23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

Experian showed XXXX reports from XXXX XXXX XXXX relating to alleged debts owing to XXXX XXXX. I disputed these accounts in XX/XX/year> and they were removed. Now they are back once again, the same entries. 
One account was paid and as to the second, I requested details which were not given. These are also alleged as medical debts and should not appear in any event.
Product: Mortgage

I submitted a refinance application with FirstCal bank in XXXX. I paid for the home inspection, submitted my paper work ( tax forms, XXXX, current loan statement etc ). I became suspicious of the process when they asked me for information that I had previously provided them multiple times but I really did n't know why they would try to delay the process. My wife and I have impeccable credit ( each & gt ; 760 ) and great debt to income ratio. On XX/XX/XXXX I was informed by the XXXX, the sales manager that the interest rate that I was offered ( 3.75 % ) was not going to be honored by the company. I asked him if my understanding of the loan agreement is that rate is locked in, if the rates went down I would still be locked in at 3.75 %, if the rates went up that I would get the 3.75 %. He affirmed that understanding is correct. However he said they were no longer willing to honor it. I contacted the bank 's President and CEO who says he will look into it. I am contacted by various people within the bank 's management who all agree that they will not honor the 3.75 %.
Product: Credit reporting, credit repair services, or other personal consumer reports

In summary, this was an inactive account to which an erroneous charge of {$4.00} was debited by a Vendor in XX/XX/2021. The account started incurring fees ( {$48.00} ) based on this erroneous charge. 

I was not aware of any of this activity until I received a call on XX/XX/2021 about the status of the account from Comentiy Bank Collections ( XXXX XXXX XXXX ) with whom I disputed the balance due to the non-use of the card. I don't believe they opened a dispute at the time, they continued the reporting. 

Subsequently, I had to contact the Vendor to get this matter investigated and resolved. The Vendor since has acknowledged their error and pushed through a credit to the account.

I spoke with Commenity Banks XXXX XXXX XXXX again on XX/XX/2021 who was kind enough to have the fees removed. They told me I have to speak to Customer Service to have the Credit Reporting History updated to remove any delinquency reporting. The discussion with Customer Service was not as fruitful as they advised they can not handle or make any corrections to the credit history reporting. After further inquiry they provided a dispute address. 

I am formally requesting for Comenity Bank to please adjust the credit reporting history removing any reported delinquencies as applicable for XXXX, XXXX, and XXXX. This charge never should have been charged and was removed by the Vendor acknowledging their mistake to my detriment and my credit history should reflect that accordingly as a XXXX balance account from XX/XX/2021 through year to date..
Product: Credit reporting, credit repair services, or other personal consumer reports

Account info Account name XXXX XXXX XXXX Account number XXXX Account type Account name XXXX XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX  Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX XXXX Account number XXXX Account info Account name XXXX XXXX  Account number XXXX Account info Account name XXXX XXXX Account number XXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Debt collection

Collection Agency Name : Nationwide recovery sys, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX balance : XXXX $ A letter was sent to the company to validate my account, on XXXX XX/XX/2022, And NO response my request.
Product: Mortgage

We began dealing with Regions mortgage lender, XXXX XXXX, on XXXX XXXX. We are first time home buyers and have had a terrible experience with our lender. She has told us on several different occasions in emails that she was going to overnight us sensitive material and eventually emailed the information for us to sign and scan back to her through email. She never explained any of the information we signed. We had to order our own home inspection because she kept telling us she would and never did. We signed documents that state our home was built XX/XX/XXXX, which it was built XX/XX/XXXX. We have been told it is our insurance company who she is waiting on to be able to order a closing date and when we contacted the insurance XXXX was told he too was waiting on a closing date. We confronted our lender and was told the closing date is taking so much time because we did not submit an employment letter until XXXX XXXX and again on XXXX XXXX. We have asked our lender to be honest with us and to communicate effectively with by keeping us informed about the loan process. We have contacted her supervisor, XXXX XXXX, who inquired about the loan process and was unsuccessful at getting a remedy for our problem. The home inspection was completed on XXXX XXXX and the lender did not have the appraisal ordered until XXXX XXXX. The appraisal was completed on XXXX XXXX and submitted his report on XXXX XXXX. We continue to wait on a closing date. We were never spoken to about the rate our loan would be nor the monthly payment. We have contacted the lending supervisor on XXXX occasions and the XXXX time she did not call us back after we explained to her about the lack of communication with our lender. We began this process on XXXX XXXX and it has been a nightmare. We have been told the lender was waiting on a FHA loan number and several other excuses for her lack of communication with us. We can not express to you how tired we are of dealing with Regions and feel our hands are tied because we want to close on our new home and it will take even longer to close if we use another lender. Our credit scores are XXXX and above. Please help us resolve our problem and prevent this problem from occurring in the future. We just want to close on our home.
Product: Payday loan, title loan, personal loan, or advance loan

I had a loan at Citibank, which I paid off They keep taking money out of my account that they cant provide that there is even a loan still existent even though I paid the loan off, it was an {$8200.00} loan that was paid off in XXXX but they are still taking money out saying that I have an outstanding balance, but I dont have a loan out with them anymore cause I paid it off, but they cant provide me any other info and I have contacted different people and they keep giving me the runaround and not letting me talk to the loan department
Product: Checking or savings account

MY MOM HAD PUT A CHECK INTO MY ACCOUNT AND I DIDNT KNOW UNTIL THE BANK CALLED ME AND TOLD ME THAT THE CHECK WAS NOT REAL SO I ASKED THE BANK WHAT SHOULD I TEY TOLD ME TO FILE A POLICE REPORT AND I SHOULD BE FINE AND THATS WHAT I DID AND THAT WAS NOT TRUE THE CLOSED MY ACCOUNT AND THEY REPORTED IT TO EARLY WARNINGS SYSTEMS I GOT LIED TOT HE WHOLE WAY AROUND
Product: Credit reporting, credit repair services, or other personal consumer reports

Macy's/DSNB # XXXX is reporting an account to my credit that should not be on there. I have paid this account off and it is still reporting a balance to my credit. This is a violation and I need it removed off my credit report.
Product: Checking or savings account

I found out that a bank account was open in my name with Bank of American I closed the account when I found out. My name was incorrectly spelled and used old address.
Product: Mortgage

In XXXX of XXXX my mortgage was being serviced by XXXX XXXX. I contacted XXXX XXXX because I was attempting to bring my mortgage to under 90 days late in order to seek refinancing elsewhere. As per the instructions of XXXX XXXX I sent a psyment to them in the amount of {$1000.00} to be used with the existing escrow refund of {$1200.00} that XXXX XXXX said was being held in unapplied funds. Per the agreement the {$1200.00} would be applied as a payment toward the XX/XX/XXXX payment along with the {$1000.00} I sent in. This then equaled a total payment bringing the account under 90 days late. However, on XXXX XX/XX/XXXX a pyment that had already been posted to the account was reversed and once again applied on XXXX XX/XX/XXXX. When my mortgage did not show as under 90 days late on my credit report I found that there never was an escrow overage and that my Eescrow that was paid in XXXX was used to hide this error. At this po0int in time I asked to be put in the Home Preservation Program to seek a modification to me mortgage. On XXXX XX/XX/XXXX the first filing of foreclosure was submitted in Violation of the Federal Dual Tracking Law. Additionally, the dsappearance of my escrow funds was never truthfully explained and the sevicing of the loan was tranksferred to XXXX in XXXX of XXXX with inaccuracies in the total owed. Additionall, charges were added that violated the Cares Act. My mortgage was in forbearance until 1 XX/XX/XXXX when foreclosing was once again started in XXXX of XXXX which is strictly forbidden by the Dual Tracking Act along with missed payments sent to the credit reporting agencies.
Product: Checking or savings account

Opened on XX/XX/2023, a new checking account for my sole proprietorship small business. An offer for {$700.00} was said to be available if making a XXXX XXXXXXXX deposit within 30 days of openkng and maintaining that balance from day 30-90 after account opening. Having met this requirement by making the required deposit on XX/XX/2023, and holding it through XX/XX/2023, I have yet to receive the promotional bonus.
Product: Money transfer, virtual currency, or money service

As of XX/XX/2021 I have send multiple emails to FTX US ( cryptocurrency ) to let them know that I have changed my email server, and cause of that I had to change my email which is the XXXX in my FTX US account ( XXXX ) my new email is XXXX. FTX US has responded with email that state I should wait 72hrs cause they are very busy, I have waited and gone thru the process of what the email they send me in what to do, but here is the cliche it takes me back to place another support ticket.I have funds in the acct and I can not access it. Reason Im reaching out to your dept for some help.
Product: Student loan

In XX/XX/XXXX Nelnet initiated and then cancelled a second payment to my student loan account, over and above the payment that I had already scheduled. Nelnet then marked my account delinquent, claiming that my loans were past due, even though I had paid the full amount due on time. When I called them, they claimed that my payment had been " misallocated. '' It took me three weeks, several hours on the phone with Nelnet, and a CFBP complaint to get them to " reallocate '' the payment, even thought he first rep I spoke to said it would take at most three days. My Statement from Nelnet dated XX/XX/XXXX shows all loans paid on time and a " current amount due '' of {$180.00}, due for payment on XX/XX/XXXX. I have already scheduled this payment, but nevertheless received notice from Nelnet on XX/XX/XXXX that my account is past due. Apparently Nelnet has once again arbitrarily " relocated '' or " misallocated '' my last payment, this time doing so after that had already issued my monthly statement reflecting that all loans were paid on time. The payment in question was for the full amount due, {$180.00}. It was made on XX/XX/XXXX. The statement, confirming a " Past Due Amount '' of {$0.00} was issued on XX/XX/XXXX ( see attached ). My account presently shows a past due balance of {$19.00}, even though my due date for this billing cycle is still three days away.
Product: Debt collection

This account was for XXXX but they took My Money and never confirm XXXX that we agreed to paid and delete now XXXX said I never paid plus why is my account being pass around
Product: Credit reporting or other personal consumer reports

I RECENTLY REVIEWED MY CREDIT REPORT AND NOTICED AN ACCOUNT THATS WAS NOT REPORTING ACCURATELY. I HAD LATE PAYMENTS ON AN ACCOUNT THAT I WAS IN FACT PAID ON TIME. ACCORDANCE WITH THE FCRA THIS CREDITOR XXXX  XXXX XXXX HAVE VIOLATED MY RIGHTS UNDER : 15 USC 1681 SECTION 602 WHITCH STATES THAT I HAVE THE RIGHT TO PRIVACY, FURTHERMORE 15 USC 1681 SECTION 604a SECTION 2 ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIOS.

15 USC 1681 SECTION 607b ACCURACY OF REPORT. WHEN EVER A CONSUMER REPORTING AGENCY PREPARES A CONSUMER REPORT IT SHALL FOLLOW REASONABLE PROCEDURES TO ASSURE MAXIMUM POSSIBLE ACCURACY OF THE INFORMATION CONCERNING THE INDIVIDUAL ABOUT WHOM THE REPORT RELATES.

XXXX XXXX, 30 DAYS LATE
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/22 the company stated they would have their trade line deleted from all consumer reports, however that has not occurred. Instead the CRAs are stating the account has been verified. How is the account being verified when the company failed to provide me with validation of the inaccurate reporting? Ive asked to be sent line by line itemization of how and when my credit limit increased from {$350.00} to over {$1000.00} and have not been sent anything. The company states they are not able to provide any assistance to this account because its not in their possession.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the TransUnion 's end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$4200.00} ; XXXX XXXX XXXX XXXX  Balance : {$7100.00} ; XXXX XXXX XXXX XXXX XXXX : {$1700.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$1600.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  XXXX ) XXXX  Balance : {$250.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX  Balance : {$90.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX  Balance : {$190.00} ; XXXX  XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX ; XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX ; XXXX XXXX XXXX : XXXX XXXX, XXXX ; XXXX XXXXXXXX XXXX Inquiry : XXXX XXXX, XXXX.
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 a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the disputed fraudulent accounts and information from my Credit File. It appears that my credit File has been compromised. I was going through my records & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the Credit reporting Agencies are required by law to remove any items which were found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for the Credit Bureaus and the bank 's records. Please block and remove these files. If the Credit Bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature. If the Credit Bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. So please comply with the law so this matter can be handled swiftly. Once again, I need you to please remove the following items completely from my Credit File : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX XXXX XXXX XXXX Balance Owed : {$1200.00} XXXXXXXX XXXX XXXX  XXXX Balance Owed : {$94.00} XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX If the Credit Bureaus claim that the disputed items belong to me, I need the Credit Bureaus to send me copies of proof of verification and or proof of ownership. In the event the Credit Bureaus can not prove that the disputed items belong to me, kindly remove these items completely from my Credit File.
Product: Student loan

