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

Hello, In XXXX, my Macy 's credit card was closed with a XXXX balance due to inactivity. Fast forward to XX/XX/XXXX, there was a default listed on the account for {$4.00}. This {$4.00} charge was not reported to me at any point within the timeframe of XXXX. There were also no defaults listed on any credit checks during those times when I purchased a car, or applied for other loans. 

I called Macy 's on four separate occasions to resolve this issue to no avail. Since the account was closed, they could not even locate me in the system. I was hung up on twice. The final time I called, Macy 's advised me that they would be " zeroing '' out the charge since it was so old. I asked them to not do that as I wanted this to be resolved correctly. 

I filed a credit bureau dispute with XXXX and when I received the findings, XXXX concluded that Macy 's was " reporting the information correctly ''. Funnily enough, Macy 's made changes on my report that show the date the delinquency was first reported was in XXXX. This date was *NOT* previously on the report. In other words, they are retroactively covering their tracks. 

I appealed the dispute and the XXXX representative understood my reasoning and added specific timelines and explanations to the appeal. I just received the appeal findings and the initial results remain.
Product: Credit card or prepaid card

The representative from Citibank provided me the wrong payoff amount and left {$1.00} on my credit report.This resulted me being 30 days late on my credit. I filed three complaints already my issues were never resolved.
Product: Money transfer, virtual currency, or money service

service and unfair practices, which violate the Consumer Financial Protection act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Funds transfer act ( EFTA ) and regulation E. These actions have caused significant financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

I checked my consumer report and seeing that this company had my name and collections. I am not familiarized with this company. I asked them to telephone conversation to remove the fraudulent information on my credit report because I am not aware of what theyre talking about and under 15 US C1692C Im asking for them to remove this off my credit file.
Product: Mortgage

So sadly my Father passed away. 

He had 3 account with SPS, all 3 are mortgages, they got wind of it and decided to stop his pandemic assistance on the loans. 

NOW they are making it extremely hard to get me added to the account, we have sent in the Death certificate as well as the will showing me as the successor, they will NOT add me to the account so I can reinstate the pandemic assistance. 

I feel like they WANT us to fall into default here.
Product: Credit reporting, credit repair services, or other personal consumer reports

please find attached the letter form XXXX XXXX, for the two inaccurate delinquencies. 
these two delinquencies they have already requested all three bureaus to have it removed all have removed except equifax, they are not helpful at all, i have provided the letter to them and also creditor has requested but they are not correcting and not helpful, please have this inaccuracies fixed on equifax thank you
Product: Credit reporting or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I ordered a new phone from XXXX XXXX XXXX on XX/XX/2019, but the phone never arrived. I had several phone calls with XXXX XXXX XXXX about this new phone which was supposedly being sent by XXXX. I also had a few lengthy chat sessions with XXXX XXXX XXXX about me NEVER receiving this phone ( see my chat transcript on XX/XX/2019 which I included as an attachment. ) Because the phone never arrived and I was " phone-less '', I was forced to leave XXXX XXXX XXXX and switch to another phone provider. When I left XXXX XXXX XXXX, I paid my final bill in full, with the exception of the new XXXX XXXX XXXX phone because it was never delivered by XXXX and I never received it.
Product: Student loan

I have a loan with XXXX XXXX XXXX. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX and XXXX XXXX XXXX with no successful resolution. XXXX only reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX-XX/XX/XXXX and XX/XX/XXXX.
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 were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with recent CFPB findings against Navy Federal for similar practices, were transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

According to the statements I have received, I have account shortage of around XXXX. After looking at the numbers, it seems that the calculations are off. If you look at page XXXX of XXXX on attached document, from XXXX 2016 to XXXX 2016, the payment of actual ending balance does n't change ... .now it does change for XXXX 2016 because they said they are assuming I will pay, but it does n't change for XXXX 2016. On my most recent statement, the same issue occurred and I do n't know how far back they back doing this
Product: Checking or savings account

I hired a service and the merchant charged me {$560.00} on XX/XX/XXXX. They did not complete their agreement and per our contract owed me a refund. I attempted to contact them multiple times with no success. I contacted the bank on XX/XX/XXXX and opened a claim. The merchant then reached out and agreed if I closed the claim they would refund. I did so on XX/XX/XXXX and the merchant never refunded me and has no completely ignored me. I have contacted the bank 8 times regarding this and they have advised me the merchant received the money back they took out of my account but will not re-open a claim. This claim was not settled and this is my money. Chase Bank has refused to rectify by opening the claim that was not settled.
Product: Credit reporting, credit repair services, or other personal consumer reports

My car lease ended in XX/XX/2020 and the balance was paid in full. Now in my credit report it shows that there is a pending balance and i am past due affecting my credit report. i spoke with XXXX XXXX and they said that there is no pending balance and the account was close and paid in full. However, Experian report said that i am late. I started a dispute two weeks ago but they are saying that they have 30 days to fix. my credit went down and other creditors ( credit cards ) started taking actions. Last week i received a letter from a Matercard ( a card that i had ) closing my card, because I have late payments. The same situation is happening with XXXX XXXX, I had a loan that was paid in full two weeks ago and they are reporting that the loan is late and affecting my credit. 
In addiition, Experian is sending emails advertising the Experian Boost and other application to fix your credit by paying a fee and asking for a credit card to fix these problems. 
My death at this point is less than 15 % and nothing has been update, the only thing that they update is your score is going down. 
They continue bringing down my credit score by those situations. 
Please assist to escalate with this company to maintain an accurate information and the responsibility to fix and correct a problem. If they decrease the credit score by certain amount of points, because an incorrect information the point that they took they need to be back. 
A credit score is affecting my life, my loans, my mortgage. 

Thank you for looking into this, they can't continue acting only as a library. this is how the Account manager from Experian described the company. no responsibility if they make a mistake. Only focus how to make money and use your information ...
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/XXXX, initiated settlement on a equity loan account ( House in lien for this account was foreclosed on XXXX ) with PNC Bank thru PNC loss and mitigation ( LM ). 
As of XX/XX/XXXX, all application and documents were filed. It was confirmed by LM and confirmed that the account will be stopped and closed. 
As of XX/XX/XXXX, settlement offer was received from PNC. All payment was made as of XX/XX/XXXX and on XX/XX/XXXX, received official letter from bank on receipt of payment and settlement in full with bank ( document available ). 

However, on my credit report from all three credit bureaus were showing as from XXXX XXXX to XXXX. XXXX as " Late Payment '' and from XXXX to XX/XX/XXXX as " Charge Off ''. 

I tried first to talk to bank on this wrong credit report, but they would just keep transferring me to different departments, not willing to work with me. 

Then, I filed dispute this first thru XXXX and XXXX corrected all these incorrect information after reviewing my dispute and filed documents. 
Afterwards, I filed dispute with XXXX, but XXXX agent is saying even though all information is clearly showing it was incorrect, they need to keep it because that is what the bank says it is. I haven't received any results from XXXX, yet.
Product: Mortgage

I have paid on my mortgage for XXXX yrs without issues. I never had an escrow account. I owe $ XXXX on my loan. My home is worth over $ XXXX. Freedom Mortgage bank paid my property taxes for XXXX in XXXX of XXXX. I was going to pay them late in XXXX. The bank placed me on escrow stating they were protecting my home from XXXX XXXX having XXXX on my home. In the XXXX this is the first time in escrow. They refuse to release me from escrow. I had refinanced with XXXX XXXX XXXX, no longer in business, then XXXX XXXX  who bought the loan, then XXXX XXXX and now XXXX XXXX. I was told that there was a stipulation in my original loan that stated if I defaulted in paying property taxes, I would be placed on escrow. I never signed a contract with the banks that took over my loan. I paid my property taxes for XXXX. XXXX XXXX  submitted payment that was not cashed and they stated they are waiting on their refund check from XXXX XXXX. They already verified their payment not cash. Meanwhile Im having to pay {$2300.00} so I wont default on my loan. I am retired and on fixed income, over XXXX old. I will now be able to pay property taxes without interest on XXXX equal payents. I am currently paying XXXX times what I normally pay on my mortgage. My mortgage is {$810.00} but now being charged {$2300.00} a month. What this bank is doing is wrong.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an email from XXXX XXXXXXXX and XXXX letting me know that a new Hard Inquiry had been placed on my credit. After looking into this, I saw that a Hard Inquiry had been placed by Bank of America which I did not authorize. Later on in the day I had an unauthorized charge try to go through on my cash card which was not able to go through due to the person trying to use it not having the correct expiration date. I believe that my personal information has been stolen and someone is trying to use it without my knowledge or consent.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to REMOVE any items listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XXXX : {$1000.00} XXXXXXXX XXXX XXXXXXXX. XXXX Balance : - XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$2900.00} XXXX XXXX XXXX Balance : {$1000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had fraud on my account many years ago. I was a victim of identity theft. Transunion no longer allows me online access to my account. FOREVER. The other agencies ( XXXX XXXX ) froze my account until the fraud was resolved then allowed online access again, not Transunion. They said they are protecting my information but in fact, are making me a victim again. They are limiting my access to my own information. And here is the worst part, I can still access the account by calling them, so they are not protecting the information any better by locking me out of online access. What they are doing is requiring me to sit on hold and punch codes and wait and take 30 minutes to do what I could have done online in minutes.
Product: Debt collection

I was checking my credit report when I notice XXXX in resurgent was on my credit report. I never had a account with them and I would like to get this totally deleted and removed from my credit reports.
Product: Checking or savings account

A checking account with Capital One was opened in my name that I did not open. I was able to get it closed bit they had all of my valid info such as SSN, DOB, address, etc. I also found some disturbing info in their disclosures. It states : " However, were not required to confirm any instruction that looks like it was made by you, and we wont be liable if we dont contact you. Were also not required to confirm the actual identity or authority of anyone who uses your Password or a personal identification number ( " PIN '' ) or any account access device we gave you ( like the Card ) ( collectively, " E-Identification '' ) ''
Product: Debt collection

I disputed this account that I have no knowledge of with XXXX and the dispute came back as accurate and my case was closed. I never opened this account and have no knowledge of it. I have attached a police report
Product: Checking or savings account

On Saturday XX/XX/2023 at around XXXX EST I deposited {$1000.00} cash ( XXXXXXXX XXXX XXXX ) into the Huntington ATM located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. I was told that there was a problem processing my deposit and to take the cash back first then my card. The machine did not dispense the cash instead telling me to take my card and that the machine was no longer accepting deposits. I immediately called the number on the ATM to file a missing deposit report which they told me they had submitted, I called back today to check almost a week later and there is no update on the claim I filed. The money has yet to be credited to my account and Huntington is dragging their feet with this issue. Any help would be greatly appreciated!
Product: Credit reporting or other personal consumer reports

Upon me reveiwing my credit reports i noticed that XXXX accounts namely XXXX XXXX XXXX ACCOUNTS AND XXXX XXXX XXXX
Product: Mortgage

I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program The Department of Veterans Affairs informed me that its Veterans Affairs Servicing Purchase ( VASP ) program was released on May 31, 2024. 

The Veterans Affairs Servicing Purchase ( VASP ) program would allow me to refinance my home with a substantially lower interest rate and be able to stay in my home and avoid homelessness. On XX/XX/year>, I requested referral to the Veterans Affairs Servicing Purchase ( VASP ) program and Veterans UnitedXXXX XXXX XXXX informed me that the program wouldnt be available until XX/XX/year>. On XX/XX/year>, Veterans UnitedXXXX XXXX XXXX XXXX called me and said that the VASP program would not be available to request until XX/XX/year>. They seem to be purposefully stalling my request for assistance from the VA guaranteed home loan benefits by kicking the can down the road and plan to foreclose on my home loan thereby ensuring that XXXX be homeless. 

On XX/XX/year>, I rejected the loan modification offer from Veterans United Home Loans/ XXXX XXXX Loans because it increased my interest rate to 7.5 % with an increased payment to {$4100.00} per month. Also, I informed the VA loan specialist about this loan modification. In my original mortgage loan, I was paying {$3500.00} per month with an interest rate of only 5.5 %. Veterans United Home Loans / XXXX XXXX claims that theyre trying to help me; but it appears that they do not want to refinance the loan to a helpful and reasonable interest rate and monthly payment. More over, it appears Veterans United Home Loans / XXXX XXXX just wants to take my home and not provide me the beneficial opportunity to refinance at a reasonably helpful interest rate and monthly payment. And, Veterans United Home Loans/ XXXX XXXX does not want to refer me to the VAs VASP initiative so that I could get a greatly less interest rate with a lot lower monthly mortgage payment.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I mailed my first Notice of Dispute/Request for Information ( with supporting documentation ) to Experian to request information pertaining to multiple impermissible purpose soft inquiries on my Experian Consumer Credit Report. 

