23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

I just received a letter from my current student loan servicer, Fed Loan, dated XX/XX/XXXX,  which states that I have made a total of 23 qualifying payments towards PSLF. However, this is incorrect as I believe this only reflects payments made while my loans have been serviced by Fed Loan since XX/XX/XXXX. I have been making qualifying payments under an approved IBR plan since XX/XX/XXXX, when my loans were serviced by XXXX. I believe there should be another approximately 24 months of qualifying payments. 

I am asking for a statement which includes ALL qualifying payments I have made on my loans, including all servicers of my loans. 

I am also requesting a payment history on my entire loan history, including all servicers of my loan. I can not view this history on Fed Loan 's website. 

I am attaching theXX/XX/XXXX letter from Fed Loan, as well as a statement I have from XXXX from XX/XX/XXXX which shows my IBR payment due of {$450.00}, of which I made 12 payments from XX/XX/XXXX through XX/XX/XXXX. I do not have a copy of my statements from XX/XX/XXXXthrough XX/XX/XXXXwith  XXXX, as I no longer have access to the XXXX account since my loans were service transferred to Fed Loan.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXXXXXX Account # XXXX has violated my rights.

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

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

I am writing to submit a formal complaint regarding inaccurate information on my credit report, which I reported to Equifax on XX/XX/XXXX. Unfortunately, Equifax has not responded to my inquiry, and the following discrepancies remain unresolved. I am seeking your assistance in rectifying these issues and ensuring compliance with federal law. 

The inaccurate information on my credit report is as follows : XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$2000.00} ) - The information provided regarding the above account is imprecise. The stated balance of {$2000.00} exceeds the amount I recall. Additionally, I request the removal of the amount indicated in the Past Due section since this account has a closed and charged-off status. To clarify the reported data, I intend to contact the creditor directly. Until the appropriate corrections are made, I kindly request Equifax to mark this account as disputed. 

XXXX XXXX ( Account XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$250.00} ) - The above account does not belong to me, and I request Equifax to remove the late payment associated with it.
Product: Credit reporting or other personal consumer reports

The consistent and unjustified presence of fraudulent accounts on my credit report ignite my extreme dissatisfaction and frustration. These accounts remain undeleted, casting a shadow over my financial reputation and causing significant distress in my life. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX These accounts are not mine, and I have never authorized any of the transactions associated with them. 
The continued presence of these fraudulent accounts on my credit report has had severe consequences for my financial well-being. I have been denied credit, subjected to higher interest rates, and faced difficulties securing housing and employment opportunities due to the inaccurate information on my credit report. 
Failure to address this matter promptly will leave me with no choice but to take legal action to protect my rights under the Fair Credit Reporting Act ( FCRA ) and seek damages for the harm caused by the persistence of these fraudulent accounts on my credit report.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent cfpb findings against navy federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit card or prepaid card

There are two credit cards taken out through Bank of America on XX/XX/2020. One was for XXXX XXXX and the other was for XXXX XXXXXXXX. I never applied for either one. Ive contacted Bank of America and I am filing a police report with my local police department.
Product: Credit card or prepaid card

Supposedly the fraud department sent original cards to my Illinois address that was returned due to me no longer living there. The verification department is outsourced and their English is poor, which makes things worse when dealing verification, fraud and sensitive matters. When I called to update my account, they took my new address and even just sent me a statement, but have not sent the cards and have told me to look out for a letter in the mail. I have received a statement and no letter. When I call they tell me that they can not give me information ( except if I want to make a payment ) because they are locked out of my account. The customer service reps have hung up on me ( or the call was accidentally disconnected ) when I request to speak to management. They have been very unprofessional in their verification process which involves me getting the phone number of a person in my home ( when I 'm the only one home ).
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard inquires from these companies : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX
Product: Debt collection

I have sent a dispute letter to Blakely-Witt & Associates around XX/XX/XXXX and they never responded and never provided verification of debt owed and now they have added another which is over {$4000.00} as my credit monitoring system just notified me. They also never sent me any letter via mail stating I owed any debt, instead it is just added to my credit reports causing my score to drop again which has caused me to be unable to be approved for an apartment so I had to move in with family. I also did not receive a right to dispute letter from this company from either collections they have placed on my credit in XXXX and now XXXX. When I request written documents verifying this account is mine neither the credit bureaus nor the collection agency have provided any proff which is against the law.
Product: Debt collection

