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

I can't believe that I continue to deal with these issues from the credit bureaus. How is this legal? XXXX, TransUnion and XXXX, all say that they have reviewed my reports, and everything is reporting as it should. Everything is accurate, no mistakes and its XXXX XXXX XXXX who owns these accounts. None of the accounts I question have any errors and it's been 100 percent verified. Well i have again more proof that I continue to collect and use for a later date if these items are not removed immediately. Account # XXXX is not only on my report 4 times from the list above. The part that stands out the most is how they all have different last active dates! How do you all have the same account that was supposed to be verified as 100 percent accurate report XXXX different last active dates! Are you purposely trying to get sued for breaking the law?? 
Remove these accounts immediately from my credit profile for reporting inaccurately, failing to investigate, and falling to verify these accounts.
Product: Mortgage

My debt got sold to Shellpoint Mortgage Servicing at the end of XXXX. Since then we have communicated with them twice about the following issue : When we send additional principal payment, they apply it to the monthly principal and interest payment.They essentially prevent early principal repayment. The first time it happened they said we need to use the official slip and write explicitly that it is principal only. We have done that and they continue with the same practice. They are blocking our early debt repayment and I believe this is fraudulent practice.
Product: Credit reporting or other personal consumer reports

I reviewed my credit report back on XX/XX/year>, and noticed some things are incomplete and not accurate. I sent a letter to Experian on XX/XX/year> and asked them to investigate the completeness and accuracy. I received the results and noticed they did not fix anything. They are breaking several Federal laws.

According to 15 USC 1681e ( b ) it states this ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

I also asked them to provide me with a description of the investigation according to 15 USC 1681 ( 7 ) : ( 7 ) Description of reinvestigation procedure : A consumer reporting agency shall provide to a consumer a description referred to in paragraph ( 6 ) ( B ) ( iii ) by not later than 15 days after receiving a request from the consumer for that description. But they did not do that as well either.

They are also breaking these laws as well below According to 15 USC 1681s-2 it states this. ( A ) Reporting information with actual knowledge of errors : 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. ( B ) Reporting information after notice and confirmation of errors : A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

Navient falsely stated in the prior complaint that they sent me a welcome letter. 
I never received anything from Navient until XXXX of 2020. Navient 's own responses to the first complaint prove that point that they were contacting someone else in XXXX, TN. Where did the welcome letter go? Who did they send the XXXX [ the prior loan servicer ] information to? Did they sent the welcome letter to XXXX, TN. Again, I have never resided there!!!!!! I have never resided in the XXXX at all. How could I update a company about my address and I knew nothing about Navient or XXXX!!!!! All of my student loans had been deferred to to hardship. I would have handled this IF I RECEIVED ANY INFORMATION ABOUT THE ACCOUNT. Being truthful is the key. I have never received anything from Navient until XXXX of 2020. I told Navient that I did not, nor have I ever resided in XXXX, TN!!!!! 

Unfortunately, since I didn't receive an email, after receiving mail from Navient in XXXX of 2020, it reminded me of my complaint against Navient. XXXX XXXX Old Complaint ], since they had never verified sent any verifications to me, and they certainly would have never contacted me in XXXX, TN. That is not me!!! 

Since XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TN XXXX was given access to the account first that means information is being shared. I never logged into that account and entered that address as the representative stated when she provided me with a link to that account. That means not only was Navient sending person information to someone else they allowed someone else log into the account that is scary!!!! I told Navient to I was concerned about this. Verification was never sent to me. Now you have clarified that you or whatever reason sent mail to soneone else, they logged into the account and then they tired to get me to log into it after I saw the address information on the account that did not belong to me. XXXX During this time you report against my credit too while you send mail somewhere I never lived??? Your response said you mailed a welcome letter. What address did you mail it to? Why did I have to file a complaint against you, while you ignored me from XXXX - plus accept credit reporting!!!! Did you verify who that was in Tennessee before you gave them information [ written and electronic ] +-it 's appears not.
Product: Checking or savings account

BB & T has done ti to me again now they are XXXX my direct deposit to the point I ca n't provide any food for my family or even get present for my grandchildren for XXXX They are always too busy to work with customer to clear up such mess and they have XXXX assigned ot my account and prior she just blew me off and then has done such again.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, Tx XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX Balance : {$4200.00} XXXX XXXX Balance : {$4600.00} XXXXXXXX XXXX XXXXXXXX Balance : {$3900.00} XXXX XXXX  XXXX Balance : {$2900.00} XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX Balance : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Complaint against XXXX XXXX XXXX, SOUTH WEST RECOVERY SERVICE,  XXXX XXXX, XXXX XXXX. 

