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

XXXX has felled to fulfill its legal obligations under the Fair Credit reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts resolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against XXXX, alleging systemic issues such as failing to to forward consumer-provided evidence to furnishes, accepting unreliable responses, and failing to adequately notify consumers of disputes outcomes. These failures align with my experience, where XXXX has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as XXXX inaction violates federal law and my rights as a consumer.
Product: Money transfer, virtual currency, or money service

I received a notice from the state of Texas that Western Union had turned over a money order payable to me in the amount of {$2900.00}. I am unable to collect it through the state of Texas 's unclaimed funds program as I do not have a copy of the original money order per their policy.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the reporting of a late payment on my credit report. I have contacted the companies regarding these late payments, and they have approved updating the accounts to " open or closed/never late. '' The companies have acknowledged the inaccuracy of reporting a late payment and has agreed to make the necessary changes. According to the Fair Credit Reporting Act, I am entitled to an accurate credit report XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Product: Debt collection

XXXX XXXX Account XXXX XXXX XXXX account has been charged off and is Currently and Repeatedly updated as Charged off every month.This is an update in the payment history which is to my understanding Charge OFF Accounts should NOT include an active payment history..Need i remind you this is statue of Limitation XXXX XXXX Constantly call my home all day about this account Account was on credit report to be remove XXXXcredit bureau changed the removal date XXXXtimes..Please delete account from my credit report
Product: Student loan

This is the second time I have made a large payment towards my student loans with EdFinancial that was taken out of my bank account. However, they have not posted the payment on the website and my principal balance was never decreased. They give me the run around each time I try to reach out for answers. Please help me! Thanks.
Product: Credit reporting, credit repair services, or other personal consumer reports

IN RESPONSE TO EQUIFAX WHERE THEY ON XX/XX/XXXX SENT TO XXXX XXXX XXXX, UNDER THEIR CONFIRMATION # XXXX, WHERE CHANGES MADE TO MY CREDIT REPORT AND WHAT ACTIONS WERE TAKEN. 

EQUIFAX STATED WHERE I CAN PROVIDE ADDITIONAL INFORMATION ABOUT MY DISPUTE RESULTS WITH ADDITIONAL INFORMATION AND I AM COMPLYING. 

I AM COMPLYING AS REQUESTED BY EQUIFAX BY PROVIDING A COPY OF MY LETTER TO THE Office of the Comptroller of the Currency Customer Assistance Group XXXX XXXX XXXX, XXXX  XXXX XXXX, TX XXXX Re : Case # XXXX : XXXX XXXX  XXXX/XXXX  XXXX. 

Where XXXX XXXX  XXXX/XXXX XXXX violated the following Federal Laws : 15 U.S.C. 1642, 15 U.S.C. 1637 ( a ), 15 U.S.C. 1637 ( b ) The credit cards issued under accounts # XXXX opened XX/XX/XXXX and XXXX opened in XX/XX/XXXX was an illegal act by XXXX XXXX   XXXX/XXXX XXXX.
Product: Credit card or prepaid card

I have been a customer of Discover Card for several years and have never missed a payment and also have an personal loan with them. XXXX payment history with them has been stellar and in fact they increase my credit limit without me requesting it. I recently received an e-mail from XXXX stating that Discover Card want to access my IRS tax information. I actually thought the e-mail was a fraud phishing e-mail, because I have never had a credit card company request to see my tax information. Given I thought this was a fraud e-mail, I deleted it. Today I tried to use my Discover Card to rent a car. I have a {$12000.00} limit and my balance is just over {$5000.00}. The card was declined. I called Discover Card and spoke to XXXX XXXX about the decline. He stated asked did I get the e-mail requesting my IRS information. I told him yes however, I thought it was a phishing e-mail. He state that they would not allow me to use the card unless I gave them access to my IRS tax information. I was shocked. I asked him was this legal. He didn't have an answer. I asked to speak to a Manager and he told me he would send the Manager an e-mail and they would call me back. I have been a customer for Discover Card for years. I have a stellar payment history as evidence by them increasing my credit limit without my request. My income has not changed since I first received the car, in fact it has only increased. However, there is no reason I should give a credit card company access to my IRS tax information to maintain a credit card. This should be illegal. I am really thinking about ending my relationship with Discover, however, this should not be allowed. I should not have to give a credit card company access to my IRS tax filings to maintain a credit card. Please help. I am also filing a complaint with my Congressman. This is ridiculous.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2018 I was in an accident which totaled my XXXX XXXX. My insurance company XXXX XXXX XXXX paid the amount to cover the loss of my vehicle. I received a letter on XX/XX/XXXX from XXXX that states my loan has been paid in full. On XX/XX/XXXX received another letter stating I owed XXXX . I tried to resolve but meanwhile they sent a notice I was 30 days late paying my bill that reflexed on my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX Va XXXX XXXX
Product: Debt collection

On Friday, XX/XX/2023, I contacted XXXX XXXX XXXX XXXX XXXX via chat after speaking with XXXX XXXX, XXXX and being informed, for the first time, XXXX XXXX had my debt. XXXX XXXX gave me reference number ( XXXX ) to give to XXXX XXXX. After speaking with XXXX XXXX, I was informed by the agent that my file was " no longer '' in their system and they gave me a number to call XXXX. XXXX said they didn't have my file and gave me another number to call. I spoke with at least XXXX different debt collection agencies that day and gave out my PERSONAL information over 5 times, only to be told by each representative the same thing - 'they do not have my file. ' XX/XX/2023, was the very first day that I have ever received any communication from XXXX XXXX XXXX, despite being told that my information was not on file. I emailed them back requesting verification, but they never responded. Today, XX/XX/2023, I reached back out to XXXX XXXX via chat and was conveniently told they had my file AND they received my email. 

I asked a myriad of questions for clarification on why I was given the wrong information, why it took so long for them to reach out to me, and what actions were taken for them to now have this debt - considering when I asked, they said they did not have it. The agent I spoke with today is the same agent I spoke with on XX/XX/XXXX. He would not give me any straight answers and essentially, blamed me for giving the wrong reference number during our first conversation ( the number XXXX gave me to give XXXX ) ; yet, he made no attempt to even investigate during our first communications. After speaking with XXXX XXXX today, I re-contacted XXXX and was informed ( again, for the FIRST TIME ) that my file was initially with XXXX XXXX and I could contact them for further information. 

All in all, I have been attempting to verify this debt for MONTHS. I never received any communications from any debt collection agencies until I reached out to them. The only reason I knew of these agencies was because I noticed charge-off on my credit and disputed it. There has been no written or verbal communication with me from the original creditor or any debt collection agencies until I initiated an investigation. I have been given false information, ran around in circles, and ultimately, mistreated. This is severely affecting my credit and I can't get approved for a home because of it. Nothing about this makes sense nor does it feel ethical. I have disputed this numerous times with each Credit Bureau and provided documentation for each encounter. 

I am attaching documentation of my conversations and falsely reported payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my 7th attempt to get this matter solved but I guess my request is just being ignored.The current status and the late payments in the payment history is incorrect. I never misseda payment. The 3 Credit Bureaus should provide documentation but they failed to neither verify norupdate me about these complaints. I believe the bureaus are violating sections 616 & 617 ofthe FCRA and has abrogated my rights by reporting false information. Please update the late payments from these accounts for it has affected my well-being. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have it in writing that after spending  XXXX  dollars in 3 months, that my annual fee will be waived.     I have this promise by  XXXX  and  XXXX  and it is documented also.     I called in at  XXXX  and was told not  one  thing is in the notes by  XXXX  on  XXXX  at  XXXX  and she was also so rude and even said there are so many notes on your account and you call in all the time like I have no right to be helped.     She told me to I had to go and pull the letter for proof to her and was so rude and said I needed a date as she did not wish to go through all of my notes. She basically poked fun of me in many ways and when I asked her to talk slower, she had an attitude all the way.     I then was forced to call back and the offer is noted on my account effective  XXXX   XXXX .     Please look into this on the rudeness of  XXXX  please.
Product: Payday loan, title loan, or personal loan

On XXXX/XXXX/16, I called Wells Fargo and made a payment over the phone as I did not have time to set up auto pay at my bank. They took my Debit card info and I have confirmation # XXXX. The I set up auto pay for the payment to come out the XXXX of each month to make it to Wells Fargo by the XXXX Due Date. Mid XXXX I got calls morning, noon and night. I answered at home, and was told by this gentleman that my payment was due, I told him I had auto pay, he said well no payment has been received, and I got on my computer and to find out, for some reason the payment for XXXX did not go out, my bank did not know why either. So I tried to pay it, he refused to take my debit card! He said he would only take my bank routing # and account information from my checking account. I told him I do not have checks! I do n't use them and do n't have this information. Well he was not very helpful, and the calls continued. I have to work, and as I nurse, I work hard, and I called to complain, and I got someone and told them what happened and then the bank payment went through on the XXXX. So XXXX I was late by what, 11 days. Then moving forward, all my payments were EARLY! Then I kept getting charged late fees, then they charged some sort on Interest On Purcharses of which there are none! This was a roofing contract for a specific sum, for a 36 month, No Interest loan! They then cancelled the first card, initiated another one and I still kept up and paid early! I finally had enough, called again, tried speaking to multiple people to stop this insanity. Finally recently a person named XXXX, reversed several late fees, but they still added one right back right after this, I paid on XXXX XXXX and on XXXX XXXX, they charged me a Late Fee!! AND, still charging interest on something called " Interest on Purchases '', but there are none!!! What kind of insanity is this? This is so wrong, immoral, unprincipled, worst customer service ever, then ... .THEN, I get a notice that they had reported a Negative Report on my and my spouse 's Credit Report on all 3 Bureaus '!!! For being 2 months late!!! We are not late!!! We are not missing any payments!!! They will not listen, they will not reverse this, this is not acceptable. So today, I went to my bank, got a cash adavance and paid {$3200.00} on the {$3200.00} balance, and I am done! I do not and will not do any business with them every again!! This is the worst case of fraud, should be illegal activity and worst treatment of customers ever.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 have tried to resolve the problem with no results. XXXX XXXX XXXX is a collection agency which is not licensed in the state of California and is illegally trying to collect a debt. I have a complaint on file and it was not satisfactory XXXX. The response from XXXX XXXX was unacceptable. CFPB closed the file accepting the response from XXXX saying licensing is delayed. That is totally illegal. Collection agencies must be licensed properly before harassing and sending threatening letters. That's like a consumer or a driver not having a license, if detained that driver is fined. I am requesting all of the data collecting companies Trans Union, XXXX and XXXX along with the other data collectors XXXX, XXXX and the others remove this data from my consumer credit reports immediately. Above all permissible purpose was not given by this third party to report my information.
Product: Mortgage

I am in the process of selling a home and Rushmore Loan XXXX is the servicing company and is impossible to work with. This is the second time I have tried to sell a home with this mortgage servicing company. It's as if they are trying to hold a mortgage hostage. The title company has requested pay off quotes 3 times throughout he month of XXXX on the XXXX and the XXXX with no response and then an additional request on the XXXX. The title company notified me and I attempted to reach out and was told they would get the request to me on the XXXX by XXXX. They did not and so the title company called and did a conference call with me. Over an hour on the phone nad still no payoff document. We are supposed to close on XX/XX/XXXX and now it's looking like a delay due to the mortgage servicing company refusing to deliver a payoff request in a timely manner. This could cause over {$10000.00} in damages due to the loss of a purchase on a new property, the sale of the current property and additional interest and holding charges. I'd hate for this to turn into a full lawsuit. When attempting to call them and get ahold of a representative during their " Available Hours '' it is just a constant loop with their automated system and you can never get to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. PLEASE DELETE THESE UNKNOWN ITEMS. 
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$210.00} ; US DEPT ED XXXX Balance : {$0.00} ; XXXX  ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX Balance : {$1100.00} ; XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX Balance : {$360.00} ; XXXX  XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I purchased a Refrigerator on a store Credit Card. I mistakenly decided that I would use my ability to use cash advance to pay off another credit card to transfer the store card balance to my Chase MC that offered no interest for 12 months. I payed the XXXX " process '' fee. I should have had a red flag then. I have paid on my balance for 6 months now and have no discernable difference in the balance of the transferred to 0 percent APR balance. I called them about this and I have NEVER had such a go around the bush explanation for why this is happening. Once XXXX get 's here I'll be paying major interest on this purchase, more than if I had left it on the store card. This is a sham of a way to get you in a spiral upward issue with interest on one 's Credit Card. 

I am at this point just going to pay all but XXXX of the balance and be done with this completely by XXXX and not use the Chase card again, even for my Amazon XXXX unless I can pay off within the month. I certainly will NEVER use a convenience check/cash advance on this card. 

This type of usury should be outlawed, or the CFPB do something about. This is akin to payday loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Equifax and XXXX  are reporting XXXX derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent ( 2 ) dispute letters to Equifax, XXXX  and XXXX  since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I attempted to get a copy of my lexis nexis report on risk. This is the insurance company database. Lexis nexis required information and wont recognize that a XXXX member of the XXXX mission I only have a us address of record, not a legal address. They are argumentative and wish only to provide information via unsecure international mail, that is possibly a risk to my XXXX versus providing via email. 
I submitted a report to cfpb that was closed on XX/XX/XXXX, no letter of response was attached.
Product: Credit card

Received a refund check for a credit on a credit card account of my deceased mother. While waiting for the estate settlement to complete the check went past the 180 day period and became invalid. Numerous calls ( and being on hold for hours ) have not resolved the problem!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted dispute letters and i have yet to receive anything about my results. I feel there has more then enough time to send me my results.
Product: Student loan

I have two specific problems with Navient : 1. Navient received a payment from my refinancing company on XX/XX/. The company overpaid the loan, resulting in a negative balance. So far, Navient refuses to release the {$220.00} back to me. I requested payment within 30 days, as our loan agreement states payments are made every 30 days. I don't see anywhere that they excluded themselves from that role. I have to pay them every 30 days, so where's the same courtesy for me? 
I request that Navient release the funds immediately. 
PS - I am currently in the process of refinancing another loan out of Navient, since they've been a terrible lender and interest rates are rising quickly. If they can not pay any over-payment within 30 days, I'll be back here again. 

2. I am considering suing Navient in New York Small Claims court for the balance they refuse to provide. I requested from several customer service associates via emails, as well as with their Customer Advocate, that they give me an address where I can serve them. Everyone has refused to dodged the question. Customer Advocate said they'd get back to me this week, after stalling for one week already. So far, I've heard nothing. 
Please request that Navient give me the address where they can be served legal notices.
Product: Credit reporting or other personal consumer reports

" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit. 
Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry. 
Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process.

Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). 
"