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

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX XXXX Sections XXXX, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following inquiries listed below are still reporting on my Credit Reports and need to delete immediately : XXXX XXXXXXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX I Date of inquiry XX/XX/XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX
Product: Mortgage

I believe that Shellpoint Mortgage Company has violated a code of ethics. They have collected overpayment from my mortgage payments and can not provide a specific answer as to where the funds have gone and why my balance remained the same despite catching up my payments. Also, they charged a fee of {$350.00} for a loan modification application which was not even reviewed due to supposed missing pieces of information. At no point was I made aware that there was a fee for applying for a modification. If I need loan assistance it seems underhanded to charge an excessive fee on top of what is already owed.
Product: Debt collection

I am unaware of XXXX XXXX XXXX  much less the collection agency Midland Credit Management Inc., this is not mine and will work the credit agencies to remove. I would like to see what it's for and a purchase agreement.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act ( Account, 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: Credit reporting, credit repair services, or other personal consumer reports

This is my 5th request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX DC XXXX XXXX XXXX XXXX XXXX, DC XXXXXXXX XXXX XXXX  XXXX Balance : {$10000.00} XXXX XXXX Balance : {$4900.00} XXXX XXXX Balance : {$0.00} XXXX XXXXE XX/XX/2022
Product: Checking or savings account

In XX/XX/XXXX I deposited funds to my Health Savings Account with Optum Bank through XXXX XXXX XXXX. That deposit was credited to XXXX. For tax purposes those funds need to be credited to XXXX. XX/XX/XXXX filled out the deposit correction form e-mailed, downloaded, faxed and regular mailed the document. It's a very simple change request. I've received several messages making me believe they don't understand this simple request. The times they have appeared to understand the request they tell me it will be taken care of and it has been escalated. When I call to follow up I get put on hold and disconnected. Today, XX/XX/XXXX I was transferred twice, put on hold for over 40 minutes then disconnected.

This company, Optum Bank, should not be allowed to handle peoples money.
Product: Credit reporting or other personal consumer reports

I have asked Equifax to investigate inaccuracies inconsistencies and incomplete information several times now. Each time they update and verify information that is clearly in violation of FCRA including a duplicate account which I will include in attachments. I also asked for a description of the investigation completed which I still have not gotten. I will include attachments to show the inaccuracies and incomplete information Equifax is reporting. Equifax is hindering my ability to obtain credit.
Product: Debt collection

I am a victim of Identity Theft and this what happened. On XXXX, XXXX, after I pulled my credit report, I found out multiple accounts that did not belong to me, right after doing my own research, months later, to be exact on XXXX, XXXX, I submitted my first dispute to the credit bureaus, after about three weeks a received replies from them requesting me to file a Identity Theft Police Report, so I did. On XX/XX/XXXX I filed my Police Report, with the report in my hands, on XX/XX/XXXX, I started my dispute journey but this time I included my Police report. I did not send my disputes to the credit bureaus very often, since I am always busy, but so far since that time to date, I have submitted my package of Identity Theft at least four times.

Unfortunately, I recently received multiple collection letters trying to collect on alleged debts that I really do not have any idea of. One of those collection letter is the one with RADIUS GLOBAL SOLUTIONS.
Product: Student loan

I made payments to Tuition Options for a loan not covered by XXXX XXXX as explained by the financial department by the now Closed XXXX XXXX in XXXX, CA. I personally XXXX payments of XXXX and XXXX payments of XXXX. I called Tuition Options, and they said my account was now closed and they did n't know how or if I would get my money back. 
I received a letter saying my student loan would be discharged and payments that I had made to XXXX would be refunded. Well in XXXX I was refunded XXXX payments of XXXX, and XXXX payment of XXXX. I called the department of education in XXXX, CA, The Bureau For Private Postsecondary Education, Consumer Financial Protection Bureau, and the Student Aid Commission. Each one of them could not do anything for me. They all had me call other numbers. I explained that the school was now closed, and no one seemed to have an answer for me. Since I received refunds from my big student loan, why ca n't I received a refund from Tuition Options. Their number is XXXX.
Product: Student loan

XX/XX/XXXX called Heartland about my loan through mass no interest loan I was trying to find out if it could be updated to the national data system to be included for my tpd they said they couldn't they told be call the original leaner they gave me a number the company never hear of me call the school I went to find out information gave me little nelnet couldn't help me much either until information updated very stressed please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

I was shocked when I reviewed my credit report and found late payment on the dates below : Creditor : XXXX XXXXXXXX XXXX Account # XXXX I was never late, 30 days XX/XX/2020. 

