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

My student loans are serviced by Navient. In XXXX, I spoke to a Navient representative over the phone and gave him my bank account number and routing number to make a payment for two months. In XXXX, I was contacted by XXXX XXXX XXXX and informed that my account was more than 100 days delinquent. I was then transferred to a Navient supervisor who set up auto pay for me and opined that perhaps the Navient representative who took my information down did so incorrectly, and that my bank rejected the payment. This supervisor updated my records and brought my account current. I assumed all was well until I received a credit alert that Navient had reported eight accounts 90 days delinquent, crushing my credit score. 
Navient tells me that it sent me two letters informing me that my bank had rejected the payment and that I was behind in my payments. I received no such letters. There were subsequent phone calls from Navient that I did not receive, but it is not uncommon for their representatives ( or their automatic dialing service ) to call me even after a payment has been made. I had no reason to believe I was delinquent, as I made a good-faith effort to pay my loans in XXXX. 
Navient informed me that it will not remove the delinquent reports from my credit report because it has investigated and has found that the error causing the confusion with my bank was mine. I have asked for evidence, but Navient will not provide it. All Navient needs to do to make this right is remove the negative information from my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX - XXXX XXXX is reporting a collection # XXXX that I do not owe. I have already paid this collection off and they violated my 30 day right when they initially sent the collection. It is on my credit and should not be and I would like it removed, I do not know if it is on there as XXXX XXXX or XXXX XXXX.
Product: Mortgage

My escrow account has a surplus of over XXXX dollars and I have been unable to initiate a new mortgage escrow account analysis from Pentagon Federal Credit Union. Repeated calls to PenFed and requesting escalation of my request result in no action taken. Appreciate your assistance in helping me resolve this matter. 

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

I ). I have previously asked all three ( 3 ) credit bureaus : Experian, XXXX and XXXX to disclose how they have verified the bankruptcy information that is being reported on my credit report. I have asked that the following information be provided with the proof of verification : Method of Verification If the listing gets verified and remains you have the right to request the credit reporting agencies method of verification. Request the credit reporting agencies send you the following : ( a ) The name of the courthouse ; ( b ) the persons name they verified the dispute with ; ( c ) the address ; ( d ) the telephone number ; and ( e ) the documentation used to verify the dispute. II ) To date I have yet to receive the requested information. I have been told that pursuant to the Bureau 's investigation, that the reported information is correct. III ) FCRA, Section 611, paragraph ( 6 ) ( B ) ( iii ) regarding procedures and results of re-investigation states in pertinent part, " if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available IV ) Credit reporting agencies are required to conduct investigations of disputed items with the furnisher of information. V ) Pursuant to FCRA, Section 611, the Bankruptcy Court is the furnisher of information, and not a third party source such as PACER or LEXIS NEXIS. VI ) None of the Bureau 's have provided evidence that they have conducted a direct investigation with the Bankruptcy Court.
VII ) Furthermore, in XXXX XXXX, I III ) In XXXX XXXX, I confirmed with Bankruptcy Court listed below that it does not directly report to the credit bureaus. This would explain the inability of any of the Consumer Reporting Bureaus in providing the requested information. U.S. Bankruptcy Court XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX VIII ) For the reasons provided above, the credit reporting agencies are in violation of FCRA, Section 611. In conclusion, the reported Bankruptcy information should be deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB Complaint to dispute the fraudulent items on my credit file. I demand immediate removal of these items from my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 605b, it is the responsibility of the credit bureaus to ensure the accuracy of the information they report. These fraudulent items are clearly inaccurate and are negatively impacting my creditworthiness. I have already reported this fraudulent activity to the authorities and have provided all necessary documentation to prove that these items are fraudulent. I have also requested that the creditors responsible for these fraudulent accounts investigate the matter and remove them from my credit file. Despite these efforts, these fraudulent items still appear on my credit report, causing me significant harm and financial hardship. This is unacceptable and a clear violation of my rights under the FCRA. I am in need of your immediate attention regarding the following items : XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX. I demand that you remove these fraudulent items from my credit report immediately, and provide me with a written confirmation of the removal. Failure to comply with this request will result in legal action against you, as I will not tolerate any further damage to my creditworthiness.
Product: Credit card

I have an XXXX XXXX issued by the XXXX XXXX XXXX. For some reason payments are not processed within 24 hours anymore. It now takes around seven days before the payment is processed and you can only make three payments within a billing cycle. 