The Moore Law Group got a Legal Order LTS taken from my savings and checking account for a XXXX card that is not even in my credit report history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a letter from Experian after I requested my personal information ; name and address be updated with one name and one address as there are multiple names and addresses that are incorrect on my profile. Experian has failed to update my credit profile with the exact and correct personal information, Experian has stated all addresses and names are connected to an account which is false. Experian is the only credit reporting agency that has thats has failed to update my consumer personal information. Please update my personal information with one name and one address. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2020 I contacted Transunion and on XX/XX/2020 I contacted XXXX  to dispute a collection on my account. The company is XXXX XXXX XXXX. They notified me of a hospital bill I owed with XXXX XXXX XXXX on XX/XX/2020. I thought the bill was paid by insurance and that I met my deductible but it was not. By the time I verified the debt it was toward the end of XX/XX/2020. The company contacted me and I told them I intended to pay the debt and the next day I made the first payment. I made the final payment on XX/XX/2020. I understood that the XXXX XXXX XXXX  XXXX ( XXXX ) prohibits adding medical debt to credit reports until after 180 days from the time the account was reported to the credit reporting agency. It also mandates the removal of previously reported medical collections that have been or are being paid by insurance. It is a medical bill and I am unsure why Transunion did not wait 180 days before posting it to my account. If they were notified at the same time I was about the unpaid medical bill, it shouldn't have been placed on my account until after XX/XX/2020 which by that time it was paid.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have new information regarding CFPB complaint # - XXXX, XXXX, XXXX, XXXX, and XXXX. I received a letter today from XXXX XXXX that is reporting negatively on my consumer report. According to this letter the company sent Equifax a letter on XXXX letting them know that I have handled this account and asked them to remove it. Equifax still have this company reporting negatively on my consumer report willingly and knowingly. Equifax is in violation of 15 usc 1681.
Product: Debt collection

Credit Corp Solutions had violated the FDCPA, XXXX XXXX, Banking laws, IRS reporting and Texas deceptive Act. This debt collector filed a law suit for an alleged debt, on XX/XX/2024 CAUSE NO. XXXX, in XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX that said they purchased from XXXX XXXX that had an Arbitration Clause in it ( that XXXX never enforced not did XXXX file an claim of cause ), before ever notifying me XXXX XXXX XXXX XXXX XXXX the living soul man of, in writing so that I may request Validation of the alleged debt. The lawsuit seeks an amount of {$14000.00} in which they have never validated nor provided any accountant records to back of the alleged claim of debt. I received a letter dated XX/XX/2024 from XXXX XXXX XXXX offering tax time payment options ( See attachment and the many violations in the letter ), after they had filed this claim in small claims court. I dont know who this company is, never had any deals with this company, nor has the person XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Corporation/Company XXXX whom I own copyrights to any variations of, Attorney of fact, Trade Mark, Secured Party and any and all debts are owned to me the living soul man XXXX XXXX  XXXX XXXX XXXX XXXX filing XXXX. XXXX filed this alleged account as a lost thereby income loss that they filed with the IRS and a XXXX should have been sent out. I've filed an audit, and Identity theft with the IRS against XXXX, XXXX XXXX XXXX XXXX  and Credit Corp Solutions for authorized use of my social security account number, filing of the XXXX XXXX  into the Federal Reserve by creating an account without my written permission and obtain the cussip number and use the securities ( the XXXX XXXX on the stock market ) as a bond and collection millions of credits from it. This alleged account was paid for when they took the XXXX XXXX  with my signature and deposited with the Federal Reserve thereby nothing was ever owed to them but rather to me the principal. 

This company has violated all my rights under the XXXX of the United States of America XXXX, the XXXX arbitration, FDCPA, TDCPA.
Product: Mortgage

In the month of XXXX 2016, I contacted my lender for assistance with my home loan due to a hardship in hopes of qualifying for a home loan modification. After going though the financial process over the phone my Customer Relationship Manager told me that I was qualified for a modification. He told me that he would send the required paperwork out via Next day XXXX. I received the paperwork weeks later through regular mail. I asked why I did n't receive overnight as he advised and I was told by the CRM that he would look into it. I immediately sent over the required documentation as requested. The CRM acknowledged having received it. I received a correspondence in XXXX advising that my information had been received and if anything else was needed a letter would be sent out to me advising of what was needed. I never received any other letters only phone conversations between me and my CRM. Each conversation was the same with him asking for the same information week after week even after acknowledging that he had already received it every time it was sent. He claim that the underwriter was asking for the explanations which were also provided every week. Ultimately Bank of America dual tracked my account deliberately causing me to run out of time to choose another option to prevent them from fraudulently stealing my home. Everything that they requested was sent over and over, and even after acknowledging weekly that the information was received they are now lying claiming that the information was not received. On the XXXX of XXXX and on XXXX/XXXX/16, day of the sale they asked me for another application that included the co borrowers information. At the start of this process the CRM and the underwriter said that I could apply on my own ; a quit claim deed was sent also. XXXX business day before the sale I was told that they would not accept the request for modification without the co-borrowers info.Instead of them telling me from the beginning that they could not accept my info alone they waiting until the last minute intentionally. Either was I then submitted that information as well which was on XXXX. The CRM acknowledged receiving it via fax the same day. On XXXX he asked for a second application though I had already completed XXXX in XXXX 2016. I sent it over via fax just as I sent all other documents. At that same time the CRM claimed on XXXX that he was sending over a request to postpone sale date due to all docs on file. The sale was never stopped. I contacted the foreclosing attorney 's office on XXXX the day after the sale. They advised that they did not receive a request for postponement. I asked if it could have possibly gone through another department and he said no. He adivised that they and BOA worked in a shared system and the last note he showed on my account was XXXX/XXXX/16. Bank of America lied. They induced me into believing that I would get a modification while foreclosing at the same time. Being that the foreclosing attorney 's office never received a request, I know that BOA had harmful intentions where my account was concerned which is deplorable.
Product: Debt collection

Contacted Midland credit several times, I asked what the debt was and was told they do n't know as they bought the debt from another company. I explained I divorced in 2006 and asked if this could be my exwife 's debt. They did not know. I asked if they could send me any paperwork as I had zero debt. They said they only thing they could send me was a copy of the debt they bought, but nothing with my signature or proof of ownership. I asked them to remove it from my credit report and they said they could if I would send them a little money. This is very clear extorsion!
Product: Credit reporting, credit repair services, or other personal consumer reports

today XX/XX/XXXX i contacted XXXX  i explained the situation about XXXX  XXXX which i previously reported to you an they just said didnt pay basically ..and it was closed excuse me if i sound frustrated but if i win in court why do you and the reporting agencies go against the court showing they dismissed it in court. it should have been removed from my report in XXXX i submitted papers to you XXXX XXXX has kept this account open an showing delinquent until i disputed it.this is fraud in its finest form.to lie to the reporting agencies.if i lie its a crime of some sort. i need to have this removed from my report and action should be taken to the next level.it shows the deciet of a big corporation that may have members sitting on the XXXX board of directors.I would like to have someone investigate this as to why you allowed this to stand with me providing documentation just because they wrote back i won the judge said i won winning is winning if you look back you will see i proved i won but the letter in return from XXXX XXXX  mentions nothing of the sort i read it .this account is 7 .5 years old but until i disputed it in XXXX of XXXX it was held open after many disputes now the last update was closed an in essence ive been bullied by a big corporation, that i won in court my complaint is with all three credit reporting agencies.they only work for the big corporations not the citizens..
Product: Credit reporting, credit repair services, or other personal consumer reports

I see credit inquiries from unknown sources I reported this a while back and its been going on years I have been in military XXXX  therefore I had no knowledge of my credit use. XX/XX/
Product: Credit reporting, credit repair services, or other personal consumer reports

I just checked my credit score on XXXX XXXX and XXXX is showing a score of XXXX. I do not understand this as I have no adverse or negative items on my credit report and all my accounts are paid on time with no late payments. No bankruptcy and No judgements. I called XXXX to confirm that there is nothing negative reporting on my credit report and it was verified as nothing negative reporting I asked how can my score be so low? I was told I have to purchase my score. I explained that I would like to have an updated credit report sent to me because my score should be much higher than a XXXX. I was told I already received my report for the year. I again explained to the rep that I am dis-satisfied with this answer and I am unable to view the report online for some reason. I should be able to have another report sent to me for free to see why my score is so low.
Product: Debt collection

This complaint is about Bridgecrest, an auto loan company. The car was totaled back in the beginning of 2019. I advised them of this with zero response. After waiting I applied for housing and was told this was on my credit in the amount of {$14000.00}. I was never advised of this nor received any sort of communication expressing the debt or that it was going to collections. I never had anyone reach out to me whether it be through phone or email or sending correspondence. Many people I know have been through this with the same company.
Product: Mortgage

My current loan should not have an escrow/impound account associated with it. ShellPoint servicing created one with no reasoning or justification to do so and my mortgage payment has increased {$1100.00}. Here is a timeline of events so far. 


XX/XX/XXXX : My insurance renewal date was due XX/XX/XXXX. I paid it online on XX/XX/XXXX. 

XXXX XXXX XX/XX/XXXX : Received letter dated XX/XX/XXXX from ShellPoint claiming they had not received renewal notification of insurance yet. 

XXXX XXXX XX/XX/XXXX : ShellPoint notified us that an escrow account was created and attached to our mortgage. Verified they adjusted by auto payment and increased it {$1100.00} On XX/XX/XXXX : I called customer service and spoke to XXXX. She created a customer service claim, and stated that this should be a quick remedy if the loan was never suppose to have an escrow account. She requested I send proof of payment for Homeowners insurance to an email account. Which I did that day. 

On XX/XX/XXXX : I called again to follow up as there was no change noted on their webpage portal. I spoke to XXXX XXXX and she reviewed the notes the prior claim established on XXXX was closed on XX/XX/XXXX with no resolution. She escalated the issue. 

XXXX XXXX XX/XX/XXXX : Received letter stating escrow cancellation request was denied for reason that the loan had not properly seasoned. 

On XX/XX/XXXX : I called again with my original loan advisor with whom I created the loan with. We first spoke to XXXX who eventually escalated us to XXXX a Manager. We were assured that management would be contacted and they would reach out to me to address the issue. 

Letter Dated XX/XX/XXXX : Stating my request for information of the loan owner and saying it belonged to XXXX XXXX XXXX XXXX and that ShellPoint had requested information from them to forward along to me. I never requested this information. 

XX/XX/XXXX : Monthly mortgage draft was made and the {$1100.00} increase was included. 

I have spoken to them over the phone for over 2hrs, written them emails. Shared the proof of renewal of insurance, Had my insurance agent forward the proper COI 's, and have also emailed them with the original Closing Disclosure, Escrow Waivers, and California Loan Impound Disclosure and Waiver. And they have yet to correct the error.
Product: Bank account or service

ATTN : CFPB TECHNICAL SUPPORT -- THE " SUBMIT '' BUTTON ON YOUR " DISPUTE '' PAGE IS STILL NOT WORKING. 
RE : CFPB # XXXX UNION BANK CASE # XXXX THIS CONSUMER FINANCIAL PROTECTION BUREAU DISPUTE IS IN RESPONSE TO XXXX XXXX XXXX ' LETTER OF XX/XX/XXXX. I AM DISPUTING UNION BANK 'S RESPONSE, AS IT ONLY PARTIALLY ADDRESSED MY ISSUE OF EXCESSIVE FEES CHARGED TO MY ACCOUNT. 
1 ) I was NEVER " notified on multiple occasions '' by Union Bank that monthly fees would be charged to my account. Nor, was I ever notified that I would no longer be eligible for a " XXXX Banking '' account. 
2 ) I NEVER received a " Union Bank notification letter '' in " XXXX XXXX '' at my XXXX XXXX, Calif. address, stating the new qualifications for " Signature Banking '' accounts, " beginning XX/XX/XXXX. '' I save all of my bank correspondence and bank statements ( much to my sister 's chagrin ). The only bank correspondence I have received was in XXXX XXXX ( from the Loss Prevention Dept. in XXXX, Calif. ) and in XXXX XXXX ( regarding the new chip and pin cards ). 
3 ) When I first asked a XXXX XXXX, Calif. Union Bank teller about the {$18.00} monthly fee being charged to my account, she said it was because I " did not have online banking, and that there is an {$18.00} fee for paper statements. '' I was reluctant to sign up for online banking at that time, as I have a 10-year-old computer and am on WiFi. I explained to the teller that when I got a new computer, I would sign up for online banking. When I continued to see {$18.00}, and then {$20.00}, monthly charges to my account, I thought that was due to the paper bank statements, as that is what I had been told by XXXX XXXX. 
4 ) My bank account was NOT " converted several times, '' nor was I ever notified by Union Bank, at any time, of any pending " conversions '' to a different type of account. The " Banking by Design '' account was only started because I had complained to Union Bank about the {$20.00} monthly fees. 
5 ) I have had direct deposit with Union Bank for nearly 16 years. When I first opened up my account in XX/XX/XXXX, a Union Bank officer, " XXXX, '' at the XXXX, Calif. branch on XXXX XXXX, told me that as long as I had direct deposit over a certain amount, that my bank account would remain free. 
6 ) I was referred by XXXX XXXX in her response to " page XXXX '' of a Union Bank document that I never received, entitled " All About Personal Accounts and Services Disclosure and Agreement. '' Once again, the only bank correspondence I have received was from the Loss Prevention Dept. ( XXXX XXXX ), and information on the new chip and pin cards ( XXXX XXXX ). 
7 ) I NEVER asked the XXXX XXXX Customer Service Center agent, at any time, to review 7 years of bank statements! I help to take care of my XXXX-year-old mom, and because of that, I am not always able to hold on the phone for very long. 
8 ) I still feel Union Bank discriminates against lower-income customers. We are the ones who can least afford your excessive fees.