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

Acct # : XXXX Acct type : Medical Collection  Furnisher : XXXX XXXX XXXX XXXX Dispute type : Incorrect information I requested to remove incorrect information from my credit history many times. Equifax always responded the same template to me with only updated day/month and referred me to XXXX ( a collection agency which doesn't respond to my requests as well ). I requested for a description of the procedure used to determine the accuracy and completeness of the information, and I never received any response. DEFINITELY, THE DATE OF 1ST DELINQUENCY IS INCORRECT, BECAUSE THERE IS NO STATEMENT VERIFYING IT, AND I ASK FOR A DESCRIPTION OF THE PROCEDURE USED TO DETERMINE THE ACCURACY AND COMPLETENESS OF THE INFORMATION BY THE CALIFORNIA LAW.
Product: Mortgage

Loan was transferred wot Mr Cooper on XX/XX/XXXX. The first payment is due XX/XX/XXXX. The loan numbers included on the paperwork filed regarding the transfer are not recognized by their automated system. I have been trying for weeks to get information regarding the loan and there is no way to get help. They have XXXX chat that says the loan numbers are incorrect and I give me a number to call. The number is an automated system that won't accept the loan numbers we were sent. I have never experienced a more inept financial institution. I am complaining bitterly to my home bank and warning against selling loans to Mr Cooper ever
again. But I am stuck with a loan that has XXXX customer service and will face late fees and credit issues simply because they can't answer an email or phone call.
Product: Credit card or prepaid card

My XXXX XXXX Credit/Debit card connected to my checking account with the bank was charged a total of {$9600.00}. Between XXXX and XX/XX/2021. I downloaded an App for Binance.Us. and invested a total of {$20000.00}. After the initial investment Binance continued to withdraw money from my account without my consent or authorization. My account was compromised because, I did not get any SMS notification to my phone number or any email address, to show on going activities on my account. Several attempts made by me to sign into my Binance.us account was unsuccessful. At present I have no access to my Binance account to see my invested {$20000.00} or to track the {$9600.00} additional amount withdrawn without my consent. This matter has been reported to XXXX XXXX  and to Binance for investigation. It has been over two weeks and I am not getting any response from both companies. 
Please kindly assist me with this matter because this has placed a huge financial strain on my family. When I went to the back to make my mortgage payment, I discovered that the balance on my account was only about {$2000.00} dollars. Some of the money lost was money set aside for our monthly mortgage payment and family investment. I will be grateful for your assistance in addressing this matter timely. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the fair credit reporting act XXXX account XXXX XXXX  has violated my rights 15 USC 1681 Section 602 states I have the right to privacy 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish account without my written instructions 15 USC1666B : A creditor may not treat payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am sorry but there are several accounts on my credit report that need to be removed and you all kept them on there they are paid off
Product: Student loan

I am in XXXX XXXX XXXX. Stage XXXX. I need a XXXX XXXX. I am on a XXXX XXXX machine 20 hours a week. I an unemployed I do not have employment income to pay a student loan. I attempted to make 5 payments with my savings. I no longer have savings. I could not have anticipated XXXX XXXX. Navient doesn't care. Navient calls 4 times a day to collect. No respect to my XXXX XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Today 's date is XX/XX/XXXX. Beginning on XX/XX/XXXX I started the process of refinancing my mortgage with my current lender Chase. Since then, I have provided numerous documents and financial reports to them. No closing has occurred and various statements have " expired '' and I have had to resend them. I have been told by numerous people that they are " putting a rush on things '', and " hopefully by the end of the week ''. I am frustrated to the point that I am making this complaint. Attached is the loan estimate from XX/XX/XXXX with the expired rate lock. I have all correspondence also. At times I was worried that this was a predatory lender or loan fraud. Below are the individuals I have dealt with : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX ID XXXX XXXX XXXX XXXX  XXXX Chase XXXX XXXX XXXX XXXX XXXX, Ohio XXXX | Office : XXXX : XXXX XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX | XXXX  ID XXXX XXXX XXXX XXXX  XXXX Chase XXXX XXXX XXXX XXXX XXXX, XXXX XXXX WI XXXX XXXX XXXX : XXXX | Fax : XXXX | XXXX XXXX Office hours : XXXX XXXX. to XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Team Supervisor XXXX XXXX ID XXXX XXXX XXXX : XXXX
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It's my understanding that XXXX, Equifax and XXXX will investigate this account for me to ensure accuracy Here is the account I have asked you to asking you to verify as accurate : Account Name : XXXX Account Number : XXXX The Date Opened for this account on XXXX is XX/XX/2021. The Date Opened for this account on XXXX is XX/XX/2021. This is inaccurate history reporting. If this item is from the same creditor, the information should be the same from all three bureaus. This inaccurate information falsely manipulates the my credit worthiness and it's hurting my ability to obtain credit. 

