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

Dear NAVY FEDERAL CREDIT UNION, I, XXXX XXXX, have written this letter to dispute a LATE PAYMENT that is falsely added to my closed NAVY FEDERAL CR UNION account ( Account NUmber : XXXX ) on my credit report. My card was closed by the Creditor as of XX/XX/year> leaving this account non functional. I physically went a NAVY FEDERAL CR UNION branch in XXXX, IL in XX/XX/year> and cleared any outstanding balances on the account down to a XXXX balance. 

As of XX/XX/year>, I received Credit alert with a 30 day past due notification for this NAVY FEDERAL Account. ON XX/XX/year> upon investigation in the branch this {$11.00} charge occured as a result of a interest and was placed on my account after I paid it off and did a final settlement in XXXX. The balance of {$11.00} has been paid off during my visit to the branch on XX/XX/year>. NAVY FEDERAL CREDIT UNION FAILED to send me a notification/statement of this {$11.00} charge on my closed Account ( ( Pursuant of 15 USC $ 1637b ). NAVY FEDERAL failed to provide written communication on this {$11.00} charge on my account ( Pursuant of 15 USC $ 1666b ). NAVY FEDERAL CREDIT UNION has revoked my online account access in XXXX, therefore I am unable to login to my profile. 

Creditor : NAVY FEDE
Product: Checking or savings account

On XX/XX/XXXXXXXX, I wrote a check and and knew there were other transaction were being posted so I logged into my online account to make a transfer, I notice I had {$320.00} ... in the account, I transferred {$1500.00}. Noticed bellow, the account was not credited until the following day, this also happened the previous week, XX/XX/XXXX, identically. XX/XX/XXXX Online Transfer from XXXX ... XXXX transaction # : XXXX Account transfer {$1500.00} {$1000.00} XX/XX/XXXX INSUFFICIENT FUNDS FEE FOR A {$50.00} RECURRING CARD PURCHASE - DETAILS : XXXX XXXX XXXX XXXX XXXX XXXX Fee {$34.00} {$480.00} INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$150.00} Fee {$34.00} {$440.00} INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$500.00} Fee {$34.00} {$410.00} XXXX XXXXXXXX XXXX XXXX CA XXXX Debit card transaction {$50.00} {$370.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been trying to get my free annual credit report and dispute items, I recently disputed some item on the XXXX XXXX site. than I received an email that stated my dispute was investigated and the confirmation number to see what was the outcome, everytime I try to log in with that confirmation number their site sends a message stating that its unavailable. this happens everytime. Also when I try to get my report it states that I have already received a report which in fact I haven't received my annual credit report from XXXX  only can I see my report on XXXX XXXX. 

Transunion website is always unavailable and then tell me that I have received my annual credit report.
Product: Payday loan, title loan, or personal loan

I applied online for a personal loan on XX/XX/XXXX. Since then, I have been unsuccessful with obtaining a status on a decision for the loan. I do know that a TD Bank performed a hard credit inquiry as I have a credit monitoring service ( attached PDF ). 

I've only received an email ( attached PDF ) with instructions on how to obtain loan status. As of this date ( XX/XX/XXXX ), the status is unchanged - no decision - stating a rep will call me ( attached PDF - note date of status vs. date on computer bottom right ). 

I've also called TD Bank and the representative was extremely unhelpful, knew nothing and told me to just wait.
Product: Student loan

Ive submitted an application for an income based repayment plan ( SAVE ) on XX/XX/XXXX. Prior to this I was on REPAYE. Since submitting my application, my account was put in administrative forbearance and interest is accumulating - Ive called numerous times to see about the status of my IDR application ( just says in process on my end ) and most recently XX/XX/XXXX was told it was processed but waiting to get pushed through. I was told all applications through the end of XX/XX/XXXX had been processed. Its been over 2 weeks since then, and I have not been able to get more updated information about the status. My loans will exit forbearance on XXXX ( I was told to my previous payment plan ) however the site states I will enter the standard repayment plan ( XXXX XXXXXXXX ) even though I was previously on ( REPAYE ) but I have not been able to get and answer as to why this switched to standard. 

Ultimately Ive been told for over 2 weeks my application for PAYE IDR has been processed, but it has still not been updated on my end and I continue to accumulate interest ( which would not be the case with PAYE ) and remain in administrative forbearance. No one seems to be able to find anyone who can speak to my administrative limbo situation, and when trying to get more senior customer service representatives Im told there are none available. In 3 weeks I will be defaulted to a high standard monthly payment ( which is also an error as I was not on this plan previously )- Im so incredibly frustrated that I can not get any of these things resolved.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS 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 SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX SC XXXX XXXX XXXXXXXX XXXX XXXX XXXX SC XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX  US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX XXXX XXXX Balance : {$0.00} US DEPARTMENT OF EDU ( Original Creditor : XXXX XXXX  ) XXXX Balance : {$0.00} XXXX XXXX Balance XXXX {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX  Balance : {$400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I lost my Earnest Money deposit due to the Lender company ( Loandepot ) backed out on the closing day after ready to close. 

