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

In XX/XX/XXXX, I was notified of a Tax Lien filed against me by the XXXX XXXX XXXX filed in the XXXX Superior Court by the Clerk. The Lien was filed XX/XX/XXXX for tax debt owed from the tax year XX/XX/XXXX. I had never been informed of this outstanding tax debt and had appropriately filed and paid my Georgia state tax. At the time of the lien filing, I had just gone through a Chapter XXXX Bankruptcy file XX/XX/XXXX and cleared XX/XX/XXXX. I moved from the State of Georgia in XX/XX/XXXX. Upon receipt of the notice of lien, I immediately contact the XXXX XXXX XXXX XXXX and paid in full the lien with it subsequently being released as paid in full on XX/XX/XXXX. I believe the Lien was filed in error as I was never properly notified about impending lien and was unaware, based on my previously filings, of any outstanding tax debt. I have contacted the XXXX XXXX XXXX XXXX as well as the Superior Court of XXXX County requesting a lien release through the " Fresh Start Program '' and have been denied.
Product: Credit reporting or other personal consumer reports

According to FCRA 605B, any incorrect accounts should be removed from my credit report. Could you review the documents? There are inaccuracies in the reporting of some accounts, such as incorrect amounts and dates.
Product: Credit reporting or other personal consumer reports

I have tried to get items on my credit report investigated and removed twice and both times Experian has sent me a stall letter the most recent was on XX/XX/year>. I have been unable to get them to investigate any of my credit issues.
Product: Mortgage

After a payment was posted to my account, it was removed 16 days later with no notice or explanation provided to me. I have tried reaching out to the company on 3 separate occasions, and have received 3 separate and contradictory explanations for what is going on. On 2 occasions, I was told the issue would be resolved and then no action ever occurred. On the 3rd occasion, the representative disconnected me without finishing my call and never called back. The company should be able to provide me with clear and consistent information on my account, and it's inability to do so has almost made me late for my payment, despite assurances they would resolve it in time.
Product: Credit reporting or other personal consumer reports

XXXX account : XXXX Recently I looked at a copy of my credit report and noticed several inaccuracies in my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy. 

I have never had any outstanding accounts with XXXX, I have never owed any payments to XXXX, I see that this is affecting my credit history and the illegality of reporting erroneous information is against the law As a lawyer specializing in financial law. 

I am here to inform you about the illegality of reporting erroneous information in a person 's credit history, in accordance with current legislation in the United States. Specifically, the reporting of inaccurate information in the credit history is regulated by the Fair Credit Reporting Act ( FCRA ), which was enacted in 1970 to promote accuracy and fairness in credit reports. According to this law, consumers have the right to have their credit reports contain only true and accurate information. The FCRA establishes that : The inclusion of erroneous or incomplete information in credit reports is prohibited. Consumers have the right to dispute the accuracy of any erroneous data and to have such information corrected within a reasonable time. Obligation to Correct : If information contained in a credit report is found to be incorrect, the information provider must correct it immediately. If a dispute arises over incorrect information, the credit agencies must investigate the dispute within 30 days. Damages : If erroneous information is not corrected and causes harm to the consumer, the consumer is entitled to compensation for the damages incurred. Similarly, the Code of Federal Regulations ( CFR ), in particular Title 16, Part 660 of the FCRA, establishes sanctions for companies that do not comply with the standards of accuracy in the information reported. In short, it is illegal to report erroneous information on a person 's credit report in the United States, and any action that violates the rights of consumers in this regard is subject to the sanctions stipulated by the Fair Credit Reporting Act. If you believe that incorrect information has been reported on your credit report, I suggest that you immediately contact the appropriate credit reporting agencies and exercise your right to correction under the terms established by the FCRA. Here is the item I am asking you to verify as accurate : XXXX account : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The department of education is making the accusation that I owe a balance and it is being reported on my credit reports that I owe {$1.00} for a Pell Overpayment from XXXX XXXX, and it was closed XX/XX/2017. However, upon speaking with XXXX XXXX  's billing department and Financial Aid Department, they have both informed that I do not have a balance with them. However, the Department of Education is saying it has been transferred to Debt Collection Service of the Department of Education. All of this information is incorrect, and I do not owe a balance and they're continuing to report negative information on my report, and I am unable to obtain funding for school due to these inaccurate allegations. Additionally, XXXX XXXX was contacted and provided proof that there is a {$0.00} balance.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is reporting an inaccurate charged off auto loan on on my credit reports. I have been disputing this account with the credit bureaus for some time now. This account is reporting multiple inconsistencies between each bureau and I have not received any valid proof regarding this debt from the credit bureaus for XXXX XXXX. This account has different open, last active and payment dates. How are all three bureaus reporting different things if they are all getting their information validated from the same place? Surely they are not conducting a proper investigation into this account otherwise this account would not reporting very inconsistently. It is the consumer reporting agencies responsibility to report accurate information and they have failed me. I am requesting that this account is deleted from my reports now!
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where tranactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an thorough investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter on XX/XX/XXXX XXXX XXXX  to remove these items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) you are required to remove/block any accounts not later than 4 business days. Ive already included this in my previous complaint & I am including it again., NXXXX XXXX XXXX XXXX XXXX  .... Balance : {$61000.00} ; XXXX XXXX XXXX XXXX XXXX XXXX.. XXXX Balance : {$4900.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$28000.00}
Product: Debt collection

A Certified/Return Mail was sent to this creditor, Barclays Bank - Delaware requesting that the account # XXXX since XX/XX/2012 they're reporting on my credit profile does not belong to me and it's impeding on my ability to move forward in order to secure any measurable job and the consistent lack of credit extension to me by potential creditors. Barclays Bank - Delaware must delete this erroneous information from my credit reports with all the Credit Bureaus with immediate effect. 

Thank you, XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am one of the Equifax XXXX XXXX victims, and XXXX still refuses to delete the following accounts : XXXX XXXX Account # XXXX Please help me delete this account from my credit report the other bureaus XXXX, has already deleted it from my credit report
Product: Credit reporting or other personal consumer reports

I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, XXXX XXXX XXXXXXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. These are the accounts : XXXX XXXX XXXX XXXX XXXX - XXXX, XXXX XXXX XXXX, XXXX - XXXX Incorrect Address - XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX - XXXX XXXX
Product: Checking or savings account

chase bank closed my account and return on check on XX/XX/2020 which caused y XXXX XXXX  account to be closed and caused my credit score to drop significantly the check was returned because for what reason i dont know but the funds where avaiable and didnt explain why the check was returned when funds where in the account
Product: Payday loan, title loan, or personal loan

I went to check my balance today and the history and it turns out all the payments have gone to interest, nothing is being applied to principle, when I asked XXXX if they could at least change the pay dates since i'm negative every time they run the payment he said no, i was told i could adjust it prior if it was to the point where it was hurting me financially and it has been, with everything going on with covid my checks are a lot less and I have asked for help prior and was told they still could not do anything. I asked if we could lower the payment because they offered that prior and now I am told that they will not. The loan was for XXXX i've paid over {$4500.00} i was told i have another year from today to finish paying off the loan leaving it at almost XXXX in total. {$10000.00} in interest is a lot and for the company to not work with you when you have been making payments.
Product: Mortgage

Hi my is name XXXX XXXX. I have some concerns with my servicer Select Portfolio Servicing. I have a scheduled foreclosure sale schedule soon o XX/XX/2018. Recently I have mailed in a loan modification Request for Mortgage Assistance form along with all the necessary documents that are essential to having a complete packet. SPS have received a complete Request for Mortgage Assistance packet and its under review. 

Im still just worried that they will play some game right before the sale and foreclosure on my home. They still have not cancelled or postponed the sale even though they have a complete loan modification packet and its still in underwriting review. This is a continuous game they play and always are putting me on the edge and fear that I will lose my home. Can they just cancel the sale and work with me. Give me a good loan modification with a principal reduction or something that I could afford monthly. 

However number of financial factors that make it more profitable for a mortgage servicer avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by the servicer. However, this is countered by a number of financial factors that make it more profitable for a mortgage servicer such as Select portfolio Servicing to avoid modification and to continue to keep a mortgage in a state of default or distress and to push loans toward foreclosure. This is especially true in cases where the mortgage is owned by a third-party investor and is merely serviced by Service companies because Service companies do not carry a significant risk of loss in the event of foreclosure. 

California Business and Professions Code 17200 et seq., also known as the California Unfair Competition Law ( UCL ), prohibits acts of unfair competition, including any unlawful, unfair, or deceptive business act or practice as well as unfair, deceptive, untrue or misleading advertising. Select portfolio Servicing and all other previous servicers and their Investors conduct was unlawful in that : They engaged in the uniform practice of requesting unnecessary documentation, seeking repetitive submissions of the same documents, and never rendering a decision, and in doing so, such activity provides the basis for an unfair inquiry and could deceive the me because it places burdensome requirements on me that served no purpose but to provide a basis for either engaging in Dual Tracking by selling my home and by denying loss mitigation options, such as loan modifications If they proceed with the sale they will be violating the California Homeowners Bill of Rights Act
Product: Mortgage

i currently have a mortgage with Chase. I began a mortgage modification process in XXXX 2015 in hopes of reducing my payment as well as removing my former spouses name from the loan. I produced a quit claim deed that was filed with my XXXX courthouse, as well as legal divorce papers, tax records etc. Chase has claimed repeatedly that they didnt receive the documents and ive sent duplicates XXXX+ times at this point. The customer service reps are completely incompetent and very very rude. They have accused me of dishonesty claiming I did not send documents when I have done so over and over. I am no further in the modification process at this point then when I began. They also state that I own a business and have a pension, and required proof of XXXX. I do not own, nor have I ever owned, a business. I also do not receive or have a pension. At XXXX years old, even if I had a pension, I couldnt legally collect it at my age. Chase seems to be doing everything possible to prevent any modification of the loan. They have also refused to change my legal name on the documents or call me by my legal name, only by my former married name. The level of negligence on the part of Chase is gross and they make it impossible to modify any loan. I struggle very much to make my monthly payment and have been late on payments for the past several years. i need a modification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert from Experian that XXXX  XXXX XXXX made a credit card inquiry on XX/XX/2022. I did not apply for a credit card at XXXX  XXXX XXXX. I called XXXX  XXXX XXXX and they had a credit card application with my name, address and phone number and social security number. A card was opened with a spending limit of {$20000.00}. No charges had been made to the card by the time I had called.
Product: Student loan

I am eligible for a student loan refund from Mohela as part of the Biden administration student loan forgiveness program. I called on XX/XX/2022 and was told my refund request was approved and I would receive a refund within 30 days. 

When I still had not received a refund by XX/XX/XXXX, I tried calling Mohela 6 times throughout the day and their customer service number had a busy signal ( others were having this issue as well ). 

I messaged Mohela through their portal on XX/XX/2022 asking for a follow-up on when would receive my refund and they never replied. 

I tried calling Mohela 's customer service phone number and their automated messaging system told me that I am not eligible to speak with a live representative. 

I sent another message to Mohela through their portal today, XXXX XXXX, 2022. 

Please let me know if you need any further information from me. It has now been 45 days without payment when I was promised 30 days, and Mohela refuses to return my messages or answer calls.
Product: Money transfer, virtual currency, or money service

Received phone & text messages from my credit union fraud dept about malware & unauthorized charges on my online bank account. They has me transfer money through cash app & XXXX XXXX via my phone over 5 weeks, XXXX XXXX XXXX telling me its going to the federal reserve to protect my money while the malware is removed. They were not our credit union fraud dept, but it came up on phone that it was, so I believed them & wanted to protect my money. These scammers called me daily to transfer funds telling me the malware was still causing problems & that it was affecting cash app & XXXX XXXX and need to do transactions so the fraud dept & federal reserve can see what's happening. They said they malware was very difficult to remove & they had outside IT companies helping & that the FBI was involved in this case as well. They said my online banking had the malware & they never asked for my account info, but found out they had my login & managed to transfer my money from savings to checking so the cash app & XXXX XXXX transactions would go through. They also had me buy bitcoin as part of the transactions on cash app. I had 4 accounts linked together & they completely drained my accounts for a total of {$80000.00}, mostly through cash app & XXXX XXXX They told me not to change the account login because the malware would alert the hackers of the new login info, so I didn't try to login & trusted this " fraud dept '' that it was protecting me. In the middle of all this, they unleashed over 1000 spam text & emails daily for a few days that disguised any bank notifications I received. The scammers were also able to add my debit card info into their phones to go on a shopping spree in Florida, but I never gave them my card info. or login info. The shopping spree was reimbursed by my bank. My bank refused to reimburse me for cash app & XXXX XXXX because it came from my phone. I disputed the charges on cash app & XXXX XXXX but got nowhere. I also submitted my case to IC3.gov-FBI, local police department & my bank. There is a local police detective working on the case, but that's all. I asked my bank why they didn't find it suspicious & notify me or stop the transactions from going through when there were so many cash app & XXXX XXXX transactions in a month on my account when I very rarely use these apps & they had no answer. The person calling me daily was a woman, no accent and knew how to use my bank app and walked me through all the transactions on cash app XXXX XXXX XXXX She was very empathetic and calm & nice when we spoke. She started each call telling me I was on a recorded line & she was from the credit union fraud dept. & then ended the calls every time with " Have a blessed day ''. After each transaction, she put me on hold to verify it went through, but told me she was speaking with cash app & XXXX XXXX  fraud team to make sure they see the transactions. Only after she didn't call me for a few days did I realize something was strange & went to the credit union & found out we were scammed.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 These are inquiries I did not give permission to do and respectfully request that they be removed XXXX
Product: Credit reporting or other personal consumer reports

the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify.I understand that under the 15 U.S.C Sec 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter. 

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been submitting multiple letters from XX/XX/XXXX to XX/XX/XXXX with complete attachments of my personal information and credit reports. Nevertheless, the requests I have sent out were consciously denied and neglected which I considered being unprofessional on the Bureaus end. This will be my last attempt to request all documents to be provided and issued to me. Not fulfilling with my request should result to immediate removal of the unauthorized inquiries listed below : XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive contacted money lions fraud department via customer service several times over the years the latest was XX/XX/2022 and they keep verifying the account as mines and I was incarcerated during the opening of the account from XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am attaching a letter I sent a letter to Equifax and   XXXX   XXXX   back on   XXXX   XXXX  , requesting that they investigate error on my credit report. I have not received a response from either.
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

This is a complaint against Barclaycard regarding their Aviator business card. The sign-up offer included a {$95.00} statement credit after meeting {$2000.00} spend threshold. I met the requirements about 2 months ago and never received my {$95.00} credit. I have been reaching out to them regarding this issue since XX/XX/22. They just open up a ticket every single time and never resolve it.