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

It is TransUnions duty pursuant to the FCRA to be reporting correct and accurate information on my credit report and file, however they are NOT. TransUnion is reporting five inaccurate late payments for the XXXX XXXX account, which does not have an account numbers to reference to. These include four 30 day late payments posted in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX 60 day late payment in XX/XX/XXXX. These are incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( I ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in TransUnion violating my federally protected consumer rights. To add to this I did NOT give TransUnion, written instruction/permission to furnish these in accurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ) it is clear that TransUnion has violated my federally protected consumer rights under the FCRA, and the inaccurate reporting is causing me and my reputation severe harm and discrimination.
Product: Credit card

XXXX, the credit reporting and credit monitoring company, processed fraudulent reoccurring charges to my PayPal credit card for their credit monitoring services for XXXX identities that did not match my credit card information. Although XXXX agreed to refund the charges, as a credit monitoring company would you think they should more closely monitor the actions of their own customers - both myself and the other identities? This makes me wonder if the XXXX identities that were attempted and successfully charged on my credit card were targets of another party trying to capture data about the identities on the fraudulent credit monitoring subscriptions?
Product: Credit reporting 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. 

Account name : # 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 an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the late payments listed on my credit report. Upon careful review of the information, there are inaccuracies that need to be addressed. Upon reviewing my credit report, I noticed discrepancies related to the reported late payments. I have always been committed to meeting my financial obligations promptly, and I believe there might be an error or misunderstanding in the reporting. Additionally, XXXX and XXXX credit bureaus have already updated their records for these accounts. I kindly request a thorough investigation into this matter and the prompt removal of any inaccuracies from my credit report. 

XXXX XXXX XXXX XXXX am not late on XX/XX/2024. Bank failed to update the address on file and sent the statement to the wrong address. Bank is aware of the issue and agreed to update to open/never late. Please specify the exact date which they're reporting late
Product: Student loan

NAVIENT sent two invoices on XX/XX/XXXX for payment on student loans with outstanding balances that I am not aware that I had. My student loan debt was paid in full through bankruptcy court, XXXX XXXX, completed in XX/XX/XXXX. 
Case # XXXX I paid NAVIENT {$15000.00} on the first loan and {$8700.00} on the second loan through the United States Bankruptcy Court XXXX XXXX of Michigan XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

As of today XX/XX/XXXX, according to NAVIENT they put my loans into forbearance and this was without my knowledge or consent. They claim they didn't have to contact me because we were in bankruptcy and the period of 10 years just expired so now they are attempting to collect the debt. They now want to collect an additional {$3900.00} on one loan and {$10000.00} on the other loan. ( Navient Account number XXXX ) claiming both interest and principal are owed. 

I have requested that NAVIENT send information on these loans ( the signed notes supposedly initiated in XXXX and XXXX )
Product: Credit card

They are charging me XXXX in monthly fees card has not been used months and every months numerous amount of fees and every month something new card balance is not going down
Product: Credit reporting or other personal consumer reports

I have tons of hard inquiries on my credit report, and I have no idea who they are from I have applied to none of these companies for anything. I have had my identity stolen before. I had personal information stolen when my car was stolen last year I am not sure if any of this has something to do with the inquiries. It appears someone has been inquiring on some types of loans or credit accounts. I was directed here while trying to file a report and make disputes. The following companies have made inquiries on my report and I don't even know who they are It seems to be around the time my car was stolen. I am looking for a copy of my police report, I can't locate it at the moment but I can get a copy of it if I need to. 

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 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 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: Bank account or service

When we filed our first complaint, we stated that our desired resolution was the return of the fees caused by PNC 's manipulated transactions in addition to any subsequent fees caused by said manipulation. 
They only returned the original fees. Thus our account was still owed {$72.00}. We live pay check to pay check and can not afford these fees. We decided to part ways with PNC, but we went negative by {$9.00}. Had they not stolen the original {$72.00} from us and caused us to be short then applied another {$72.00} in fees, we would have had the money to cover it. What they are doing to us is no less than highway robbery. 
I requested the account be closed immediately. They have ignored me, saying it can not be closed with a negative balance and it continues to accrue fees, which they 've threatened to come after us for.
Product: Debt collection

Navy federal put hold on {$2000.00} of my SSI partial pymt ( lump sum ) on Saturday after releasing it early on XXXX XXXX 2016 rather than the XXXX of XXXX. 


I have a bill of XXXX ... I make monthly pymts on my secured credit card with them ( Navy Federal ) They claim that my deposit I put up for secure pymt on credit a year ago was n't received ... which they confirmed a year back that it was. SSi deposited my regular monthly pymt and a day later part of my 'lump sum ' ( {$2900.00} ) in my credit union savings account. The secure credit card department of credit union put a hold my SSI lump sum.They did n't send a letter or call me to inform me of this. When I called after noticing the money missing from account..I was just told it was being put on hold.I was told this was an illegal action..what can I do?
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX  The information listed below, which appears on my credit report, is the result of that XXXX 


CLOSED ACCOUNTS : 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 Experian XXXX XXXX XXXX Experian
Product: Credit card or prepaid card

In 2017, I opened an account with Direct Express, an operation of the U. S. Dept. of the Treasury, for the purpose of receiving payments from the Social Security Administration. The account was later closed after it was noted that a 'commission ' was charged on the money withdrawn, contrary to the terms of the agreement. 

On closing the account I notified DirectExpress that I wanted the balance on the account to be returned to the SSA. Instead, DirectExpress have pocketed the balance ( {$910.00} ) and have refused to respond to my phone calls or written communication for over 2 years. 

As a result, I had no option but to withhold the money from the IRS!
Product: Checking or savings account

Back in XXXX an attempt was made to transfer money from my business checking account via wire transfer from XXXX. The bank caught it and stopped the transfer. I went to the branch and changed all my passwords and was issued a new account. On XX/XX/XXXX the bank allowed a domestic wire transfer from XXXX XXXX, CA for {$2800.00} + {$25.00} wire transfer fee. On XX/XX/XXXX they allowed another domestic wire transfer for {$3200.00} + {$25.00} wire transfer fee to XXXX XXXX XXXX NY. I received no alert form the bank for either one. I went back to the branch and changed all my passwords again and was issued another account number. We filed a formal complaint ( # XXXX ) with Chase. My banking associate XXXX XXXX, XXXX was told by the person on the phone at Chase the money would be returned to me in XXXX - XXXX business days. They asked us to fax an Affidavit of Fraud which we did on XX/XX/XXXX. On XX/XX/XXXX after numerous calls to the claims dept. I went to the branch again. XXXX called claims again and was told the case had been reassigned to a XXXX XXXX and would be resolved in XXXX - XXXX business days. On the XXXX business day I called claims again. The woman I spoke with was no help. I asked for a supervisor ; XXXX who would not disclose her last name. She would not connect me with " XXXX XXXX '' and kept telling me they could not release my money because the case was still being investigated. Today is XX/XX/XXXX almost 2 months have gone by. To my knowledge this money is insured by the FDIC. ( whom I also called ). I also filed a complaint with the Office of the Comptroller of the Currency ( case # XXXX ) who told me the bank has 2 months to respond. After catching the first attempt at fraud on my account, I believe the bank was very delinquent in allowing the last XXXX wire transfers without at least contacting me as they did with the first attempt. I called the claims dept. again today and after holding for an agent for XXXX minutes and finally reaching someone, she was going to connect me with a supervisor but she hung up on me. I really need to have this money back. I do not know why the bank is stalling me and I am really tired of calling and being given the runaround. I hope you can help me. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, I am trying to dispute some address that are on my credit report. I never lived at this address and the information is not correct. I reach out to the collection agency regarding this account and was advise this information is unable to be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, in fact exists.
Product: Credit reporting or other personal consumer reports

Company keeps verifying information is accurate that is not from mechanics bank auto! All 3 credit reporting companies XXXX XXXX and XXXX companies reflect INNACURATE INFORMATION FROM THIS COMPANY as well as different balances different missed or made payments when I have not made one payment to this company nor have I been given fair treatment for opportunity of removal due to inaccuracies! FCRA states that any inaccurate reporting has to be removed permanently as it is not reflecting correct and accurate information so I demand it be removed IMMEDIATELY!
Product: Vehicle loan or lease

XXXX I received a letter from the finance company that I had no insurance on my car. I have had insurance since day one. I have had no lapse in it at all. I have faxed several times to the company and emailed. Along with the insurance company, the company and agent. I have called about 10 times to tell them the declaration has been sent. I have asked to speak with a manager and still nothing has happened. I have been told last week that it was manually put into the system but nothing has shown. I called once more XX/XX/2018 before XXXX XXXX. I asked if it showed that I have insurance and no. The person on the phone says no. I have been told there is no proof of insurance and they have the added insurance to the bill. I go online and it is now the 2nd month it has been added. I pay them at least 2 weeks in advance for the car loan. I can not get an answer from anyone or a call back. I had the agent also fax and email them. Nothing. I can not have this sent to collections for the insurance they added but do not need. I need help in getting this taken care of and they have not been helpful in resolving this. This is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX
Product: Vehicle loan or lease

I recently purchased a used car from a dealership and obtained financing through Wells Fargo. In order to make a principle payment on the loan I have to call them and not use the website. Then, they take the money but wait XXXX hours before applying it towards the principle during which they are still accruing interest on the original principle amount. I have also had to call back multiple times because they didn't actually put the money towards the principle. They instead put it towards future loan payments even though they said that they saw on my account that it was supposed to be applied to the principle. Wells Fargo is doing this so that they can continue to collect interest on the full principle amount.
Product: Credit reporting or other personal consumer reports

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

Account Name : XXXX  # XXXX ; Account Name : XXXX # XXXX ; Account Name : XXXX XXXX # 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.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the Mortgage Account XXXX, that was inherited by the Mr. Cooper Mortgage Company from the former NationStar Mortgage. The item I am disputing, My Mortgage Account status, is reflected on all three credit reports enclosed. 
On XX/XX/XXXX, I pulled my credit reports and saw that this item, after being advised by my realtor companys Legal Advisor : XXXX XXXX XXXX, Short Sale Coordinator of XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX , VA XXXX ( XXXX ) XXXX-direct,  ( XXXX ) XXXX, XXXX ; and the former NationStar Mortgage assigned Negotiator, XXXX XXXX ( XXXX ) XXXX, that my final documents received in connection with my closing, that my Mortgage loan was approved for forgiveness ( paragraph 2 of the approval letter ). ( which I have enclosed as well ). I have also included several  correspondences with my attorneys the letter confirming my no longer dwelling in XXXX XXXX XXXX, XXXX, VA XXXX since XX/XX/XXXX and also paperwork confirms the successful short sale to a XXXX XXXX XXXX on XX/XX/XXXX. 
I am requesting that My Mortgage Account information be modify as the information is inaccurate and incomplete. As of XX/XX/XXXX, per the advisement of my Attorneys, realtor, and NationStar Mortgage, my home was successfully sold as a short sale, approved for the loan forgiveness, and through legal proceedings, made me no longer responsible for that mortgage due to the property being owned by another homeowner. Therefore, I am requesting that the Mortgage Account information be modified to reflect I have satisfied my obligation, and that all negative marks on my Credit be deleted in order to restore my credit into good standing. As of XX/XX/XXXX, I have contacted the Former NationStar Mortgage Company 's  RESEARCH Department ( Now taken over by Mr. Cooper Mortgage Company ), I spoke to a  XXXX XXXX ( XXXX who was most helpful and advised me to send my cover letter, documents and email to " XXXX mrcooper.com
Product: Checking or savings account

I have the XXXX  on my phone to send and receive money, on XX/XX/2019, the app sent me an email saying that a transaction was completed a transaction, that I did not authorize I tried all the option there is to contact them an one was that the phone option is not available to me, so I emailed them and they sent me a email stating that the {$200.00} came from my linked debit card, and not my stored balance, and to contact my bank to dispute the charge. When I tried to ask for a code or contact there were no response, and I haven't heard from them since. When I contacted my bank XXXX told me that there were nothing that they can do and hung up.
Product: Mortgage

My mortgage is with Amerisave. I made my regular monthly payment, which was due XX/XX/XXXX, in XXXX. This payment included {$1800.00} to apply toward my escrow account. With this payment my escrow balance totaled {$5400.00}. 

On XX/XX/XXXX I paid off my mortgage in full. On XX/XX/XXXX I was issued a refund for my escrow in the amount of {$3600.00}. This amount did NOT include the escrow payment included in my XXXX payment. 

I have contacted Amerisave numerous times via phone and email. This includes an email on XX/XX/XXXX in which I provided a copy of the cancelled check from my XXXX payment. My last communication from them was on XX/XX/XXXX, when they promised they would respond via email or phone no later than XX/XX/XXXX. 

In addition, they have yet to provide me with a form1098 for XXXX as required showing the amount of mortgage interest and property taxes paid.
Product: Checking or savings account

I reviewed the letter from citi bank regarding my complaint : XXXX but some information in the letter is incorrect : I opened citi bank checking account thru online and entered all correct personal information and got approved and funds are transferred from my external bank to citi bank XXXX After around 10 days I did not receive my debt card I called citi bank and they checked my account and found the account address is wrong and they corrected my address. 

On citi bank response letter they mentioned I provided business address which is not true. I entered my home address ( not business address ) but when the address back to citi bank system the address showed incorrect. Citi bank need to check up their system why customer address showed incorrect even customer entered correct home address. 
Also when they decided to froze my account after account opened 30 days I called many times and asked the reason for closure as no notification provided to me for the froze but they did not tell me the reason. 
Since citi bank did not tell me what the exactly reason why my account got froze and only tell me it will take 30 - 60 days to get my account closed, I asked my external bank to help me get my funds transferred back because I do not want my funds froze by a bank for 60 days and I do not even know what is the reason. But citi bank rejected my external bank 's transaction.
Product: Mortgage

On XX/XX/XXXX, a Specialized Loan Servicing ( SLS ) agent called me and advised that I was behind on my XX/XX/XXXX payment. The agent advised that due to the COVID-19 pandemic, I would qualify for a 3 month forbearance that would begin XX/XX/XXXX and the payments that were under forbearance could be placed to the end of the loan. I agreed to the forbearance and it was approved. Throughout the next year and a half, I was offered to extend the forbearance by the SLS and I accepted ( as my income was limited due to reduced hours ). In XX/XX/XXXX, I contacted SLS because I wanted to know how I would resume payments. I spoke to XXXX who advised I would have to request that the payments be placed on the back of the loan from the investor. He stated he would put in the request. I continued to call back multiple times over the next month and spoke to multiple reps who advised the deferment request was still processing. On XX/XX/XXXX and spoke to XXXX who advised that I would have to make a payment in order for the deferment request to be submitted- I made a {$1900.00} mortgage payment on XX/XX/XXXX and after I was told multiple times that the request was processing, I was finally advised on XX/XX/XXXX by XXXX from SLS that I did not qualify to place the payments to the end of the loan because my account was deliquent in XX/XX/XXXX. I asked why would I be advised that placing the payments to the back end of the loan was an option if I didn't qualify at the time. XXXX advised that things changed during the course of the forbearance and she could not explain. If things changed, why was I not made aware? XXXX advised that I should fill out the modification paperwork and send it in. 
I filled out the modification paperwork and sent it in to SLS and was contacted by XXXX from SLS on XX/XX/XXXX asking who advised me to fill modification paperwork because I did not qualify for a modification. I would only qualify for a deed in lieu or short sale option. 
If I were not given misinformation initially about the forbearance payments possibly going to the end of the loan, I would have drawn against my retirement while I was being considered for a furlough and paid my mortgage while I was out of work/had reduced work. SInce I thought payments would go to the end of the loan, I did not consider that option. Now, I am being told that my loan will go into forclosure. I feel that mistakes were made by SLS and now I am paying for it. I have called and requested to speak with an SLS supervisor several times and have been promised callbacks that never happen. I feel like this was a plan by SLS to obtain my house malicious means.