23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

Loan Type : XXXX XXXX XXXX XXXX XXXX : ED Financial Services XXXX : XXXX, TN Grievance : Failure to provide accurate payment history and loan transactions During my loan period, EDFinancial Services switched to operating online platforms. At this time, the company requested that loan borrowers allow for 60 transitional days for account information to be processed and sorted within the updated accounts. The provider confirmed that my account was transferred on XX/XX/2023. 

On XX/XX/2023, I requested a full transactional statement reflective of my loan account. This was after the 60-day waiting period. The company responded on XX/XX/2023, for clarification on the request and indicated that requests are taking 30-60 business days to process. 

On XX/XX/2023, I clarified the request, and the company only offered my current account balance at the time. Indicating again that the average processing time is 33 business days but could take longer due to high demand. 

I have followed up with the company again for the loan transactions statement on : XX/XX/2023 XX/XX/2023 I have yet to receive an updated transaction account, and I believe that my interest payments are being incorrectly managed. I do not feel secure paying for services without accurate transactional statements. 

I have recorded and filed all payments on my behalf, but I am unsure how to proceed.
Product: Mortgage

Mailed in mortgage payment, XX/XX/XXXX to Nationwide Advantage Company and mortgage company received payment on time. Tracking number shows the monies were delivered on time in their office they contacted me on XX/XX/2016, that payment was not posted. I provided them with the tracking number for the payment. I was told to call back in two days to see if the payment has posted. I comply with the request called back they still had not located payment. I then offered to stop payment on the check according to XXXX the representative I was speaking with I should not do that because when they do find it they will put it through and this will cost me more. I faxed and mailed a letter out to the corporate office stating the problem and that they needed to fix it. Locate my payment and stop will negative reporting she then informed me that I needed to make another payment over the phone to bring my account current. I refuse to do so and again informed XXXX. XXXX that they needed to find my payment. The resolution for this problem : Nationwide to go back an remove all they negative reports of my being late because I was not, and to remove the late fees they billed me for because I was not late. And list my account as current.
Product: Credit reporting or other personal consumer reports

XXXX Credit Report showed : Personify credit inquiry on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX. 

Equifax Credit Report showed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  However, I never made inquiries to those companies at those times. I have been notified that my personal information, including social security number was compromised by a data breach at XXXX XXXX XXXX. So, it is my belief that someone used my personal information to seek credit from these entities. I explained this to XXXX when I discovered them on my credit report recently. However, I was advised to contact the companies using the contact information listed on the credit reports. When I attempted to contact them, I was unable to speak with anyone who could assist with either investigating or removing the inquiries. I was then advised by XXXX to file this complaint with this agency.
Product: Credit reporting

On XXXX XXXX, 2016 Experian credit report is reflecting incorrect account information which is old and has already been paid off since XXXX XXXX, 2016. I have made contact but was told this was the most recent account information that was being received by the Creditor as of the date of the report. I have spoken to a representative at Experian to dispute the item. She advised me to upload the supporting information reflecting account paid. I attempted this function for 2 days and finaling mailed all copies to support my account being paid in full with tracking from the mailing service. This information is going on 4 MONTHS OLD AND DOES NOT ACCURATELY SUPPORT A TRUE CREDIT REPORT OR CREDIT SCORE. As of today, I have not received a response back from Experian but I do expect a response since notification has been received the supporting information I mailed has been picked up by a person from the XXXX XXXX .
Product: Credit reporting, credit repair services, or other personal consumer reports

THE INQUIRIES LISTED ARE FRAUDULENT SOMEONE USED MY SOCIAL SECURITY NUMBER AND PHOTO ID TO APPLY FOR FRAUDULENT ACCOUNTS I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against Equifax, XXXX and XXXX  CRA & # 39 ; s. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and XXXX XXXX XXXX for other possible violations of the law.
Product: Credit reporting or other personal consumer reports

Subject : Reinsertion of Deleted Account Without Notification ( FCRA Violation ) I am filing this complaint due to the reinsertion of a previously deleted account on my credit report without proper notification or verification. This action violates the Fair Credit Reporting Act ( FCRA ), specifically : Section 611 ( a ) ( 5 ) ( B ) : Requires credit bureaus to notify consumers within five business days when a deleted account is reinserted, including verification details.

Section 609 ( e ) : Ensures accuracy and proper verification of reported information. 


The account in question is tied to XXXX XXXX XXXX and was reinserted after being removed. I was not notified, nor was proof of verification provided. This reinsertion has negatively impacted my credit score and caused financial distress. 

This issue aligns with systemic problems highlighted in lawsuits such as : XXXXXXXX XXXX XXXX XXXX XXXX XXXX : Addressed consumer notification failures. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Highlighted reinsertion issues without proper verification.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a chapter XXXX bankruptcy in 2012 I was not advised that this would not be able to be discharged after completion, I got a new job and decided I could pay the bills that were on this bk so I had it dismissed I sent the information to the credit bureaus XXXX and exprian refused to remove it, I feel that this should be removed as I was not informed of the discharge status and I dismissed it and paid the creditors.
Product: Credit reporting or other personal consumer reports

I called finance company about getting the account out of charge off status and asked about making payments on the account. I made a payment in XXXX and XXXX. Today, I received an alert from XXXX saying that the balance of the account has increased and my credit score has also decreased. Im not sure why my balance would increase if I am making payments. The balance hasnt changed in the past when I wasnt making payments so why would it be increasing now.
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed on Experiansubmitted payment information ( paid settlement ) {$390.00}. 
Paid XX/XX/2023 account number XXXX with collection agencyXXXX The disputed finding remain on my credit report and Experian will not removed After submitting proof of paymentinaccurate information remains on credit reports
Product: Money transfer, virtual currency, or money service

On XX/XX/year>, I went to XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, VA XXXX to send money through XXXX XXXX XXXX XXXX. The attendant instead of XXXX  XXXX XXXX XXXX used Check free pay to send the money into my XXXX XXXX  XXXX account. After few days of realizing that the payment did not reflect on my Mortgage loan account with XXXX I started calling. I called XXXX XXXX  and I was told the money sent on XX/XX/year> was blocked on XX/XX/year> from being deposited to my mortgage loan account, because XXXX will never receive money from Check free Pay. This has been the situation and many of XXXX customer had fall into this situation which should have caused Check Free Pay to remove XXXX from the list of organizations they transact with. 
XXXX XXXX  did not accept the payment, so I reached out to Check Free Pay for the refund of the money but to my surprise, Check free said the money is not with them. This is putting me in a very serious situation that may affect my credit if the money is not available on time to make the Mortgage payment. According from XXXX, this is not the first time they block transaction from Check free Pay, it has happened to thousands of their customer where Check free would not refund money on time to the customer in order to meet up with their mortgage payment. 
I want Check free to refund the money as soon as possible so that I can make the Mortgage payment. 
I can provide the Transfer #, Amount, and XXXX XXXX account upon request at will. 

Thank you
Product: Checking or savings account

I purchased a crocodile statue from XXXX on XX/XX/year> for {$1300.00}. It was delivered on XX/XX/year>. That day I called XXXX to inform them it was damaged. Within a week the XXXX party contacted me asking for pictures so they could file an insurance claim. They then started trying to push me into only accepting a {$300.00} credit and keeping the damaged product. I refused. Finally I contacted XXXX they said I could return it to the store but to throw away the pallet it came on. On XX/XX/year> I returned the item to the XXXX XXXX XXXX XXXX Mt XXXX store XXXX location. They told me I would receive my refund in XXXX days. Never came. Since then I have contacted XXXX, the XXXX XXXX and my bank Truist by filing a dispute yet I get nothing but a run around from each party.
Product: Debt collection

I've tried several times to have Discover prove that this debt is mine which is required by the FCRA. Discover has yet to provide proof.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I pulled my credit report and noticed I had an active car loan on my report. My personal information was leaked in a data breach and my credit was affected tremendously from this. I initially contacted Capital One to inquire about this loan and was given proper directions on how to rectify the problem. I have since then been trying to dispute inaccurate information thru the credit bureau ( s ) I contacted Capital One XX/XX/year> I was told that the car had been repossessed, and a balance was owed on an account that I never opened up. I have disputed this account several times from all XXXX companies and have only been notified that the account information was updated and never removed. I sent in all of the information to validate my identity as well as the information to prove this account does not belong to me. This account is hindering me from purchasing a home for me and my family and I need this matter attended to. Capital One is giving me the run around and not being as attentive as I need them to be. This data breach has affected my life and my credit hindering me from being able to obtain any credit
Product: Mortgage

On XX/XX/XXXX Freedom Mortgage 's Marketing team contacted me from XXXX XXXX XXXX XXXX # XXXX I never gave them permission to contact me. In fact in XXXX I served Freedom Mortgage with a cease and desist order baring them from contacting me by phone. 
I explained this to the agent and they got angry. Them repeatedly called me multiple time over the next hour. I got rude with them and cussed them out. 
In response, they took my private information and submitted a loan inquiry to XXXX XXXX which generated several contacts from other companies. 
It appears that Freedom Mortgage is misusing my private information as a XXXX XXXX Application requires a SSN
Product: Credit reporting, credit repair services, or other personal consumer reports

I am distressed and constantly have anxiety attacks after numerous of times disputing both by mail and on the phone for the last 6 months and they kept the inaccurute information on my report that they have included the information below in my credit profile and that you have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in my credit reports they published. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), they are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for their reporting services could fax, mail or email in a fraudulent account. 