Im not sure how this happened, I have always made my payments on time to you when I received my statements. My only thought is that there was a billing error with my statement.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was reviewing my credit report and noticed some un authorized accounts being reported and are extremely hindering. I have contacted the company over 30 days ago and still haven't gotten a solution, nor have I gotten a response. That is very unprofessional and it isn't fair that I have so go through this for something I didn't do. To verify, I submitted a photo of myself holding my ID and a proof of address as well. Please review, verify and remove these negative items from my credit report ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX My Account was closed by XXXX EXETER FINANCE LLC then reopened with XXXX XXXX, My payment history is incorrect, therefore damaging my credit score
Product: Mortgage

I closed on a new construction property in Florida that is part of a Community Development District with a 30-year bond payment and O & M fees that are billed annually on my tax bill. While these fees were disclosed to me at contract and included on the first Loan Disclosure, there was a mistake made on later disclosures which reduced the total CDD amount from {$2500.00} to {$230.00} per year in the escrow estimate. The final loan disclosure at closing also had this error. I used this information from the loan disclosures to budget my annual mortgage payment and then made a decision to change from a 30-year term to a 15-year term. Once my first tax bill was sent at the end of XXXX, I realized that the CDD fee is a separate amount, above and beyond the property tax which was not properly explained or disclosed in any of my closing documents. In fact, the mistake is captured on an Unimproved Tax Disclosure which was signed at closing. The end result is my escrow account was short {$9800.00}. The mortgage company did notify me to send an extra {$410.00} per month to account for the difference in taxes assessed at closing on raw land vs what would be billed in XXXX on the improved land. This equals {$4900.00}. Because my escrow was in further shortage, I sent {$6700.00} to escrow in XX/XX/XXXX. But my escrow is still short plus required reserves resulting in my mortgage payment increasing by nearly {$800.00} per month in XXXX. I believe my mortgage in XXXX and beyond will be well above what was disclosed on the final loan closure due to this CDD error which DHI Mortgage has admitted making. The mortgage company has agreed to compensate me for just over {$2000.00} which represents 14 months of what they calculate the CDD error to include. I believe their mistake impacts me for the 30 years of the bond payment. Even after closing this mistake continued with an email in XX/XX/XXXX which is attached. Lastly, my loan was sold from DHI Mortgage to XXXX XXXX lending effective XX/XX/XXXX. To my escrow shortage is being paid to this lender.
Product: Mortgage

XX/XX/XXXX Mr Cooper sent me an email with a video of my escrow change and their error of a shortage of almost XXXX. I used the live chat to determine when that goes into effect and it's XX/XX/scrub>XXXX  So no notice whatsoever. My taxes have barely changed over the past year and my insurance has also not changed much. So even if I shell out the escrow shortage they somehow calculated wrong, I still owe the highest mortgage payment I've ever had with no notice and no correct explanation as to why such a hefty increase. The tax total they spouted out is not the bill I received nor has it ever been that amount in my entire existence of home ownership here. That is a gross error on their part. I'm now stuck paying almost double for a FIXED RATE MORTGAGE because they are negligent. Not like I can shop around either, but they of course can buy my mortgage and XXXX me over at the first opportunity. All I hear are about the class action lawsuits and shady business practices from this company as well as their name changes... convenient. I have provided documentation as to the tax documents... of course it's a ticking clock that they can take their good old time with though ... advance notice should be a requirement with communication. They have no issue bothering me via calling my phone or email for nonsense refinancing efforts and spam messages, but close to nothing when it comes to increasing my payment to almost double what I pay now. Disgusting way to handle your customers that literally get stuck with them through no choice of their own.
Product: Credit reporting, credit repair services, or other personal consumer reports

A while back I lost my purse with all my personal information inside. I didn't think much of it and just went to get a new social security and DL. I continued with my everyday life and never had an issue. Just a couple of days ago I decided to pull my credit because I continued to get suspicious letters in the mail. I looked at my report and I'm shocked with the number of items that were opened on my name. These suspicious items are not mine. Please remove them from my report. 