I feel that this is a trick to increase my debt and increase profits for the company at the consumer 's expense.
Product: Debt collection

Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 I requested for MIDLAND FUNDING LLC to verify acording to the FCRA section 609 ( a ) ( 1 ) ( A ) - through the physical verification of an original signed consumer contract and have been responded with verified as accurate without the requested documentation, continuing to be in violation according to section 611-non compliance and continuing to damage my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The Experian credit bureau must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$22000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$24000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$12000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1200.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$11000.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$1300.00}
Product: Checking or savings account

My checking account and or other information was accired by someone else who charged my card for nearly {$2500.00}. Chase fraud department had called me and talked with me and were sending me emails through chase banking, and was able to send notifications through the chase app, but it was not chase fraud department. I have not lost any of my personal information ever, and the purchases were in XXXX IL, a city I have never been too in my life. Chase bank has not helped me at all in the time I had a claim with them but they haven't told me anything prior or after they finalized my claim saying I authorized multiple purchases. Also upon seeing the charges taken from my account I have first called back the actual chase fraud department in which their claim started the funds were only taken out of my account an hour or 2 before the call, I was at a jobsite in XXXX XXXX IL. I need to make sure that chase bank hasn't leaked my information or if someone within chase staff did this themselves. I will also send files and documentation when I'm certain no one else will try to steal my identity.
Product: Credit reporting or other personal consumer reports

I am writing to dispute the accuracy of a bankruptcy entry on my credit report. The details of this listing are questionable, and I believe further investigation is necessary to verify its accuracy. 

Disputed Item : Bankruptcy Case Number : [ Case Number, if available ] Filing Date : [ Filing Date ] Issue : I have concerns about the accuracy of this bankruptcy entry and request that you verify its legitimacy. 
Please investigate this matter thoroughly and provide me with the results of your investigation. If the bankruptcy is found to be inaccurate or unverifiable, I request its removal from my credit report in accordance with 15 U.S.C. 1681e ( b ).
Product: Money transfer, virtual currency, or money service

I lost {$50000.00} due to a crypto platform, a company called XXXX XXXX  I purchased {$50000.00} worth of bitcoin and sent it in increments of $ XXXX to $ XXXX between XXXX of 2023 to XXXX of 2023. Odd things stared happening and I later learned Im XXXX of 2023, it was a Ponzi scheme. Thanks
Product: Credit reporting or other personal consumer reports

These items are inaccurate for several reasons. Some accounts contain incorrect details that do not match my records, while others are entirely unfamiliar to me and should not be reported under my name. Additionally, some of these items lack proper verification, meaning they have been added to my report without substantial evidence of their legitimacy. Under the Fair Credit Reporting Act ( FCRA ), all reported information must be 100 % accurate and verifiable. 

To resolve this matter fairly, I request that all inaccurate items be permanently removed from my credit report. If the reporting companies can not provide legitimate proof confirming the accuracy of these items, they must be deleted immediately to restore the integrity of my credit profile. I expect swift corrective action to ensure my report reflects only truthful and verifiable information.
Product: Vehicle loan or lease

