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

I received a letter from XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX stating that I woed a Federal Perkins Loan. 

I have no mempry of suchha loan, so I called to dispuste. They advised that this loan was taken out in XXXX and defaulted in XXXX. I XXXX from XXXX XXXX University in XXXX and my memory is that my student loans have been paid. 

I checked my credit this morning and they are reporting the this loan. My understanding is that Federal student loans which have been reported to be in default for seven years or more must be deleted from a consumer 's credit record. Under the Department of Education 's Fresh Start Program specifically, the Department deleted reporting about loans that were delinquent for more than seven years. 

If by XXXX records the last axctivity was in XXXX, then this is 30 years old and should not be reprted on my credit. I called XXXX today and they advised that they will not stop reporting and will do nothing about it. 

Please help me get it removed from my creidt. I have filed a disput with experion. Pleas let me know whatever further information you need.
Product: Debt collection

I kept getting phone calls almost every single day and I even told them to stop calling. They have still tried to call me even after I told them to stop calling me and leaving voicemails.
Product: Credit reporting, credit repair services, or other personal consumer reports

ZIONS DEBT HOLDINGS LLC has reported erroneous account on my credit report without any prior notice of debt. I have never done business with ZIONS DEBT HOLDINGS LLC or XXXX.
Product: Credit card

I had an account with Citibank and due to the ending of a XXXX year marriage ( divorce ) that financial devastated me, and I defaulted, I lost my house ( I lost everything ). 
I am trying very hared to correct/improve my credit ( at age XXXX I do not have many earning years left ). 
The issue is that Citibank sold my account to a third party and my credit report shows a opening date of XX/XX/2016 not the actual date and is adversely affecting my ability to acquire credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked XXXX  and experian to verify this account because there is inaccuracies. Also, this account does not belong to me and XXXX and Experian responded verified but did not send proper documentation showing me how they verified the account and the documents they have that verified the account. In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account with a balance of {$1400.00} has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right and 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 constructions.
Product: Checking or savings account

i am writing to file a complaint against navy federal credit union regarding multiple overdraft fees i have incurred. despite having sufficient funds when transactions where authorize, i was charges overdraft fees due to lagging 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 and transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Re : Request to describe method of verification To : Whom It May concern : I am writing to dispute a fraudulent charge on my account of {$4000.00}, {$7600.00}, {$9000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Landing Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to  request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed.

I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$4000.00} -This is not my account. 

2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$7600.00} -This is not my account. 






-COLLECTIONS- 3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$9000.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was on XXXX and I was requesting to get my report from Transunion it kept saying we are experiencing technical difficulties and kept trying to request by mail. After trying to access my file multiple times it said they can not process my request based on the information I provided.
Product: Credit card or prepaid card

To reiterate my chief points/complaints to the CFBP regarding the subject bank : 1 ) The company sent a letter, amid the COVID crisis, to my PO Box at an address that was subject to a severe lockdown order, and, the letter arrived several weeks late, well after their original reply-by request date. 
2 ) Upon receiving this significantly delayed letter, I replied immediately and appropriately. 
3 ) The company has declined to offer any forbearance for the extremely challenging environment we find ourselves in, nor does it acknowledge the simple fact that likely its own processes were delayed and contributed to my inability to receive its original correspondence and respond promptly.

4 ) The company, by failing to mail this critical correspondence in any traceable form ( no doubt to save expense ), has lost all ability to assert strict timing deadlines, as it can not prove when it was mailed, nor when it arrived to me. Let alone that this mailing occurred during a time of national crisis and substantial delays to mobility, access, and processes. 

Please see attached longer form explanation of the situation.
Product: Credit reporting or other personal consumer reports

The List of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name : XXXX XXXX has violated my rights. 

I looked at my Experian credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act 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 according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681s-2 they are suppose to 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: Debt collection

My wife had been paying on a debt from GE money. Even though she was paying, they closed her account. She then became XXXX and could not pay. Right after a XXXX injury, they sued her and forced her to go into court with her attorney even though the doctors all documented XXXX. She was coerced into making an agreement for {$25.00} a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay GE. She tried to contact them through mail for settling the debt and got no response. 

This year, GE money, and XXXX XXXX served my XXXX wife with another summons through our XXXX court.When she got the summons, it was dated months before. It also said she had only 10 days to answer. This document was months old before she received it. See documents and dates enclosed. 

She had been unemployed through documented XXXX, on XXXX assistance and medicaid because she is still and permanently XXXX documented XXXX.She is nearly XXXXdocumented. Belongs to the school XXXX. Documented. 

A few weeks ago, we contacted the court and XXXX XXXX to see how to work this out and start paying again, The court said XXXX XXXX had to drop it or take payments. We then called XXXX XXXX who said they no longer had the debt, but yet they still had the summons that the court said only XXXX XXXX could drop. 

