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

XXXX XXXX/XXXX Account Number XXXX Opened XX/XX/XXXX Current, was past due 30 days Status date XX/XX/XXXX Late payments XX/XX/XXXX Never late on any of my accounts. Why is this negative inaccuracy on their end for XXXX XXXX  failing to report accurate information onto report? I'm sure this is a violation of the FCRA. I'm extremely upset about XXXX XXXX failing to report inaccurate information for my behalf being a user with them since XX/XX/XXXX. Should I consider to still use them if they fail to report accuracies in the near future? This is unfair practices placed against me.
Product: Debt collection

I had a XXXX Home Depot illegally sent my account to outside collection company without properly notifying me. I was not given Due Process. I made numerous attempts to satisfy my debt at store and over the phone Home Depot refused to accept my payment. The Cops where called on me several times. Home Depot withholding information which a violation of common law USC 2071 Concealment, and also violating Judicial notice.Home Depot has violated numerous USC regulations and multiple constitutional rights. I should not be treated like this as a XXXX veteran.Home Depot is saying didn't discriminate against me but I asked for accommodations multiple times. I filed a federal lawsuit regarding these statues.
Product: Debt collection

I received a voicemail on XX/XX/XXXX at XXXX XXXX from a debt collector who did not identify themselves nor provide their license number. I was told " this <call> certainly won't be the last '' if I did not call back. I was also told that a tax form 1099C has been issued. I was told of a 10 % " temporary '' discount if paid in full. Since I do have a few credit blemishes I reviewed my XXXX and XXXX reports online and did not find anything from the company identified ... ASG XXXX, nor XXXX Holding the " original creditor. '' I researched them online and found their website and attempted to " chat '' with a Rep about the " debt owed '' and I was told very quickly that the debt is real and asked if I needed help setting up a payment. I asked for their address to send a " cease and desist '' and the " chat '' was disconnected by the Rep. There is no address listed on the website in order to forward written documentation regarding the supposed debit. I have also never received anything in writing from this company regarding the debt. I do not recognize the debt and many debts were discharged in a 2014 bankruptcy filing. Now I am being plagued with phone calls and text messages ; phone call and text at the same time today, XX/XX/XXXX, at XXXX. None of my questions will be answered by any of the Reps involved. I just need to pay so the matter can be resolved " amicably. ''
Product: Credit card or prepaid card

I have a credit card that is the " world '' card. The card was assessed a foreign transaction fee because it is not the " elite world '' card. The name of the card is misleading and contrary to information provided to me by the bank prior to foreign travel. When I called to resolve the {$1.00} fee that was assessed on XX/XX/19 I was told there is nothing that can be done since it is not the " elite world '' card. It seams as though the information provided to me was wrong as representatives for the bank are also confused between the two " world ' cards. The company would not take any action to resolve the issue, which is a {$1.00} fee. I have been a customer for over 10+ years.
Product: Checking or savings account

Wells Fargo Bank will take inbound money transfers but will not allow outbound or have very small limits. They will do larger account transfer with a large fee
Product: Credit reporting or other personal consumer reports

I am following up on my prior request for an investigation into the inaccuracies on my credit report, which I originally submitted in XX/XX/XXXX. To date, I have not received a response from your office, and the incorrect information remains, negatively impacting my credit. This inaction is both troubling and unacceptable. 

For your reference, please update and remove the late payments for the following accounts. 

- XXXX XXXXXXXX Balance : {$210.00} Date Opened : XX/XX/XXXX - XXXX XXXX XXXX Balance : {$12000.00} Date Opened : XX/XX/XXXX I kindly request that this matter will be promptly solve by EQUIFAX. 

As per the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to investigate disputes within 30 days of receiving a formal request. More than 30 days have passed, and I have yet to receive any resolution, confirmation of investigation, or update on this matter. The continued presence of this inaccurate information has severely impacted my creditworthiness and has caused denial of credit, increased interest rates, or emotional distress. This delay undermines the confidence I should have in the integrity and efficiency of the processes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed this paid medical several times, and it does not appear that Equifax has ever done an investigation into the account. If they had it would have been removed, because Equifax would have been compliant with XXXX a federal law written to protect me from this!
Product: Credit reporting or other personal consumer reports