I have signed a contract to buy a property on XX/XX/2021 and worked with Loandepot lending officer XXXX XXXX ( XXXX # XXXX ) on getting the loan. 
I have submitted all my documents requested by XXXX ( lending officer ) including the litigation document related to the purchase property. 
All the documents were submitted for underwriter approval and we got the approval on XX/XX/2021 ( Loan # : XXXX ). 
As the loan contingency removal was due on XX/XX/2021, I took the confirmation from XXXX and removed the loan contingency on XX/XX/2021. 
On the closing date XX/XX/2021, I was informed that the loan can not be funded for that property due to some reason ( I did not receive any official email/mail stating the reason till today ). 
XXXX informed me on the phone that there's an issue with the property and they can not fund it and her assistant XXXX XXXX informed the sellers agent. 
Seller 's agent issued me a demand to close and gave me 3 days to respond with a clause that I'll be loosing my deposit ( {$19000.00} ) if I don't close the transaction. 

As it was clearly a miss from the Loandepot, I asked XXXX about the options to get my earnest money deposit ( {$19000.00} ). 
She mentioned that she is going to work with her manager and initiate the process to refund my EMD amount {$19000.00} from Loandepot. 
After continuous follow ups, I only received a reply over the phone saying its still in process. 
XXXX promised me to get my deposit back saying it was completely their fault so I started looking for other properties and was working with her again. 
But recently I received a call from XXXX and her manager XXXX XXXX to discuss on the XXXX refund. 
XXXX XXXX ( XXXX # XXXX ) spoke to me and mentioned that he can not do anything about my deposit and asked me stop following up on this matter. 
He was a bit rude and was not ready hear anything that I have to ask or say. 

It was so devastating and I don't know what to do. 
Its a huge amount for me and please help me with this issue in getting my money {$19000.00} back. 

Thank you
Product: Credit card or prepaid card

XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, IL XXXX XXXX Re : Billing error/fraudulent charge of {$58.00} on XX/XX/XXXX Macys Acct : XXXX XXXX XXXX Consumer Financial Protection Bureau Dear Sirs : In XX/XX/XXXX, I applied for a mortgage loan & found to my surprise that Macys had reported to the credit bureau ( s ) that I was 3 months late on a {$58.00} charge allegedly made on my Macys/XXXX  XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I provisionally paid {$160.00} ( {$58.00} + {$110.00} in late charges ) to stop additional fees from accruing while the billing error was being resolved. 

The MacysXXXX XXXX XXXX  on which the {$58.00} charge was allegedly made was sent to our former Florida address ( XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX ) ; it was not forwarded & we never received it. I have had the same Macys card for about 7 years ( Acct # XXXX XXXX XXXX XXXX ) but it has Macys not MacysXXXX XXXX on it. 

In my initial phone complaint on XX/XX/XXXX to XXXX @ Macys, I notified them that I/we did not make such a charge & demanded that we be sent a copy of the original {$58.00} charge slip with my signature ; they stated they didnt have it! I demanded the name & contact address of the Macys supervisor in charge of the Fraud Dept. so I could send a written Notice of Billing Error ; they refused saying they couldnt give that info out! I then demanded an email address for the Macys Fraud Unit so I could document the date I notified them of the billing error ; they responded they couldnt receive emails! XXXX promised to notify Macys Fraud Investigations ( Ph : XXXX XXXX XXXX ) of my complaint & he stated that I would receive written acknowledgement of my complaint ( Still not received after 60+ days! ) & a written summary of the results of their investigation of the fraudulent charge ( Nothing received after 60+ days! ) I have made multiple phone calls in attempting to resolve this matter & restore my credit all to no avail. Here is listing of Macys contacts I have made thus far! 

Date Emp. Name Title Phone XX/XX/XXXX XXXX Cust Serv XXXX XXXX XXXX XX/XX/XXXX XXXX  Macys Credit Cust Serv XXXX XXXX XXXX XX/XX/XXXX XXXX Macys Cust Serv XXXX XXXX XXXX XX/XX/XXXX XXXX Macys Fraud Unit XXXX XXXX XXXX XX/XX/XXXX XXXX Cust Serv XXXX XXXX XXXX XX/XX/XXXX XXXX  Citibank Consumer servs XXXX XXXX XXXX ( does Macys billing ) I request that CFPB : 1 ) Help me to obtain a copy of the original XX/XX/XXXX charge receipt for {$58.00} & a detailed accounting of each late charge added to my acct ; 2 ) Help me to obtain a written record of the investigation results in this matter by the Macys Fraud Dept. 
3 ) Assist me in insuring that Macys removes the spurious {$58.00} charge from my acct, notifies the credit bureaus of the error immediately, & issues a refund of the {$160.00} I paid provisionally. 