XXXX from XXXX XXXXXXXX XXXX in XXXX, MA referred me to Sensible Auto LLC for loan approval. Sensible Auto would approve loan under condition that I purchase extended warranty from XXXX XXXX. I believe this was a scam and that Sensible Auto works with warranty company XXXX XXXX XXXX XXXX XXXX XXXX XXXX This power train plus warranty was purchased with car seven months earlier at Dealer XXXX XXXX as a condition for Sensible Auto LLC to approve the loan for the car as stated by XXXX XXXX 
Engine of the recently purchased car ( XX/XX/XXXX ) seized on XX/XX/XXXX. 
While I needed transportation to get to work I requested deferment of loan several times while warranty company worked with repair company on repairs. 
Called XXXX XXXXXXXX XXXX  where car was purchased and referred to XXXX XXXX XXXX who works with Extended XXXX XXXX on XX/XX/XXXX it was towed -gave consent to have diagnostics done. 
I called several times after two weeks of waiting for update on diagnostics. XXXX reported waiting on information from XXXX. 
I then called XXXX to ask for update and representative XXXX reported they were waiting on needed information from XXXX XXXX XXXX. I then called XXXX with the knowledge of their need for action and was told that they were waiting for AUL which I became concerned as I just got off the phone with them stating XXXX XXXX XXXX is responsible for the waiting time. In need of transportation and communication for whether not not my car would be covered by warranty /when my car would be repaired and being told conflicting information, I informed XXXX I would need to take the car to another repair shop I called and told me they could have the diagnosis done in 2 days. It has now been 6 months and the vehicle is 124 days past due ( I believe incorrectly as payment was made on XX/XX/XXXX ) and now that the vehicle is under repossession the warranty finally approved claim. 4 days too late and an unreasonable amount of time.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies ran unauthorized credit inquiries on my credit report. These are suspicious to me and so kindly delete asap:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of my multiple attempts to notify 3 credit bureaus that I am a victim of identity theft and that I want to query certain records in my documents that resulted from the crime. The documents I'm looking at have nothing to do with any transactions involving goods, services, or money that I've made or approved. Assuming no one cares, remove any material in my credit report that was obtained through alleged fraud or extortion. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XXXX XXXX, 2023. My wife deposited a Tax return check ( we overpayed ) for {$29000.00} into an ATM at Chase Bank, in XXXX, XXXX. I authorized the check and my wife didn't realize she had to sign also. The credit was reversed appropriately and it began a XXXX week runaround including lies by bank representatives. 
I was told the check could not be returned however they would mail us a certificate that could be deposited into my checking account. It never arrived so I returned to the bank, XXXX later to complain. They contacted the ATM department and agreed to mail it overnight. A week went by and no certificate was delivered. I returned and complained again. Another week went by, no certificate. When I returned to the bank, a little upset, They committed to sending it overnight again. When it didn't arrive after XXXX  days, I complained and they said it wasn't sent overnight, that I should wait a week and let them know if we didn't receive it, we did not receive it. XXXX weeks ago, I asked to speak with the Bank, branch manager, he filed an escalation request to get a resolution. We have not heard back from the bank since then. They called us this morning to tell us they didn't have any information. 

I really need help getting these funds into our account. I was going to contact the IRS and ask for another check but it's going to take months and we need the funds for holidays, bills and food. 
It appears there's a breakdown between departments, we're willing to do whatever we need to, to get the funds. The bank has acted very inappropriately. I think they lost whatever they're supposed to send to us. I was able to confirm with XXXX ( Chase told me that's how they mailed to us ). XXXX doesn't have any record of a shipment being sent to me from Chase Bank. My nephew works for XXXX and has access to all data. They never sent the check so I don't know how it got lost. 

I was told that our situation is unique, that XXXX 's of checks are reversed in ATM 's every day. The check or certificate is returned to the customer within XXXX days. For some reason, they can't do this for us and it's been XXXX weeks. Seems very unethical. 
Perhaps you can help my wife and I?
Product: Vehicle loan or lease

My insurance cost has now gone up do to US Bank filing an insurance claim against my insurance on XX/XX/XXXX. The bank gave a fictitious date of damage as XX/XX/XXXX in XXXX, AZ to the insurance company. That never happened and since I own the vehicle and have the vehicle in my possession, this is a fraudulent claim. The insurance company said that lean holders have the right to do this and if the insured does not fight it, the insurance has to pay it. Again, this is a fraudulent claim.
Product: Credit reporting, credit repair services, or other personal consumer reports

I literally have Credit inquires and have no idea where they came from.
Product: Money transfer, virtual currency, or money service

There is a fraud account opened with TRUIST bank. The scam used the bank 's address for their account and used other company 's name to open the account and let us to wire $ XXXXUSD to their bank account on XXXX. I found the problem and called our XXXX XXXX  to recall the money back. This bank told our XXXX XXXX  that the wired money was on hold. But until today the TRUIST bank still not send the money back and five no response to our bank.
Product: Checking or savings account

