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

This complaint is about incorrect information reported by First Federal Credit CTL on 2 medical bills. XX/XX/XXXX I agreed to their request to have a payment plan to pay my account balance in full. They collected a payment of {$50.00} then and another one on XX/XX/XXXX. Payments are automatically deducted by them. As of today they continue to report these accounts as delinquent and unpaid. 

**************************************************** Here is a copy of my receipt from them : FIRST FEDERAL CREDIT CTL XXXX XXXX XXXX XXXX XXXX. 
XXXX, OH XXXX United States TYPE : Purchase ACCT : Visa {$50.00} USD CARDHOLDER NAME : XXXX XXXX CARD NUMBER : # # # # # # # # # # # # XXXX XXXX : XXXX XX/XX/XXXX XXXX REFERENCE # : XXXX XXXX M AUTHOR. # : XXXX TRANS. REF. : XXXX Approved - Thank You 100 ***************************************** I have called and emailed the company twice and no corrections have been made.
Product: Credit reporting or other personal consumer reports

When checking my credit report, I noticed a new credit card account : XXXX XXXX XXXX. This account was fraudulently opened in my name. The account shows an address of XXXX XXXX XXXX XXXX. XXXX, CO. I've lived at my current location since XXXX. I did not open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over XXXXtransunion has me at a score around XXXX. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a XXXX rept but they refused they had me on mute for XXXX hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have XXXX negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me XXXX  XXXX and stopping me from getting this job offer n now im homeless n cant provide to mXXXX XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX  now.with no help.
Product: Checking or savings account

I noticed unauthorized inquiries on my credit report that I would like removed. According to the FCRA, these unverified and unauthorized items must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian showed my credit score on XX/XX/2022 as being XXXX. On XX/XX/2022 Experian is claiming that I have do not have enough credit generate a score and it deleted my credit card off of my credit report. XXXX and XXXX are showing the correct information, only Experian is inaccurate and it does not provide a method disputing this misinformation. Furthermore, their customer service loops and there is no option to speak with a representative.
Product: Bank account or service

I have been told several times by Citibank that I am a preferred client. I tried many, many times to determine why I could not pay the IRS with my Citibank online BillPay account. I finally received a letter from Citibank stating " this service is no longer available for the IRS, as we have encountered servicing issues with them. '' I had to make XXXX separate inquiries to Citibank in order to finally learn that Citibank does not pay the IRS with their online BillPay services. 

I complained to Citibank and asked XXXX ( XXXX ) very SPECIFIC questions, as follows : Why did n't Citibank give me this information in the first place? 

Why did I have to drag ( XXXX TIMES!! ) this information out of them? 

Can Citibank be any more UNCLEAR in communicating with their preferred clients? 

Does Citibank really believe this is acceptable customer service? 

I even stated my expectations in my complaint, as follows : I expect Citibank to respond to this complaint with answers to the above ( XXXX ) questions. 

I received a Citibank letter, dated XXXX XXXX 2015, which is attached. 

CITIBANK, OF COURSE, DID NOT ANSWER MY XXXX QUESTIONS! 

THE LETTER WAS JUST ANOTHER EXAMPLE OF POOR COMMUNICATIONS FROM CITIBANK!
Product: Credit card

Approximately XX/XX/2016, I was contacted via my cell phone from a company called TMG Financial to which I had never heard of before. The representatives for this company called my cell phone 3-4 times a day asking me to send money for a credit card to which I had no knowledge of. I further stated to them that I had never made a debt or signed a promise to pay note with this company. I naturally assumed that they were scammers because they asked me to send money and asked me to verify my personal information to which I refused because if they had opened an account with me- they would already have all of my personal information. The reps for the company were very unprofessional and refused to stop calling my cell phone until he paid them. They further stated to me on several occasions that I needed to pay my bills or they would not stop calling my job and cell. Around XX/XX/2016, they began to call my job at the XXXX 5-6 times a day. They even called on the days when I was off duty. My supervisor began to complain about the amount of personal calls I was receiving at the job. I asked them numerous times to stop calling me- they refused. Lastly, they have even began to report late [ payments on my credit report which caused my score to plummet 60 points since that time. I repeatedly told them this account was n't mine and then asked them to provide me a legal debt validation to which they refused to send the contract. However, since that time- they have continuously reported false information to the credit bureaus and harassed me ion my cell and my job. This has caused me a great amount of undue stress because of the uncertainty of losing my job because of the calls and my credit worthiness being diminished. I know that my rights have been violated in accordance with the FCRA. I have kept careful record of the phone calls on phone log and have acquired a statement from my supervisor with the amount of calls to my job- along with monthly credit reports to show the decline in my score. Every time they called, they asked me to verify my personal information with them so that they knew if they had the right person- but they failed to make sure I was the right person when reporting to the credit bureau. I never made an account or signed any contracts to pay TMG financial. I will not hesitate to confer with a consumer attorney if this matter is not addressed expeditiously. Govern yourselves accordingly. The phone number they called from was XXXX and XXXX.
Product: Student loan