I dont recognize this public record on my credit profile so I contacted the courts and they stated that the information I gave them didnt match that I ever filed bankruptcy in their courts ; please provide proof from the court of this public record. I never file bankruptcy ever in my life this public record on my report is inaccurate and I demand that it gets deleted immediately for violation of my right to privacy FCRA 15 U.S. Code 1681b ( 2 ) and you didnt have permissible purpose to furnish this information on my consumer report ; and violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy
Product: Credit reporting or other personal consumer reports

XXXX XXXX has shared my information with a third party companies without my permission.
Product: Mortgage

Since XXXX of XXXX I have been requesting my state property taxes be put on my escrow account to minimize the financial burden every other month. Then in XX/XX/XXXX I sent them all the requested documentation they themselves asked for to satisfy my request both physically and electronically, they have ignored and seemingly gone out of their way to avoid completing the task. I have close to a dozen requests to do such on their website via their messaging center. I get nothing but a blanket legal response saying they will evaluate my request then receive no info from there on out. My most recent phone call ( XXXX time calling ) I spoke to XXXX separate agents over a XXXX hour XXXX min phone call to where I was told on a recorded line that as of XX/XX/XXXX they would have the taxes submitted and added to my account. I spoke with XXXX # XXXX, XXXX # XXXX, XXXX # XXXX and supervisor XXXX # XXXX and all told me my claim would be looked at and added to my mortgage payment. Nothing was done, haven't even received and email. I am XXXX XXXX  and Freedom Mortgage have in my opinion created a harder financial situation than I need to be in. I know have to work part time to full time with my XXXX to cover their complete lack of care or assistance.
Product: Credit reporting or other personal consumer reports

Dear Sir/Madam, I am writing to dispute the following inaccurate and fraudulent accounts that have been reported on my credit file. I am not requesting a reinvestigation at this time, but rather a deletion of these accounts from my credit report. Failure to do so will result in my exercising my right to seek legal action and defend my rights in court, as provided under the Fair Credit Reporting Act ( FCRA ) and other relevant laws. Below are the accounts in question : 1. XXXX XXXX XXXX, Account # : XXXX, Balance : {$830.00} I have contacted the collection agency and filed a complaint with the CFPB, yet the agency has failed to respond. I question how your agency was able to verify this account. This account is fraudulent and must be removed immediately. 
2. XXXX XXXX XXXX, Account # : XXXX, Amount : {$960.00} This is a medical account, and I have no knowledge of this debt. Reporting this account violates both the FDCPA and HIPAA regulations. Remove this immediately, as I will not file a third dispute. 
3. XXXX, Account # : XXXX, Balance : {$20000.00} I have filed a complaint with the CFPB, and a lawsuit has been filed against the company. You claim to have verified this debt, but I have never received any documentation or proof. Remove this account from my credit report immediately. 
4. XXXX, Account # : XXXX, Balance : $ XXXX This account violates 15 U.S.C. 1681i ( 7 ) ( Method of Verification ) as it was reported without valid documentation. I demand that this account be deleted immediately from my credit report. 
5. XXXX, Account # : XXXX, Balance : {$1400.00} I have never owned a credit card with XXXX XXXX. If you can not provide proper documentation verifying the legitimacy of this account, it must be deleted immediately. 
Please ensure that these accounts are removed from my credit report and provide me with written confirmation once the deletions are complete. Failure to do so will result in further legal action. I trust that you will handle this matter with the seriousness it deserves to ensure compliance with the law.
Product: Mortgage

This is our 2nd complaint on this file with CFPB. The initial complaint was not resolved, however it was closed out by CitiMortgage. Our current complaint is that CitiMortgage countered the buyer on our short sale on XX/XX/XXXX. Our buyer agreed to the counter offer on XX/XX/XXXX and we submitted the necessary documentation to CitiMortgage at that time. I then had to send numerous follow-ups to get a confirmation of receipt. After my 3rd request placed on XX/XX/XXXX our negotiator confirmed receipt and indicated she would work our file that day. On XX/XX/XXXX the negotiator indicated she was waiting on an internal document that pertained to the value to proceed and that it should be back " in about a week ''. On XX/XX/XXXX I was contacted by XXXX XXXX advising me she is the new contact on my file. On XX/XX/XXXXI hadn't received an update and asked for a status. I inquired how CitiMortgage could counter the buyer 's offer if they were waiting on an internal document that pertained to the value. My e-mail was rejected and it was then that I learned the file had been assigned to a new negotiator XXXX. I messaged him inquiring the same and although he responded it still doesn't make sense that a form pertaining to the value that is important enough to delay our file isn't on hand - yet they can counter the buyer 's offer. He indicated that the form that the previous negotiator ordered doesn't apply to our area of the country so he would order something else. I sent a follow-up on XX/XX/XXXX and was advised that there is no timeframe in which the document he has since requested will be provided. As of today our file still hasn't been approved - we are nearing 30 days from when the buyer accepted the counter offer.
Product: Debt collection

Fair Collections & Outsourcing has placed a negative on mine & my wifes credit file in error and are still unwilling to resolve this after repeated letters sent and speaking to managers there. I sent FCO a debt validation letter on XX/XX/XXXX in order to make sure they follow the Fair Credit Reporting Act & Fair Debt Collection Practices Act but they never responded to the debt validation & we NEVER received any notification from FCO in regards to this account referenced in collections and on our credit bureaus. We made a FULL-PAYMENT of {$630.00} to XXXX XXXX XXXX XXXX directly. I spoke with XXXX XXXX from FCO on XX/XX/XXXX and she told me to email proof in order to get the collection account removed from mine & my wife 's credit file and she assured me that it would be done but to this day it has still not been removed. FCO is still continuing to report this inaccurate negative account on both of our credit files. FULL-PAYMENT payment was made directly to XXXX XXXX XXXX and not settled as it shows on our credit reports. I mailed 4 separate letters to FCO in order to get this resolved but they would not cooperate. 

Attached is our final account statement from when we moved out on XX/XX/XXXX directly from XXXX XXXX and also debt validation letter sent to FCO on XX/XX/XXXX which they never responded to.
Product: Debt collection

A collection was filed on behalf of XXXX XXXX XXXXXXXX XXXX around XX/XX/XXXX. This was for maintenance fees for a times share, not a loan, We had attempted to return it to XXXX as we could no longer afford it and they refused. They reassigned this to another company in XX/XX/XXXX, Monterey Financial. They filed a collection in XX/XX/XXXX severely dropping my credit score. Company info is : XXXX XXXX XXXX XXXX  XXXX XXXX, CA XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX My understanding is that the same collection should not be filled twice by different companies.
Product: Money transfer, virtual currency, or money service

To Whom It May Concern, Over the phone I was told that I would a receive a re-fund for paying membership fees that I DID NOT HAVE PAY for overpayment of {$60.00}! 
The XXXX XXXX XXXX XXXX was paid off on XX/XX/XXXX on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX, XXXX XXXX, XX/XX/XXXX. 
Also Note something is odd Under The XXXX XXXX XXXX XXXX has more than XXXX payment showing PER MONTH which is fraudulent I need a refund promptly as told exactly XXXX week ago. I COUNTED XXXX PAYMENTS AND I KNOW A HACKER INTERCEPTED Im owed min of {$70.00} Need Federal Trade Commission to address moneylionXXXX. Promptly my emails are being re-routed To XXXX XXXX XXXX supposedly worked For XXXX XXXX and XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX
Product: Debt collection

I didn't not sign a contracting agreeing for my creditors to sale my debit to a third party. I never did business with company saying I ow them money. They don't have the legal right to collect on debit. They never gave me a service. I need Williams associates to show me proof I ow them money. Needs to be removed off my credit score immediately. Never received a debit validation letter. It's hurting my credit score defamation of character. Stopping me from getting a house charging me higher interest rate this is extortion fraud I don't ow them money have no legal right to collect on debit don't ow them fair collection report act no illegal proof.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed a copy of my credit report and I noticed unauthorized credit inquiries which violates the FCRA of the information in my credit report being 100 % accurate and verifiable. I never authorized such actions, and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact and investigate each inquiry of such occurrence that I did not give permission for and from my understanding of the FCRA a company must have permissible purpose to pull my credit report. Please send the names, business address and phone numbers of those who made unauthorized credit inquiries that you spoke directly to during your investigation. Please include the name of the person who pulled my file, the date I gave permission, and the method that I gave permission ( all documents of this said permission ). Upon completion, send me a complete full updated printed copy of my entire credit report. As I understand it, there should be no charge for this.