23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

I have has an account with Navy FCU for over 20 years. I have never missed a single credit card payment and often pay hundreds if not thousands over the minimum payment. This month an automatic payment was made, at the time it actually coverd the 2 % of the balance as a minimum payment. However, NavyFCU, as you know from last year 's lawsuit, uses many illegal ways to make more money. They rebalanced the account prior to the payment posting and the payment was XXXX short. Instead of any notice, Navy FCU froze the account for only XXXX and 5 days past due ( only XXXX due ). They provided no notice, nothing, even after I have NEVER missed a payment. When I called the " Manager '' hung up on me and was extremely rude. Additionally, even after a payment, the refused to unlock the account. They claim the system is automatic and Navy FCU has no control over anything. As you know they have EXTREMELY aggressive systems in place to lock down accounts and do nothing to resolve it. I would ask that you investigate them again.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, XXXX reported to Experian that there were missed payments on XXXX of my student loan accounts starting in XX/XX/XXXX until XX/XX/XXXX. These accounts were then marked as consolidated/closed. As shown in the screenshots provided, these accounts were marked as current/on-time before and after these " missed payments ''. Additionally, all of my other accounts with XXXX remained in good standing during this same period of time. 

Without action, my accounts were put into deferment due to the federal relief program that was started in XXXX of XXXX. I never made any payments, agreed to any terms to repay, or was in contact at all with XXXX or any other federal student loan servicer during this time. All of my accounts remain in deferment under this same program today. 

On XX/XX/XXXX I spoke with Experian and XXXX to notify them of this error. Experian suggested that I open a dispute. On XX/XX/XXXX, Experian closed the dispute and stated that the account information is correct and no change needs to be made. 

When I spoke with the XXXX representative on XX/XX/XXXX, she agreed that this appears to be an error and advised me to wait until the Experian dispute is closed. 

On XX/XX/XXXX, I called XXXX to ask why they came to that resolution and the representative advised me that I must dispute this in writing with their credit department and could not offer much more assistance. I also asked for proof of payment history dating back to XXXX and she was unable to provide that information to me. 

Finally, XXXX has reported to XXXX and XXXX that these accounts were paid on-time and do not have any missed payments.
Product: Debt collection

XX/XX/XXXX the student loan was taken out for XXXX   school with my now deceased uncle was the main borrower/ co-signer. The loan was predatory with in-fluctuation in interest rate. President Obama and congress set up actions against the predatory student loans companies. I was not able to finish school and therefore it became into repayment. I asked for deferment or assistance. XXXXRBS Citizen Bank handled the the loan initially, they were unforgiving and I was asked to pay over {$500.00} a month. I was not able to afford and loan went into default and then charge-off status. I recently received a letter on XX/XX/XXXX in regards to attempt to collect over {$40000.00} with interest capitalization. Please assist with getting Citizens Bank to stop the attempt collect on student loan that I am not able to pay and my late uncle is no longer here to help. I received notification that Citizens Bank has filed to sue in my State. This loan is over 13 yrs old. I had not finished my XXXX degree. This is ridiculous and unfair. I have not received any notifications or letters from Citizens.
Product: Checking or savings account

I received a letter from Bank of America on XXXX XXXX, 2017 dated XXXX XXXX, 2017 that my checking account was going to be closed and that my Debit card would be inactive in 21 days, and closed in 30 days and that this was a business decision, no further information or explanation would be provided and the decision would not be reconsidered. I immediately went into the bank and presented the letter and the agent looked up my account and indicated that it was not schedule for closured and the letter should be disregarded. I used my debit card on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and the morning of XX/XX/XXXX without issue. Over the past week I have had several deposits made into this account and now I can not even transfer the money into my savings account so that I may access it. I attempted to use my debit card the afternoon of XX/XX/XXXX and my card was declined. I attempted to call the bank and it indicated that I no longer had a debit card or a checking account with Bank of America. I have had this account for over 12 years, and I have never had any irregular activity or overdrafts. I do not owe Bank of America any money and I have received no other communication about why the status of my account has changed. I called the number provided on the letter for questions, and the agent repeated about 12 times- this was a bank of america decision and the reason is that your agreement says we can close the account at any time and we do not have a reason to provide. I now have no access to my funds, and I can not pay my bills because I can not transfer it and all of my direct deposits go into this account and my automatic withdrawals come out of this account as well. I have been halted from doing business and pending transfers into this account are in limbo- this is beyond an inconvenience and has caused me to experience loss of business and public embarrassment.
Product: Credit reporting

someone applied for a lot of items in my name i contact Equifax Credit Bureau i sent them letters and they never respond back.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Reporting Dispute Department XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Subject : Dispute of Reporting Under 15 U.S.C. 1681o Dear Sir or Madam, I am writing to formally dispute an issue regarding my credit file with XXXX XXXX XXXX XXXX. Specifically, I believe there has been a willful noncompliance in your reporting of my account, as defined under 15 U.S. Code 1681o of the Fair Credit Reporting Act ( FCRA ). 