Experian refused to respond to my first Notice of Dispute/Request for Information. 

On XX/XX/2022, I mailed my second Notice of Dispute/Request for Information ( with supporting documentation ) to Experian to request information pertaining to multiple impermissible purpose soft inquiries on my Experian Consumer Credit Report. 

Experian refused to respond to my second Notice of Dispute/Request for Information. 

On XX/XX/2022, I mailed via USPS Certified Mail ( tracking number XXXX ) my third Notice of Dispute/Request for Information/Method of Investigation ( with supporting documentation ) to Experian to request information pertaining to multiple impermissible purpose soft inquiries on my Experian Consumer Credit Report ( with additional supporting documentation ). The 15-day statutory deadline for Experian to respond was XX/XX/2022. 

Experian refused to respond to my third Notice of Dispute/Request for Information/Method of Investigation Request .
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a dispute to all three credit reporting agency and the results are as follow XXXX- the dispute was open on XX/XX/XXXX they responded saying that they update the account to reflecting a new date of XX/XX/XXXX which is the reason I filed dispute in the first place they are re-aging the account XXXX XXXX the account as of XX/XX/XXXX which was original closed in XXXX of XXXX how could they reopen account that was reported closed and charged off by the original creditor. 

XXXX is also re-aging the account reflecting that the account is opened as of XX/XX/XXXX All three companies are violating my rights with re-aging this account in which I did get a response from the original creditor XXXX XXXX XXXX which does not show where they sent any info to these credit reporting companies to re-age accounts. 
I don't think that these companies did an accurate job in investigating this dispute they never sent me anything about how the investigated or what process they used to investigate.
Product: Credit reporting or other personal consumer reports

Equifax, XXXX and XXXX are reporting different dates on the last payment made on the XXXX XXXXXXXX card of the closed accounts. 
XXXX shows the last transaction as of XXXX XXXX. 
Equifax states last payment was made on XX/XX/XXXX. 
XXXX reports a complete different date, experian reports last payment was made XXXX of XXXX. Please correct the inaccuracies or delete the account. 
Thank you
Product: Credit card

I am trying to make my first payment on a TD Retail Card Services account for XXXX. I evidently have two accounts. One ends in XXXX, the other one is XXXX. I only have access to the one account without the purchase and not the other. I have call logs showing long wait times for their customer service number. My payment is due today, XXXX XXXX XXXX. As of now I have the funds in my checking account to make a payment. It seems the only way TD will contact me is after my account goes delinquent from non-payment, which will affect my credit score.
Product: Debt collection

Financial Credit Network has purchased  every fraudulent collection account that was previously on my credit report  and reopened them and are attempting to collect on these accounts which are not mine.COLLECTIONSFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpened XX/XX/XXXX+$XXXXOriginal creditor: XXXX XXXX XXXX XXXXFin Cr NetwkOpenedXX/XX/XXXX-$XXXXOriginal creditor: XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Previously I have stated that I am as a consumer has been abused by a company called XXXX XXXX XXXX. The alleged charge off account on my credit report ( XXXX XXXX/XXXX ) is ruining my reputation and cause me to stress and lose my job. I request Equifax to remove it off my credit report but all they did was sending me back a statement of this account. Equifax is not helping me removing this alleged charge off account, they are not solving my issue when the creditor is violating under the FCRA laws.
Product: Student loan

Today is XX/XX/XXXX. I have been waiting since XX/XX/XXXX for Mohela to process an electronically submitted XXXX XXXX XXXX form for my last payment. 

In the meantime, Mohela has decided to mark my loan as XXXX in spite of : XXXX. My loan would be forgiven by now if they would just process my XXXX XXXX certification XXXX. My loan is not in repayment according to the account update posted on my log-in page. Screenshot of this provided I suspect that Mohela is charging the XXXX for each month that a loan is open and this is a way for them to make more money fraudulently.