XXXX  XXXX {$31000.00} XXXX XXXX {$6000.00} XXXX  XXXX {$7000.00} XXXX XXXX XXXX {$3800.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have two student loans which had originally been serviced by XXXX XXXX XXXX and XXXX ( or XXXX  ). The loans servicer was changed to XXXX in XX/XX/2020. My Experian Credit Report now shows the incorrect information. Rather than two loans that have been closed at XXXX and two loans still open with XXXX, it shows 4 loans open at XXXX. It appears that they have the correct information duplicated, as there are two nonexistent loans showing up with exactly the same information as the ones I do have. This is not correct and I have tried to dispute the issue multiple times without the duplicate information being removed. I also tried to contact XXXX, who confirmed they reported the proper record to Experian.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Subject : Request for Deletion of Incorrect Name Spelling and Inaccurate/Incorrect Addresses Pursuant 15 USC 1681 ( a ) ( 4 ) Dear Experian, I was just looking over my credit report and found some addresses that appear to be incorrect. Pursuant to the Fair Credit Reporting Act 15 USC 1681 ( a ) ( 4 ), there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a request for the consumers right to privacy. Ive enclosed documentation providing proof of my current and correct address, as instructed to do on your website. To make your process of deletion easier, here is a list of the incorrect addresses that I am currently seeing listed. Which I would like removed. 

Incorrect Addresses XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX There should only be one address listed on my credit report , which is listed above I also noticed that my name appears to be misspelled on my credit report. My name only has one correct spelling, and there should be no variations. Once again, in order to make the process easier, heres the incorrect spellings I listed below. 

Incorrect Names XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please remove inaccurate addresses and names listed above Once you have deleted the inaccurate addresses and names from my credit report, please send me a copy of my updated report Thanking You In Advance Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received two emails from XXXX XXXX about two hard inquiries. I did not authorize either of these inquiries. One inquiry is from XXXX XXXX and the other is from XXXX XXXX both took place on XX/XX/2021. When I called each bank they explained that someone had put in an application for a loan but due to this being fraud and identity theft each bank stated they will deny the application and that no money was dispensed to any person. I later proceeded to check my credit report on each credit bureau website. I am currently trying to dispute these two hard inquiries as I stated I did not authorize these loans. I did not give any person permission to use my personal information.
Product: Debt collection

I opened an account sometime last year, and I had to move all the way from XXXX to XXXX. Because of that I lost my job, obviously, and I 'm trying to find a new XXXX. I get calls from random out of state numbers sometimes every 5 minutes, and I get 30 a day. It 's impossible for me to find a job or keep my line open for employers to contact me or vice versa. I also get calls sometimes at XXXX.
Product: Credit reporting or other personal consumer reports

That on XX/XX/2023 I sent American Collections a notice to opt-out of credit reporting.
Product: Vehicle loan or lease

Hello CFPB, I have an auto loan with Citizens One Auto Finance with the last payment remaining. My complaint is that the final payment can not be made online as all previous payments have been made and must be mailed or submitted ( for a {$12.00} fee ) via their automated phone system. The payoff amount provided via the phone system increments by $ XXXX/day, so sending a check via regular mail does not seem an ideal option as customers may be subject to a late penalty. Furthermore, the final payoff notice did not include a payment envelope addressed to Citizens like the other 59 mailings we received through the life of the loan - this appears to be an extra measure taken to collect fee revenue. <P/>To resolve the situation I contacted their customer service department at XXXX at approximately XXXX XXXX ET and was not provided an option to make a payment free of charge. I believe these conversations are recorded, so I encourage the Citizens One tem to review the recording. [ PERSONAL INFO - XXXX XXXX, Loan Number XXXX ] This practice seems to be deceptive and unfair and could yeild an undue profit for Citizens in aggregate at the expense of their customers. <P/>Thank you for your assistance.
Product: Student loan

I requested a refund on payments made to my student loan servicer EdFinancial during the COVID pandemic. My loan balance has since went up by XXXX. I have reached out several times requesting a timeframe for refund and everyone is telling me XXXX to a year. They wont even provide me with proof I requested refunds despite the balance going up. If the balance of the loan has gone up then I should have received my money. I am worried about interest accruing for money I don't even have on hand. 
I would like to receive the refund the way the payments were made ie into the checking account linked to my EdFinancial.
Product: Credit reporting, credit repair services, or other personal consumer reports

FIRST FEDERAL CREDIT CONTROL failure to MOV, pursuant to FCRA 611 [ 15 U.S.C. 1681i ] and FCRA 609 [ 15 U.S.C. 1681e ], within the time set forth bylaw
Product: Debt collection

Navient is harassing me for a debt not owed. I am receiving more than 10 phone calls a day, at all hours of the day. I want then to stop contacting me or I will retain a lawyer.
Product: Student loan

I currently am in graduate school and unable to pay for my education because Naviant defaulted XXXX of my private loans from college. I have been consistentlay making monthly payments of {$500.00}, but my total debt has yet to go down. I feel so enslaved and trapped. My mother has been helping me with the payments but no matter how much I pay the interest keeps rising.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

List the account name here with the account # ( Do not list over 5 accounts and 6 inquiries ) - XXXX XXXX XXXX # Account # has violated my rights. 
15 USC 1681 Section 602 A 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 written consent.
Product: Credit reporting or other personal consumer reports

experian deliberately shared my information address with XXXX XXXX XXXX XXXX chang the fraud address to my real address to force the fraud accounts in my name i have proof
Product: Mortgage

I have a mortgage loan with AmeriSave Mortgage Corporation. I received a letter from HUD notifying me that Effective XXXX 2015 the FHA mortgage insurance rates were reduced. Interest XXXX ( XXXX # XXXX ) has reviewed the FHA Mortgage for my home located at XXXX XXXX XXXX , XXXX XXXX, NM XXXX, and that I was elIgible to take part in the FHA STREAMLINE PROGRAM. This program was designed to reduce my interest rate and lower my monthly mortgage mortgage payment with NO OUT OF POCKET COSTS, NO APPRAISAL & NO INCOME QUALIFYING. I was surprised by AMERISAVE that increased my mortgage payment and kept the same rate of interest of 4.375 % that I was paying. AmeriSave also increased my escrow account monthly adddition to {$470.00} and they were applying {$450.00} to the interest and only an average of {$180.00} to the principal. It is impossible to communicate with AmeriSave since they only have answering machines and not a single person to answer complaints.
Product: Credit reporting, credit repair services, or other personal consumer reports

There was an error on my credit file with XXXX XXXX XXXX. I disputed it with Trans Union. They deleted it from my credit. Now Trans Union just put it back on my credit
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected.

Furthermore, their dispute resolution proce was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Money transfer, virtual currency, or money service

I am the legal guardian and grandmother of XXXX XXXX XXXX XXXX There is an associated complaint that I have already filed, case # XXXX regarding credit card fraud committed by his biological mother XXXX XXXX XXXX Currently, she has initiated or may have initiated in the past a paycard for direct deposit for my grandson which was not authorized by me. He and I plan to establish a physical banking account, not a pay card as this will be his first job at age XXXX. After being hired at XXXX XXXX and first date of on the job will be XX/XX/2022, his mother apparently ordered a pay card in his name allegedly preparing to make transfers into his account. I explained to my grandson that he will not being using a pay card and explained to his mother who continues to exploit his social security number. I have attached the guardianship document, his social security information, my license and a text message sent from mother who admits to making plans to transfer money between accounts when she is no longer responsible for him.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following accounts. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have accounts on my report that I have disputed because they are being reported as closed AND written off. How can you report any account as written off yet still report as money owed. Also all they do with each account is update the date and nothing else. These accounts are not being looked into, just updated.