23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

This is a follow-up complaint to issue XXXX, associated with a billing dispute. Citibank has not resolved the issue as implied in their response to CFPB. 

During the period of disputed charge with a vendor, Citibank has charged interest associated with that dispute. My most recent statement shows that interest was applied during this period. Citibank indicates the dispute is resolved ( vendor has provided credit ) but hasn't addressed the fees they inappropriately collected during the period.
Product: Money transfer, virtual currency, or money service

I was scammed by a person on the phone who posed as personnel from XXXX XXXX XXXX and said they'll cut our power in an hour if we don't pay our delinquent bill from the previous month. I ended up using XXXX from Bank of America and sent him close to {$1100.00} to resolve this issue. I called the bank 's fraud department and they said the bank can only refund the $ when its fraud not when its scam. The issue I have is the fraud department already knew this scam artist, evidently they've been sweeping the XXXX XXXX with this scam and fooled many BOFA customers. I feel its the bank 's obligation to have notified its customers when they saw this happening to warn them. This didn't happen and now they are not refunding the $ back to me.
Product: Debt collection

Entire XXXX XXXX SERVICES student loans have been PAID IN FULL AND TOTALLY DISCHARGED. THERE IS XXXX DEBT OWED. YET THEY ARE NOT DELETE N THE TRADE LINE. PLEASE DELETE ALL STUDENT LOANS FROM THE ENTIRE CREDIT FILE
Product: Student loan

I currently am a co-signer with two loans from Sallie Mae, i do not believe that the interest and fees is calculating correctly considering the fact that these have been paid on time for the last four years with little movement among the loan.
Product: Debt collection

I was just informed during a telephone call that I made to Radius Global Solutions by a supervisor by the name of XXXX XXXX, that they are attempting to collect a debt of {$800.00}. My credit report states that the alleged debt is {$770.00}. She then also stated that there was some other {$25.00} charge.The telephone call took place at XXXX central time. It was also stated the 3 times I was placed on hold that the call can be recorded or monitored. It also turns out that she confirmed that the account was opened with them on XX/XX/2019. I had no knowledge of this due to them not stating who they were on the telephone when they contacted me some weeks ago. I did tell them to only contact me by mail. And they did, BUT they sent the documentation to address I have not been associated with for the past 2 years 5 months. It also turns out that XXXX XXXX stated that the debt was bought by them from the original creditor XXXX XXXX XXXX XXXX. I do know for a fact this debt did also come from a company called XXXX XXXX before the date that Radius Global Solutions on XX/XX/2019. When the accout was in the hands of XXXX XXXX it had gotten deleted due to not being able to Validate the debt. XXXX XXXX XXXX is a debt purchasing company, not the original creditor of this debt. If the Original creditor is no longer attached to this debt and can not be validated this item need to be removed IMMEDIATELY. Thank you.
Product: Student loan

I am filing this complaint against my former student loan servicer, FedLoan Servicing/PHHEA . According to studentaid.gov, the application I submitted recertifying my income for the PAYE repayment plan on XX/XX/XXXX XXXX is in review. Yes, you read that correctly. A request from XX/XX/XXXX, is purportedly in review. Documentation is attached. This request was submitted to my former loan servicer, FedLoan Servicing/PHEAA, according to studentaid.gov. I frankly do not see how this can be. FedLoan processed this XX/XX/XXXX, request on or about XX/XX/XXXX. Documentation is attached. FedLoan ceased being my loan servicer as of XX/XX/XXXX. My loans were transferred to XXXX at that time. I called Federal Student Aid to inquire why my request from XXXX is supposedly in review. A representative informed me that only XXXX can close the case. Yet, XXXX told me that it can not access the request. I have since switched from the PAYE repayment plan to the SAVE repayment plan. Documentation is attached. My XX/XX/XXXXXXXX XXXX XXXX recertification does not need to be in review. Rather, this matter needs to be closed as it has long since been resolved. Please do not tell me to contact XXXX various representatives have informed me that they can not access this XX/XX/XXXXXXXX XXXX request. Also, please do not tell me that my loans are no longer in your system, and that you can not help me. I am frankly tired of the runaround. Someone needs to contact studentaid.gov or XXXX and tell them to close my XX/XX/XXXX, request. I have filed various complaints on studentaid.gov regarding this issue to no avail. This issue needs to be fixed forthwith. Please carefully review the attached documents.
Product: Credit reporting or other personal consumer reports

In accordance with the " FCRA '' ( XXXXXXXX XXXX ) ( account # XXXX ) has violated my rights 15 USC 1681 section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Mortgage

We refinanced our home through a mortgage broker. It was underwritten by a major institution ( XXXX XXXX ) but immediately sold to Fannie Mae and then to Seneca Mortgage Servicing, within a week. This place is a nightmare ; almost every online comment about them is maximally negative, but because they buy loans consumers have no choice about being stuck with them. 

1 ) They claim to have sent payment information in the mail but we do n't have it. They called my cell while I was at work, but were unwilling to send the information via email - they insisted I call them back. 

2 ) The biggest issue is that their contact number, XXXX XXXX XXXX, has a nonfunctional robot answering it. Regardless what one enters, it just restarts its instructions a couple of times and then hangs up. So I ca n't contact them to get the information I need to pay them.
Product: Debt collection

Comenity Bank/  XXXX   is attempting to collect a debt that  was discharged in a bankruptcy. I have tried on several attempts to get this matter r esolved. They just recently updated their tradeline on my credit report has a charge of stating that I owe  XXXX  as balance owing. The previous credit report stated o balance included in the bankruptcy and now they want to come back and still try to collect That negative remark caused my score to go down  XXXX !!!!! in which I was just denied for a home loan due to it. I will not pay for something that has  been discharged in  Bankruptcy and what they are doing is illegal and against FCRA I have proof which I will upload. This is causing me an extremely large amount of financial burden and I am still paying for something that is over with.
Product: Debt collection

they are trying to collect a debt I do not owe. and its a third party company.
Product: Checking or savings account

I placed {$40.00} on a cd on XXXX at SUNTRUST BANK 's branch office in XXXX, Fl. The lenght of the cd was 4 years with an annual interest rate of 2 % .On XXXX of XXXX, while i was waiting to get my money released, i found out the bank had changed from Suntrust to TRUIST BANK XXXX and unauthorizedly renewed my cd until XXXX, and changed the annual interest rate from 2 % to 0.01 % .Since i am not able to visit a branch office, I have called several times, getting no response from any of the customer service operators i have spoken to. I've sent e-mails, i have mailed documents to the addressesn provided for it, yet i have not received my money or any answer regarding this issue.
Product: Credit card or prepaid card

A payment was made for {$3300.00} to Chase Bank on X/XX/17 to be credited for X/XX/17 in error on an account that is closed. This payment was made thru bill pay. On X/XX/17 I was made aware the payment was never received. My wife made an inquiry thru bill pay and discovered her error in making payment to closed account. XXXX XXXX sent proof of payment and request for refund to merchant on X/XX/17.  Chase Bank requested proof of payment thru a transmittal report and provided a fax number. XXXX an outside party that handles XXXX XXXX bill pay submitted information requested from Chase on X/X/2017. They were requesting incorrect account number that money was sent to and the correct account number the payment should have been applied to.This information has been supplied from XXXX XXXX more than one time to Chase Bank. There have been numerous requests from XXXX XXXX in between these two dates to resolve this issue. There has been no help from Chase Bank to help me resolve this issue. I have had the account with Chase for a long time and I use the card on a weekly basis and always pay my bill in full each month. The due date on this card was X/XX/17. I have been sadly disappointed in the customer service and lack of concern that Chase Bank has shown me. The dollar amount is quite substantial to me and my credit score is of great concern also is getting this matter resolved. I realize the first mistake was ours but feel they have had ample time in reapplying payment to the correct account number which has been provided to them.
Product: Debt collection

I have made numerous dispute complaintns via credit bureaus to the company but it has been fruitless. having trying for XXXX XXXX XXXX oroginal creditor was SW CRDT SYS the date open they have it as XX/XX/XXXX but that is not correct they updated the date it was opened late XXXX begining XXXX the reason for the charges was a piece of equipment that is attached to the tv dish in the roof, they told me I need to go up in the roof and removed the parts with is in the center of the tv dish I told them I have back issues and cant expose myself like that and if they can send a technician to remove the part they told me they check but never heard anything from them anymore until it show up in my credit report in XX/XX/XXXX about a year and half later since then I wrote numerous dispute in the creedit bureaus to try and get it remove but they blocking me. 

ACCOUNT NUMBER XXXX HIGHEST BALANCE {$230.00} CREDITOR INFO SW CRDT SYS XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX LAST REPORTED XX/XX/XXXX ORIGINAL CREDITOR XXXX XXXX XXXX  RESPONSIBILITY Individual ACCOUNT DISPUTED No ACCOUNT CONDITION Derogatory REMARKS Account information disputed by consumer, meets FCRA requirements
Product: Credit reporting 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 Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXXXXXX XXXX Account NumberXXXX has violated my rights. Or a list of inquiries : 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 card or prepaid card

I am reporting identity theft : I noticed someone has made attempts to open a credit card account in my name XXXX XXXX XXXX XXXX XXXX  ) XX/XX/XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX  ( XXXX XXXX  XX/XX/XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX AND XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQUIFAX AND XXXX XXXX I will appreciate it if this complaint is forwarded to the 3 credit bureaus for these derogatory information and hard inquiries to be cleared from my account.
Product: Vehicle loan or lease

My husband lost his job and was out of work for a while. I'm under doctor 's care and unable to work. I called GM Financial to ask for a deferment, after the deferment I was still unable to make the car payment because we had gotten behind on other bills such as rent and utilities and had to apply for government assistance for food stamps. I called GM Financial on XX/XX/XXXX, I spoke with XXXX in acceleration department where they do the repossessions and her ID XXXX, XXXX told me that not only were they going to repossess my vehicle but that they were going to garnish my wages and garnish every single income tax refund that we get until the loan is paid off. I told her that in Texas that was against the law, she said it would happen anyway. I asked her if this is being recorded because she's incorrect and she said yes it is being recorded and we're going to repossess the vehicle.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to 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 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting acct, XXXX XXXX acct # XXXX violated my rights. 

15 U.S.C 1681 section 602A States I have the right to privacy.

15 U.S.C 1681 section 604A section states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have some unverified accounts showing on my credit report that do not belong to me. I have request a new copy of my credit report under FCRA. The following account I have not clue who these companies are and never done business with them request that all documentation be forwarded to me asap from the following : XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX US DEPT OF EDUCATION # XXXX US DEPT OF EDUCATION # XXXX MY NAME IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX , OH XXXX DOB XXXX SS XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was checking my credit report and I noticed a few inquiries on my credit that I did not authorize. I noticed the issues yesterday while checking my 3-bureau credit reports through XX/XX/XXXX. I also noticed an account that appears to have been paid off or dismissed, but it is not an account that I authorized to be open. 

Accounts : XXXX XXXX XXXX - acct # XXXX - date owned : XX/XX/XXXX Medical Business BureaXXXX acct # XXXX Date opened : XX/XX/XXXX Medical Business Burea- acct # XXXX Date opened : XX/XX/XXXX Inquiries : XXXX Retail Card XX/XX/XXXX XX/XX/XXXXXX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXXXX/XX/XXXXXXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXXXX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

Remove unauthorized hard inquiries : 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: Credit reporting or other personal consumer reports

Subject : Dispute and Request to Update Personal Information Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : 1. Name : My current legal name is [ XXXX XXXX ], but it is listed incorrectly on my credit report as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I request that my name be updated to reflect the correct information. 
2. Address : My current residential address is [ XXXX XXXX XXXX XXXX XXXX XXXX fl XXXX ], but my credit report shows an outdated address as [ XXXX XXXX XXXXXXXX XXXX XXXXXXXX, FL XXXX ]. I request that my current address be updated accordingly. 
3. Contact Information : The phone number listed on my credit report, [ XXXX ], is no longer in use. I request that my new phone number, [ XXXX ], be updated as my primary contact number. 
I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at [ XXXX ] or via email at [ XXXX ]. Thank you for your cooperation. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX 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 USC 6801 ( a ) : States I have protection of nonpublic personal information. 

15 USC 1681 ( a ) ( 4 ) : States I have the right to privacy.

15 USC 1681b ( a ) ( 2 ) : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1681c ( a ) ( 5 ) : States no consumer reporting agency may make any consumer report containing any of the following items of information and any other adverse item of information, other than records of convictions of crime which antedates the report by more than seven years. 

15 USC 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. 

Due to XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  character defamation, privacy violation, identity theft, identity fraud, deceptive and unfair trade. The request to block information is based on factual misrepresentation and not on material misrepresentation. The identified transactions are not information related to any transactions by me as the consumer. Delete Entire Account Due to Confirmed Fraud, Delete Account from Bureau Due to Fraud, Have Been Confirmed as Fraudulent Item Blocked for Inaccurate, Incomplete, or Can not be Verified by Negligently Violated 15 USC 1681 ( a ) ( 2 ), 15 USC 1681 ( a ) ( 4 ), 15 USC 1681a ( 2 ) ( A ) ( i ), 15 USC 1681a ( e ), 15 USC 1681b, 15 USC 1681b ( a ) ( 2 ), 15 USC 1681b ( 2 ), 15 USC 1681c ( a ) ( 5 ), 15 USC 1681c-1, 15 USC 1681c-2 , 15 USC 1681e ( b ), 15 USC 1681g ( 2 ) ( E ), 15 USC 1681i ( a ), 15 USC 1681i ( a ) ( 5 ), 15 USC 1681n ( a ), 15 USC 1681o ( a ), 15 USC 1681s-2 ( a ) ( 1 ), 15 USC 1681s-2 ( a ) ( B ), 15 USC 1681s-2 ( b ), 15 USC 1666B, 15 USC 1692c ( a ), 15 USC 1692c ( c ), 15 USC 1692e ( 8 ), 15 USC 1692g ( b ), 15 USC 6801 ( a ), and 15 USC 6802. 

I have not been supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presume that no proof for inaccurate, incomplete, fraudulent information or information can not be verified, in fact therefore exists. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. Executed on todays date.
Product: Mortgage

Inquired with Wells Fargo about possible deferment during COVID because of hours reduction. They went ahead and processed our question as a request and we could not make payments. I attempted to contact them about not being allowed to make payments, without appropriate replies. I finally just made 3 back to back payments to play catch up on our mortgage. I would like to refi shortly and this is a roadblock.
Product: Credit reporting or other personal consumer reports

I recently reviewed my credit report and noticed an account that was not reporting accurately. I had 1 late payment on an account that I was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report to this complaint on XX/XX/2024. Im requesting you investigate this account and update these payments to be paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I been trying to get Equifax To delete hard inquiry from my report with them, the rep say the inquiry was verified and I told her that cant be true I never tried to attain credit with any on the companys, I was in Bankruptcy and my lawyer told me not to apply for anything while in the program I tried 3x to get the inquiry remove with Equiifax she say she had sign paperwork I ask her to send me copies where I authorized them she then say call each consumer yourself to get them deleted help accounts including XXXX for {$1000.00} I sent letter showing what the company stated that the account will be deleted and they still wont take it off it report XX/XX/XXXX wasnt my account all the inquiry was done is not mines but XXXX XXXX XXXX XX/XX/XXXX I ask them to delete the rest they wont do anything to clear this up I ask for all addresses to be remove but one nothing help me please