XX/XX/XXXX called Nelnet to ask why my payments havent been being made. They said I was on a Covid forbearance. I asked for the total amount so I could pay off the loan in entirety. 

XX/XX/XXXX got an email from Nelnet telling me I have a payment due in XXXX. I access my Nelnet account and it said I made my entire payment in XXXX so it should be paid off. 

I called and they said the payment was returned, and so were all payment since XX/XX/XXXX. 

I was NEVER notified that my payments were being returned. 

Nelnet told me I must have the wrong checking account information entered in the system. I had them show me how to check while on the phone. The checking account info is censored so you can not see it. She said there was no way of seeing what information was in there. The online Nelnet account showed a green check mark saying they knew who my credit union was. She said there is no way of knowing what the account number is. 

I asked why Nelnet did not notify me that my payments were being returned. She said they sent out one letter or email ( she couldnt tel me which ) in XXXX of XXXX. I did not receive a letter nor an email otherwise I would have called and found another way to pay. My goal was to NOT accrue interest. Instead I did accrue a lot of interest. The Nelnet Representative said there is ZERO way to appeal to get my interest returned. 

How is this fair? They can charge me interest and return my payment without notifying me for months? I did NOT get a letter nor an email. How do I know they actually sent one? I have all other nelnet emails still in my inbox. So a loan company can CLAIM they notified me, but what if they made a mistake? How convenientI get to pay hundreds in interest! 

This reminds me of the XXXX XXXX scandal where they were inappropriately causing customers to gain fees and interest.
Product: Checking or savings account

On XX/XX/XXXX I filed two claims with money network customer service due to unauthorized use on the card I had with them. The one dispute totaled around {$420.00} dollars and the last 4 of the claim number is XXXX, while the other claim totaled {$200.00} dollars and the last 4 of that claim was XXXX. I was promised by a supervisor at that time that I would be given a full provisional credit within two days of me filing these claims because I needed the money for rent! Now it clearly states on money networks website under the terms and conditions that once a fraud claim is filed within 10 days you will receive a provisional credit for the unauthorized charges. Not only does it state that on money networks website-it also is a federal law and beings that this company claims to be fdic insured-they have to give me my money back! I have called customer service everyday now for the last few days and I ask to speak with a supervisor. I'm not sure what kind of employees money network looks for when hiring, but they need some additional training because not one of them is even nice let alone empathetic to my situation. Not one of them even knows what money networks terms and conditions even say!! I want my money back now! It's been well over the 10 day grace period that you people have been allotted to give me the provisional credits you owe me! I will continue to make complaints everyday if need be!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi, My name is XXXX XXXX. 

I am writing to complain on Equifax for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items. 

The following are some of the dates of the letters I have mailed out they range from XX/XX/2020 to XX/XX/2020 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP OF WHEN EQUIFAX RECEIVED THE LETTER.
Product: Credit reporting or other personal consumer reports

I am the Victim of Identity Theft since XXXX been sending Supporting Documents to XXXX Transunion and XXXX for the last XXXX years Identification Updated Bills Social Security Card Lease and still items remain that have been fraudulently from a hacker unknown keep disputing nothing is being done my name email and social have been compromised repeatedly sending in proof of who I am
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Checking or savings account

Navy federal took money from me for over drafts that werent valid using the OOPS service
Product: Mortgage

