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

NOTICE TO AGENT TIS NOTICE TO PRINCIPAL AND NOTICE TO PRINCIPAL IS NOTICE TO AGENT. 

In pursuant to 15 usc 1666 ( 3 ) ( i ) ( 3 ) sets forth the reasons for the obligors belief ( to the extent applicable ) that the statement contains a billing error, the creditor shall, unless the obligor has, after giving such written notice and before the expiration of the time limits herein specified, agreed that the statement was correct ( A ) not later than thirty days after the receipt of the notice, send a written acknowledgment thereof to the obligor, unless the action required in subparagraph ( B ) is taken within such thirty-day period, and ( B ) not later than two complete billing cycles of the creditor ( in no event later than ninety days ) after the receipt of the notice and prior to taking any action to collect the amount, or any part thereof, indicated by the obligor under paragraph ( 2 ) either ( i ) make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor under paragraph ( 2 ) and, if any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or I do not agree with the statement that has been reported on my consumer report without my consent, show me the documents that I gave them permission to report anything on my consumer report, further more they have infringed upon my rights to privacy. Due to the fact of them reporting inaccurate information on my consume report this has stopped me from being able to leverage my consumer report to acquire my everyday living and a new car pursuant to 15 usc 1681 ( a ) the banking system is depended upon fair and accurate reporting, furthermore you have infringed upon my right to privacy later stated within the congressional findings of the FCRA. 

I feel as the misuse of my credit is taking place because I am apart of a tribe and indigenous, they are discriminating me by reporting inaccurate information. Once again I demand that they provide me with the written communication in where I gave them the right to report these late payments, I demand deletion at once with these late payments reported on my consumer report. Credit is the right granted by me the creditor and with the deceptive and unfair practices they have affected me from exercising my rights and acquiring lines of credit. I Demand that they send the consumer file to the address below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Product: Checking or savings account

On Friday XX/XX/XXXX, I was scammed by someone I thought was an employee of XXXX. I was on the phone attempting to reverse a charge. They had me download an app called " XXXX XXXX '' where they were going to " verify '' my charge. I started to get suspicious and the person hung up on me. I then called my bank, Wells Fargo, and explained what was happening. They closed both my checking and savings and opened new accounts for me. Over XXXX was taken from my account. Wells Fargo was " investigating '' a {$500.00} XXXX charge that the scammer sent while inside my banking information. 

I was in the middle of a move from XXXX XXXX to XXXX XXXX I had no debit card. I had no access any of the funds I lost. If not for my fb friends, I would have had no money to move with. 

Today after calling Wells Fargo, I heard that my claim was denied. If this wasn't fraud, then why did the first employee I talked to close both my accounts? Why am I being penalized by not getting my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I appreciate your time to have some of the fraudulent accounts and information removed from my Credit File but upon further inspection of my Credit File. I noticed that there are a lot of fraudulent items that still remain. In accordance with the Fair Credit Reporting Act section 605b, you are required to remove the fraudulent accounts and information you report on my Credit File. Please comply with the Fair Credit Reporting Act section 605b, and haver the remaining items removed from my Credit File File as soon as possible ; XXXX  XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00}. I am submitting this CFPB Complaint to request that you remove the fraudulent accounts and information off of my Credit File as soon as possible. As much as I appreciate the deletion and action you have taken, the remaining items should have also been removed from my Credit File.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX inquiry date XXXX I did not apply for this inquiry Resident Verify  XX/XX/XXXX I did not apply for this inquiry XXXX/ XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. It has been a battle going through this and I am submitting this CFPB complaint to delete the fraudulent information from my file. The item I need deleted is listed in the report. I am a victim of identity theft and did not make the charge nor account. I ask that the item be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Report and the Police Report which I have filed in my local Police Department. I offer my testimony herein that I have not authorized or given anyone access to my private and confidential records and certainly not the alleged information showing on my credit report. I have read that the Credit Bureaus are required to remove any account and information that resulted to identity theft. By submitting this complaint, I am looking forward for the removal of the disputed XXXX XXXX XXXX
Product: Mortgage

I took out a construction loan to be converted into fixed rate mortgage loan in XXXX XXXX. In XXXX XXXX, I received a letter from Washington Federal that my mortgage rate will be a fixed at 4.875 % for 30 years with a 1 % pre-payment penalty provision prior to XXXX XXXX. I sent them a letter explaining that I was offered, in open market, a 30-year-fixed-rate of 3.75 % -- and with XXXX-fees-or-costs. 
When I signed the initial papers in XX/XX/XXXX I was told that the bank would be able to match market-rates for fixed-rate-mortgage in the future. But the bank refused to match the new rate, despite their initial verbal promises. I was left with a choice of paying nearly 1 % higher rate to Washington Federal for next 30 years to save the 1 % penalty, or paying 1 % penalty and saving 1 % yearly for next XXXX years, by refinancing elsewhere. The decision had to be immediate because the rates can change rapidly. 
I had to pay 1 % penalty to Washington Federal to get a 1 % lower fixed-rate for XXXX years. This was completely unnecessary if they had followed through on their initial promise that they would match market rates for fixed rate mortgage to avoid refinancing.
Product: Bank account or service

I use BB & T for a supplemental checking account. The auto deposits from multiple companies I wrote insurance products for caused me keep the account open. I have about XXXX transactions on the account per month. An annual review and reconciliation of the account works for me. When I infrequently looked at my statements I would note XXXX charges for {$7.00} per month. These charges are for interfacing with XXXX software. However I do not need or use XXXX to keep up with the minimal accounting requirements of this account. Everytime I noted the charges I would go to a branch to complain and they would refund only a few months worth of charges. In XX/XX/2016, I spent an hour with BB & T on the phone, flagging my account to never get charged for XXXX again. I never authorized these charges and have never downloaded anything from the bank to XXXX. I have paid hundreds of dollars in XXXX fees for nothing in return. In XX/XX/XXXX I discovered that I had been charged monthly since XX/XX/2016 when the account was changed by BB & T. I complained on-line and BB & T sent me a letter telling me I had logged into their system and gave two times where they said I had logged in. One time was when I was in church and the other was when I was at work. XXXX and BB & T were not, could not, have been accessed by me at these times. Nevertheless, the bank used these false log-in times as justification for not refunding the fees. I am in the process of fighting the denial. The BB & T employee who wrote me did not supply a direct dial or email and I have invested time telling my story and having more investigation only to be told the letter writing employee was the only one who could help me. I have to call again on the next business day as the employee is out of the office.
Product: Debt collection

Dear cfpb Today I contacted Chase Bank again, and this shameless bank, despite clear evidence, has embezzled {$680.00} under the pretext of a merchant rebill and demanded repayment. 

The items I purchased on XXXX in XXXX were out of stock, so the orders were canceled, and the merchant refunded the money. However, despite multiple attempts to have my balance adjusted after the refund appeared on my credit card, the bank refused to cooperate, insisting on embezzling this amount. 

Today, when I contacted them again, they shamelessly cited the merchant rebill as the reason for not adjusting my balance. This disgraceful behavior by the bank warrants legal action, and I urge authorities to supervise. 

The merchant has already refunded the money without shipping any goods. It is now Chase Bank that is embezzling this amount and shamelessly fabricating various lies! 

Thank you for your attention, and I appreciate the oversight by the authorities. 

XXXX
Product: Student loan

I have been paying Sallie Mae, now XXXX, for over 16 years, and still " owe '' them XXXX, which I do n't believe is true. This portion of the loan is acquired interest and fees. When I first got the loan, I was a single parent, receiving help from no one, and having trouble paying any bills. However, I did keep a payment going with Sallie Mae as much as possible. This loan has been going on for too long, and I know I have payed it, probably twice. I am getting old and trying too save for retirement, I 've no family to help me out, and am going to have to rely on government for everything, which I have never done, even when I could have. I think Sallie Mae has taken more than their share of my money ... .I asked them please to put any extra dollars to interest, but they never did, as far as I can tell. I do not want to give XXXX any more money. 
Kind regards, XXXX
Product: Credit reporting or other personal consumer reports

My Credit report has inaccurate balance of debt owed. They closed the account and used their in house collections agency and did not provide me with any written form about the debt. I requested a debt verification letter/credit card service agreements and have not received anything.
Product: Student loan

I am so confused about the status of my student loans and its balance as of today. On XX/XX/2023, I received the attached response from Nelnet after disputing its current balance. 

I am particularly confused about the 4th paragraph from the bottom ( highlighted with a yellow box ). 

Does this mean that Nelnet or the US dept. of Education has not finished with the process of discharging my loans? 

I also need to know if loans numbers XXXX and XXXX are all loans from other schools either than XXXXXXXX XXXX i.e. are they mostly from my XXXX schools attended.
Product: Checking or savings account

PNC bank has overcharged my account negative countless times now, and they continue to send me things in the mail about my account being overdrawn and Ive been asking them to close my account for 6+ months and they refuse to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing a complaint against XXXX and Experian Credit Reporting Company. I have contacted them on multiple occasions and a quick fix is done, but it reverts back to either reporting another persons information or not at all. Specifically with XXXX, after removing again someones information they state had a name similar to mine but a different social security number now approximately 2 months ago, XXXX has decided to completely stop report my credit score completely. Because if they actions as stated above I have been denied credit and charged higher interest rates. 

I have been denied credit and have paid higher interest fees because of their misreporting and may take legal action if it is not remedied immediately. 

Include a copy of your drivers license, social security card, proof of address, and the attached screenshot. 

Please let me know if you have any questions. 

Highest Regards, XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

Our home was impacted by Hurricane Beryl in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX signed a Major Disaster Declaration XXXX for those in XXXX counties, including XXXX XXXX where my home is located. As a result, my home loan, as a federally backed mortgage, is subject to the forbearance protections which the XXXX administration passed in the wake of this federal disaster. 

As soon as we were able, still in the month of XXXX, we contacted our mortgage lender, US Bank to let them know we had been financially impacted by Hurricane Beryl. Their website advertised that they had assistance options for those affected by natural disasters. We were advised that we could be placed on a disaster forbearance. We were asked to complete a mortgage assistance application, which we did. Additionally, US Bank asked us for other supporting documents like our paystubs, which we provided. This process went on for 3 months. We initiated communication with US Bank continuously throughout this period with no updates. In every communication with US Bank, it was stated that the reason for the hardship was due to the federal natural disaster experienced on XX/XX/XXXX. This was also communicated on the written mortgage assistance application submitted electronically to US Bank on XX/XX/XXXX. Also during this period, we made XXXX payments on our mortgage as we did not want to fall too far behind. On XX/XX/XXXX, US Bank called us and advised that we had been put on a repayment plan that is to run from XX/XX/XXXX- XX/XX/XXXX with a monthly payment of over $ XXXX. We can not afford this. We questioned why we had not been offered some of the noted disaster assistance options outlined on the XXXX XXXX website. Our loan is backed by XXXX XXXX. 

Additionally, US Bank is continuing to assess late fees and recently reported us to the XXXX major credit bureaus causing mine and my husband 's credit scores to drop by over XXXX points.
Product: Mortgage

I have been sending my payments to Shellpoint Mortgage directly from my bank ( XXXX ). My bank shows that it was delivered with a reference number, but Shellpoint is not posting to my account, and I keep getting collections calls, and my credit has dropped over 122 points. I have sent them proof of payment, but I get no response. Every time I call I get a circular message, I leave my number for a call back and I don't get a response. I sent XXXX, XXXX, and XXXX of 2020 and they are not posting. I am stopping the automatic payments until I get the previous ones posted. This is not right and an abuse of my character and credit score. What can I do?
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to remove these erroneous accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. These were already included in my prior complaint and I'm including them again. 

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I called the number US Bank gave to me on XX/XX/XXXX. On XX/XX/XXXX ( my statement due date ), they were closed. I called XXXX times on XX/XX/XXXX the recording stated they had an interuption in service. Finally on XX/XX/XXXX I reached someone, XXXX. 

I inquired why my account was still closed even though I had brought my account current for some months now. She proceeded to tell me that my account was past due. I told her she was mistaken and asked to talk with a supervisor. I spoke with XXXX and he confirmed my account was current. 

Then I inquired why my account was still closed. I had entered a Covid hardship program in XXXX of XXXX and been paying XXXX XXXX monthly to bring my account current. I was told when I entered the program I was told that after my account was brought current it would be reopened. 

I was informed that my account could not be reopened, with no other explanation or options. 

Still being affected by the Pandemic, I then asked to be replaced on another hardship program based on what three similar credit card accounts had done for me.. 
Pay 1 % of the current outstanding balance with no late fees or late payment charges and a lower interest rate. This would have been XXXX XXXX monthly. 

I was informed this could not be done so I was left with no option other than to dispute the account closing until a new hardship payment plan could be reached. 
That is why I filed this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

Synchrony Bank/TJ Maxx is reporting a 30 day late XX/XX/20 & XX/XX/20. Unfortunately due to the unforeseen events surround the Covid 19 pandemic I was financially impacted. I have been a very loyal customer and have never been late before or after. This was just something that really affected my life as I got XXXX and it took me a while to financially recover. I also found out under the CARE act and the federal mandate creditors are not allowed to file late notations on credit during this pandemic. I ask you please remove these lates from my file.
Product: Debt collection

REPORTING NEGATIVE ON MY CREDIT REPORT MEAN WHILE I WAS NOT MADE AWARE OF THIS CHARGE AND HOW IT CAN AFFECT MY CREDIT AND MYSELF IM AWARE SECTION 609 REQUIRES YOU TO HAVE PROOF OF OWNERSHIP, DID NOT SEND ME ANY DOCUMENTATION BEARING MY SIGNATURE FOR THIS ALLEGED DEBT OR ACCOUNT INACCURATE DATE OPENED XXXX  STATES DATE OPENED XX/XX/XXXX XXXX  AND XXXX  STATES DATE OPENED XX/XX/XXXX INACCURATE LAST REPORTED DATE XXXX  & XXXX  STATE XX/XX/XXXX WHILE XXXX  STATES LAST REPORTED XX/XX/XXXX INACCURATE DATE LAST ACTIVE ON ALL 3 CREDIT BUREAUS XXXX  STATES LAST ACTIVE XX/XX/XXXX XXXX  STATES LAST ACTIVE XX/XX/XXXX XXXX  STATES LAST ACTIVE XX/XX/XXXX THIS ACCOUNT IS INACCURATE AND IT IS NOT UNDER FCRA COMPLIANCE
Product: Credit reporting, credit repair services, or other personal consumer reports

This is a complaint against TD AUTO FINANCE. The reason why I am writing this complaint is because on my XXXX, XXXX, and XXXX credit report on XX/XX/2019. This enquiry was not authorized by me, this was done under fraud. I will brief, I am victim of identity theft and in this complaint I will submit all the documents necessary to verify that this enquiry was not done by my person. For the past couple years i have been victim of identity theft, and these false enquiries have been popping up on my credit report. When this specific enquiry happened I wasn't even in the U.S. when this happened. I am bringing this to the attention of the CFPB because when I tried to requested directly with the credit agencies and their response was that I had to do it directly with the companies that I asked them from. The most alarming thing is that hopefully no fraudulent accounts were open.
Product: Debt collection

I have disputed this debt multiple times and they say the information is correct and validated. I did not have service with XXXX XXXX during the dates indicated nor do I have XXXXXXXX XXXX XXXX
Product: Student loan

Five years ago, my husband and I applied for the Forgiveness program through Navient for our student loans. We were told at that time that if we make 120 consecutive payments that the balance would be forgiven. Four years into the program, we called to check and make sure we were on the right track because we were going to retire and planned that this loan would be payed off after 120 payments. Upon that call, they informed us that we were not on that program and were given misinformation and that it would take 25 years to pay off our loan. Well after we retire. We would have done something else five years ago if they had not given us misinformation.
Product: Debt collection

After I had sent a letter to Sunrise Credit Services asking them to verify any alleged debt with proper proof of documentation, the collection company refused to respond, made repeated dropped calls to my phone, and left blank voicemail messages.
Product: Credit reporting or other personal consumer reports

To whom it May concern I hope this letter finds you well. I am writing to kindly request your consideration regarding a 30-Day late payment recorded on my account during the month XXXX and XX/XX/2022. I acknowledge and deeply regret this incident and wish to address it proactively. 
As a loyal and committed customer of XXXX XXXX, I would like to highlight my exemplary track record of timely payments in the past. This late payment in was an isolate event and does not reflect my financial commitment. I sincerely apologize for any inconvenience it may have caused. 
I eamestly request your kindness and consideration to remove this late payment from my payment history. I greatly appreciate your understanding and support in this matter. I provide below the details of my account for your reference : XXXX XXXX XXXX  Account # XXXX As an additional measure. I commit to setting reminders and preventive measures to avoid similar situations in the future. I am deeply committed to maintaining a trusted relationship with XXXX XXXX and take responsibility for ensuring my payments are made in a timely manner. 
I sincerely appreciate your attention and consideration toward my request. I look forward to a favorable resolution and continuing to enjoy the services and benefits that XXXX XXXX provides to its valued customers. 
Thank you. 
Sincerely.
Product: Credit reporting or other personal consumer reports

I'm a victim of identity Theft. My information has been exposed in the Equifax data breach. The following inquiries are not affiliated with me nor are they authorized by me and I would like them to remove this from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX