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

XXXX  ; XXXX and Transunion are reporting incorrectly on the LOANCARE - account number XXXX. ( Please see page attached from my credit report. ) This account has since been transferred. I filed for Chapter XXXX bankruptcy in XXXX and it was discharged in XXXX and I was released from the note on the property so this account should be reporting a {$0.00} balance as it was included in the bankruptcy. However, my ex-husband re-affirmed the loan and it was sold to a new loan servicer. In that transfer, there was an error and the new loan servicer ( XXXX XXXX ) is reporting a balance on my credit report. I have called and tried to talk to them to explain the issue however, I have not been successful. They said that because I was on the original note, they will continue to report this account. I explained that I have documentation to show I am no longer associated with the property in question however, they would not listen or even allow me to show them the documentation. I have attached copies of the paperwork showing that this property was included in the bankruptcy and should not be reporting a balance and/or even be reporting at all on my credit report. This incorrect reporting is harming my credit score and these line items need to be removed from my credit report. I have contacted the bureaus to fix this however, I have not been successful.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE ACCOUNT DISPUTED DOES NOT BELONG TO ME. I HAVE NO KNOWLEDGE OF THIS ACCOUNT AND I DID NOT GIVE ANY SORT OF AUTHORIZATION TO BE REPORTING ON MY CREDIT FILE. PLEASE HAVE THIS DEROGATORY MARK REMOVED OFF MY CREDIT FILE FOR IT IS CAUSING SERIOUS REPORTING DAMAGES.
Product: Credit reporting, credit repair services, or other personal consumer reports

Aldous and Associates broke all laws that follows including 20 USC 1232g ( b ). 15 U.S. Code 1681 ( a ) ( b ) ; 15 U.S. Code 1681b ; P.L 90-321 ( 82 Stat. 146 ) ; 15 U.S. Code 1681c ; 12 CFR 1022.3 and 15 U.S. Code 1681n. According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX, XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. ''
Product: Mortgage

My name is XXXX XXXX and I have been trying to purchase XXXX XXXX XXXX XXXX XXXX NC XXXX since XX/XX/XXXX. I am a single mother of a XXXX year old little boy and have been without permanent residence for over 8 months now due to an unclear title on this home. XX/XX/XXXX I went into contract with the seller, with an expected closing date of XXXX/XXXX/XXXX. A few days before closing my attorney tried to get title insurance and found that there was an additional loan of over XXXX on this home which is held by Chase Bank as well. These loans were recorded in XXXX County under Book # XXXX page # XXXX. My attorney reached out to the seller 's agent an after several days and phone calls to Chase Bank it was determined that the funds were owed and it became a short sale transaction. After waiting close to 6 months for the seller to be approved for a short sale, I was then told that my offer was accepted and to have my attorney request a second pay off amount from Chase Bank with an expected closing date of XXXX XXXX XXXX. My attorney requested the pay off amount again but received a call from the seller 's listing agent explaining that Chase contacted him, and told him it was not a short sale after all. My attorney at this time became uneasy because the title still shows a note of the additional loan and was told by the title insurance company that he would need something in writing from Chase explaining the pay off amount including both loan amounts. On XXXX XXXX XXXX fours days past my second missed closing date the sellers agent contacted my agent explaining that he and someone at Chase was working to get it corrected or something in writing so that we can close this deal but it would take 10 business day to do so. At this point my lender has given me until XX/XX/XXXX to close or my loan approval would expire. I then had to write a letter to me lender asking for more time and was granted until today XXXX/XXXX/XXXX to close. Two days ago my agent receives a call from the seller 's agent explaining that XXXX XXXX XXXX at Chase was working on it and was waiting on USDA even though Chase bank holds both loans. This is now the third closing I have missed and my loan approval will expire. I have invested money for XXXX appraisals and over 9 months of time with this home and Chase Bank continues to provide and not provide accurate information to close on this home. I am coming to you for assistance with this matter. I do n't think that a company should be able to provide XXXX incorrect pay off amounts and then not do what it takes to correct it. I still want to purchase this home and need for Chase Bank to provide or correct the status of the XXXX loan listed on the title. Chase has sent in a payoff that would have covered the closing in XX/XX/XXXX while holding a second loan that was not covered and this is my complaint and concern. Is this legal? I have been without permanent housing for over 8 months with my XXXX year old son. I have given all I have in this situation and have nowhere else to go. Thank you for your time and assistance.
Product: Credit reporting