Thank you, XXXX XXXX XXXX
Product: Vehicle loan or lease

I have been contacting Ally about having issues making my payment as I have been impacted by Covid. They have offered absolutely no assistance. I informed them that I lost both parents in the span of XXXX and XXXX of 2021 which created a financial hardship for me. They refused to help. Then to make matters worse, my entire household is battling Covid as we speak. And Ally has absolutely no assistance in place to assist their leaseholders. I have not even had late payment until recently.
Product: Vehicle loan or lease

After falling behind in my payments, Regional Acceptance Corporation hacked into my telephone contacts and social media contacts. They contacted multiple contacts including ex husband and current boyfriend 's family and advised them that I was not making my payments and that they needed to contact me and have me call the office.
Product: Credit card

On XX/XX/XXXX I went to Costco and applied for the Citi Visa card I was approved was given a temporary card to shop that day. On XX/XX/XXXX I received an email to log in to my account but I was not able to do that since I had not received the card. I called and was told that my account was on a fraud alert was transferred to Fraud Department was told they could not give me any information. So I called again same thing was transferred to Fraud department was told I would receive a letter to verify my identity I asked the rep to what address because I gave Costco my new address, the rep said they cant give me that information. Then I called on XX/XX/XXXX was told again they cant disclose any information I told them I have not received the letter nor my credit card. I told them I received my bill via email on XXXX but I cant pay because Im  not able to register online because I never received the credit card and they would not allow me to pay over the phone because they cant disclose any information. My bill is now due on XX/XX/XXXX and this is not resolved. I have another account with Citi Bank and I called and they verified information by sending me a link via text not sure why they cant do that with Costco one ( I was notifying them of my change of address ) Citi Bank is treating me like a criminal I gave verbal information and verified with Costco all my information was correct including new address. I am worried this will not be resolved on time so that will go against my credit. I want to receive my information so I can log in and pay my bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

This to me is crazy. So Im submitting it again hopefully for the last time. XXXX and Equifax have been not complying with Fair Credit Reporting Act ( FCRA ). I submitted a complaint/dispute about the information listed below. I was the victim of identity theft & the accounts listed below waswere opened fraudulently & without my knowledge, consent or authority. I provided it with documents which demonstrated this legal issue but they have ignored these documents. They claim they verified the accounts without providing me with any legal documents, contracts or verifiable proof they were opened by me. They are not adhering to section 605b by blocking or removing them from my report. Additionally they are violating sections 616 & 617 for willful noncompliance & negligence. I need these accounts blocked/removed from my credit file per FCRA. XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4400.00}, XXXX  XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$3500.00}
Product: Checking or savings account

My account with Citizens Bank was an account they Bought with XXXX. I was very happy with XXXX, Citizens not so much.There website never works, signins do not work with the most popular browsers. We constantly have to call and wait on hold for hours and we are told upgrade our browsers. 

Now on top of this CItizens keeps Charging me services fees. As a 16 year long customer of XXXX I never had fees for statements, or not having direct deposit. CItizens inists on charging me these service charges XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} XX/XX/22 Service Charge Statement Delivery - {$3.00} I want them waived because as an original XXXX customer I never had fees like this. To implement these surprise fees when they bought MY account is bait and switch. they shhould leave the services the way they were. These fees are completely unfair to people on limited income
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute inaccuracies related to closed accounts listed on my credit report dated [ Insert Report Date ]. Under 15 U.S.C. 1681 ( a ) of the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of credit reporting, I am requesting the removal of the following closed accounts due to inaccuracies and unverifiable information : XXXX XXXX XXXX Issue : The account is inaccurately reported as closed and contains unverifiable information. 

XXXX XXXX XXXX XXXX XXXX The account status and details are not accurate and require removal. 

XXXX XXXX XXXX : The account contains incorrect information related to its closure and payment history. 

XXXX XXXX XXXX XXXX XXXX : The information provided is unverifiable and should be removed. 

Per the FCRA, I request that you : Investigate these accounts and verify their accuracy. 

Remove any accounts that can not be verified or are reported inaccurately
Product: Debt collection

I checked my credit history today ( XX/XX/XXXX ) and found that STELLAR RECOVERY was claiming that I owed {$440.00} to the original creditor of XXXX XXXX with an open date of XX/XX/XXXX. I have never had XXXX XXXX and do not owe this amount. I ask that it is completely removed from my credit history.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Against [ TRANSUNION ] for Repeated Violations of the Fair Credit Reporting Act and Request for Deletion of Inaccurate Account Information Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against [ TRANSUNION ] for retaining inaccurate account information on my credit report despite multiple violations of the Fair Credit Reporting Act ( FCRA ), and to request the deletion of the inaccurate account information and legal action against [ TRANSUNION ]. Account Information : Creditor Name : XXXX XXXX XXXX Account Number : XXXX Despite providing clear evidence of the inaccuracies in the above-referenced account and requesting its removal from my credit report, [ TRANSUNION ] has repeatedly failed to comply with the FCRA and has retained the inaccurate account information. This ongoing non-compliance with the law has caused me financial harm and distress. The violations committed by [ TRANSUNION ] include but are not limited to : - Failure to conduct a proper reinvestigation following multiple disputes - Failure to delete inaccurate information as required by Section 611 ( a ) ( 5 ) ( A ) ( ii ) of the FCRA - Failure to adhere to 15 U.S. Code 1681i ( 5 ) by retaining inaccurate account information I am requesting that the Consumer Financial Protection Bureau investigate this matter and take immediate legal action against [ TRANSUNION ] for its repeated violations of the FCRA. I am also seeking the immediate deletion of the inaccurate account information from my credit report and appropriate measures to ensure that [ TRANSUNION ] upholds its obligations under the law. Thank you for your attention to this matter. I look forward to a prompt resolution and your assistance in rectifying this issue and holding [ TRANSUNION ] accountable for their actions. Sincerely
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax says that my personal information may have been exposed in a recent cyberattack. This has put me through undue stress in a rush to retrieve credit reports and place fraud alerts. Additionally, the Equifax website where one can check whether their information has been exposed is highly faulty. Many media outlets have reported how the site says that the information for made-up people with made-up social security numbers may have been exposed. This unreliability only worsens the problem of detecting if you 're at risk, as now everyone is in a frenzy and fraud alert and credit report websites are often unavailable because of the extremely heavy load.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/year> Per the FTC it is illegal to lie and mislead a consumer by telling them the FTC report is invalid for any reason. As long as my name and contact information is on the report and what I am disputing you must delete per FTC manager. This must be resolved by deleting any inaccuracies immediately. TransUnion has not complied with the law, and it has been documented of every report.
Product: Credit reporting or other personal consumer reports

I am now requesting proof of the previous investigation. As these erroneous accounts has been so called verified, I'm asking that you send your method of investigation, along with all records of who you spoke with, their business address, name, and phone number as well as documentation that proves this erroneous account is of my doing and accurate. 

( Whenever a consumer reporting agency prepares a consumer reports reasonable procedures to assure maximum possible accuracy of the information concerning the Individual about whom the report relates to ) according to Title 15 USC 1681 ( e ) ( b ) ( XXXX XXXX XXXXXXXX XXXX ) *Information furnished need to be maximum possible accuracy* if you can not provide me with this information in 15 days remove the account from my credit file and send me a copy of my updated credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior complaint, and I'm including it again. 
XXXX XXXXXXXX Balance : {$15000.00} XXXX XXXX Balance : {$15000.00} XXXX XXXXXXXX Balance : {$15000.00}
Product: Mortgage

In XXXX of 2014, I received a loan modification offer from Bank of America while in litigation working with a law firm to help facilitate the process. After making several trial payments, I received a permanent loan modification offer in XXXX of 2014 which was nothing like the modification offer/details provided in XXXX. The offer in XXXX is severely damaging and provides absolutely no relief or comfort to save my home. Furthermore, it keeps me extremely buried upside down to the point it feels like a cruel joke. They did a total breach of contract. The changes below highlight the significant changes : SETTLEMENT OFFER XXXX 2014Loan Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for XXXX years. 
Amortization term XXXX. 
Principal balance {$390000.00}. 
Principal forbearance {$160000.00}. 
Principal forgiveness of {$270000.00}. 

SETTLEMENT OFFER XXXX XXXX Balance : $ XXXX Value : $ XXXX : $ XXXX & Interest Payment : $ XXXX 2 % for 3 years. 
Amortization term XXXX. 
Principal balance {$830000.00}. 
Principal forbearance {$230000.00}. 
Principal forgiveness of {$0.00}. 
Balloon Payment : $ XXXX have complained to my attorney 's office, but they were only confused as well and not sure what or why XXXX did something like this. I even received permanent loan mod docs for signature late from my old attorney and they just wanted me to sign without questioning the complete change in loan modification terms. I reluctantly did as my counsel scared me into thinking if I did n't, I would lose my home. I dismissed my case and my attorney in order to represent myself as I began to feel like the attorney 's office did n't really care anymore since I paid them in full.