23daVinci/CFPB_Complaints huggingface dataset:
Product: Student loan

My legal first name has been updated on all identification and financial documents, aside from my XXXX loans held by EdFinancial. I have submitted requests for my first name to be updated along with all supporting documents of legal name change for over a year now and the change has yet to be made. I have an email to EdFinancial dated XX/XX/2022 requesting a timeframe for this update to be made as well as their response stating it will take 7-10 business days.

In the XXXX days since this email, my loans or correspondence related to my loans have yet to be updated to show my legal first name. In the over 600 days since my initial request, I have submitted additional requests via EdFinancial 's " inbox/upload documents portal '', called their customer service line, emailed their customer service line, and attempted online chat numerous times to no avail. 

In my most recent email requesting attention be paid to this issue, I was told that it would take an unknown period of time to resolve. 

I am a transgender individual and I want to emphasize how degrading it is to be made to pay a bill to EdFinancial every month using a name that is no longer accurate ( or legal ). My requests are continually ignored. They have no support for individuals like myself who are simply asking for the most basic respect of being called the correct name.
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter to XXXX on XX/XX/2022. Its been well over 30 days, i still havent received anything back. 

According to 15 USC 1681i ( a ) 1 ( A ) Experian, XXXX, and XXXX, have 30 days to respond to my dispute This is a violation of my rights.
Product: Money transfer, virtual currency, or money service

I was sending Ethereum via my wallet on Coinbase, XXXX XX/XX/2018. After a few failed attempts on verifying my ID to accelerate my transaction as it was time sensitive, my account was locked without prior notice. A ticket has been sent but to no avail. I have tried reaching out on social media platforms including their emails to also no avail.
Product: Checking or savings account

This company let someone over draw my account and expect me to pay. I asked them to dispute the charges and closed the account they told me that unless the balance is paid i can't closed the account. i have did a police report even called and chatted with someone and they offer no solution to this account and unknown credit card that i didn't apply for. This company owed me {$780.00} dollars for a previous account that they closed but the money mysterious disappeared and they offer no solution. They don't communicate with each other so nobody know how the account gotten overdrawn, nobody know where or how the credit card got open and nobody knows where XXXX XXXX dollars went too.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I discovered some accounts on my credit that did not belong to me. I did the correct steps by filing an FTC report and a police report regarding said accounts. The account in question is an online account called XXXX in the amount of XXXX. I filed the FTC report XX/XX/XXXX and the police report was filed XX/XX/XXXX. I sent these documents to the credit bureaus. XXXX and XXXX XXXX took these accounts off however, Equifax did not. My first dispute was filed in XXXX around the XXXX. I received a response finally on XX/XX/XXXX stating that the account I listed was removed however the reporting company certifies that this information is correct so we reinserted this onto your credit file. I have disputed it again and have gotten no response. This account is destroying my credit. I have provided all documents needed for this dispute but receive no help form Equifax. Please can someone help me with this.
Product: Mortgage

I received a Notice of Service Transfer for my home mortgage from XXXX XXXX to Truist Mortgage in XX/XX/XXXX with an effective date of XX/XX/XXXX. I began monthly payments ( principal, interest and ESCROW ) to Truist Mortgage on XX/XX/XXXX. A XX/XX/XXXX statement from XXXX showed a payment of {$2200.00} for COUNTY Tax was issued in XXXX, XXXX. This amount was short of the TOTAL County Property Tax ( XXXX XXXX, GA ) issued in XX/XX/XXXX for {$2500.00}. I believe the check of {$2200.00} was issued to TRUIST from XXXX for the Escrow months of XXXX XXXX and that the remaining balance ( + {$310.00} ) to be paid from XX/XX/XXXX escrow at Truist Mortgage XXXX On XX/XX/XXXX, I received a PAST DUE Property Tax bill from XXXX XXXX, including late fees. I contacted Truist Mortgage Tax department on XX/XX/XXXX. Their records indicated that a " check was issued '' in XX/XX/XXXX in the amount of {$2200.00} but had no other information... who sent the check, was it cashed, etc. The Customer Service Rep opened an inquiry on my behalf. I never received a response regarding this inquiry so I followed up with Truist Tax Dept on XX/XX/XXXX. The Customer Service Rep indicated that a NEW check has been requested but not processed. Also, there was NO information regarding the status of the original check and why after almost 4 months since the transfer of my mortgage to Truist. A Complaint was filed with the XXXX XXXX XXXX on XX/XX/XXXX and a Representative from Truist reached out to me on XX/XX/XXXX. XXXX XXXX indicated a Case was " opened '' and it would take at least 1 week to review. This timeline is NOT acceptable as I made TRUIST aware of non-payment of by County Tax on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. This Property Tax bill should have been paid by TRUIST on XX/XX/XXXX. TRUIST Mortgage has mishandled and misappropriated funds in my Escrow account
Product: Credit reporting or other personal consumer reports

To the Filthy Disgusting Entities Operating as Credit Reporting Agencies, a Conglomerate of Corruption making bloody profits of Billions of dollars by XXXX the blood out the veins of ordinary peoples. May the bloody profits that you XXXX out of the veins of consumers, come gushing out of your filthy disgusting nostrils, Amen. 

Your actionsor lack thereofhave collectively caused irreparable harm to my life, financial stability, and peace of mind. Despite my repeated efforts to address the fraudulent and erroneous information you continue to report on my consumer credit files, each of you has displayed nothing but gross negligence and blatant disregard for your legal obligations under the Fair Credit Reporting Act ( FCRA ). 

I have endured years of frustration as you, entities entrusted with the sacred responsibility of accurate consumer reporting, have chosen to uphold inaccuracies, stall investigations, and, in some cases, outright block my access to my own consumer credit reports. These actions are not only unethical but are also violations of the legal framework designed to protect consumers like me. 

Let me remind you that under FCRA 605B ( 15 U.S.C. 1681c-2 ), it is your legal obligation to block disputed information within four days of receiving all required documents. Your collective failure to comply demonstrates a flagrant abuse of power and disregard for the law. 

This letter serves as notice that I will no longer tolerate this disgusting misconduct. You are required to : 1. Immediately block and suppress all disputed information on my credit reports as per FCRA regulations.

2. Provide written confirmation of your compliance with the law within the legally required timeframe. 



Regarding the irreparable harm you have caused, I have instructed my attorney to evaluate all legal options to hold you accountable under the fullest extent of the law. All matters of financial recompense and damages will be handled through the appropriate legal channels. 

Failure to comply with your obligations will result in immediate escalation to the CFPB, the FTC, and other relevant authorities. My attorney is prepared to pursue litigation against your organizations if you continue to ignore the law and my rights as a consumer. 

This is your final warning to act responsibly and comply with the law. Unlike your organizations, I stand by the truth and the principles of justice. 

Yours with disgust, XXXX
Product: Mortgage

Carrington lied policy was change from XXXX to XXXX in XXXX XX/XX/2023 now they send me a check that I deposited and my bank returned the payment of check that was fraudulent and now my bank is charging me fees why they would send m a check for XXXX and it cant be cashed.
Product: Credit card

On XX/XX/XXXX, I attempted to return a phone to XXXX for a refund. I received an e-mail from XXXX that the refund was denied because the box was empty ( which they had a picture of ). I called XXXX customer care and the agent reviewed the video and the shipping details and assured me that a refund would be provided because the shipping weight of the package showed that the phone was stolen in transit. On XX/XX/XXXX, I received an e-mail from XXXX saying they would not refund due to it being an empty box. I mentioned to them the shipping weight conversation, but they declined to refund and told me to file a claim with XXXX. When I contacted XXXX, they told me the payor of the shipping label had to file the claim. When I responded to XXXX with this information, they no longer responded. 

I filed a dispute with American Express with documentation that included evidence of the shipping weights. Despite this, American Express ' response was that I was responsible due to the empty box, and that if I had any proof I had shipped the phone, I should provide it. 

I reopened the dispute with American Express and once again provided documentation of the shipping weights. This time, American Express response was that I was responsible because the shipping weight was heavier than XXXX expected. This is in direct contradiction to the first response that it was an empty box! 

I reopened the dispute once again pointing out that these XXXX responses were in direct contradiction. American Express responded that I was responsible unless I had proof that XXXX had promised a refund ( alluding to the initial call I had with XXXX ). 

American Express did not investigate my dispute in good faith, and keeps changing what proof I need to provide, and has put the onus on me as a single customer to prove that I had returned the phone despite XXXX being a XXXX XXXXXXXX company that has the ability to file a claim with XXXX, and also the ability to track/brick stolen phones.
Product: Debt collection

I noticed a fraudulent collection account on my credit report in  XXXX . So I contacted the credit bureaus and they said they would take it off.      XXXX   XXXX , I check my credit, due to all the hacking reports on the TV news, I see this fraudulent account is still showing on my credit reports.      Medical Data Systems Inc.  Account Number  XXXX . For {$13000.00}.  Original Creditor   XXXX   XXXX  Hospital. This hospital is located in  XXXX  SC where I was born and raised. I moved from  XXXX  SC in  XXXX  and have not returned, which is 14 years ago. So how does  Medical Data   Systems Inc.  have a collection account on my credit reports from  XXXX ? I have n't been in  XXXX  SC since  XXXX , which is 14 years.     So how ca n Medical Data Systems Inc, p ut a {$13000.00} collection account on my credit report from  XXXX , if I have not been in that city and state in 14 years? I moved from  XXXX  SC in  XXXX  and have not returned.     I am very upset about this ! Medical Data Systems h as tarnished my name and violated my rights, by putting a fraudulent medical collection account on my credit reports.     Again, I moved from  XXXX  SC in  XXXX  and have n't returned or visited.     I wan t Medical Data Systems Inc t o remove this fraudulent collection account from my credit file. I want  Medical Data Systems Inc t o be fined and reprimanded for putting fraudulent information on my credit report.     I just do n't understand why they would do this. It makes no sense.
Product: Mortgage

Chase Bank is repeatedly assessing late fees to my mortgage account, when I have never been late on a payment in 12 years. I have been billed over {$200.00} in the last 4 years.
Product: Debt collection

I'm not familiar with this debt. I've never had any dealings with this company.
Product: Debt collection

Since XX/XX/, I have been receiving calls from Associated Credit Services. The calls are coming from XXXX. I always receive a robocall voice telling me to return their call at XXXX. I wasn't even aware they were a debt collection agency until I called them back. They asked for my name. I told them that I didn't feel comfortable giving that out, and they simply hung up on me. This happened several times until I was able to speak with a supervisor. He confirmed that I did not owe any debt, but said they could not take me off their contact list ( he refused to state why ). Some workers I spoke with told me that I had been taken off the list. Others said I was never on the list to begin with. Yet another employee told me they don't even *have* a list. 

In total, I had to call around 7 times before a XXXX assured me I would not get any more calls. I do not trust this and feel that I will continue receiving calls for a debt I was never even associated with.
Product: Mortgage

We refinanced from NewRez aka Shellpoint to XXXX XXXX in XX/XX/2020. The loan was originally under my father 's name and I had automatic payments out of my account. When we refinanced we switched it to my name. NewRez accepted the payment from XXXX XXXX  to close out the loan. They did not reject the XXXX XXXX wire due to a shortage is there is one that they are claiming. Since then they have been trying to charge thousands of dollars of payments for a mortgage we no longer have with them. I have contacted both parties and am getting no where. NewRez keeps blaming XXXX XXXX  for being short, I have history of statements, closing, payoff statements. I am tired of spending hours on the phone getting no where wasting my time and need some help. I have made multiple calls to Shellpoint and spoke with different supervisors having to reexplain the story every time.
Product: Debt collection

This XX/XX/XXXX I saw a negative collection report on my XXXX Credit report from a XXXX XXXX XXXX related to a Utility account with XXXX XXXX. 

I have never done business with these companies. After tracking down XXXX XXXX, I spoke to a representative on XXXX that provided me an account number and service address in XXXXXXXX XXXX 

I live in XXXX XXXX where Ive owned my home since XXXX.
Product: Debt collection

There are a couple of companies on all three of my credit report that i keep disputing and they still keep coming back and it keeps messing with my credit score.. 1. XXXX 2. XXXX XXXX XXXX 3. XXXX medical center which is with the company Commonwealth Financial System. I have been fighting this all year and they still keep putting this stuff on my credit report!!
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts reporting on my credit file are fraudulent, therefore does not belong to me, I'm profoundly demanding that these accounts be removed, or show just cause XXXX physical documentation ) inwhich why they should be reporting. I'm also demanding a Method of Verification, and the title of the employee conducting such investigation. I will also like to know the date and time of such, as well as the means of communication via phone, fax, email, mail, etc. 

If this can not be provided then these accounts shall be removed and blocked immediately. 

1 ) XXXX XXXX XXXX  {$5100.00} 2 ) XXXX XXXX XXXX  XXXX XXXX {$14000.00} 3 ) XXXX XXXX {$360.00} 4 ) XXXX XXXX XXXX {$6900.00} 5 ) XXXX  6 ) XXXX XXXX XXXX XXXX  {$3100.00}
Product: Credit card or prepaid card

We booked a vacation through a property management company, and when we arrived at the location, the previous tenants had destroyed the property. We attempted to resolve our issue with the company, as we were not able to stay at the location. The company is stating we were offered other accommodations, and declined them, which is a lie. As such, we were required to book with another company, and did not receive a refund. We have attempted to dispute this with the credit card company, but have been denied, as the rental company is lying to them about the situation. This was from XX/XX/2020 for {$1800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have several information on my accounts that don't belong to me. its weird how a credit bureau adds information to your reports XXXX XXXX XXXX XXXX paid on XXXX but not on XXXX and transunion. I don't understand how this is effecting my credit my life. 
XXXX XXXX XXXX XXXX samething please remove this from my report. 
these acconts are not mines and appear to be old and belong to someone else please remove asap. im buying ahome and its not fair godbless XXXX XXXX XXXX  XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX XXXX, # XXXX, # # # XXXX, # XXXX XXXX, # # # # # XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX  XXXX and XXXX XXXX XXXX  violated my rights.

SEC 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.
Product: Credit reporting, credit repair services, or other personal consumer reports

I started working on my credit report in XXXX 2017 and sent updates to each bureau and I seen Trans union, XXXX, some of the changes but all of the changes was not corrected. I have not receive any changes or updates from the other credit bureau. Please help me fixed this. I recently got married so mu name has changed from XXXX to XXXX.
Product: Credit reporting or other personal consumer reports

I like to request the removal of this unlawful hard credit inquiry from my credit report. I've obtained a copy of my credit report from your agency and observed the presence of unapproved inquiry. This is a list of the unauthorized inquiry. 
XXXX XXXX XX/XX/year>
Product: Credit reporting or other personal consumer reports

Disputed Accounts : [ Account Name or Creditor, e.g., Bank of the West ] Reason for Dispute : The account is inaccurately reported as both charged-off and closed. Payment history details are inconsistent across reports from other bureaus. 
Requested Action : Please remove this account or correct the reporting to reflect accurate information. 
[ Account Name or Creditor, e.g., XXXX XXXX XXXX  ] Reason for Dispute : This collection account lacks validation or clear information about the original creditor. 
Requested Action : Remove this account unless validation is provided as required under FCRA. 
[ Account Name or Creditor, e.g., XXXX XXXX Credit Card ] Reason for Dispute : Payment histories are inconsistent across the credit bureaus, and late payments are reported inaccurately. 
Requested Action : Correct the payment history or remove the account.
Product: Debt collection

I received mail correspondence from XXXX XXXX XXXX XXXX ( XXXX ) 4 years ago, regarding a medical debt for {$790.00}. I contacted the group and told this debt was in my adult daughters name, created on XX/XX/2019. I have no communication with my daughter, she would have been XXXX XXXX XXXX at that time this debt was created, nor was I present when her service was rendered. I told XXXX to disassociate me from that record. XXXX continued harassing me with this debt, at some point placed it on my credit report. I disputed the debt and had it removed off my credit report, I thought it was over. To my disbelief a different company emerged with this same debt, who I believe was Lockhart Morris and Montgomery, I advised them of the situation and told them not to make any attempt to place this invalid debt back on my credit report. Lockhart Morris knew the debt was invalid and fraudulently added the debt to my credit report anyway. I disputed the debt with XXXX and Lockhart Morris and Montgomery told XXXX the debt belonged to me, knowing the debt is not under my name or ss #, thats an act of fraud and identity theft. Lockhart Morris and Montgomery are distorting my personal identity and willfully trying to extort me for for payment. My credit rating has taken a huge hit, it will be years before I recover.
Product: Debt collection

This complaint is for Wilmington trust. It is so demanded that Wilmington trust for validation of debt and all commercial matters in accou d # XXXX in accordance to ( U.C.C. 3-402 ) ( b ) I need to see that generally accepted accounting principles ( GAAP ) is being followed. This company is stating that I borrowed cash from their organization.I must see the contract that allows this company to collect this alleged debt on the behalf of XXXX XXXX XXXX XXXX account but most importantly the booking entries with General Ledger. With this company refusing to release this information.The following account # XXXX must be validated this company is required under oath to show me validation for the debt by a certified public accountant ( CPA ), they have 10 days to give me the bookkeeping entries from a ( CPA ) Or this order will be in force and I will request that these book entries be seized under the 1917 trading with the enemy act. Requesting to see entries under UCC 3-302 adequate assurance of due performance.and requesting entries under UCC 2-609 for the sale and purchase. See the attachments as to company still not complying with my orders.Nothing is Certified by a CPA.
Product: Credit reporting or other personal consumer reports

XX/XX/year> my credit report was pulled without my knowledge and consent
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had many late payments on an account that I was never late on. Consumer Reporting Agencies have taken on a vital role and have a responsibility to report on consumers to the best of their ability with Maximum Accuracy. I have never been late on payments on the Account Name : XXXX XXXX XXXX Account Number XXXX Please investigate and provide proof with statements showing that these payments were late. If proof can not be provided, I demand that these payments be brought up to date on time as they should be as I have NEVER been late. Thank you.
Product: Checking or savings account

My accountant with Dave, was first breached on XXXX. The funds were applied to my account on XXXX. On XX/XX/2024, once again my accountant was breached.I was told that I could use the money left that was on my bank card. Unfortunately that was not the case.Im unable to pay my bills on time without penalties. I trusted Dave with my money, they allowed scammers not once, but twice to ruin my trust in their banking security system.I 've given them everything to prove my Identity and for them to rectify this matter. Called numerous of times to know advil.They have all my information to get in touch with me