I submitted my dispute to Transunion with all of the required identity verification. I received a letter from them dated XX/XX/2015 informing me that they would not conduct an investigation because I provided incorrect proof of address but I did not as you will see from the attached documentation that was notarized. I want Transunion to stop stalling and do what they are required by law to do under the FCRA.
Product: Debt collection

I had a gym membership with XXXX XXXX in XXXX, Texas on XXXX XXXX XXXX that began in XXXX of XXXX. In XX/XX/XXXX, the card I had on file was stolen and I notified the company of this issue. I then moved away from the area due to family matters and did not return to XXXX XXXX after this time. I was never notified by XXXX XXXX that I had a balance to pay or an amount I owed to the company. I was also never notified through the collections agency that they were attempting to collect a debt. I then received a credit notification that I had been taken to collections without my knowledge that a debt was attempting to be collected ( XXXX XXXX ).
Product: Checking or savings account

I have had my bank account frozen and fraud reports twice recently. 
Once on XX/XX/2022 for {$180.00}, {$570.00}, and {$350.00}. These transactions were not stopped until another {$180.00} purchase was made and then I was notified about these transactions. Being a XXXX XXXX, this almost wiped out my funds and although I did receive a reimbursement for the funds it took about a week, causing it to be very difficult to afford rent at the end of that month and go grocery shopping. 
Again in late XX/XX/2022 I had another incident, luckily this time I caught the pending charges and was able to have them reversed before money was taken out of my account. I am very careful with my card, so having it stolen twice in such a short period time without physically loosing the card did not seem right to me.
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 lagg

ed 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 an investigation into my account transactions. They have acknowledged it but I only get a fee back every o
nce in a while.
Product: Debt collection

Initial letter received from company, my response letter dated and sent XXXX, response from collection agency received and dated XXXX, my follow up response sent and dated XXXX No response from company regarding requested documentation of contract, bill or sale, legal owner of debt etc., they are not the only company trying to collect on debt as another collection agency also claims to own the debt as well.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 4th time submitting a dispute request via mail and via CFPB and nothing is being done here ... Please send me my disputes results via email immediately. 

At my demand request, if you are unable to respond in a timely manner and provide the above items, please remove the account ( s ) from my credit report to prevent further damage. If not verified, valid, or compliant, delete each account reporting in violation. 

XXXX XXXX- XXXX Not my account XXXX XXXX XXXX XXXX Not my account XXXX XXXX XXXX Not my account XXXX XXXX XXXX  XXXX Not my account Respectfully XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX Texas XXXX XXXX XX/XX/1988
Product: Credit reporting, credit repair services, or other personal consumer reports

Im honestly stumped. Regardless of how many times I claim to be the individual writing this letter it seems this message is truly missed. For the record, Im the one whos initiating this disputes under MY NAME. This item is UNKNOWN to ME. I dont get why youre claiming these are fraudulent or of a high risk nature. The documents Ive provided are legit. These are mine, filed with the appropriate agencies & support my position. Lets get the record straight!!! First of all I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, Ive never sent my documentation to anyone else which seems to be claim constitutes high-risk due to potential fraud. According to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Here is the list of this item which are UNKNOWN to me : XXXX XXXX Balance : {$5600.00}
Product: Student loan

I applied for the new SAVE plan XX/XX/XXXX. They said they would email updates that I never received. I called and spoke to a person on the phone and they said the application was in process, that the department of education told them to pause some applications due to an error. After calling, the notification on the site said my application was submitted XX/XX/XXXX instead of the original date with no timeframe for when it would be completed. I still have not received a single email update on the status of my application.
Product: Checking or savings account

This is in reference to : COMPLAINT ID XXXX SUBMITTED ON : XX/XX/2023 I am resubmitting my claim as Citibank did not have my other one in file. Complaint Summary : XXXX Friday, XX/XX/XXXX, deposited a settlement check, but discovered on Sunday, XX/XX/XXXX, that all accounts had been removed. 
-Contacted Citibank and was informed to wait until Monday to speak with the XXXX Department XXXX 
-Experienced inconsistent information from Citibank XXXX the issuer of the check, and the former employer 's attorney. 
-Citibank denies knowledge of a call made from a provided number, contradicting statements from the issuer of the check. 
-Despite being a recent graduate and social worker, concerned about being treated as having questionable character. 
-Attorney with Citibank XXXXad no trouble depositing a check from the same issuer, raising doubts about Citibank 's investigative process.

-Citibank 's failure to provide guidance or alternative resolutions led to the customer verifying the check independently. I requested previous statements from the bank teller that sent it back to the fraud department. As the fraud department did not have access to this information and shows I have received multiple checks from this company when I was employed here. 
-Faced difficulty in identifying the correct contact number for XXXX XXXX XXXX XXXX the issuer of the check. Even though the bank teller provided me with the number Citibank had on file. 
-Citibank told the issuer that the account was frozen because of an attempted cashing of the check, despite having proof of the deposit.

-Citibank is holding the customer 's money, refusing to provide any information or updates. 
-Was told a supervisor XXXX would be able to help me and there was a note in my file to speak with her. I was never connected to her or received a call back. When I contacted Citibank again asking to speak with her, they said there was no record of this. I have all conversations with Citibank recorded. 
-Citibank is telling me they still need the issuer of the check to call or have bank the check is issued from fight to get the money back with a hold harmless claim
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  XXXX 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: Debt collection

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/year> Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Alleged Debt To Whom It May Concern, I am writing to formally dispute any and all debts allegedly owed to your agency. I do not acknowledge nor have I ever incurred any financial obligation to the Consumer Financial Protection Bureau or any related entity. I request that you provide me with complete validation of this alleged debt, including a detailed accounting, the original creditors information, and any legal documents proving my obligation to pay. 

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), I demand that any negative reporting related to this matter be removed from my credit report unless you can provide verifiable proof that the debt is legitimate and lawfully assigned to me. Additionally, I request that you cease any further collection attempts until this matter is fully resolved. 

Failure to provide adequate proof of this debt within the required timeframe will result in further action, including filing a formal complaint with the Federal Trade Commission ( FTC ) and seeking legal counsel if necessary. 

Please respond in writing within 30 days of receiving this letter. If this debt is erroneous, I request immediate correction and written confirmation stating that I do not owe this debt. 

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

Six months after i earned an student loan inXX/XX/XXXX my identity was stolen due to an mistake by a Texas dmv worker, these loans from the dept of education are incomplete are in accurate. I was an XXXX XXXX who's XXXX  career & education was ruined once i moved to the state of Nevada in XX/XX/XXXX. I moved to XXXX in XX/XX/XXXX. Before XX/XX/XXXX my whole life was stolen.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of hard inquiries violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. , 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 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 p
erson 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

I have requested a debt validation letter on two separate occasions. For my own records, I did record the conversations of me requesting them. I have yet to receive them and am being continually harassed by this company. They went so far as to say that if I paid them, they would lie to the credit bureaus and have it removed. I asked for this in writing so I could report them and they stated they could only give a verbal agreement. Letting me know, they lack proof of this debt and this is simply an attempt to collect money from a working class American.
Product: Student loan

navient would contact me and my parents repeatedly trying to almost force us to pay on loans when i am not in a financial place where that is not possible i am barley able to keep head above water. my education has not helped me in the pursuit of financial gain at all and it is hard to keep optimistic when you are be hounded for the money that was given to help advance my career and therefore my wallet ... and the manner to which navient attempts to collect is almost mob like so many calls and does not matter what is noted in account the calls and the their way of talking to customers is ridiculous and unacceptable!!
Product: Money transfer, virtual currency, or money service

Amount ( XXXX ) i call several times to capital but he not gave me wire transfer in my account my fund are hundred percent legal my XXXX payout my bit mistake my account is personal but the payment is business but XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

We paid our XXXX 's account off early ( Amount : {$1100.00} Date : XX/XX/2020 ) and have asked that they remove the recent 30 day late payment in XXXX, 2020 due to financial hardships but they are not working with us. We were trying to get through these recent hard times and trying to save and purchase our first home but this is affecting my credit so much and I find it extremely heartless that they won't find it in theirs hearts to delete the negative information especially because they've got their money we owed them and paid it off even earlier than expected. Can you please tells us what other options we have or please help us out to get a resolution?
Product: Credit reporting or other personal consumer reports

I am writing to formally file this follow up regarding the incorrect reporting of late open accounts on my credit report. Despite multiple attempts to resolve this issue through direct communication with the credit reporting agencies and creditors, the errors remain unresolved. Given the persistence of these errors despite my efforts, I am seeking assistance from you to : 1. Conduct a thorough investigation into the reporting of these accounts. 
2. Ensure that the credit bureaus and the creditors involved take the necessary corrective actions to accurately reflect the account statuses as closed with timely payments. 
3. Provide a clear resolution and timeline for the correction of these errors. 
I have attached the documents to support my complaint. Accurate credit reporting is critical, and the continued presence of these errors is causing significant harm to my creditworthiness and personal stress. Despite my repeated efforts to correct these mistakes, the credit reporting agencies have not fulfilled their obligations under the Fair Credit Reporting Act ( FCRA ). I am relying on you to intervene and ensure these inaccuracies are rectified promptly. I am asking for your help to correct the following accounts : XXXX XXXX XXXX XXXX Balance Owed : {$260.00} ; XXXX  XXXX XXXX Balance Owed : {$380.00} ; XXXX XXXX XXXX Balance Owed : {$1100.00} ; XXXX  XXXX XXXX Balance Owed : {$680.00} ( Date Opened ) = XX/XX/year> ; XXXX  XXXX XXXX Balance Owed : {$330.00} ( Date Opened ) = XX/XX/year>.
Product: Money transfers

In regards to case XXXX Paypal has locked me out of my account. They tell me to access my account to see their response yet they conveniently locked my out of my account after you sent them my complaint. 
My husband is XXXX XXXX and your autofill put his name instead of mine. He is still allowed to discuss this issue and has my full permission as he knows all the facts and the credit card used was in his name also.. He is a licensed attorney and Paypals excuse to not discuss this further is not a solution. Paypal has my phone number, mailing address and email. Yet they still wo n't communicate and instead send unrepliable emails telling me to log in to my account to discuss this with them yet not allowing me to login to my account.
Product: Vehicle loan or lease

I have a loan with SANTANDER. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and SANTANDER with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I split my mortgage payment for XXXX. I paid {$1000.00} on XX/XX/XXXX from my checking account through the bill pay account and {$1500.00} on XX/XX/XXXX to XXXX XXXXXXXX XXXX the holder of my mortgage. XXXXXXXX XXXX XXXX mailed the payments in the form of a check back to me in XXXX stating that they do not accept split payments. I called XXXX to request that my XXXX payment is not reported late to the credit bureaus because I wasn't aware that I could not make split payments. A request was submitted on my behalf and I learned denied because the full payment was received on XX/XX/XXXX, even though XXXX 's collected the amounts and returned them to me by check. I am asking that my XXXX payment be recognized as on-time. Thank you, XXXX XXXX