XXXX, Equifax and XXXX failed to investigate this account properly after I repeatedly asked via written request to have the account updated. Your negligence has once again violated my consumer rights. I am demanding a deletion of the following account : Account Name : XXXX Account XXXX : XXXX
Product: Credit card or prepaid card

Got a Citicard and was not told of the {$95.00} renew fee nor was I told when the promo interest rate expired so I could pay off the card I requested to close the account in XX/XX/2018 VIA US MAIL which is when they billed me {$95.00} for a renew fee and then they kept charging me interest and ignored my request
Product: Credit reporting or other personal consumer reports

I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX  - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX - DATE OPENED XXXX XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX XXXX XXXX  DATE OPENED XX/XX/XXXX Account Name : XXXX # XXXX - DATE OPENED XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX - DATE OPENED XX/XX/XXXX UNAUTHORIZED INQUIRIES : DEPT OF ED XX/XX/XXXX DEPT OF ED XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX, 2019, XXXX/MERCEDES BENZ XXXX XXXX add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX  add a hard inquiry on my credit report per XXXX. 
On XXXX XXXX, 2019, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following inquiries. XXXX and remove it. 
XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX, XXXX XXXX  Date of Inquiry XX/XX/XXXXXXXX XXXX XXXX  Date of Inquiry XX/XX/XXXX, XXXX XXXX Date of Inquiry XX/XX/XXXX & XXXXXXXX XXXX Date of Inquiry XX/XX/XXXX
Product: Checking or savings account

On XXXX XXXX I made a mobile check deposit with ally totaling in XXXX I explained to them it was a tax refund check and it was sent from XXXX which is the number on the check I even called the business on the check and they said it was paid out to ally I was gave a date which was XXXX XXXX I still havent been able to access my funds! I have a lot of responsibilities and I would have never did this if I knew it was going to be so much trrouble the customer service barely wants to talk to me about anything I offered emailing mailing any documentation identification etc and nothing is being accepted this has been the worse experience of my life knowing Im giving all Information thats needed and im still being held from my money and blocked out my account
Product: Credit reporting or other personal consumer reports

Recently I looked at a copy of my credit report and noticed several inaccuracies on 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. 
Here is the item I am asking you to verify as accurate : XXXXXXXX XXXX XXXX ( XXXX )
Product: Credit reporting or other personal consumer reports

I was reviewing my credit reports and noticed and inquiry that I did not authorize : XXXX XXXX XX/XX/year>
Product: Mortgage

I did not give my written consent to report on my credit, this account had suppose to be in the business name using the EIN number according to code ( 15 USC 1681B 35 ) permissible purpose.This is a violation please remove or stop reporting to my credit report. its also reporting late according to code ( 15 U.S. code 1666b ) timing of payments and code ( 15 U.S. code 1681a definition ; rules of construction please stop reporting ASAP please and thank you.
Product: Debt collection

Equifax continuously reports accounts on my credit report that are n't accurate. XXXX XXXX XXXX XXXX has sent over information stating that the account should be deleted. They have also contacted the CFPB stating that the accounts will be removed from my credit report but Equifax continues to report it when it turns affect my credit report. I 'm not sure why Equifax continues to do this with my credit file. The next step will be to file a law suit against Equifax seeing as though they dont follow through correctly with my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX ( XXXX ) U S DEPT OF ED/XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) n accordance with the Fair Credit Reporting act XXXX  Account 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
Product: Credit reporting or other personal consumer reports

I LOST my wallet along with my SSN card long ago. I am a victim of identity theft. I have obtained a copy of my credit report with EQUIFAX.COM AND XXXX and there are multiple accounts reporting to my credit profile that are fraudulent. I have also found out that the accounts listed below are not connected to my current address : The information listed in this letter, which is reporting to my credit, does not relate to any transaction ( s ) that I have made. It is the result of identity theft.
Product: Credit reporting or other personal consumer reports

All student loans have been fully paid off. 

Ed financial has refused to report updated information to the Credit Bureaus. Ed financial is still reporting balances that have been paid in full.
Product: Debt collection

In XXXX, I filed a complaint against the Agency of Credit Control for reporting a debt I do not owe, allegedly from XXXX or XXXX or something from " XXXX  XXXX  XXXX  ''. I had no knowledge of this, filed a complaint over failure to receive a dunning letter, and failure to validate this debt which I do NOT owe. My first complaint was when the agency tried to violate my rights by saying they didn't need to send me anything. They later, after I filed complaint, sent me a letter acknowledging that I did NOT owe the debt and that they would remove it from my credit report. Great. But when I went to buy a car today with my husband ( a few months after they said they would remove ), I still see the debt on my credit report. This agency will now, over false derogatory information, be costing me more money in my car loan than what they claim I owe them. I have no other derogatory information on my credit report and this agency has proven themselves to be unethical in continuously reporting false information. This has gone beyond a simple matter of principle and I will escalate this issue until a satisfactory resolution.
Product: Consumer Loan

The car was a voluntary repo back in 2008 and should be reported as closed and not an open collection file on my credit file, several attempts made to correct my credit file and the file should not be reported since its over 7 yrs old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted  XXXX , about a unauthorized inquire showing up on MY Experian and  XXXX   XXXX  credit report back in  XX/XX/XXXX . I  have reached out to  XXXX  several time from    XX/XX/XXXX   to  XX/XX/XXXX  with no   resolution. I 'm in the process of buying a home so I 've been extremely focused on NOT applying for any new accounts of any kind.   XXXX  I have been a vi ctim of Identify theft twice within the past 10 yrs. I have co ntacted the credit agencies and they are no help at all. I have been in contact with them as well in regards to some other fraudulent accounts over the yrs. It has taken me countless of hours and thousands of dollars to prove these account were not mine. I have placed fraud alerts on all  XXXX  credit reporting agencies to protect me but as I 'm realizing nothing if full proof. Because of the fraud alert creditors call to verify information per the statement on my credit report. I DO NOT APPLY FOR ANYTHING ONLINE out of fear of have my information compromised again.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees Ive 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 transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made several attempts to do an open dispute online with Equifax and it will not let me I have updated my current information with Equifax and I know everything that is in my credit file but some reason it will not let me open a dispute this has been an ongoing process in the last month and I need to know why it will not let me do an online dispute. Some of the public information it presents to me does not have anything to do with me whatsoever so I am wondering if this could be identity theft something is just not right. I need to know what steps I need to take to resolve this matter with Equifax and get a free copy of my report.
Product: Vehicle loan or lease

My vehicle was in a collision with a bear and was determined a total loss by XXXX XXXX XXXX. Insurance called JP Morgan Chase, got the payoff amount and the address to send the check, on XX/XX/22. on XX/XX/22 I get a letter from Chase stating I am behind on my auto loan. I verify with insurance that the check was sent and called Chase. The XXXX  representative told me that the check was received XX/XX/22 but I would need to be transferred to the loss department of Chase due to an issue. That person told me that the check was lost and he had placed a work order to have it investigated. 
When I informed my insurance of that they said the check was already cashed and they had received the check back. So I called Chase back again, and they put me on hold to call my insurance company. When they got back on the line they stated that my insurance had sent the check to the wrong address, my insurance had provided them a copy of the check, and they were opening an investigation. I should hear from them soon. 
XX/XX/22 I get a letter from Chase requesting I send them a copy of the check my Insurance sent them.