Details of the Dispute : 1. Account Name/Number : [ Your Account Name and/or Account Number with XXXX XXXX XXXX XXXX XXXX 2 . Description of the Inaccurate Information : [ Provide a clear, detailed description of the inaccurate or misleading information that has been reported, such as incorrect account balance, missed payments, dates, late fees, or any other discrepancies. ] 3. Date ( s ) of Occurrence : [ Provide the relevant dates or timeframe when the issue occurred or was noticed. ] I believe the information reported on my credit report is inaccurate and may have been reported in a manner inconsistent with the Fair Credit Reporting Act. As such, I respectfully request that XXXX XXXX XXXX XXXX conduct a thorough investigation into this matter, correct any inaccuracies, and provide written confirmation once this has been done. 

Under 15 U.S.C. 1681o, I understand that I am entitled to seek remedies for damages caused by willful noncompliance. Therefore, if your investigation confirms that the reported information was inaccurate or incomplete, I request that : 1. The inaccurate entry be corrected immediately in your records.

2. A notification of the correction be sent to the credit reporting agencies to ensure my credit report reflects the updated, accurate information. 

I would also appreciate a detailed explanation of any actions taken to correct my credit report and confirmation that all necessary corrections have been made to prevent future reporting errors. 

Please inform me of the outcome of your investigation within 30 days, as required by the FCRA. If I do not receive a satisfactory response or resolution, I may seek further legal remedies available to me under the Fair Credit Reporting Act. 

Thank you for your prompt attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX Enclosures : Copy of Credit Report with the Disputed Entry Highlighted
Product: Credit reporting or other personal consumer reports

I reviewed my credit report and noticed an account that was not reporting accurately I had 2 late payments on a account that was paid on time but consumer reporting agencies need to report all information with complete accuracy. This account has not been late on payments I also have attached a copy of myreport to this complaint as proof of my complaint on the following dates XX/XX/year> and XX/XX/year>. I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments if these records can not be verified I ask you kindly to update these payments to paid on time immediately. Thank you for your understanding and prompt action.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a identity theft affidavit to transunion. And they failed to remove accounts that are not mine and product of identity theft violating my rights under 15 U.S.C. 1681 ] and identity theft victim rights
Product: Debt collection

Looking at the documentation that was provided to me by both the credit collecting agency and the " Orginal debtor '', I have several concerns. The alleged receipts concerns me. ( I 'll refer to them from here on as " receipts '' but they are a list of charges with not explanation. I do n't believe they are valid receipts. ) The " Original '' receipt is just a list of charges with a signature from the manager at the time. When I contacted the debtor, it turns out that the original manager is not only no longer working there, but it was purchased by a new company. They have no idea what happened during that time at all. What 's more concerning is that other than my lease agreement, the only other " receipt '' is a copy of the original " receipt '' mentioned above with the words Make Adjustment written across it. That " receipt '' is also months older than the original. XXXX were signed by the same manager. It looks like XXXX receipts are invalid. More over, when I contacted them to better understand the charges, they could n't provide me with any information. They did not have any materials receipts or contractor receipts. There was also absolutely no proof that the work they are charging for was completed or who completed it. In fact, the only thing they could tell me what that I allegedly owed them money and they had " documentation ''. However, not only have they had that debt for more than a year, they did n't contact me about it and decided to give it to debt collection agency a month or XXXX ago. None of this makes any sense to me. I believe that what they are claiming is fraudulent and they are attempting to extort money from me. 
When I contacted the collection agency, I requested that they provide me with a debt verification consistent with Texas Law. ( As I currently reside in Texas ) They could not provide all the required information. Under Texas law, if they can not verify that the debt is mine as well as prove they hold a Texas surety bond within 30 days, they are required to delete my debit trade line from their system. Fidelity Creditor Service had refused to do so. I also brought up my concerns about the validity of the debt and Fidelity Creditor Service will not address it as it 's not in their interest to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

Rushmore Loan MGMT Ser and XXXX XXXX XXXX. My credit report is showing Rushmore Loan MGMT Ser and XXXX XXXX XXXX  XXXX both open XX/XX/. That information is incorrect.
Product: Credit reporting, credit repair services, or other personal consumer reports

the unauthorized use to report unauthorized hard inquires use of showing my SSN they didn't removed all closed account and all account that have been paid in full and all address etc on my credit report with my consent this put them violation of XXXX8 U.S. Code 1030 15 U.S. Code 1681 42 U.S. Code 408 15 U.S. Code 1681r 15 U.S. Code 1681g
Product: Credit card or prepaid card

My lawful and factual claim was close without merit or interruption based on expost-facto law. No interruption of terms occurring even after they were successfully prosecuted for use of excessive interest rates by their own Attorney General Office In Iowa, recently after my complaint. 