XX/XX/XXXX - I submitted an application ( XXXX participating professional application ) to XXXX to establish a consumer credit program for, and to obtain merchant processing privileges. 
This program allows consumers to pay for dental services with XXXX XXXX. ( appendix a ) Application approved by XXXX XXXX ( XXXX ) Terms and conditions : XXXX ( appendix b ) XX/XX/XXXX XXXX   Welcome Letter ( appendix c ) : Thank you for adding the XXXX healthcare credit card ( offered by XXXX XXXX ) as another payment option to help more patients access care without delay. 

A terminal for processing XXXX was received. Part Number XXXX. Description XXXX XXXX, XXXX XXXX, XXXX. 
Serial Number XXXX. 

This terminal was used to process XXXX XXXX transactions until XX/XX/XXXX. 

XXXX XXXX XXXX letter informing of transition of XXXX to XXXX XXXX XXXX of commercial credit card transactions ( eg Visa, MC, XXXX etc ). This agreement was not to affect my XXXX Private Label Credit Card program. ( appendix d ) XXXX XXXX XXXX NEVER contacted me. The letter said " NO ACTION NEEDED ON YOUR SIDE '' PROBLEM :XX/XX/XXXX email from XXXX. ( appendix e ) Informs me of outstanding debt of {$890.00} from XXXX XXXX XXXX for equipment NEVER received XXXX XXXX XXXX XXXX This account is considered to be past due and will be reported against your personal credit on XX/XX/XXXX. 

My Comments : As soon as I received XXXX letter of XX/XX/XXXX I  contacted XXXX by phone asking them how to return their terminal ( XXXX XXXX, XXXX XXXX, XXXX ). They informed me that their terminal was not to be returned. I only needed to return XXXX XXXX XXXX terminal if I did not wanted to accept Credit Cards ( Visa, MC, XXXX, etc ). 
IMPROTANT FACT : I told XXXX representative that I had not received the terminal from XXXX XXXX XXXX. 
IMPORTANT FACT : I have never process CreditCards ( Visa, MC, XXXX, etc ) with XXXX XXXX XXXX. 
IMPORTANT FACT : XXXX XXXX Representative told me that it must have been an error as XXXX XXXX WOULD NOT provide the credit card service to merchants in XXXX XXXX. 
Representative told me I could disregard letter. 

Conclusion- XXXX XXXX does not do business in Puerto Rico . 
Terminal was never received. Please provide proof of delivery.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Subject : Dispute of Inaccurate Late Payment Reporting on Credit Report Dear CFPB, I am submitting this complaint regarding inaccurate late payments that are reported on my credit file maintained by Equifax for my XXXXXXXX XXXX  account. These late payments do not accurately reflect my payment history. 

Summary of Errors and Discrepancies : Inaccurate Late Payments : All three bureaus report late payments ( 30, 60, and 90 days ), which are incorrect since payments were consistently made on time through autopay. 
Contradictory Account Status : Although the account is marked as " Current '' and " Paid, '' the payment history reflects late payments, which conflicts with its actual status. 
Inconsistent Reporting Dates : Each bureau lists different reporting and activity dates, leading to discrepancies in the record of account status. 
Credit Limit Discrepancy : The reported credit limit is {$0.00} across all bureaus, which may not accurately reflect the original credit line. 
These errors misrepresent the accounts history and potentially violate the Fair Credit Reporting Act ( FCRA ). I request that Equifax correct these discrepancies to ensure accurate reporting. 

Nature of the Complaint : Inaccurate Reporting : The reported late payments are erroneous. I have consistently made timely payments, as all my accounts, including this one, are enrolled in autopay. 
Violation of the Fair Credit Reporting Act ( FCRA ) : The inaccurate reporting of these late payments violates my rights under the FCRA ( 15 USC 1666 ( b ) ), as it misrepresents my creditworthiness.

Potential Violation of the Fair Debt Collections Practices Act ( FDCPA ) : Reporting of false late payments may also violate the FDCPA, which protects consumers from misrepresentation regarding their accounts.

Truth in Lending Act ( TILA ) : I assert that the reporting practices violate the TILA, which mandates accurate credit information reporting.

Additionally, the FCRA ( 15 U.S. Code 1681i and 1681s-2 ) mandates that credit reporting agencies and information furnishers correct any inaccurate or incomplete information in credit reports and ensure the maximum accuracy of information in consumer files. Articles 616 and 617 ( 15 U.S.C. 1681n and 1681o ) outline the civil liability for willful and negligent noncompliance, allowing for damages if agencies fail to comply.

Requested Resolution : I request that Equifax conduct a thorough investigation and remove the inaccurate late payments from my credit report. I ask that all entries reflect my actual payment history of 100 % on-time payments. Please provide written documentation of the corrections within 30 days of this complaint. Failure to resolve this issue may lead to further action to protect my consumer rights. 
Sincerely, XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

This company has violated the UCC 3-603 and UCC-3-311.

neglecting payment made with a negotiable instrument.

The company also is refusing to validate and honor 15 U.S. Code 1692g The company does not provide statements or documents.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX XXXX who is submitting this CFPB complaint myself and to inform you that there is no third party involved in the process. I attached my Id docs so you will know who I am. This is not someone else is filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting information.
Product: Mortgage

My refinance process has been a nightmare. I applied in XXXX. I shared my questions and concerns with loan officer, XXXX XXXX and after collecting everything that was needed to start a file, a {$600.00} appraisal was ordered and a title company was notified. I was sent to a processor, XXXX XXXX almost immediately to continue the process. I was told for weeks that everything looked good and that things were moving along. I received and signed several disclosures including a closing disclosure. A notary was sent to my ex-husband 's house to sign off on the title. I started receiving emails that closing was just around the corner and then I got a phone call. XXXX advised that she had just realized that I commute to work. She said that she was working through the issue and that I might need to compose an explanation letter. I had the letter sent to her the next day, then silence. When I asked her for a status, she stated that she was still working through the issue, then silence again. When asked for another update she said that my file was being reviewed by XXXX, my loan officer and that he would be in contact, silence again. I finally got a hold of XXXX and he stated that incorrect information was given to underwriting in regards to my primary residence and commute. XXXX said that he was going to get management involved and that he would be in touch. Weeks have gone by and I have tried to reach out several times with no response. If the loan has been denied I do not deserve to be treated like this and there should be an explanation. I have provided all documentation in a timely manner and have been upfront about my situation. My paychecks and W2s clearly have a XXXX XXXX address and the property being refinanced is in XXXX. If this was an issue it should have been addressed day one. When an issue arose, this company gave up and clearly did not follow through with anything. I have been a Mr Cooper customer for years. I have been paying my mortgage solely since my divorce in XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have pulled my credit file and filed a dispute with XXXX XXXX with this Report Created On : XX/XX/XXXX File Number : XXXX : unlike the other Credit reporting Co. I have received some way to track the disputed issues they have in my reports : On the day I called that morning of XX/XX/XXXX and I talked to Trans Union employee XXXX, I will out line once more ( XXXX ) on the end of my name is fuels I will state it once more I am a single child with no children and have never filed a contract with this at the end on my name if they have put in on there it can not be because of my age and if this is so this would be Age Discrimination - EEOC : and other dispute I filed was XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX : and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Requested On : XX/XX/XXXX I have no way to track theses disputes Let it be noted that the Trans Union employee XXXX told me three times on the phone that I would have to Pay them money for me to look at my FICA # and review any thing on my file as I received and Partial copy via internet of my credit report from the XXXX XXXX XXXX it was not a full copy as required by LAW! and a copy my mail was not sent. as of yet. I want clear Access to my Trans Union credit file when a dispute is on going : As of XX/XX/XXXX I have received 5 emails from Trans Union : saying " you can see your file and Trans Union score '' - but is was a marking emails for me to buy Their alleged credit Protection programs and not my disputes on file as of right now I do not know if they have done anything about the disputes I have giving them and requested these dispute be removed from my reports.
Product: Credit card or prepaid card

I have been a customer of Citicard for 26 years. My bills are on autopay. 

I recently looked at my account statement and the numbers don't add up. I have not had this problem before. I first spoke with a representative, then a supervisor, and now ( XX/XX/19 ) a person ( XXXX ) on the corporate team. They have been unable to explain the bill to me and are giving me somewhat contradictory information. I asked XXXX several times if I could speak to someone else and he refused, saying he was the highest level. I finally gave up in frustration.
Product: Credit reporting, credit repair services, or other personal consumer reports

The response of the company indicated that the account was closed. The account was closed the money in the account was issued back to consumer then a month later the bank decided that there is {$190.00} dollars outstanding balance. the question is when the account was closed and the check was issued to the consumer if there is an outstanding balance it would have been taken care of. and if the bank account is closed then it should have not have any activity for the account was closed by the consumer. Did the bank personal stole the money and then put it on a closed account? lets face it we know you are thieves and we know your practices. Hey logic use logic. a closed account can't have activities! closed account that issued the balance to the consumer without counting the funds claimed is bank error that the bank needs to know they are the preditoter. WELLS FARGO proved themselves to be thieves. They pay their tellers {$10.00} dollars in hour and those tellers seek public assistance and that is steeling for the bank is profitable to pay their tellers. but the executive gets paid $ XXXX plus while the tellers are getting public assistance those behavior of unethical practices have empowered the XXXX to act in such a savage way! and where we are now the time of the truth we the people are not going to allow any form of abuse to any of us! Wells FARGO we will expose your unethical behavior You stole the {$190.00} dollars because your hungry staff can't even eat! and now you are sticking it to the citizens we will not stop and I will keep posting it until the public is aware of your unethical behavior and whoever supports it
Product: Mortgage

Dates : XXXX, XX/XX/XXXX. XX/XX/XXXX, and other dates in XX/XX/XXXX Company : Freedom Mortgage Amounts : $ XXXX refinance for existing home mortgage Actions : 1. When I applied for the loan earlier this year, I specified that I was going to bring the money to closing. DO NOT roll the amount into the mortgage.

2. I was supposed to close in early XXXX. However, whenever the officer contacted me, I kept being told that I didn't have to bring anything to closing. 
3. I kept talking to them about me bringing the money to closing. They kept telling me that it's being handled by escalation officer. It would be corrected.

4. We kept pushing out the closing date due to the same issue. On XX/XX/XXXX, I couldn't believe that they were still telling me that I didn't need to bring any cash for closing. I was very upset and threatened to end this process. They promised that it would be corrected by the end of Friday ( XX/XX/XXXX ). 
5. On XX/XX/XXXX I contacted them again, I couldn't believe that they still told me I didn't need to bring any money to table. I simply told them that if it wasn't corrected by XXXX which was the scheduled closing date, I would go with another company. They promised they would correct it. Later that day, I even got a call and they told me the amount I was supposed to bring to the table and who the check should be made to. The officer and I went over the document ( in attachment ) and she told me the amount {$2600.00} was the amount I would bring to the table, despite I doubted that it said " cash to close was still 0 ''.

6. On XXXX as the notary lady sitting here in my livingroom, I couldn't believe that she was telling me that I didn't have to pay anything when I was ready to hand her the certified check. I was furious. I immediately called the company and all they did was to transfer me from one person to another. Eventually, I just called off the whole thing. 

I strongly think that this company is using unethical tactics to try to roll the closing costs into the mortgage despite I've corrected them 10 times. It doesn't matter who I talked to, I couldn't get them to correct it. It looks that this is the only option with this company. This is ridiculous!! They certainly need to be investigated. I will be mortgage shopping again.
Product: Money transfer, virtual currency, or money service

Zelle Money Bank Transfer Reject XXXX XXXX XXXX and Phone Number XXXX XXXX XXXX Zelle reject Transfer XXXX Dad transfer money to XXXX bank account XXXX People and XXXX XXXX Refuges that banks can not verify Everyone that Files a lawsuit against the Government and Companies will 100 % never work again and be banned from everything XXXX XXXX XXXX XXXX XXXX XXXX XXXX Early Warning Services , LLC owner Zelle and world XXXX XXXX XXXX XXXX XXXX stole {$100000.00} Dollars from XXXX then 50 Bank lawyers wrote its imposable to Comprehend XXXX has a XXXX Credit Score and 15 Years no bank can Verify XXXX and all Banks respond its 100 % not there fault
Product: Student loan

Please review to make sure that application for payment plan change or whatever the proper term is correct. I am not sure if I was eligible to have the plan changed. I reviewed the application documents or whatever again at a later date. 

Also, I think I didn't receive statement ( s ) for whatever reason. I have been at XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX since like XX/XX/18. 

I can't attach anything because I don't have a laptop, desktop, XXXX, etc.