23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

We decided to refinance our mortgage ( 3.625 % 30 year fixed with XXXX XXXX ) and went with Spring EQ for a 2.75 % 30 year fixed, and signed the closing documents XX/XX/XXXX. Spring EQ was to pay our County Real Estate taxes and Homeowners Policy in XXXX. Early this month I received a " Tax Delinquency Notice '' from XXXX County, MD telling me that my property would be subject to a tax sale if property taxes in the amount of {$3000.00} ( including a {$60.00} late fee/interest charge ) were not paid by the end of XXXX. It was also discovered that the Homeowners Insurance ( XXXX XXXX in the amount of {$1800.00} ) due XX/XX/XXXX, had not been paid. For three months my home had been uninsured! Spring EQ was negligent in all respects relative to their handling of the Escrow Account, and have been very slow in handling this emergency ( HOI was paid today ( XXXX XXXX ) and I paid the Real Estate taxes personally last Friday, XXXX XXXX to keep my house from being subject to a tax sale. The " closing disclosure '' is not easy to read, but it looks like Spring EQ and their closing agents, XXXX, charged me {$2000.00} in fees to settle the closing, which was very poorly done. My request is to have that {$2000.00} ( which got me nothing ) returned to me. My mortgage was sold to XXXX in the middle of XXXX, and hopefully will be handled much more professionally going forward. My latest dealings at Spring EQ were with a man named XXXX XXXX, who is a Sr. VP and CFO ( his phone number is XXXX and his email is XXXX. Thanks you for your attention to this matter. XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ), due to inadequate customer 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

39 Attorney Generals sued Navient and private loans included. I received an email from XXXX XXXX former XXXX XXXX XXXX  employee I trained to fill my XXXX XXXX position and salary inflate occured at the bank with XXXX XXXX and wage claims submitted by bank that may have been stolen there was ID theft with student loans with Illinois XXXX XXXX  XXXX by bank employees that lead to loans with XXXX XXXX not formally disclosed by Illinois XXXX XXXX  XXXX and arrests were made XXXX XXXX XXXX XXXX. XXXX XXXX emailed me me in XXXX when the settlement finalized and read that FFEl Loans and private loans were included in the settlement agreement. After the settlement published on Navients website that Navient merged with XXXX XXXX and serviced XXXX XXXX defaulted loans in XXXX in previous complaint the Department of Education did not published this on their website the loans were from XXXX XXXX ( XXXX XXXX XXXX of XXXX 's XXXX  and instructor same hall I believe both high school and XXXX XXXX XXXX same congregation. XXXX XXXX XXXX XXXX XXXX XXXX is disfellowshipped different XXXX 's XXXX  congregation and acting Judge XXXX XXXX XXXX XXXX case I was not summons to appear but contacted by Federal student aid and XXXX XXXX XXXX as to my identity being comprimised and a letter sent to US couurt of Claims if a post card was sent it was stolen fromus postal service I have not been contacted by Navient since XXXX. If not mistaken XXXX XXXX attorney generals is relaated to a former high school student class of XXXX XXXX XXXX covid-19 rental applicationm sent to a XXXX XXXX. settlementment amount XXXX XXXX dollars ( XXXX??? ) too much privacy violations and followed. I am got XXXX coming. XXXX XXXX came into XXXX XXXX XXXX asking me they could get my social security and the volunteer ( XXXX appointment with XXXX XXXX said she needed a high school diploma I enrolled after leaving XXXX  XXXX XXXX XXXX  due to slary inflate and I say malicious defamation of character due to ID theft and fraud. Ignorant ridicule with that theft is undelivable in a college setting like juvenile deliquency
Product: Credit reporting, credit repair services, or other personal consumer reports

Date : XX/XX/XXXX To whom it may concern, I am writing to update/correct my personal information on file with your company. 

Please update my address XXXXXX/XX/XXXXXXXX, Florida XXXX Please update my name XXXX XXXX My only social security number is XXXX My only correct date of birth is XX/XX/XXXX My only employer is XXXXXX/XX/XXXXI do not wish to have any telephone numbers on my report. Please remove all the other addresses off my report as they as they are not deliverable to me by the XXXXXX/XX/XXXX and they are not reportable as per the FCRA, since they are inaccurate. 
Sincerely,
Product: Credit reporting, credit repair services, or other personal consumer reports

I have notified Experian several times that the address information that is listed is places that I have never lived at before & I am requesting that this incorrect address information be removed from my credit report. I am a victim of identity theft and I have had address and account information added to my credit reports that I have no clue where they came from along with Variations of my name. Please delete.
Product: Debt collection

Credence Resource Management has filed a debt against me on XX/XX/XXXX. I have no idea where this debt came from and who they are representing. I filed a dispute on XX/XX/XXXX. I specifically asked for verification of this debt with no response or confirmation that this debt belongs to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion failed to respond to my MOV letter & failed to delete the tradeline after 15 days. 

Transunion failed to respond telling me how they did their investigation. Who did they talk to at the original credit grantor? Did they write them? Was a UDF form used or was this through electronic automatic dispute verification? Did they contact them at the same address/phone number listed on my report? 

The FCRA says that Transunion has to tell me this in 15 days if I ask. Transunion provided no response nor deletion of the tradeline. Transunion failed to Tell me exactly how they verified this and include the full name of the person they spoke with. 

Transunion failed to respond to my MOV letter & failed to delete the tradeline after 15 days.
Product: Debt collection

Sent a certified request for debt validation and attempted to resolve the matter amicably. Did not claim the debt as my own. I tried a XXXX resolution but was not notified of my right to dispute the account. I attempted a XXXX time via phone and could not resolve it, nor did I receive validation of my debt. These are violations of the Fair Debt Collection Practices Act ( FDCPA ), and I am entitled to redress them as needed.
Product: Checking or savings account

On  XXXX   XXXX   2017  I had a balance of $ {$62.00}. Regions charged me  a OD FEE  of {$180.00} when nothing was ever in the negative.
Product: Credit reporting

This is my husband 's XXXX school. I should be listed as a co-borrower and they have me as primary. But most importantly, they are reporting inaccurate information. We are current on this loan as we have monthly automatic payments taken out. They have fixed the error with my husband 's credit report but are refusing to correct mine. 

The company has refused to correct the issue and Equifax has closed any and all disputes stating the creditor has validated the account information. I have attached supporting documents, supporting my claims.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called the 3 credit Bureaus after I purchased a credit report in XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE items on my personal profile, I noticed that there was items on my credit report which are misleading to me. I believe they have failed to authenticate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I'm hoping that the items will remove in my credit file as soon as possible.Here are the list of disputed items 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 GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX, VA XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX, CT XXXX ; XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX ( Original XXXX : XXXXXXXX XXXX ) XXXX Balance : {$280.00}.
Product: Student loan

I was denied a second time on my school misconduct loan forgiveness application. I was not given any specifics on why. The federal government forgave my federal loans due to school misconduct. I submitted a hundred pages of evidence, and yet do not have a specific or valid reason as to why NAVIENT hasnt approved my application.
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. What's going on there at the CFPB and to Experian? This is so unbelievable! How can you guys let these multiple complaints pass? I know I have stated this again and again but I have submitted this complaint numerous times already and I have attached all the information and documents needed such as my DL, SSN, Proof of Address, the dispute letter I sent to the bureau, the FTC report which I filed on their website to prove that I'm an identity theft victim. What else do you guys want?! PLEASE DO NOT IGNORE my request and DELETE the accounts which I do not own. 

XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$7600.00}, XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$23000.00}, XXXXXXXX XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}, XXXX XXXX XXXX XXXX Date OpenedXXXX  Balance XXXX {$1700.00}, XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$10000.00}
Product: Credit reporting or other personal consumer reports

I recently disputed inaccurate charge-off accounts on my Transunion credit report. Instead of conducting a proper investigation, Transunion verified and updated these accounts without providing any reasonable basis for their accuracy. This action violates my rights under 15 U.S.C. 1681i, which requires credit bureaus to conduct a proper reinvestigation of disputed items. 

The following accounts are inaccurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Transunions actions also conflict with federal statutes, including : 15 U.S.C. 1602 ( g ) ( 2 ) Defining " credit '' and consumer rights under the Truth in Lending Act.

15 U.S.C. 1635 Protecting consumers ' rights to rescind certain transactions.

15 U.S.C. 1601 Establishing Congressional intent to ensure fair and transparent credit practices.

15 U.S.C. 1692g Requiring debt validation to prevent inaccurate reporting of debts. 

I am requesting that these inaccurate accounts be removed from my credit report for such violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX XXXX {$11000.00} Closed XXXX potentially negative months Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$11000.00} {$5000.00} Payment Info Status Charge-off Status date XX/XX/XXXX Past due amount {$11000.00} Highest balance - Monthly payment - Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/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 Charge off 30 Days Late 60 Days Late XXXX XXXX BANK {$0.00} Closed XXXX late payments Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Revolving Balance on XX/XX/XXXX Credit Limit {$0.00} {$500.00} Payment Info Status Pays account as agreed Status date XX/XX/XXXX Past due amount - Highest balance $ 624 Monthly payment {$0.00} Late payments XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX View more XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX - - - - XXXX XXXX XXXX XXXX XXXX XXXX XXXX - - - - - - - - - - - XXXX - - - - - - - - - - - - On Time 30 Days Late 60 Days Late 90 Days Late - Data Unavailable Incorrect Names XXXX XXXX XXXX XXXX XXXX Incorrect Addresses XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX APT XXXX XXXX, NJ XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX, XXXX Account : XXXX Amount : {$630.00} In accordance with the Fair Credit Reporting Act XXXX  Acct # XXXX, has violated my rights. 

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

15 U.S, C. 1681 Section 604A Section 2 : It also states a consumer-reporting agency can not furnish a account without my written instructions.
Product: Checking or savings account

I received an series of emails to my personal gmail account informing me that somebody had created a Chime bank account in my name. The emails seemed legitimate so I called the fraud number that they had at the bottom of the email. A person with a XXXX accent answered the phone and in broken English the asked for further identification information that would have further compromised my identity. They asked me for my phone number and my address and my date of birth. I told the person on the phone that I did not open a bank account with Chime and I wanted the account with my email address attached closed. She refused to close the account insisting that I need to provide further identity information in order to close the account. She said she would remove my email from the bank account that had been created. SHE DID NOT. Two minutes after I hung up the phone, Chime began pounding my personal account with emails. I marked the emails as a Phishing attempt and thereby automatically blocked any further communication from them. A week later I got a letting in the mail from Chime providing me a credit card with access to my new Chime account that I never opened. If possible I would like to file a criminal complaint against Chime and put a stop to their deliberate harassment.
Product: Debt collection

I AM BEING CHARGED FOR A PHONE BILL I DID NOT OPEN. 
I AM ALSO BEING HARRASED ABOUT NOT PAYING MY CAR NOTE ON TIME WHICH IS ALSO UNTRUE I HAVE CONTACTED THE COMPANIES ON SEVERAL OCCAISIONS BUT TO NOTHING HAS BEEN RESOLVED.
Product: Student loan

Hello : I took out private student loans during my XXXX. The loans went into default during a time I was not able to afford the payments. However, I have been diligently making monthly payments almost 1.5 years. However, the entity ( XXXX XXXX n/k/a Navient ) still reports each month on my credit report that I have a past due balance. I have worked out a payment plan over a year ago and have been making payments. Why are they allowed to report to the credit bureau that I have past due balances as if I am not making payments pursuant to a payment plan. This is causing me substantial problems and it is drastically keeping my credit score down.
Product: Debt collection

XX/XX/2022 - {$440.00} Collection for XXXX XXXX XXXX XXXX showed up on XXXX credit report, I disputed it with no resolve. Told to contact agency directly. 

XX/XX/2022 - I called National Account Systems ( XXXX ) Omaha - XXXX XXXX XXXX- I provided proof via email to XXXX XXXX that this debt was not correct and not owed by me. 

XX/XX/2022 Called XXXX XXXX back as I have had no further communication from them on this. XXXX stated that the debt has been cleared and my file was closed and I owed nothing. Stated he will email and mail me official notification of this and have the collection removed from my credit reports. 

XX/XX/2022 I have received no communication from XXXX regarding my case and collection is still showing on my credit reports. I called XXXX and XXXX answered the phone, said he could not help and only XXXX can help me. I asked why and he said that is their policy. He said I could leave a voicemail. I asked for his last name and he paused, then made up a name of XXXX. I told him that was not acceptable and he hung up on me. I called back and a XXXX XXXX answered the phone ( it sounded just like XXXX XXXX and he transferred me to XXXX where I left a voicemail. 

Sill not resolved.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I received a copy of my consumer report. I was so confused because I see accounts listed that do not belong to me and the consumer reporting agency stated that I am deceased. I discovered that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXhas unlawfully obtained my personal and financial information from unauthorized parties. This violation of privacy is deeply troubling to me, as it compromises my security and exposes me to potential identity theft and fraudulent activities.How can I be deceased as of XX/XX/XXXX but still have inquiries after that date. I do not have any written agreements with these companies. You have NOT provided me a copy of Any original documentation that you have on file that is required under Section 609 & Section 611 [ a ] ( 1 ) ( A ) ( a consumer contract with my signature on it and under Section 611 ( 5 ) ( A ) of the FCRA- you are required to Promptly DELETE all information which can not be verified The law is very clear as to the civil liability and the remedy available to me for negligence and noncompliance to ( Section 617 ) if you fail to comply with this federal law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian Re : Chapter XXXX Bankruptcy To Whom It May Concern : I am disturbed that you continue to list the dismissed bankruptcy as confirmed within my crediti file. Although it is your policy to keep reporting bankruptcies that are filed, dismissed or adjudicated for ten years, the Fair credit Reporting Act mentions nothing in Section 1681c relating to bankruptcy about dismissals or filings. The law clearly states from " date of adjudication '' or date of " order of relief ''. Any case, civil or otherwise, which is dismissed no longer exists in the eye of the law and a case filed may never have actually been adjudicated. Therefore, you have no right to maintain information which the government has deemed nonexistent. Therefore, pursuant to Section 1681 ( a ) ( 5 ) of the FCRA, you must delete this information from my credit report and send me an updated copy when this action is completed. Considering that this does not require an investigation, I would appreciate your response within 14 calendar days from receipt of this letter. Again I never paid or walked into court for such a matter and by law it does not exists
Product: Credit reporting or other personal consumer reports

I looked at my Experian Credit Report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure XXXX  possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

This also violates 15 USC 1681 ( n ), ( s ) - 2 ( a ), & ( b ), 15 USC 1681i, ( 5 ) ( A ) ( i ). 

XXXX. XXXX XXXX XXXX Account number XXXX, has violated my rights. I am not liable for this debt with XXXX XXXX XXXX, I do not have a contract with them, nor have been provided a original contract and complete account number. 

XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX. - Phone number ( XXXX ) XXXX, XXXX XXXX XXXX XXXX, XXXX  XXXX - Business type XXXX  Attorney, Inquiry date XX/XX/year>, Removal date XXXX XXXX This hard inquiry is well past the legal limit to collect a debt and have continually been placed to affect my credit rating.
Product: Credit reporting or other personal consumer reports

Remove inquiries from XXXX XXXX XXXX XXXX  on XX/XX/2023 and XX/XX/2023 .... as I do not recognize these requests. I am providing a report from FTC so Equifax can act. see the report attached.
Product: Mortgage

Mortgage originated XX/XX/XXXX with XXXX XXXX - XXXX XXXX was paid off through a refinance with the same bank XX/XX/XXXX. The mortgage filed XX/XX/XXXX book XXXX page XXXX was never released. XXXX XXXX was eventually acquired by Huntington Bank. Requests for the release have been made via e-mail on XX/XX/XXXX and on XX/XX/XXXX, the requests included the title search showing the old mortgage as well as the HUD-1 showing the payoff. When I spoke with Huntington 's customer service on XXXX I was advised that all items submitted through XX/XX/XXXX had been completed. I re-submitted to the e-mail address they verified on XX/XX/XXXX. I spoke with them again today and keep being told there is no incoming phone line to their paid release department so the can not answer my question as to where is the release or what other information may I provide to assist. Really, no incoming phone lines to a department in a bank? 

Mortgage customer service tells me they can only go by the messages they receive from the paid release department advising them of the submission dates that have been cleared. I have a Home Equity line with another bank that is expiring and the lack of release is precluding us from going forward with a new line. The title company, XXXX XXXX that handled the remote closing ( in my dining room ) is no longer in business. Attached you will find copies of the HUD-1 and additional documents from the refinance that paid this loan, as well as a portion of the title search showing the unpaid lien.
Product: Credit reporting or other personal consumer reports

Several hard inquiries that were submitted without permissable purposes.
Product: Credit reporting or other personal consumer reports

Navy federal credit union shows a closed account that is now placed as charged off with a balance of {$1700.00}. However they continue to report to the credit bureau that I have consecutive nonpayments even though they have charged off the credit.
Product: Credit reporting or other personal consumer reports

Incorrect information on your report - Discovered multiples different pieces information and multiple accounts on credit report that is fraudulent Unable to get your credit report or credit score - Having difficulty accessing Transunion credit report as well as others by means of their own website as well as through the annualcreditreport method to compare reports with other bureaus Problem with a company 's investigation into an existing problem - After a written dispute which included all information and material required by XXXX they have refused to comply with my request for correction and investigation