The MCL is on the books as a factual existing Law. The fact that their claim is after the fact is a matter of law. Contractually, whether I was aware of the law at the time of contracting ; the law existed. " Per Michigan statutory interest rate ceilings Part 1 Lenders subject to credit reform act '' in their factual existence are Criminal. 

Whereas, Sanction of the loss, or from the use, of interest will be barred for the use of interest barring contacts over 25 % and shall be imposed in a court of law. 

Giving me grounds for Suit for rescission and criminal usury if so needed. The reply was received in full details TODAY XX/XX/22. I claim to believe the current regulation MCL 438.41 in Michigan. I provided protects consumers. 

This is brutally affecting my credit score. Bringing it to a dangerous levels and I should have the all around protections of the bureau.
Product: Credit reporting or other personal consumer reports

Follow-Up on Complaint XXXX Violation of the Fair Credit Reporting Act ( FCRA ) by XXXX XXXX and TransUnion I previously submitted a formal complaint on XX/XX/XXXX, concerning the unauthorized and inaccurate reporting by XXXX XXXX on my credit report and the subsequent denial of my fraud block request by TransUnion. Despite my repeated requests, TransUnion has declined to take appropriate action, and the inaccurate information remains on my report. 

As outlined under 15 U.S. Code 1681c-2, consumer reporting agencies are required to block the reporting of fraudulent information within 4 business days of receiving a valid request. It has been over 30 days since my original notification on XX/XX/XXXXXXXX XXXX XXXX and both XXXX XXXX and TransUnion have failed to provide the necessary documentation to validate the alleged debt. 

Impact of Your Noncompliance : Due to your failure to address this issue, I have suffered damages, including but not limited to : Lower credit score : Leading to denials of credit or unfavorable financial terms.

Emotional distress : Resulting from the inaccurate information on my credit report.

Financial harm : Due to credit denials and higher interest rates.

I request the immediate removal of the inaccurate information from my credit report. If the information is not removed, I will be forced to pursue legal action to recover damages, including statutory and punitive damages, along with attorneys fees. 

Additionally, I invoke Estoppel by Silence, as neither XXXX XXXX nor TransUnion has provided the required evidence within the necessary timeframe. Failure to resolve this matter promptly will leave me no choice but to pursue legal remedies under 15 U.S. Code 1681n.

I look forward to your swift resolution.
Product: Mortgage

I have been trying in every way to make payments that Chase mortgage escalations supervisors requested I make by XX/XX/XXXX. 

I was in Chase mortgage lathrup village bank on XX/XX/XXXX submitting three payments but they refused to take as in complaint # XXXX I was assigned to XXXX XXXX in executive offices. on XXXX. I made three calls to her to no avail. Than called and complained that she was not available and was not returning calls by XXXX : XXXX that day as her voicemail cites her hours ended at XXXX XXXX. which compelled a return call. 
While working with her she made snide and caustic remarks such as, " Im sure YOU don't have the money do you ''. Nonetheless Owner pleaded to get the three payments in by XX/XX/XXXX as instructed by Chase. She declined. And said also, " I'ca n't imagine how much stress this must be for you ''. " But I can't tell you when this will be resolved. '' XXXX XXXX also spent time explaining why she was raising her voice when owner asked her why she was being so combative. 
She promised to call on Friday XX/XX/XXXX and did not. 
Owner felt forced to request new representative for aforementioned reasons. 

However On XX/XX/XXXX.when owner finally spoke to XXXX XXXX at XXXX because Manager XXXX never returned call to date. Owner requested to change representatives without slowing down the priocess. 
On XX/XX/XXXX XXXX XXXX called citing she was new representative and she would be starting fresh and had to pull same call recordings XXXX XXXX cited he would pull on XX/XX/XXXX. But more importantly she had been provided with wrong dates from XXXX XXXX. 
She was given correct dates. 
XXXX . XXXX -XXXX did not deny that XXXX XXXX documented a STOP foreclosure on XX/XX/XXXX as did XXXX XXXX XXXX and XXXX at executive offices confirmed and concurred on XX/XX/XXXX. XXXX XXXX also cited she was aware of consumers complaint & call from XXXX XXXX XXXX office. Further at exactly XXXX. XXXX XXXX stated, " This foreclosure should have never happened ". Owner asked the call to be escalated back to XXXX XXXX XXXX but she is out of office and told no other managers were available after brief holding time. Owner requested to be put in XXXX XXXX voicemail and that transfer disconnect call. 

This is outrageous Chase has had since XX/XX/XXXX to pull recording and further more it doesn't matter as Owner tried to submit more than the one payment initially requested by XX/XX/XXXX and make the maximum amount required by Chase on XX/XX/XXXX for four hours in their XXXX XXXX Mi office to no avail. 
This executive office has made no advance and is still passing on erroneous information not returning calls or has made no LEGITIMATE attempt to resolve this critical issue. This all appears a protracted way to obviously foreclose and or charge owner additional money to make it unacheivable. 
Please help!
Product: Debt collection

I attended XXXX University from XX/XX/XXXX through XX/XX/XXXX. I transferred in the XX/XX/XXXX and and graduated in XXXX from another University. Upon graduating my Federal XXXX Loan from XXXX entered the repayment period and I made the minimum payments. There came a period of economic hardship where I was looking for work and needed deferment/forbearance till I was able to earn so I could continue making payments. I informed XXXX University of my economic hardship status and inability to repay and need to enroll my Federal XXXX Loan into deferment/forbearance status. XXXX University said that the Federal XXXX Loan was not eligible for deferment/forbearance unless I consolidated my student loans. They denied my request for the 'deferment/forbearance request forms ' and continued negative reporting to the credit agencies. During the same time I went through my records and found emails from XXXX University confirming the adjustments of my Federal XXXX Loans balance to {$0.00}. I then contacted XXXX University and XXXX University 's XXXX and informed them I have emails from them confirming that my XXXX Loan Balance is {$0.00}. I disputed this with XXXX and XXXX asking them to validate the debt of {$1500.00} Federal XXXX Loan. In return they forwarded my Federal XXXX Loan to Williams & Fudge collection agency. Williams & Fudge has been charging obscene interest rates of over 50 % on the last balance of {$1200.00}. The balance is now {$1800.00}, when the interest rate on this Federal XXXX Loan is 5 %.
Product: Debt collection

Conserve sent me a letter claiming XXXX XXXX XXXX  filed with them over an alleged debt. The issue is I've been paying my debt through advantage, and paying above what my payment schedule requires. I returned the letter explaining this and never got a response so I assumed it was all settled. Now my credit has taken a hit despite my immaculate payment history.
Product: Credit card or prepaid card

On XXXX XXXX XXXX  I made an electronic payment to my Ollo card in the amount of {$520.00}. This would pay the card off in full. On XX/XX/XXXX Ollo debited my checking account in the amount of {$520.00}. The problem came in on XX/XX/XXXX, when they duplicated that debit leaving me a credit on my account of {$520.00} and my checking account was debited in the amount of {$520.00} XXXX separate times. I made an assumption that this was a mistake and would clear itself up, or that I would have access to the additional money through Ollo. I checked my account with Ollo and it showed that I have a credit on my account of {$520.00}. 

Here is the issue : On XX/XX/XXXX, I attempted to use the {$520.00} and was declined. I called the customer service department and they told me that it would take XXXX weeks to get the additional payment back, there was no way to expedite the refund or give me access to the money any sooner. I find this to be a deceptive practice since they made no attempt to refund the over payment until I called and complained. I also find this to be unfair since they have my money and are refusing to refund it in a timely manner. They already have had that money for 7 days, they are stating that it will be another 14 days to get it back. Finally this is abusive as had I known that they were not going to give me access to the funds, I would have made a request immediately to have the funds returned to me.
Product: Credit reporting or other personal consumer reports

My XXXX loan was charged off and my account was closed XXXX XXXX ( verified by finance company ) they XXXX  my XXXX  in XXXX, XXXX reopened my account then closed it in XXXX which made my credit history only XXXX or XXXX  months old. I did not give them permission to reopen my account. They are claiming the full finance/interest charge when that should have ceased to accrue when the charge off was submitted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX This request can not be processed online. XXXX maintains all of the name variations reported to us by your creditors so that you have a complete record of what has been reported. For your protection, names are typically not disputable online. Please contact us for more information at XXXX. 
XXXX Name ID Number XXXX Report Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX APARTMENT COMPLEX XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX SINGLE FAMILY XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCollection Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1900.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1900.00} Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusCollection account. {$1200.00} past due as of XX/XX/XXXX. 
Account TypeCollection Balance {$1200.00} Date OpenedXX/XX/XXXX Dispute Revolving Accountsshow tooltip button XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusPaid, Closed. 
Account TypeCredit card Balance- Date OpenedXX/XX/XXXX Dispute XXXX XXXX XXXX XXXX potentially negative icon Potentially Negative StatusClosed. {$160.00} past due as of XX/XX/XXXX. 
Account TypeCredit card Balance {$2400.00} Date OpenedXX/XX/XXXX Dispute
Product: Credit reporting or other personal consumer reports

found Inquiries that were not made by my self XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX