23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

My XXXX and I have ( had ) multiple accounts with simple [ bank ] and our accounts were suppose to ( seamlessly ) merge in to XXXX compass ( theyve had a very long time to perfect this transition ) this morning was the date and they complete XXXX it up leaving all simple bank members with XXXX access to our accounts/funds ; moreover we were given no follow up email. I and many resorted to XXXX to find info. The only option they gave us was to call ... which is how we all spent our day, on hold, only to be disconnected. After all this the only thing we have is an apology via XXXX and telling us that we can now spend our XXXX ( XXXX XXXX ) on hold with their company again to attempt to gain access to our accounts and funds. We are quite concerned at this point and like my XXXX and myself we have paychecks that go in to a newer account and an additional account for certain bills, that are automatic, and require moving money in to it and I can do nothing about it. This should have had a fix done today. This should have been done in batches to prevent this and nobody should have to spend their entire weekend on hold with a bank that doesnt even care to send us correspondence, updates and assurance for a mistake of this caliber. XXXX must be held accountable for this. The moment I have access to my money again I will be moving it elsewhere. This is absolutely unacceptable
Product: Credit reporting, credit repair services, or other personal consumer reports

AFTER CHECKING MY OTHER CREDIT REPORTS IT LOOKS LIKE XXXX XXXX DEALER SERVICES HAS REPORTED ME AS BEING 30 DAYS LATE ON MY CAR PAYMENT FOR THE MONTH OF XXXX A PAYMENT WAS SENT TO THEM IN XXXX WHICH THEY POSTED ON XX/XX/XXXX. THEN IN XXXX THEY RECEIVED A FULL PAY OFF FROM MY INSURANCE COMPANY FOR A TOTAL LOSS. THIS PAYMENT WAS RECEIVED ON XX/XX/XXXX. I HAVE A FULL CALL RECORDING OF THE REP FROM XXXX XXXX VERIFYING THIS FOR ME. IF THEY RECIEVED A FULL PAYOFF AMOUNT THAT THEY GAVE MY INSURANCE COMPANY THEN HOW CAN THEY REPORT ME AS BEING LATE WHEN THE CAR WAS PAID OFF. 

THIS IS JUST ANOTHER REASON WHY XXXX XXXX AS A WHOLE SHOULD BE INVESTIGATED FOR TRYING TO COMMIT FRAUD AGAINST A PERSONS ACCOUNT. THEY HAVE SOME ILLEGAL REASON FOR WANTING TO REPORT MY WIFE AND I AS BEING LATE WHEN WE WERE NEVER LATE BY FCRA STANDARDS OF 30 DAYS LATE. 

I HAVE REACHED OUT TO XXXX XXXX XXXX OFFICES AND ONCE AGAIN ON A RECORDED CALL THEY VERIFY THAT I WAS NEVER LATE ON MY PAYMENTS AND YET THEY DO NOT WANT TO REMOVE THE 30 DAY LATE AS THEY KNOW THAT IT HURTS MY CREDIT FOR THAT TO SHOW UP EVEN THOUGH IT IS ILLEGAL AND INCORRECT. 

CALL RECORDINGS DO NOT LIE. THEM CASHING A CHECK FOR THE FULL PAY OFF BALANCE DOES NOT LIE BUT YET XXXX XXXX DEALER SERVICES REPORTS MY WIFE AND I AS BEING 30 DAYS LATE EVEN WHEN NO CAR PAYMENT WAS DUE FOR XXXX DUE TO THE CAR BEING PAID OFF.
Product: Credit reporting or other personal consumer reports

In accordance with the fair credit reporting act XXXX XXXX, XXXX XXXX, and XXXX XXXX has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 a section 2 also states a consumer reporting agency can not furnish my rights account without my written instructions. Under 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 or other personal consumer reports

I experienced multiple data breaches and identity theft, which compromised my personal information. Despite suing Experian several times, they failed to conduct reasonable investigations. Instead, Experian chose to suppress my credit file, removing it from commercial use. This action violates my XXXX and XXXX Amendment rights to due process and equal protection, as it prohibits other entities from using my consumer information. Consequently, I have been deprived of my rights, liberty, and property without due process. Due to the suppression of my credit file, I am unable to purchase a house or automobile.
Product: Credit reporting or other personal consumer reports

upon reviewing the records, I have identified several discrepancies and potential violations of both state and federal laws, including the Fair Credit Reporting act ( FCRA ) and possibly the FAIR DEBT COLLECTION PRACTICES ACT ( FDCPA ). These include but are not limited to. 

1. inaccurate or misleading information : the account details reported do not match the agreement, including different inaccuracies reporing differently on all XXXX credit bureau XXXX some dates aren't the same, incorrect balance that's reporting differently. 

I have also initiated with the XXXX  XXXX XXXX XXXX ( XXXX ) to report this matter, as I suspect additional violations of state regulations regarding vehicles sales or financing practices. If the discrepancies are not corrected promptly, I am prepared to escalate this matter further by filing a compliant with : FEDERAL TRADE COMMISSION ( FTC ) to resolve this matter without further escalation, I demand the following withing 15 days of receipt of this letter : 1. immediate removal of the inaccurate charge-off account from all credit reporting agencies ( XXXX, XXXX, AND XXXX. 

2 Written confirmation that the negative reporting has been removed and will not appear in the future. 

failure to comply with this demand will leave me no choice but to take further legal and administrative actions to protect my rights and reputation, including filing suit for damages related to your violations of the FCRA and FDCPA.
Product: Credit reporting or other personal consumer reports

Under, 15 U.S Code 1681 ( 5 ) ( B ) ( ii ) ( iii ) ( 5 ) Treatment of inaccurate or unverifiable information ( B ) Requirements relating to reinsertion of previously deleted material i ) Certification of accuracy of information if any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency.

ii ) Notice to consumer if any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than 5 business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency.

( iii ) Additional information As part of, or in addition to, the notice under clause ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( l ) a statement that the disputed information has been reinserted ; ( Il ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( Ill ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information.

I was not notified of the reinsertion of these previously deleted items within a 5 business day time frame, nor was any of the additional information outlined above provided to me. As a consumer by law, I demand that you delete these reinserted items from my credit report. 
Accounts : XXXXXXXX XXXX XXXXXXXX XXXX  This account is being reported inaccurately, please remove this from my credit report immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to get my credit pulled due to a bill I received in the mail. I have never heard from the place before, I immediately suspected identity theft. When I reviewed my report I was caught by surprise on a couple of derogatory items that I have never opened in my life. The things listed on my applications are not mine. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : DEPT OF ED/XXXX, XXXX  XXXX XXXX, XXXX, XXXX XXXX. 
Company Inquiries XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX  XXXX  XXXXR XXXX  XXXX  XXXX XXXX. XXXX XXXX XXXX  XXXX XXXX  XXXX  XXXX  XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm reaching out again to you all about several accounts and things on my credit that is not mine. I'm still not able to do anything because of those accounts. Since I didnt get much help from the companies I went and spoke with my brother who is an attorney. I do not have any relationships with these companies and was advised to contact FTC. Please remove these fraud accounts from my credit immediately. The accounts are XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. There are also several Bankruptcies on my credit so I called the XXXX  Dist of Bankruptcy Court and they stated they do not have any data on my social security number regarding any Bankruptcy Petitions or Filings. The lady at the clerk office told me to call some company called XXXX XXXX to double check and they said the same thing. No records. The bankruptcies are XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX. I really want to know how in the world did all these bankrupcies end up on my credit. They are showing on XXXX  and XXXX  but not equifax so how is this even possible. How is this even possible? I need answers? Its already and pandemic going on and this is not helping me mentally, physically and emotionally. I am doing this on my own behalf for now but if need I will get my brother who is a lawyer in XXXX. He advised me to reach out to you all first. There are also some addresses on my report that is not mine 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: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I 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 theses practices are unfair and request an investigation into my account.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccurate information that is being reported on my credit report. 

Specifically, the following items are incorrect and are negatively impacting my credit score : Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$0.00} Reason : I dispute the missed payments and late payments on this account. Please provide statements and records of all payments made and missed since I opened this account. 

INQUIRIES 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 XXXXXX/XX/XXXX TRANSUNION XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  on XX/XX/XXXX These items are either inaccurately reported or have already been resolved, and I kindly request a thorough investigation and correction. I have previously contacted both the credit reporting agency and the data furnisher, but the issue persists. I have attached supporting documentation and screenshots of my credit report to highlight the inaccuracies and support my claim. Please investigate this matter promptly and update my credit report to reflect accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The information is not information relating to any transaction by the consumer/creditor. I've been a victim of identity theft and did not make the charge. The account listed should be blocked, removed and suppressed for this is fraudulent. Fraudulent Account : XXXX XXXX XXXXXXXX XX/XX/2018 {$700.00}.
Product: Debt collection

I am receiving phone calls from someone names XXXX XXXX with NRS Mediation claiming i owe money from a payday loan. I told her i don't owe anything for payday loans, but if she would show me any sort of documentation verifying this so-called debt i would be happy to review and pay off. She then threatens that i have been sent documentation many times, which i have not. Then threatens she will just file paperwork with court system to have my wages garnished. At this point i said if you will not show proof of debt i am hanging up, which i did. She is now calling my family members telling them that I need to call her back. This needs to stop. 

Persons name is XXXX XXXX, caller id says her number is XXXX, but when she calls my family she says to call her back at XXXX XXXX XXXX.
Product: Credit card or prepaid card

I have been a XXXX to Discover Card for years. I only use it for emergency purposes, and my account is automatically debited for payments, so I'm never late. Although I pay every month, on time, my balance never decreases, and the minimum payment on the account always increases. My credit rating is good, and I don't use the card much. However, because of the high interest rate on the card, my account balance never goes down. Except for one time, when I paid off the account completely, I can never pay off the account. I called DISCOVER to discuss this situation, and they transferred me to their " XXXX XXXX '' department. I spoke with XXXX. She asked me if I could pay more - my minimum payment is already in excess of {$200.00} / month. I asked if she could lower my interest rate ; she indicated that she was not authorized to lower the rate on my card. She stated that she could only lower the interest rate on new purchases. Discover Card charges a usurious rate of interest. DISCOVER automatically debits my bank account each month, but my balance NEVER goes down, and my monthly minimum ALWAYS increases because of the exorbitant interest rate they charge.
Product: Checking or savings account

on XX/XX/XXXX i made a {$100.00} payment to my credit card company using my navy federal checking account XX/XX/XXXX i was charged an insufficient amount fee when i had the money to pay they just didnt release it on time. the fee is {$29.00} causing me to now have to pay more money to pay my bill
Product: Mortgage

I reported this problem to the company on XX/XX/XXXX and again in this email on XX/XX/XXXX : Hello, I had a very troubling conversation with one of your employees that I have outlined below. He was trying to steal thousands of dollars from me and my wife. I assume that you can review the recording. What are your thoughts? 
Thank you -- -- -- -- -- Forwarded message -- -- -- -- - Date : Thu, XX/XX/XXXX at XXXX XXXX  Subject : Re : Caliber Home Loans Refinance To : XXXX XXXX XXXX  Ms., Thanks for your email. I believe the conversation that I had with your associate and the information I received may fall under the umbrella of predatory lending. At very least it is definitely unscrupulous and immoral. I suppose I should turn this over to the Attorney General or some other governing body to see what they think. 

Your representative quoted me 3.25 %, which is the going rate, plus {$1500.00} in closing costs, also about the going rate. He also wanted to sneak in an astonishing 3.5 discount points, hoping perhaps that I would not notice or understand. He assured me it was fine because it could come out of the equity and not cash I had to bring to the closing. I asked him for the resulting APR and he said he could not provide it. He went on to say he could potentially do better on the points but it would not be reflected in the paperwork. He tried to sell me a loan at an unbelievably high price that would have been far worse for me than what I already have. He was evasive and dishonest. 

My local bank confirmed a refi should be at 3.25 % with closing costs between $ XXXX {$2000.00} with 0 points. 

I could not be more disappointed in Caliber Home Loans. 

Is there a governing body or supervisor that you can please refer me to? 



On XX/XX/XXXX the company responded : The Customer Resolution Department at Caliber Home Loans , Inc. ( Caliber ) received your recent inquiry regarding a loan application in which you feel may fall under the umbrella of predatory lending. Caliber is dedicated to ensuring that our customers have a positive experience throughout the loan process. 

On XXXX I replied : Thank you for your email. Have you completed your review and research? 

The company did not reply The company sent me follow up applications documents dated for XX/XX/XXXX. That might be the date that I first spoke to them about the refinance. The loan documents did include the 3.5 discount points that were proposed during the call.
Product: Student loan

My PSLF count is currently XXXX. Mohela placed my loans into forbearance due their administrative error. This forbearance caused XX/XX/XXXX to be erroneously labeled as ineligible for PSLF. Once this error is corrected, I will have XXXX PSLF months and be eligible for forgiveness. Mohela rep told me on XX/XX/XXXX that this error can not be corrected for another XXXX business days. Rep also told me that I am not eligible to apply for forgiveness because I have XXXX payments. That ludicrous processing time will cause me to have to make more unnecessary payments and recertify my income.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX was previously my mortgage company and has reported multiple late payments on my credit report. In XX/XX/2019, XXXX XXXX  became my new servicer. I have appealed to XXXX to correct this incorrect information, which is interfering with my ability to get a new mortgage, but they said they can not because they no longer service my mortgage. XXXX refuses to correct this information because they said they were not my servicer during this period. I need XXXX to immediately correct this incorrect mortgage information with the three credit reporting agencies immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a bankrupty on all 3 of my reports. I have never had a bankruptcy. I filed one then went back within 3o days and withdrew it. I feel it is unjust and it has caused me severe hardships so much that I couldnt care for my dad so he passed. I went XXXX  and stayed XXXX  for years because I couldnt find decent housing. It is not right or fair for me or anyone to hav e to go thru the same harsh punishment for filing a bankruptcy but never being declared or more less, never going in front of a judge. Just never persuing it at all, and a person that filed, went to the judge, got their bills erased, was declared bankrupt, and was under the laws of bankruptcy and eventually was released. It is unjust for the two different scenarios to have to go through 10 years of negative reporting. why does the credit bureau have the right to tarnish me and my name for something that never took place. Filing and being declared bankrupty is 2 different things. Filing to be declared bankruptcy isnt what I had or have. I filed just to start paperwork however, never finished the paperwork and was never declared. Yet my life has been ruined in many areas for the past 9 going on 10myears. Why do the bureaus have the right to abuse their power and who gives them this right? My life ruined because of power and money. They have no idea what it has done to my XXXX XXXX. my XXXX XXXX, and my financial health.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a mortgage with XXXX XXXX XXXXXXXX that was late and I used a federal home loan modification program to refinance with XXXX XXXX XXXX XXXX I have never been late with the XXXX XXXX XXXX XXXX mortgage. My XXXX  report shows that I have been on time but XXXX  and Experian show that I have been late. I have disputed this various times with the credit bureaus and bank. They say that the late payments are valid even though they are not. This serious delinquency has prevented me from qualifying for a personal line of credit and credit card even though I have been on time since I refinanced 5 years ago.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX continue to furnish information on the report. Continue to request documentation, however, the company failed to comply according to FCRA, IF company failed to verify request please remove tradeline off the credit report.
Product: Checking or savings account

I am reaching out today due to cash app and the issue that I accrued I closed my account in XXXX of 2023 due to cash app returning payments of my bills I paid since cash app is considered a cash card it was automatic and a day or two days later Id get a return id call all the places my bills were at and they said it was taken back from cash app, for no reason, leaving me with many issues of return fees adding to my bills, I said I had enough and needed a real bank and called XX/XX/year> to close my account and which I did the man said my account is closed I asked can I can an email to confirm it the agent said since we arent a bank we dont do that, I said okay trusting it then a week ago I receive an email from cash app stating I had XXXX $ or more in stocks and by XX/XX/XXXX a tax form would be ready I never ever opened up stocks I was confused and concerned I called I asked the agent why am I receiving an email from you guys I do not have account anymore and I never owned stocks the agent said he wouldnt disclose my own information to me because my account was locked nor would he unlocked to let me see what they are filing under my social security number and I was extremely shocked due to that my right of information as I didnt open stocks as well as I closed my account and the agent then hung up as I they filed a tax document of fraudulent information of me and put my credit and taxes at risk with the irs and well as not letting me to see my own personal information to see what the placed on my name without me knowing. I would like cash app to explain on why stocks were in my name as I did not open any stocks in my name anywhere nor would I. And to do what is right.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed two disputes with XXXX. 
1. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX XXXX. File date- XX/XX/2020. Results date- XX/XX/2020. Report Number : XXXX The answers were the same for both : Comment : Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ). 

Reinvestigation Info : This item was updated from our processing of your dispute in XX/XX/2020. 

I explained that this company is not mine in my first dispute. Only reason I found out about this company was because I found it on my credit report. Later I received a letter from the company my account was actually sold to. They never reported on my credit account. XXXX XXXX verified this information for me. So, I filed another dispute with XXXX   letting them know that this company should not be on credit report. They replied with the same result. 

Nothing is being done by them. I sent a letter to LVNV funding, that they do not have right to charge or report this false information on my credit report. 

Then I received a letter dated XX/XX/2020 from XXXX XXXX XXXX XXXX telling me to send a payment of {$7700.00} on behalf of their " current credidor : LVNV Funding, LLC. 

I am replying to them disputing the notice they sent me. 

Please help me fix this. It is severely hurting my credit score.