When asked about this recently after XXXX complaints GE says they are no longer GE and are synchony bank who states that XXXX XXXX even have the debt. They are not only trying to get this money from us but so is XXXX XXXX XXXX. XXXX COMPANIES ARE LISTED ON SUMMONS from XXXX district court. 

My wife sent GE {$25.00} and the summons is still in place. I am XXXX from the same accident and also military related XXXX. Recently, I had to file taxes.Enclosed, you will see that I got a letter back from my state saying that due to this summons, I will have to give it to GE. It is enclosed.
Product: Credit reporting or other personal consumer reports

My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, XXXX has not updated my credit report since XXXX XXXXXX/XX/year>. Despite providing evidence and submitting disputes with the credit agencies, XXXX reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting XXXX about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my credit file, incorrect information was found in my reports. The TransUnion/XXXX Credit Bureau has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the accounts that are reporting on my Credit Reports : Accounts ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$490.00} ; XXXX XXXX BANK XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$98.00} ; XXXX XXXX XXXX Opened XXXX. XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$290000.00} ; XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$770.00}.
Product: Credit card or prepaid card

I have 6 Promotional balances ( 0 % ) with Wells Fargo. The balances are due at varying times starting XX/XX/2020. 
I am paying large payments to pay off each separate balance before it is due, but they are spreading out the payment a little to each balance. 
I called them and spoke to 3 people. They said the payment first covers the minimum due and then is applied equally to all balances, not the one that is due earliest. One rep told me that they apply the payment to the balance with the most risk, which would be the one due the soonest, right? 
The only thing stated in the offer close to regarding this is this : Your minimum payments will be applied first to lower APR balances before higher ones. ( mine are all 0 % ) Payments in excess of the minimum payment will generally be applied to balances with higher APR 's first. 
This must be illegal, to not pay off my balance that is due the soonest.
Product: Mortgage

Mr Cooper AKA Nationstar is doing some kind of fraud regarding my transfer from XXXX XXXX back in XX/XX/XXXX since then I have had nothing but problems with Mr Cooper.  Mr Cooper is trying to collect {$600.00} in additional taxes claiming I have a shortage on my impound account. So I did some digging to see what was going on with my account. What I found is that they keep saying I owe them money for taxes and insurance which I called my county assessor to see if my taxes went up and nope they did not and I also called my insurance company and got a print out of my policy and nothing changed with them at all. The total amount between taxes and insurance is roughly {$2500.00} which is already incorporated into my current payment now Mr cooper says I now owe {$3100.00} to {$3200.00} yearly and when questioned about the amount  they tried to confuse me which I had my accountant listening to the conversation and he noticed that they were trying to make things up as they went and when questions about the amount nothing added up properly. I also found out that Nationstar had been sued 3 time in 6 months for not divulging critical information and collecting funds it shouldnt be. I have a link to a website that you can look into yourself and you can be the judge of whats going on but it seems Nationstar AKA Mr Cooper is back with the fraud ring they just got sued for but I suspect Im the newest victim to their game they play. To me they are being fraudulent and embezzling money. Please check the link below and youll get more information about my complaint. 



https : XXXX
Product: Credit card or prepaid card

My Macy 's in store credit card was switched in XXXX to a use anywhere Macy 's XXXX XXXX card without my permission. My payment is set-up on auto-pay for the XXXX of each month. When Macy 's made the switch to XXXX XXXX, the payment date was changed to the XXXX of each month. I was also on paperless bill and must have missed the announcement. Macy 's charged me a {$27.00} late fee ( refunded ), but many others may miss this unfair charge and pay it! Resulting in thousands of dollars of profit for Macy 's and/or XXXX XXXX!
Product: Debt collection

Had several calls from this number from Harris & Harris, LTD XXXX XXXX   ( XXXX  ) XXXX - Im in Florida- for the last couple of months and always let it go to voicemail and read the transcript, is a debt collection agency that I have no business with. They call, at odd times also, robocall, finally I decided to call back and complained about the harassment and stated I have no debts being collected, she took my name and number and said it didnt match who they were looking for. A week later the calls started again, called back and complained and said I was going to report them if they continued the calls. It may have been one to two weeks and Im getting the calls again. Last call XXXX on XX/XX/XXXX. I can check my log for the other calls if needed.
Product: Credit card or prepaid card

I WAS CONTACTED BY THIS COMPANY CREATIVE VACATION SOLUTIONS TO PERFORM A SERVICE FOR ME I PAID THEM ON XX/XX/2010 XXXX AND NEVER HEARD FROM THEM AGAIN AND THEY DID NOTHING FOR ME. I CALLED CHASE VISA AND REPORTED THAT THIS COMPANY WAS A FRAUD AND THE CREDIT CARD COMPANY DID NOTHING. THEY SHOULD BACK ME AS THERE CLIENT AND THEY DID NOT. I WANT MY MONEY BACK IT SHOULD NOT MATTER WHEN THE TRANSACTION WAS DONE THEY SHOULD CREDIT MY ACCOUNT AT ANY TIME. PLEASE HELP ME GET MY MONEY BACK.
Product: Mortgage