I am having trouble with Fedloan serving and my income driven repayment program and my loans in general. Last year for XXXX I submitted pay stubs and schedule of retirement payments for my self and my wife 's pay stubs and payment was {$XXXX}. I did the same thing for XXXX pay stubs and schedule of retirement payments for myself and pay stubs for my wife. Payment for XXXX is {$XXXX}. No employment or pay changes for either of us I have called the Fedloan servicing trying to get an answer as to why, I can not get a good answer. Today I was told I will make {$XXXX} more in XXXX then XXXX. That is why my payment has changed. 

I receive around {$XXXX} a month retirement and receive {$XXXX} an hour working XXXX. My wife makes about {$XXXX} a day as a XXXX XXXX working the XXXX year. The last week of XXXX to first week of XXXX. 


The loans I have were also consolidated before they should have been. I was told they could not change this because it is to late. 

I seem to get different answers to my questions when I call.
Product: Credit reporting or other personal consumer reports

CITICARDS CBNA Credit usage 99 % Balance {$2900.00} Balance updated XX/XX/2024 Credit limit {$3000.00} The correct balance is {$1700.00} as we are refinancing and ask Citi to report the correct info.
Product: Mortgage

We currently have a VA loan taken out in XXXX. We applied for a refinanced ( lower interest rate, cash out ) VA loan through our current lender, Navy Federal Credit Union, in XX/XX/XXXX. We have submitted all the requested paperwork, went online and electronically signed everything they asked for, have been in contact with them the whole time, completed the pest inspection and appraisal in XX/XX/XXXX. Absolutely everything they required of us. Nothing has changed in terms of our income or credit, and we have submitted and resubmitted proof of income. It has now been SIX MONTHS and they keep saying our refinance is " in-process. '' Six months we have missed of lower payments, and still no end in sight or guarantee that this refinance is a sure thing. Six months of waiting to see and also missing out on refinancing through a different lender completely, and now the interest rates are going back up. 
What can we do about this? IS THERE A TIME LIMIT on how long a financial institution can take to " process '' a re-finance? In XXXX, they gave us an anticipated closing date of XX/XX/XXXX, and it is now a month and a half past that date and still no closing scheduled. Please help! My assigned loan officer is very uncommunicative to email or phone requests for updates. Her name is XXXX XXXX NMLS ID # XXXX
Product: Mortgage

I applied to a Colorado XXXX state program and they paid Freedom Mortgage {$17000.00} to bring the mortgage current on XX/XX/XXXX. Freedom Mortgage cashed the check, and put the funds into suspension. They have refused to apply the funds to the mortgage balance and are attempting to make me pay over {$19000.00} to bring it current ( additional interest, fees, and the new monthly payment ) and threatening to take my home. The state paid everything that was past due. Freedom Mortgage is stating they dont have to apply those funds because those funds are their own and not he state didnt pay this. They in fact did. Theyve stolen funds from the state of Colorado and are attempting to steal additional funds from me disguised as interest and fees and providing negative credit information as a result.
Product: Checking or savings account

Received a notice that a payment I never made had been canceled. I logged into my account and noticed an additional payment was sent via quickpay. I never sent the payment. Chase informed me they couldn't reverse the charge until I submitted a form for them to investigate. I am not clear on how this occurred in the first place and never received any notice about someone logging into my account. I would like the money refunded to my account