On XX/XX/XXXX I sent Flagstar Bank a completed application for Mortgage assistance. At that time, I was only behind 1 month. I never heard from the company and was not provide with any updates on my request. In XX/XX/XXXX, I called again and was finally advised that my application was cancelled and closed because I was missing information. The agent who advised me of this could not tell me what I was missing but did tell me to reapply, so I did ( dated XX/XX/XXXX ). At this point, the online platform is not allowing me to make any payments. Now, after not hearing anything from the company again, I called for an update and was advised that my loan was in foreclosure status and that i could not be given any information!! They still will not accept ANY payments and completely refused to offer any kind of assistance although I have been trying since XXXX of the previous year. I was provided with a foreclosure attorneys contact- XXXX , XXXX & XXXX , XXXX- ( XXXX ) XXXX. Their online platform no longer allows any access to any documents post XXXX of XXXX. I no longer have access to any records of my document uploads and they are attempting to force me to pay attorney fees to have my loan reinstated!. The last notice that I received from them is dated XX/XX/XXXX with a payment date of XX/XX/XXXX. Nothing prior to that for the current year.
Product: Debt collection

This has been a ridiculous and ongoing problem with XXXX We cancelled our internet. We returned all material ( Routers ) as required. They closed the account. We received a statement showing XXXX balance. XXXX then sent us a bill for unreturned router. We contacted them numerous times. We were told they would take care of the matter, numerous times. Then, XXXX charged our credit card for funds owed. I disputed this with the credit card company and won the dispute. I received a letter dated XX/XX/XXXX from our credit card company informing me that " Your account has been credited. We're pleased to tell you that we've resolved your dispute. Transaction Post Date XX/XX/XXXX. XXXX XXXX XXXX*AUTO PAY. XXXX XXXX {$XXXX} '' After that, XXXX referred us to a collection company, XXXX XXXX XXXX. I responded to them via certified mail with return receipt ; XXXX XXXX XXXX XXXX, article number XXXX XXXX XXXX XXXX XXXX. We haven't heard anything since receiving the return receipt date stamped XX/XX/XXXX. Then today, our bank notified us of a negative report on our credit report by XXXX XXXX XXXX for XXXX. Our XXXX XXXX dropped from XXXX to XXXX in XXXX day because of their actions. Why? Why did they file this and damage our XXXX XXXX?! 

Please advise me what to do. XXXX and XXXX XXXX XXXX have harmed our XXXX XXXX. We returned the router. ( The router is not worth {$XXXX}. ) I believe that XXXX and XXXX XXXX XXXX are blackmailing us, pay up or we'll destroy your credit.
Product: Mortgage

My loan servicer changed to Fay Servicing as of XX/XX/2020. I contacted them because due to current situation I am in an extreme financial hardship. They approved my forbearance on XXXX. Then on XXXX made an unlawful withdraw of my full mortgage payment. Not only was this completely unauthorized AND happening while I am in forbearance, protected by the cares act ; I didn't even have an auto payment with my previous lender XXXX XXXX. I literally found out when I was at XXXX tying to buy groceries and my card was declined on XX/XX/XXXX. I had to sale things I need and use to try to cover the expenses and take take out a loan all due to this. On that day I emailed their customer service department as I will not speak with them since they will record our calls but not let me record on my end, too. They hadn't responded and withdrew the money again on XXXX. Now I have no avenues to even try to recover. I can't pay my bills, get gas or groceries. I've emailed again and even found an email for their CEO ; all have gone unanswered. I am ready to go to the media and an attorney but since I usually work in this industry, wanted one more formal attempt to get this fixed.
Product: Credit reporting or other personal consumer reports

Dear CFPB, Reference : Equifax - acc # XXXX XXXX XXXX XXXX I am writing to formally address an issue I have encountered with XXXX XXXX, a collection agency that has placed an invalid negative collection on my credit report. This action appears to be a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 ( 5 ) and 15 USC 1692c.

Despite my repeated attempts to resolve this matterthrough multiple phone calls and emails beginning in the month od XX/XX/year> when I noticed change on my credit report XXXX XXXX has failed to remove the inaccurate information from my credit report. This has caused significant distress and adversely affected my credit score. 
Please review attached email correspondence with XXXX XXXX XXXX I kindly request that the CFPB investigate this matter as I believe my rights under the FCRA have been violated. I have attached copies of my correspondence with XXXX XXXX and my credit report showing the disputed collection for your reference. 

Thank you for your attention to this serious issue. I look forward to your prompt response. 
Sincerely, XXXX XXXX [ Attachments : Correspondence with XXXX XXXX, Credit Report ]
Product: Mortgage

I had a modification and Chase overcharged me. I presented proof as a receipt from the local real estate tax board along with the letter from Chase that stated how much I owed for real estate taxes. 
They refuse to acknowledge it. 
We had a deposition and my side was not allowed to ask questions and I got charged for Chase 's deposition. 
I was awarded {$500.00} against Chase from the Independent Foreclosure Review Board and had to get help from the Attorney General to get them to tell me in writing  what I was charged for in my loan modification. 
There have been numerous issues with the mortgage where they charged me fees for partial payments that they believed were bounced checks, they charged me for insurance when I had it, they charged me twice for insurance in the same month, and etc. 
I need them to correct the overcharges that I proved with the tax records so that I can sell the house. I do not ever want to deal with them again. I am afraid to continue dealing with them. I emailed their XXXX XXXX XXXX several times. They would have the Executive Office contact me but, they never resolved the issue.They have two hour recorded calls where I have called them and they agree to help on the call but, never follow through. 
I am having such a bad experience with them that I do not intend to hold a mortgage in the United States ever again. 
There is a possibility that the XXXX XXXX or XXXX XXXX XXXX XXXX did receive all of the the tax payments from XX/XX/XXXX-XX/XX/XXXX and didn't refund or credit them. I need an investigation asap, please.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern Pursuant to 15 USC 1681a ( 2 ) ( B ) " any authorized or approval of a specific extension of credit directly or indirectly by the issuer of credit card or similar device " Should be excluded from a consumer report. The definition of a credit card under 15USC 1681 is the same as it is under 15USC 1602 ( i ) which the term " credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining, money, property, labor or services on credit " Notice, congress said ANY card. The credit card is my social security card. This is the credit card I used to originate every consumer credit transaction below. They all should be removed from my consumer report pursuant to 15 ISC 1681a ( 2 ) ( b ). I am demanding that you remove these Transactions from my credit report immediately as they are a violation of my rights as a federally protected consumer under XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

I opened several accounts in Bank of Ao and put my money in some exempt accounts The bank garnished my accounts and when the garnishment was released the bank is refusing to refund my money into the accounts
Product: Debt collection

COMMON WEALTH FINANCIAL needs to produce Documents provided in response to requests for production or in support of responses regarding the alleged account, what is the name and address of the alleged Original Creditor, if different from the Debt Collector. They are report account that I am not aware of. I was a victim of ID theft and have been report any new or old accounts I do not recognize. Did the Debt collector purchase the alleged account from a previous Debt Collector.If the transfer rights regarding the alleged account were by negotiation, was the alleged account taken for value? How long has this account been in a collection status.I have requested that COMMON WEALTH FINANCIAL Stop calling my phone over a Debt that I do not owe to their company. Pursuant to the Fair Debt Collection Practices Act, 15 U.S.C. Section 805., you are hereby notified to CEASE AND DESIST all further communication with me in regard to the referenced debt. Failure to abide by this law will result in a complaint being filed against you with the Federal Trade Commission, the Attorney General of both your state and mine, and also your own company management. I also the right to file suit against you for any future violations of this law. I will record any and all phone calls if you fail to comply with this CEASE AND DESIST. Fair Debt collection Practices Act, 15 USC 1692 Sec. 809 ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. This would include affidavits since said records or documents upon which your office has sent are not original and not admitted into evidence or attached to the complaint or affidavit.
Product: Credit reporting, credit repair services, or other personal consumer reports

Lowes Home Improvement, managed by Synchrony Financial, automatically lowered my score based on some faulty algorithm. I had a credit limit of {$8100.00} & because I was nine days late on my payment they erased my credit limit. 

Thus, the decrease in the availability of credit, in turn, also decreased my credit scrore negatively. They are unreasonable & blame it on the credit bureaus. I spoke with Manager, XXXX # XXXX & Operations Manager, XXXX # XXXX to no avail. Horrible business practice by Synchrony & Lowes.  I have been a customer since 2015.