The recent late payments are inconsistent with my usual payment history.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance {$9200.00} ; XXXX XXXX Date opened : XX/XX/XXXX Balance {$2600.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$1000.00} ; XXXX XXXX XXXX XXXX XXXX Date opened : XX/XX/XXXX Balance {$24000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

After careful review on my behave of the consecutive timeline period provided by "XXXX XXXX XXXX" correspondence and all paperwork necessary in resolving this case; as stated in the attached letter "ChexSystems Request for Investigation" that was initiated by you (******.) and disputed for investigation by me on XX/XX/XXXX; ..it was written by your letter that if ChexSystems does not receive a response to this investigation requested by XX/XX/XXXX this "disputed item" shall be removed from the "ChexSystems" files. ChexSystems and myself were notified of the outcome on XX/XX/XXXX--that is more than 1 month and 12 days that passed over as directed by the Federal Fair Credit Reporting Act!
Product: Mortgage

The below email was sent on XX/XX/XXXX, the first call was made XX/XX/XXXX and I was told I would be contacted with a response within XXXX business days and never received a reply... This mortgage is serviced by Lakeview Loan Servicing subservicer XXXX -- email below to XXXX -- and I received an automated response and then no further follow up. 

Hello, I am currently paying {$730.00} per month There is currently an Escrow balance of {$7600.00} I began this mortgage in XX/XX/year>. 
The annual tax payments this accounts makes on my behalf equal {$2600.00} This is inappropriate and a violation that I will be reporting to the CFPB if this isn't reasonably corrected in the next week. I called and brought this to your attention XXXX weeks ago and did not receive any follow up. Please provide an explanation and resolution before I raise complaints with any government body that accepts them. 

I expect the Escrow related payment for this mortgage to be under {$250.00}. I expect this to be updated immediately and the funds in excess of {$3000.00} returned to me within the billing cycle. 

Here is the CFPB documentation on what you can reasonably hold : " every month, your mortgage servicer can require you to pay up to one-twelfth of the total annual escrow payments that they reasonably anticipate paying out of the escrow account. '' from https : //www.consumerfinance.gov/ask-cfpb/is-there-a-limit-on-how-much-my-mortgage-lender-can-make-me-pay-each-month-for-insurance-and-taxes-the-escrow-en-200/ Best,
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received my credit report and noticed unauthorized items that shouldnt be reporting to my credit profile due to an EQUIFAX DATA BREACH. And in accordance with the Fair Credit Reporting Act, XXXX accounts XXXX XXXXXXXX and XXXX XXXX has violated my rights 15 USC 1681 section 602 A. States that I have the right to privacy 15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written consent If you have any questions or concerns I can be reached at XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX XXXX, have consistently been exercising my rights and notifying Equifax that the XXXX complaints submitted ARE NOT GENERAL DISPUTES!!! I have stated that clearly several times. The agency is still disregarding what my letters and complaints are saying and are still violating my rights. I am not denying nor am I validating the account. First, I stated that XXXX XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ) ( iii ) says that transactions should be excluded from a consumer report. Payments are transactions that should not be reported. Next, FCRA XXXX XXXX. XXXX states a consumer report should NOT be furnished with the written and expressed consent of the consumer, which I have never sent. Also, any account created from a credit card is to be excluded from a consumer report via XXXX XXXX. XXXX ( XXXX ) ( XXXX ) ( XXXX ), with a credit card being a driver 's license and a social security card. I also asked the specific procedures of the re-investigation and i should've gotten a response within XXXX days according to XXXX XXXX. XXXX but the agency also did NOT comply with the law yet again. For the record, only the original credit can validate an account per XXXX XXXX XXXX and a creditor only refers to a " person. '' Equifax never validating anything with me. 

NOTE, nothing in my complaint says anything about verifying, validating, or denying information on my consumer report. Rather, I am stating my federal rights are being violated intentionally and my complaints are being disregarded. And if you don't understand the legal ramifications, forward this to an attorney and not a consumer relations representative.
Product: Credit reporting or other personal consumer reports

I fixed everything on the account once I was notified. It's not that I refused to pay it or couldn't pay it, it's that the ONLY reason that account ended up delinquent and 30 days behind was because their app not only mislead me, but also misrepresented the fact that auto pay was not for my XXXX XXXX account as a whole but rather one individual card instead of all on my account. It kept telling me auto pay was on but little to my knowledge it was just for that one card and notifying me a payment is coming up and auto pay was on. I never got notifications on the app about my behind card either, I only found out because of XXXX XXXX They never made it clear that auto pay was for individual cards and not my whole XXXX  XXXX account. So I went months thinking everything was good and being paid on my other XXXX card. They also gave me some false sense of security by removing it, then not even 2 days later, they added it back. All this, over a misunderstanding with their app structure. If you look at my other XXXX  XXXX account, it even has perfect payments.
Product: Debt collection

To whom it may concern : I have recently received a copy of my credit report and noticed a number of accounts that need further validation. In response, I submitted a letter to request that Senex Collection Agency validate this debt. I requested this information to avoid any fraudulent information being reported on my credit report. The original request was mailed on XX/XX/XXXX ( see attached document and delivery confirmation receipt ). I requested several items to be validated as noted below ( see attached letter ) : Verification that there is a valid basis for claiming I am required to pay the current amount owed. 

Details about the age and amount of the debt including a copy of the original signed agreement with the original creditor. 

The date the original creditor claims this debt became delinquent. 

Any documents which show a signed consent agreement between me and the original creditor. 

A detailed copy of any payments made by my insurance company. 

Please also include details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license and license number, and the name, address and telephone number of the state agency issuing the license. 

In response to my request, Senex failed to provide the information requested. Their response was to provide an itemized bill which does not validate this is my bill, no signed agreements, insurance payments,,, etc. In fact instead of providing the documentation requested, they are stating that I need to provide proof to Senex that this medical bill is not mines ; which is the basis of my original complaint. Senex is denying me the right to dispute a bill by failing to provide adequate proof. In fact, I do not have a relationship with this provider, I have not received any statements from this provider and this bill does not belong to me. The itemized bill appears to be erroneous, they are reporting on my credit file that this debt occurred in XXXX for services rendered in XXXX.
Product: Credit card or prepaid card

In XXXX of 2021 per First Tech instruction I sent a letter to this address reporting an update to my address. This address was provided by my local branch. 
First Tech Credit Card Payments XXXX XXXX XXXX XXXX, OR XXXX My Address was not updated correctly and at this point due to a First Tech error I stopped receiving my statements from them. I pay my bills based on the statements I receive and since due to this error I never received a statement indicating anything was owed to First Tech. 

Upon seeing that I had a " past due '' I went to my local branch off of XXXX XXXX and spoke to XXXX XXXX. XXXX informed me that the address was not changed properly and that he was able to see the updated address when I called in XXXX after I saw my credit report effected. He apologized on behalf of First Tech for their error and let me know that he would speak to the proper department to get my credit report corrected since this wasn't my error and in fact a First Tech error. 

I heard back from XXXX about a week later and he was happy to inform me that my credit report would be corrected within 30 days and that he had credited all late fees due to the bank error. 

Upon recent review of my credit report the late payment for XXXX is still showing and had not been properly corrected. I was promised multiple times by First Tech and XXXX that this would be corrected. I have now waited patiently for months and this still has not been removed.
Product: Money transfer, virtual currency, or money service

XX/XX/2018, i depostited {$1000.00} and they went XX/XX/XXXX to pick it up the money wasnt there ...
Product: Debt collection

Someone obtain a payday loan in my name without my knowledge. I have tried several times to hav e Ad Astra Recovery v alidate the debt but to no avail. I have received threating phone calls from deb t collectors on my  job and afte r 9  at night. On one occasion the debt collector insulted me and even asked if my parent taught me to not pay my bills. This issue has ruined my credit and taking a toll on my health.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX of XXXX a XXXX XXXX card was opened in my name and it was determined that it was fraudulent because they could not verify the identity of the applicant. I contacted XXXX XXXX XXXX XXXX XXXX to remove the account from my credit report and the inquiry in XXXX of XXXX. Initially they informed me that they could not, but eventually they did. What I did not know is that they also sent a fraud alert to all of the credit reporting agencies. So in XXXX of XXXX when I attempted to apply for a XXXX credit card I was denied the ability to apply for credit because XXXX XXXX had sent a fraud alert on my account. XXXX informed me that they could not verify my identity based off of the information from Experian XXXX XXXX XXXX. So in XXXX of XXXX I went to the websites of all the credit card companies XXXX Experian and XXXX and followed the instructions to have the alert removed from my file because it was blocking my ability to access new lines of credit. 

I went online for Experian and mailed a letter for XXXX, but I did not receive any confirmation from any of the companies. Most recently, I had to call back on XX/XX/XXXX because XXXX XXXX XXXX XXXX XXXX informed me that Experian still had a fraud alert on my account that required them to verify my identity before we discussed any account information. 

I check my credit report every week through XXXX XXXX ' XXXX XXXX XXXX which is powered by XXXX  and it did not list a fraud alert notice for XXXX to present date. On XX/XX/XXXX XXXX XXXX informed me that they had to do a security check, which should have only been a soft inquiry. However, it was listed on my credit as a soft and a hard inquiry. I would like the hard inquiry to be removed. I contacted Experian on XX/XX/XXXX and they removed the fraud alert. But I had already previously contacted them in XXXX of XXXX to remove the alert through their online portal, so it already should have been removed. So, the XXXX XXXX soft inquiry should have never occurred since I had already contacted Experian in XXXX to remove the fraud alert. I called again on XX/XX/XXXX to get the XXXX XXXX hard inquiry removed from my report because XXXX XXXX stated it was due to the fact that Experian placed a fraud alert on my credit report. I never authorized a fraud alert to be placed on my account and in XXXX of XXXX I went to www.experian.com and submitted the documentation electronically for the fraud alert to be removed from my account in XXXX of XXXX and XXXX of XXXX. 

Frankly, I want the XXXX XXXX hard inquiry removed from my account because I did not apply for credit with XXXX XXXX. They stated it was a security measure from Experian that I did not authorize on my credit report which all stemmed from fraudulent XXXX XXXX card.
Product: Student loan

This is a second request regarding Navient Private Loans. Yes in the past, I have had private loans that have been charged off by Navient and are no longer legally collectible as Navient couldn't supply the documents. So, I do not need to know anything about those loans and what happened. 

My issue I have co-signed for XXXX loans for XXXX  XXXX XXXX XXXX The outstanding balance is now double the original loan balance. Also, I do not receive monthly statements from Navient-Yet I have ask many times. Instead I get a robo call twice a day with no message left on my voicemail. I have since blocked all Navient calls. Navient can not send a monthly statement-which I thought was legally required. But they can send XXXX notices to us in the post. I feel like this relationship is one sided. Navient wants me to pay but can not send me a monthly statement indicating the amount due and the due date. The outstanding balance on both loans has ballooned and is now double the original amount. When the COVID forbearance hit, Navient did not notify us. Instead I had to ring them monthly to get a forbearance.
Product: Student loan

I called in XX/XX/XXXX to receive a refund of my payments made to Mohela & XXXX XXXX ( after they transferred to Mohela ). I received a partial refund in XXXX and called to follow up about additional refunds. They told me it would take an additional 30-60 days because of the transfer but did not inform me that no request was ever put in for refunds prior to transfer. When I called back in XXXX of XXXX I was informed the request for the XXXX  refund was not put in on XX/XX/XXXX instead of when I called in XXXX and it would take 60-90 days from that point. No balance has been updated, no refunds have been provided, and my call in XX/XX/XXXX I was informed theres now no timelines. It has been 5 months since my original call and this was clearly an error on their part for not having put in the request for the payments sent to XXXX until a later date without ever having informed me of this.
Product: Credit card

I was serving my company for the last XXXX  months over seas in that time my credit card was stolen and I provided the police report and ftc report to Bank of America Ive also proven to them the suspect who stole my card is in custody They still continue to deny my claim and steal my money Who steals from a XXXX?
Product: Credit card

I have a store credit card that I have had for a very long time. I have great credit. But all of a sudden I get a paper in the mail that I am getting a new card. I thought okay. So I waited. All of a sudden I get a Capital one card in the mail and it says that THIS is my new department store card. To activate it & dispose of my old card. Well I didn't want that card and I threaded it. Few days later XXXX XXXX sent me an email to check my credit changes. So I did. Capital one CLOSED my department store card and put their card in its place. Made it look like just the account number changed. They even changed the dates to show that I have had this card like I did the original one. I contacted Capital one told them to close that account. I wanted nothing to do with their 38 % interest credit card. Told them I wanted my department store card opened back up. They said they would but I have yet to see this happen.