I applied for a loan modification a few months ago a few different times. I did not know applying more than once would affect the outcome. When my initial hardship happened in XXXX, I had contracted XXXX. I was working before I got XXXX  and then the company closed down due to XXXX so I lost that job. Fast forward to XXXX of this year, XXXX, I have a brand new job with greater pay so this change of circumstance has allowed me to now show affordability to keeping up with my payments. Please bear in mind, that when I lost my job and got further behind on payments, PHH did not allow me to make any payments which caused me to fall further behind than I needed to. Now that I am working a full time job regularly I am able to make payments. I only received 1 modification which took place early in XXXX and it has been more than a year since my last modification. It was a different hardship then as compared to when XXXX affected my job last year. My hardship was short-term as it is no longer affecting my ability to make my mortgage payments.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous request to delete fraudulent items from my credit report. As per our earlier correspondence, I provided detailed information and evidence regarding the fraudulent nature of these items. 

It has come to my attention that the fraudulent items have not yet been removed from my credit report, despite my initial request. I understand the importance of accurate reporting and the detrimental effects that fraudulent entries can have on my financial standing. 

I kindly request an update on the progress of my request and urge you to expedite the process of removing these fraudulent items from my credit report. It is crucial that my credit report accurately reflects my financial history to avoid any further complications or misunderstandings. With this, I am asking for your assistance to remove these fraud items in my credit file : XXXX XXXX Balance Owed : {$2400.00} ; XXXX XXXX  XXXX Balance Owed : {$30000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/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 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 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: Debt collection

I currently have four debts showing in my Equifax Credit Report. All which have been addressed. I have called the creditors on them and the creditors have advised the following : XXXX XXXX XXXX ( XXXX ) - Balance {$210.00} XXXX has advised that the account does not belong to me. That this is for an individual with the same name and same prior address which indicates that it may belong to a parent because we have the same name. They have advised that this has been reported to the credit bureau. I 've submitted multiple disputes to Equifax and this continues to be in my credit report. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as above XXXX XXXX XXXX - Balance {$190.00} I 've taken the same action as noted above with XXXX and concluded in the same with XXXX. Again I 've submitted multiple disputes and this continues to be in my credit report with Equifax. XXXX XXXX has also advised that they have reported to Equifax of the same. 

XXXX XXXX XXXX ( XXXX ) - Balance {$330.00} Same as noted above for the previous two XXXX records.
Product: Credit reporting or other personal consumer reports

Based on your investigation ( XXXX, CFPB complaint # XXXX ) The reporting number of days late on the payment history has been inconsistently updated for XX/XX/2018 as 60 days late and on XXXX, its 30 days late for XX/XX/2018. If the information is coming from the original creditor then the days late should be the same. We can not say these accounts are 100 % accurate so it is deemed INACCURATE. Please delete the 60 days late and replace with Paid On Time.
Product: Prepaid card

Dear CFPB, I am writing to file a formal complaint against U.S. Bank for withholding my unemployment benefits, which has caused severe financial and emotional distress. I am desperate for assistance and fear for my financial stability as I have not been able to access my funds since XX/XX/year>. 

On XX/XX/year>, U.S. Bank closed my unemployment debit card account. Despite multiple attempts to access my funds, I was told by U.S. Bank that my account had been closed but that the funds were still available. I was instructed to contact my state unemployment office to resolve the matter, as U.S. Bank claimed the issue was not on their end. 

After months of effort, I finally received an email from my unemployment office on XX/XX/year>, informing me that U.S. Bank was supposed to send me a check for the remaining balance of {$4000.00} after closing the account. However, I never received this check, and U.S. Bank has provided no resolution. 

I have called both U.S. Bank and the unemployment office countless times, sent numerous emails, and have been through stressful identity verification procedures that took much longer than promised. The result of this has been months of waiting, during which I have been unable to access my rightful benefits. I have incurred significant credit card debt in an attempt to stay afloat, and the strain on my mental health has been immense. The lack of communication and transparency has left me feeling helpless and fearful for my future. 

This situation is not unique. According to recent reports, U.S. Bank has been found liable for similar actions during the COVID-19 pandemic, when tens of thousands of Americans were denied access to their unemployment benefits due to the banks improper freezing of accounts. This pattern of behavior is unacceptable, and I am seeking your help to resolve this matter. 

I respectfully request that the CFPB investigate U.S. Banks handling of unemployment benefits and take immediate action to ensure that I receive my funds. I have exhausted all avenues available to me and am desperate for resolution. U.S. Banks actions have severely impacted my life, and I fear the financial and emotional toll will continue to grow if no action is taken.

Thank you for your time and consideration of this matter. I hope for a prompt resolution.