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

In XXXX and XXXX of 2020, I filed a dispute with this credit bureau about the unverified account : XXXX XX/XX/XXXXAccount # XXXX XXXX XXXX XXXX- XXXX XXXX XXXX. In those 2 months I have asked numerous times for a response into their investigation and I have not received anything in response from this bureau in over 2 months.. So now I'm contacting the CFPB to step in and help me get this issue resolved because I have not received a response from this company about these four unverified accounts as of today. Thank you
Product: Credit reporting or other personal consumer reports

These hard inquires on my consumer report I do not recognize
Product: Student loan

Navient is XXXX of my loan servicers and I have been experiencing issues outlined in the current lawsuit against them. They took over my loan in XXXX./XX/XX/2016. They received my loan in deferment status ( going to school ) and immediately started reporting I was 6 months behind on payments. Recently I was able to get them to place the loan in deferment only to be notified the next week that my deferment would end in two to three weeks. I have had nothing but problems with them distorting facts and " playing '' with my loan essentially making it impossible for me to be on the proper repayment plan. Due to them reporting my loan being in default by 6 months has destroyed my credit.
Product: Credit card

I have a citibank credit card. On my XX/XX/XXXX billing statement, I made a payment of {$1600.00} on XX/XX/XXXX for a balance of {$2600.00}. The remaining balance was {$1000.00}. The payment due date for this statement was XX/XX/XXXX. I realized that the remaining balance was still not paid and paid the remaining balance on XX/XX/XXXX. My billing statement for the next month reflected both payments and an interest charge of {$20.00}, and no carried balance. The balance was paid in full by the time the billing statement arrived. I paid the full balance of new purchases this billing statement, and the {$20.00} interest fee and carried no balance. On the next month 's billing statement, I received an additional {$14.00}. The bank claims this was residual interest, but I did not carry a balance, and the only balance I did carry was {$1000.00} from XX/XX/XXXX and the date I made a payment on XXXX.
Product: Credit card or prepaid card

I close my credit card with Wells Fargo on XX/XX/XXXX with a customer care agent on the phone at that time I was told I had a XXXX balance but a credit pending of {$30.00} she said she would send me a check after the The credit posted to my account which is now closed so they sent me a check. Approximately three weeks later they sent me a letter asking me to cash the check as I have not cashed it yet then approximately XX/XX/XXXX, I received a bill from Wells Fargo for a approx. {$81.00}. I called right away to find out what the charges were for I was told that the merchant issued a credit to my account for the {$30.00} so XXXX was attempting to re-collect the {$30.00} check they sent to me and doing so they try to re-collect it from a closed savings account I once had since the account was closed there was a {$25.00} bounce check fee that Wells Fargo assessed to me. Since a couple of months have passed I was also then hit with a late fee I didnt even know these charges were out there I called to dispute this in the meantime my credit was dinged now Im being told that I still owe Wells Fargo a total of {$71.00}. I do not understand what the {$71.00} is for I paied {$25.00} in XXXX On that bill I did not think I would owe to prevent any further late fees while this is getting resolved its not getting resolved they can not tell me why I owe {$71.00} which is 25+ an  outstanding XXXX, I have two primary questions one if there was a credit from the merchant issued to my account was it prior to closing up my account in which case Wells Fargo failed is noticed that while I was on the phone with them that credit had been posted from the merchant if the credit was given to me after my card closed where is it I have not received {$30.00} from the merchant. I also have a charge for {$30.00} on my statement for XX/XX/XXXX and the same amount for {$30.00} for XX/XX/XXXX? Id like an explanation, I feel Wells Fargo is negligent and not noticing that they not only sent me a check but then another letter asking me to cash a check and then to go back to a closed savings account to try to recover that payment without notifying me and then hitting me with bounced check fees late fees and dinging my credit is just outlandish
Product: Debt collection

The representative XXXX XXXX repeatedly misrepresented the collectability of the account. She claimed the account was still within the statue of limitations when it is not. It was charged off in 2018 and I am in California. She is required to read a statement by law about the account not being in the statue of limitations and she did not. Also she claims they still have the right to report the account as open and in collections when it is charged off. I also spoke with the Supervisor XXXX XXXX and she apologized saying the representative was new, but this isn't an excuse to violate the rights of the consumer. XXXX XXXX was of no help only tried to negotiate repayment terms with me and seemingly avoiding addressing the violation of my rights as a consumer. All they seemed to care about was collecting money from me.
Product: Credit card

My husband noticed a XXXX XXXX from amazon for {$140.00} from XX/XX/2003 on chase credit card, which we did not authorized and was disputed as we were directed to do when we called Amazon, were the charge came from, the amount was disputed and AMAZON refunded the money back, the dispute was resolved, but the problem was when it never reflected on the credit card balance the balance appeared the same as it if the prime charge was never removed, I called chase several times spoke with different people and finally one supervisor caught the error but unfortunately she had transfer me to the recovery department from what I remember and said after I asked that she could not provide a direct phone number to her and that the issue had to be resolved by this specific department even tough she explain the issue before she transferred me they did not resolve anything even thought I explain many times that I completely understood that they were directing me to look at the statements they provided but never reflected that the amount brought the balance down as it would have to reflect, they told me when I disputed the amount they credited the amount and they took it back and CHARGED IT AGAIN so that is why my balance never went down because the way it was done would not reflect that amount being removed if you have any questions please fill free to reach me at one point I thought of just letting them literally rob us but then it's not right and we should not have to pay this amount, thank you, also the supervisor that I spoke last is XXXX gave me a case # XXXX this might be helpful because she is the one that understood the issue but transferred me to recovery department where nothing was solved, thank you for your time
Product: Payday loan, title loan, or personal loan

Borrowed {$300.00} from XXXX. Set up payments for {$56.00} bi weekly. First payment started XX/XX/XXXX ans last payment is scheduled for XX/XX/XXXX. I am a resident in Georgia which I thought was a state that prohibited payday loans. So I should not have been distributed this loan or the interest should be capped at a certain amount. I dont feel like I should be responsible for this balance. I never received a copy of terms of loans besides the payment schedule
Product: Mortgage

Account # XXXXThrough Freedom MortgageMy account was paid in full XX/XX/XXXX, my remaining escrow balance of $1200.00+  was (per customer service at Freedom) mailed to me XX/XX/XXXX. I received my copy of Deed of reconveyance letter from them also dated XX/XX/XXXX, but no check at all. I asked them to please check their servicing department to see if the mail actually went out, or got lost interoffice, they stated no it was sent out.  It has been 16 days and mail does not take that long. Their only suggestion was they would have to wait 30 days, then stop payment on the check and then reissue it 10 days later.  That is not a timely manner to get MY funds back I paid them.I am a XXXX XXXX and deal with this all the time, and people usually get their checks back in 2 weeks time. I feel they are delaying this on their end and being deceptive about even sending the money and offered me no solution to return my money. I would HIGHLY recommend not using Freedom Mortgage to refinance or purchase a home, they have terrible customer service and do not follow rules set before them like other companies do.
Product: Mortgage

During my divorce my ex-wife was award the house and was 100 % responsible for the mortgage payment and upkeep of the house. In XX/XX/2018 my ex-wife abandoned the property and moved to another state. Freedom Mortgage contacted me and held me responsible for the mortgage payment even though I furnished them the divorce degree indicating my ex-wife 's responsibility. They told me that they could repossess the house and ruin my VA eligibility to purchase another house. Prior to contacting me they started reporting negatively on my credit report. To prevent further damage to my credit report, VA eligibility and repossession, I filed a request for assistance with the loss mitigation department of Freedom Mortgage. At that point I could not afford the additional mortgage payment and my ex-wife refused to list the property with a realtor. I had to take my ex-wife to court to gain a Judgement enforcing the divorce degree and allow me to list and sale the house without her participation or authorization. I kept Freedom Mortgage informed of my actions. In XX/XX/2018 I got a buyer and closing date. The house was sold and paid off on XX/XX/2018. On XX/XX/2018 Freedom Mortgage reported XXXX passed due to the Credit reporting agencies even though they received the payment in full. I submitted request to dispute the 30, 60, and 90 day past due along with my divorce decree and judgement because I felt I should not be held responsible and punished on something that another parties fault and responsibility. After I submitted the dispute, I received an alert that Freedom Mortgage reported 120 days past due. This was after the house was sold and the mortgage paid off. When I contacted them to ask that report be removed they argued with me and told me that they acted in accordance with the law and that I was 120 past due when they made the report. They said their action was according to my contract, however would not furnish me the contract or indicate where in the contract. Additionally my original loan was made with another mortgage company which sold it to Freedom mortgage.
Product: Checking or savings account

Wells Fargo lost {$79000.00} from my personal checking account ; due to this I was unable to afford a home I was buying at the time that I chose. Days later they made a business decision to ban my account forever. They never informed me of this since they didn't have a new address yet. They still have {$21000.00} withheld ad I was unaware of any occurrence which led to decline most of my online autopayment, not even my online account sent me a message or notice about this, I still have unpaid bills due to the fact they won't let me have my money or pull funds out for emergency. I have been ignored many times and Wells Fargo won't help me when I call to transfer funds or even give me a reasonable statement why my account is being closed. I was either transferred or disconnected or blatantly. 
hung up on by customer service. They were very unprofessional and not helpful at all. Thank you for your help.
Product: Student loan

I am XXXX years old, retired from XXXX after 42 years. My wife and I XXXX for 42 and 39 years, respectively. I COSIGNED FOR MY DAUGHTERS FOR HER FIRST YEAR AT XXXX UNIVERSITY ONLY. Since XX/XX/2001, I have paid back over XXXX dollars with indication that the school received ANY payment. I dutifully paid overXXXXXXXX a month since that time, and received no notification of payment from the college or XXXX/Navient, only harrassing calls and threats. I feel I have been scammed by the school as well as this lender. My wife and I paid for our education loans, why should I have to continue to pay for a FIRST YEAR LOAN ONLY!!!!!
Product: Debt collection

In XX/XX/XXXX, I ported my number from XXXX to XXXX XXXX and had a remaining balance. I contacted XXXX about my final bill and was informed that the final statement with all the cancellation notices would be ready by the next billing cycle at the end of XX/XX/XXXX. I contacted XXXX on XX/XX/XXXX to inquire about my final statement and I was informed that it would be mailed to my new address. I waited the required 14 business days but never received the statement. Between XXXX and XXXX I called three times requesting the bill. During that time Diversified Consultants contacted me regarding the bill. I disputed the charge and informed them that XXXX has not sent me the final statement. Diversified Consultants was suppose to confirm the debt with XXXX. On XX/XX/XXXX I spoke with XXXX and the call transcript number is XXXX who stated that the bill was not sent and that she would process another bill sent to me. Also during that conversation I was informed that my account would not be referred to collections and that a message would be let in the notes to not process for collections. It has been over a month and the XXXX statement still has not come to my address for view. On XX/XX/XXXX I checked my credit report and observe a collection account was added from Diversified Consultants. I contacted XXXX at XXXX and spoke with XXXX # XXXX on a recorded line who confirmed that the a note was left to process another statement but could not confirm if it was sent. I asked that the statement be emailed to me but she refused and referred me to go to a XXXX store and obtain it. I then spoke with her about the collection on my credit report and she stated that the account was being handled by the XXXX back office team whom I was not able to speak with because they have no direct number. XXXX then confirmed that the account was closed via XXXX database but they would still take payment on the account. XXXX confirmed that the account was being handled for collection purposes only by Diversified Collections and that they were not authorized to post negative information on credit reports. XXXX also confirmed that XXXX was still the legal owner of the account and that the account status for the account with XXXX was closed. At XXXX pm I spoke with XXXX at Diversified Consultants who them transferred me to XXXX in compliance at XXXX pm on a recorded line. I explained the situation to XXXX surround the collections action and the XXXX. XXXX stated on a recorded line that the collections account with Diversified Consultants would be closed and that it would be returned to XXXX. She also stated that the collection account reported on my credit report would be removed.
Product: Payday loan, title loan, or personal loan

This was a {$1000.00} line of credit and XXXX XXXXXXXX ( XXXX  ) has placed a collection on my credit report.

I have contacted XXXX XXXX, which referred me to Halsted, I have contacted them a few times to set up payment arrangements, and have not received a call back.

Every-time I call someone is going to call me back, but never receive a call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to you about my business credit card account that was open last fall from Chase bank. 

I have been a chase customer for over 10 years and all my business accounts have my personal mailing address for billing. I discover that this account didn't have my address listed for billing. Afterall I was able to receive my card. 

The customer service acknowledges the discrepancy of mailing and fixed it. I was able to get a full credit back for all incurred late fees but refuses to correct and fix the negative scare on my credit report. I spoke to several people on this matter in which I was given the runaround " stating that there is nothing that can be done
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme disappointment with the lack of response from XXXX, XXXX, and Experian regarding the disputes I sent regarding inaccuracies on my credit report. Despite my diligent efforts in listing the accounts and clearly outlining the violations to my consumer report, it has been over 30 days and I have received no response from any of the credit bureaus. 

It is imperative to note that under the Fair Credit Reporting Act, every detail on my credit report must be 100 % accurate. The accounts in question are in direct violation of 15 U.S Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) for their failure to report accurately. Furthermore, the violation of 605 ( c ) running if the period has also been noted, as the date of last activity on these accounts is reporting incorrectly. 

I am attaching copies of all letters sent for your reference. I expect immediate action to rectify these issues and ensure that my credit report reflects accurate information as mandated by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

On a letter dated XX/XX/2019 I had requested pursuant to Section 609 ( a ) ( 1 ) ( A ) for TransUnion to provide physical verification of the item on my credit report listed as BK Court XXXX California I had also objected to two hard inquiries on my report that were not authorized. One by XXXX XXXX XXXX and the other by XXXX XXXX. I sent this letter certified return receipt and it was delivered XX/XX/2019. I received a letter back dated XX/XX/2019 stating that the results had been verified as accurate. However TransUnion never provided physical verification as required by law. 

On a letter dated XX/XX/2019 I submitted a second letter pursuant to section 609 ( a ) ( 1 ) ( A ) requesting additional information and again for them to provide physical verification as required by law. Again I sent the letter via certified return receipt and it was delivered on XX/XX/2019. On a letter dated XX/XX/2019 TransUnion advised that the item in question as listed above was verified as accurate. But again as per the law they did not send me the required physical proof that they have in their files. At this point they also told me that I had requested to opt out of their promotional list which I had not requested. 

On XX/XX/2019 I submitted a third written request. I sent this letter certified return receipt. It was delivered on XX/XX/2019. I received a response back from TransUnion telling me they were unable to determine the nature of your request or your request was illegible. Therefore stalling an additional month before I could again ask them to abide by the law and provide physical proof that they have in their files that this item does in fact belong to me with my signature on it. 

On the last and final letter dated XX/XX/2019 I submitted a fourth letter. In this letter I have asked that all unverified information be deleted as required by law per the FCRA Section 609 ( a ) ( 1 ) ( A ).  I sent this letter certified return receipt which was delivered and signed for on XX/XX/2019. On XX/XX/2019 I received a letter back from TransUnion telling me that the investigation results had INFORMATION UPDATED. However they did not list what was updated, or provide me that much needed key lawful piece of physical documentation. allowing them to report the item in the first place.
Product: Checking or savings account

I received a XXXX from XXXX XXXX XXXX in the amount of {$100000.00} as a result of hitting a XXXX  jackpot. The check from XXXX  was written on a Bank of America XXXXaccount. I thought great, I have an account with BOA. I took the check to local branch on Wednesday of this week and asked specific questions about when the funds would be made available. They said they had to run it through the system first to see if there would be any holds. Did so and it can back with no holds. Teller explained that I should have access to the funds the following day. After completing the transaction and leaving the bank I get an email that they have placed a hold til XXXX morning at XXXX ( ok just XXXX  additional day, not tripping ). Then XXXX morning I receive an email stating that they placed an additional hold on the check because check specific information indicates item may be returned. They added an additional XXXX day to the hold saying funds would now be available XXXX after next ( XXXX days after the initial deposit ). I contacted BOA customer service to offer further clarification. First I was told the check was large. I replied yes large to you and me but not to multi XXXX dollar institutions like BOA and XXXX. Furthermore, the check is from a BOA account and they should be able to verify that it is good and funds are available. There should not be a risk of it being returned. The funds are there or not. I asked to have it escalated to a supervisor. I explained again that check was written on a BOA account ( XXXX ) and they should be able to authenticate and verify availability of funds. She said business accounts are different than personal accounts. Therefore, the verification was treated similar to an external bank. I called XXXX on that. I am unnecessarily missing out on the opportunity to collect interest on my own money for nearly XXXX weeks and at this point do not trust that BOA will honor releasing the funds to me XXXX days from now. They have proven to be untrustworthy and have not offered a justifiable reason for why they are not making my funds available to me so that I can benefit from the interest and other investment returns on my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having issues with my information on my file. I have several address that I never lived at on my credit report. My current and only address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX. 
Please delete the following addresses the are not mine : XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, WI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX   XXXX XXXX, OH XXXX I have a unverified account the I never done business with XXXX  XXXX # XXXX or XXXX/XXXX XXXX # XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2018, {$21.00} was charged on my credit card. I was interested in looking for a free credit score and found TransUnion advertising one free credit score. I signed up and gave my credit card info thinking it was for credit score report purposes since there was nothing saying that I would be charged. I was doing all of this on my  phone. I did not realize I was charged until my credit card company ( XXXX ) notified me via text. I immediately searched up why I was being charged and also got an email saying I had purchase a subscription which I clearly didn't. I immediately tried to cancel it. I also called TransUnion who refused to help me saying that I bought a service. I opened a dispute with my credit card company. 

They refused to refund me even though their service was falsely advertised as free. I've since cancelled my subscription but they would not delete my information. As you can see, https : //www.transunion.com/XXXX at the top it offers a free credit score. When I was signing up, there was no page that said I would be charged. I
Product: Credit reporting or other personal consumer reports

These accounts are reported with incorrect information in my report even though they are not mine. 
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