I deposited a check of {$27000.00} from XXXX XXXX in late XXXX, into my Chase bank account. They verified the check in 2 days and then let me spend money out of the check multiple times. One day they randomly decided to lock my account and permanently close the accounts, both my savings and checking accounts. They gave me the checking account balance in cash at my local branch. The savings account was too high so they said I had to wait for a cashiers check in the mail after XXXX business days and that they would over night ship the check after the 10 days. Weeks go by and I didnt receive my funds. I then called chase bank and they said they suspended the funds because they are unable to verify where the check is from. I then asked for a Supervisor his name was XXXX, I provided him with the number of XXXX XXXX where he called and said he was able to complete the verification and then told me to call back Monday for an update on my funds being sent out to me. Monday came, today and they are saying they can not use the ( XXXX ) number to verify my check through XXXX XXXX and to get a different phone number from them, but the number they provided me with is their company direct line. Multiple supervisors keep telling me to ask XXXX for a different phone number but it is literally impossible when this is their company number. Another supervisor said he found a number to contact them but he can only call twice and if they dont answer we will no longer be able to move forward. Also saying they will hold the suspended funds of {$13000.00} for 2 years and then the funds will be returned to sender. This is every dollar I have to my name. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I will not be able to pay XXXX, take care of my baby, or get her to appointments without any money. It is literally impossible to live with {$0.00}. This is not the first time chase has tried to hold money from me. I urgently need help. Please.
Product: Credit reporting or other personal consumer reports

i called TransUnion about unknown inquires on my report that i did not authorize ; XXXXXXXX XXXX XXXX  XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account namXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) 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.
Product: Credit reporting or other personal consumer reports

I recently reviewed a copy of my credit report and was shocked to discover identity theft. I found a few accounts on my credit report that were not opened by me. This has been troubling me greatly, especially as I am in the process of purchasing a home for my family. I kindly request the immediate removal of these fraudulent accounts from my credit report.
Product: Debt collection

Sw Credit Systems Inc is currently trying to collect a debt that I do not owe for XXXX XXXX. I do not have a current or previous contract with neither Sw Credit Systems, or XXXX XXXX. There is no information on this account. There is no verification of this debt.
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX trafficking of Debt bondage and would like for all listed accounts to be BLOCK AND DELETED COMPANY INFORMATION TRANSUNION XXXXXXXX XXXX account and the inquiry from XXXX XXXX and XXXXXXXX XXXX
Product: Mortgage

The complaint is about how DITECH Mortgage Servicing has mishandled the Homeowner 's Escrow account with regard to Homeowner 's Insurance. 
The homeowner 's insurance provider XXXX XXXX informed homeowners that they were exiting all personal coverage lines ( homeowners, auto, life, etc. ). The homeowners CANCELLED coverage with XXXX XXXX and ESTABLISHED coverage with XXXX XXXX. DITECH continued to pay premiums from escrow to XXXX XXXX. DITECH also began paying premiums from escrow to XXXX XXXX. Homeowners were UNAWARE that XXXX XXXX had failed to actually CANCEL the coverage as requested by Homeowners. Homeowners were furthermore UNAWARE that DITECH was DOUBLE-PAYING. Why would they be aware? DITECH is entrusted with escrow so as to service and monitor such things. If Homeowners had been handling their own premium payment this mistake would not have happened. DITECH made the mistake, not the Homeowner. 
NOW that the Homeowners have been made aware of the situation by DITECH, the Homeowners have rectified it in a timely and efficient manner. HOWEVER, DITECH is going to assess the Homeowner a LATE FEE?? AND it will reflected on the HOMEOWNERS ' CREDIT REPORT?? This is patently unfair and is just the kind of activity the CFPC, FTC, and the GA XXXX will want to hear about. It is in the same league as the recent XXXX XXXX case that is in the news this week. If DITECH is this careless with this Homeowner 's account, it probably is with others. DITECH, not the XXXX, made the escrow mistake. DITECH has been asked to CANCEL and REVOKE any and all late fees associated with DITECH 'S mistake - but they refuse. 
All the Homeowners want is for none of this to appear as a negative ding on any credit report and for the late fees to be revoked.