I call Chase to ask what is going on and the representative tells me that the work order that was placed in previously was mishandled and he was re-submitting the work order more detailed and would follow up to make sure it is handled properly. I vent my frustrations to him that this process is taking too long and I am wondering if I should seek legal counsel. I was told that was my choice but processes like this with a vehicle total loss can take up to 3 months and to blame my insurance company for sending it to the wrong location. I instruct this person that my insurance company retrieved the address from Chase and that a representative told me that Chase had received the check on XX/XX/XXXX, which he confirmed and all they had to do was credit it to my auto loan and this would be done with. He then admitted that the Check was received but was deposited in the wrong account, and would be fixed soon.
Product: Debt collection

I am filing a complaint against TransUnion for failing to properly investigate my request for securitization verification, which I believe violates the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 5 ), which requires a thorough investigation and the provision of documentation for verification.

Details of the Situation : Request for Securitization Verification : I submitted a request to TransUnion to verify the securitization status of an account listed on my credit report. My request was based on the need to confirm compliance with 15 U.S.C. 1681i ( a ) ( 5 ), which mandates that credit reporting agencies must provide documentation proving each transfer and ensure proper securitization of the debt.

TransUnions Response : TransUnion responded by verifying the account as accurate and meeting FCRA guidelines, but they did not provide any supporting documentation or records regarding the account 's securitization or the transfers that occurred. They failed to provide evidence proving each transfer and compliance with proper securitization protocols.

Failure to Comply with FCRA : Under 15 U.S.C. 1681i ( a ) ( 5 ), when a consumer disputes an item on their credit report, the credit reporting agency is required to " reinvestigate the disputed information '' and provide " all relevant information '' that substantiates the information being verified. By failing to provide the requested documentation on the securitization process and transfers of the debt, TransUnion did not properly investigate my dispute or provide the necessary evidence.

Securitization and Transfer Documentation : I specifically requested documentation that proves the securitization of the debt, along with records for each transfer of ownership, to ensure that all proper transfer protocols were followed. 15 U.S.C. 1681i ( a ) ( 5 ) requires that such documentation be provided when the consumer disputes the information, and TransUnion has failed to comply by not providing this information.

Impact : TransUnions failure to provide any documentation related to the securitization of the debt or the transfer of ownership of this account means that they have not fulfilled their obligations under the FCRA. This has left potentially inaccurate information on my credit report, which negatively impacts my creditworthiness and financial stability.
Product: Mortgage

I live in MA, and have an FHA mortgage, I received a notification today that my NewRez mortgage company will be charging a late fee, in MA a mortgage is not late within the first 30 days, what makes this company think that they can charge what they feel?
Product: Mortgage

Loan Depot lured me with very good rates, " locked me in '' on good refi rates for my home and my rental property and then requested supplemental information repeatedly all under the guise of XXXX and XXXX requirements. I turned all their info requests around within 2 business days. Their last info request questioned my " ownership '' of a rental apartment I had rented from XX/XX/XXXX to XX/XX/XXXX and my " ownership '' of the building that houses my former employer, XXXX! These kinds of questions had gone on for about 3 months and then, when they finally approved both refis, they indicated that the rates had gone up. It was a classic bait and switch. I declined their revised rate offer, but they should not be allowed to do this to others.
Product: Student loan

I am currently experiencing some of the same issues involving navient. I took a private loan out to repay for my XXXX XXXX. I was informed that these loans are in forebearance rather than deferment while in school. So a small loan turned into a large amount which is currently accruing interest while in forbearance. I feel as though I have been lied to about the correct appropriations of my repayment efforts. Furthermore, Navient did not consult me regarding my forbearance.
Product: Student loan

I called Great Lakes on XX/XX/XXXX requesting a refund on payments sent during the COVID pause. I was given a 20 business day lead time for the balance to be received back to my account. On XX/XX/XXXX, I called once again after I still did not receive my refund. They could not give me any information and gave a vague " any day now ''.
Product: Credit reporting or other personal consumer reports

Dear Experian, I looked at my credit report on XX/XX/year> and, I am writing to dispute the accuracy of certain information on my credit report, which violates my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are inaccurate and have violated my rights : - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I obtained a copy of my Experian credit report on XX/XX/year>, and noticed that the above-mentioned accounts contain inaccurate and incomplete information. As a consumer reporting agency, Experian has a responsibility to follow reasonable procedures to ensure the maximum possible accuracy of the information concerning me, as required by 15 USC 1681e ( b ).

Furthermore, pursuant to 15 USC 1681i ( a ) ( 5 ), I request that you please delete any information that can not be verified or is found to be inaccurate.

Delete the following account numbers which violate my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX