. After two certified and mail returned receipt letters they still are not complying with my request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are numerous inquiries on my Equifax Credit report that I did not authorize or I do not recognize. Prior to my calling Equifax to resolve, I did contact each and every company and request they remove the unauthorized inquiry or that they provide me with proof that I in fact was the one who authorized the inquires. 

The following are the companies I did not authorize to run my credit or I did not apply for any type of services with them. 

XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, GA XXXX XX/XX/2021 XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX XXXX XXXX XXXXXXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX XX/XX/2021 XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX, NC XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, ND XXXX
Product: Checking or savings account

I believe accts might have been opened without my consent with WF. I have two custodial savings accts that i opened over ten years ago. Id received two additional atm cards years apart but had not opened any additional accts with WF.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX Account # 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 not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat o payment on a credit card account under si open end consumer credit plan as late for purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

Currently all three credit agencies XXXX, XXXX, and Equifax have on my account that I have had a real estate foreclosure. This is incorrect as I still own this property and the bank has not been able to successfully foreclose threw court. The mortgage has a lot of issues and is currently in legal proceedings. I find it that reporting I have a forecloser is purposely damaging my credit report. They have been asked to remove this from my report. Until they receive court documents from the state hawaii that verify in fact that this property has been foreclosed on this should not be on my record or listed as a forecloser. The court has not made a decision on this matter since being in court since XXXX till current. It is not the credit reporting agencies right to report false information due to the request of a third party and has for the last couple years adversely effected my credit score and credit decision and has cause damage to my credit worthiness. This matter has been brought before and asked to be removed and hasn't. This mortgage debit is also over seven years old and payment hasn't been made since XXXX due to banks failure to provide information on who payments where being made to and other issues outside of a credit reporting agencies business of reporting credit related items. This violates credit fairness and truth. That a third party having nothing to do with the mortgage and loan was allowed to make this request and it be included on my report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX None of the inquiries listed were authorized by me. I requested their removal in early XX/XX/XXXX2023 but have not received any updates regarding their removal.
Product: Credit reporting or other personal consumer reports

After examining my consumer report, I have identified inaccuracies and accounts that continue to be reported despite being disputed multiple times. I am deeply frustrated by the lack of action taken by XXXX, Experian, and XXXX thus far. 

XXXX XXXX. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) EXPERIAN : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  XXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 2. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX. Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) XXXX : 1. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX  XXXX Account Number : XXXX Misleading and False Reporting- This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g ) 2. Under 15 U.S.C. 1681i Paragraph ( 5 ) any information disputed by a consumer an item of the information is found to be inaccurate or incomplete or can not be verified the consumer reporting agency shall ( i ) promptly delete XXXX XXXX XXXX XXXX Account XXXX : XXXX Misleading and False XXXX - This account is negligently and inaccurately reporting failing to comply to 15 USC 1692 ( g )
Product: Debt collection

On XX/XX/19 I submitted a dispute for the accounts with CMRE Financial ( # XXXX ) there are 4 accounts with the same account number. CMRE Financial verified to the credit bureaus that they are legally collecting the accounts. 

I sent a letter directly to CMRE on XX/XX/19 ( tracking USPS XXXX XXXX XXXX XXXX XXXX ), at this point because it is getting frustrating. I requested all documentation proving this account is mine, they have the right to collect and what they are using to calculate the debt they claim I owe. It has been past 30 days and they have not removed these accounts from my credit reports or provided all requested documentation. These accounts should not be on my credit report.
Product: Checking or savings account

On XXXX XXXX XXXX XXXX XXXX erroneously paid, through their online bill pay account, the Bank of America {$700.00} for a payment that should have gone to XXXX XXXX. When I found out I files a payment dispute with both banks. XXXX said that they couldnt do anything about it. Bank of America told me that they could put the money back into my checking account from which it came in 7 to 10 days. This was on XXXX XXXX. After 5 or 6 calls to Bank of America they told me that it was in process. The last cal they insisted that they gave the money back to the payment service used by XXXX on XXXX XXXX XXXX I called the payment service on XX/XX/2023 and they said that no such payment was ever received and that they had unsuccessfully tried to recover the money from Bank of America when the original payment dispute was files. I have called Bank of America numerous times and they just keep cutting me off.
Product: Credit reporting

The students loans I owed for college are paid off in full. My credit report states that I have different student loans, but all were paid. XXXX University in Ohio confirmed they are all paid.
Product: Checking or savings account

Branch Banking and Trust, aka BB & T  I spoke with a representative  XXXX     2017. The repres entative walked me through online how to OPT OUT of overdraft. I trusted the bank representative gave me the correct information. She in fact gave me incorrect information. Due to the misinformation I received, I received    XXXX   ov erdraft fees totaling {$72.00} on  XXXX / XXXX /   2017. I   contacted the bank ; a representative said they could try to pull the calls but because there were so many calls during that time period, they  may  not be able to review all of them. They could n't promise me a resolution. As I received a refund in  XXXX   ( admittedly my fault )  they " ca n't '' honor additional refunds for 24 months from the first refund in  XXXX . The bottom line is the banks employee gave me incorrect information which caused the overdraft fees. Currently waiting for a follow up call from the  manager  with the research, if anything.
Product: Mortgage

I have fell past due on my mortgage on XXXXXXXX XXXX XXXX I am writing this letter to explain my financial hardship that caused me to fall behind on my mortgage. On XX/XX/2014 I was diagnosed with XXXX XXXX XXXXXXXX and became very ill, due to my illness I missed a lot of workdays which my position was replaced, and I lost my job. After receiving treatment, I finally went back to work after a year then due to XXXX related blood vessels I suffered a XXXX which placed me out of work again due to my XXXX XXXX XXXX I was not cleared by my doctor to return to work. Thank God I am back to work now, and my health issues have all been resolved. During this time, I requested for mortgage assistance while I was only a few months behind, each time Id submit for loss mitigation as per their request the process would takes months only to always request documents over and over again even after already submitting these to them on numerous occasions. I feel that PHH intentionally delayed the review process just to foreclose on my home. I have offered PHH XXXX  XXXX {$35000.00} to show as good faith in hopes we can work on a home retention options but they have denied every attempt Ive made. As well PHH initiated foreclosure while I was in review for assistance as per CFPB guidelines I feel PHH is violation of Dual Tracking laws of foreclosure as well as Failure to perform and Negligence.
Product: Credit reporting or other personal consumer reports

Request to Cease Reporting Due to Violation of 15 U.S.C. 1692c I hope this message finds you well. I am writing to formally request that you cease reporting a collection account associated with me in accordance with the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c.

I recently sent a letter to the collection agency rentdebt automated collections regarding the violation of my rights under this statute. As per this law, I have the right to request that they stop contacting me under certain circumstances. I understand that this applies to how this information is reported to credit bureaus as well. 
Given this situation, I kindly request that you investigate this matter and take the necessary actions to remove any negative reporting associated with the collection agency from my credit report as soon as possible. 
Please confirm receipt of this letter and let me know the actions you will take regarding this matter. Should you need any further information or documentation from my side, feel free to contact me at the phone number or email address provided above. 
Thank you for your prompt attention to this matter.