23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navy Federal Credit Union ( NFCU ) still has not validated the debt that they believe I allegedly owe.
I attached a document of proof with this complaint. One or more of these deposits were stolen from my account by NFCU when NFCU restricted my account. When validating the debt, NFCU needs to explain where those deposits went.
Also, NFCU continues to report unwarranted/ inaccurate, negative, defaming and derogatory information on my major credit reports. I have continuously asked them to remove the information but to no avail. Another complaint here is that Navy Federal Credit Union ( NFCU ) still has not paid me redress for illegally restricting my accounts during XXXX-XXXX in accordance with File No. XXXXXXXX-XXXX. I ask again that NFCU remove all inaccurate, negative entries from all credit reporting agencies for reasons stated below : NFCU unfairly restricted access to my accounts. By NFCU restricting access to my accounts, I did not have the same opportunities as other NFCU members to view, update, and address fees that may have been applied to my account. As such, any fees or late notices that were applied to my NFCU accounts during this time should not have any bearing. This includes all late entries and charge-offs on all of my NFCU accounts that are currently documented with all major credit reporting agencies.
Also, NFCU stole my VA XXXX payments that were given to me by recurring, automated deposits. NFCU used it to pay on credit card debt without my permission. I could not stop the automated payments because ( 1 ) my account was restricted so I could not transfer the money out of my account and ( 2 ) because it takes/took two months from the time the VA was notified to stop recurring payments from going to my account and switch it to another. According to the Department of the Treasury, taking any VA XXXX XXXX from a XXXX is illegal. For redress, I simply ask that NFCU remove all negative entries from all my major credit reports.
Product: Prepaid card

I have had issue after issue using an Amex Gift Card. Every physical store I go to - my transactions are declined. This is beyond embarrassing as everyone tells me that there's probably no funds on the card. When I check the Gift card balance it remains the same - and says its Activated. All he instructions on ways to use the card do not work. I've tried using the card for a transaction that is below the balance amount and those transactions are declined as well. I have called and Amex says to wait a couple days and try again. This is extremely frustrating as there are funds on this card that I am unable to use.
Product: Debt collection

I was attempting to speak to supervisors about their company using XXXX XXXX XXXX contact information resulting in them calling my phone number of XXXX looking for XXXX XXXX. I wanted to know if their corrections of incorrect data only stay internally or is reported to the credit bureaus or updated to the debt asset when sold on to other collectors. I was unable to get to that line of question as the very basic questions would not get answered. I spoke with XXXX supervisors on Wed XX/XX/XXXX The first was a female who refused to identify herself or the company name. She cited a security policy and refused to answer the questions multiple times until she terminated the call. 

I then spoke with a man who said the first supervisor was wrong and should have identified the company. He said their name with a thick accent and refused to spell the name of the company citing a security policy. He refused to provide his name or the mailing address for the company. He did identify the company was incorporated in Illinois as asked. When I repeatedly asked him to spell the company name and provide a mailing address he refused until he terminated the call. 

They have blocked my number from calling them at XXXX or XXXX XXXX as listed on their website so I can not ask a third supervisor. 

Refusal to identify the company is a clear violation of the FDCPA and these nefarious and purposely misleading practices are deceitful and motivated by mitigating the ability for people to hold them accountable by making identifying them to government agencies difficult.
Product: Money transfer, virtual currency, or money service

I I am writing to formally express my concerns regarding sales handling of disputes, particularly in light of the recent CFPB lawsuit, highlight lighting, significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my XXXX financial institution in Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible in that tracking these transactions was unfeasible. The CFPB findings indicate that there has not only neglected to protect consumers, but has also allowed repeated offenders to exploit the systems, leaving userss vulnerable to scams. The lack of accountability and transparency is unacceptable and raises serious concerns about consumers safety.
Product: Credit reporting

I did not complete an order with TransUnion ( no 'complete ' or 'finish ' button was hit, I exited the website before completing any transaction ) yet my card is being charged, there is no way to remove my card from the account, and they will not cancel my subscription until XX/XX/2017. There are no resources to deal with this issue. I am being cheated and am concerned this con site will charge my card further since I can not unlink it or completely delete my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX is reporting INCORRECT information. This account is PAST the 7 year mark to be removed from my 3 credit reports. My last payment with PROOF was on XXXX XXXX 2014! in the amount of {$330.00} The car was a lemon and I have proof engine blew from the attorney general XXXX XXXX of the state of Florida. This account needs to be removed ASAP over the 7 year mark. Account # XXXX This information is only to be used to remove this zombie debt from my 3 credit reports and is not to be used for inside arm debt collectors.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello I've made mutual agreements for late payments with my creditors for XXXX XXXX auto loan, XXXX XXXX, XXXX XXXX The late payments were removed, but data furnishers went back and reinserted late payments onto my report without notice, after dispute was already closed. the back and forth games are destroying me mentally please help. 

I called original creditor who gave me a hard time and would not honor their word or our agreement, also I called bureaus to see why late payments were being put back on my consumer report, no clear answer was given, XXXX XXXX said they'd give me a pass on my late payment. 

this has caused traumatic amounts of sleepless night and mantel anguish I've complained over and over again Ive sent 10-20 letters for months to get rid of these false late payments I am desperate and begging for help to once and for all get rid of these detrimental marks to my report.
Product: Credit reporting, credit repair services, or other personal consumer reports

regional finance pulled a copy of my credit report without my permission on or around XX/XX/XXXX, XXXX so i reported them to my state attorney general 's office. the north carolina department of justice. they failed to reply to the north carolina department of justice. i think that is kind of sad and bad on their part. they are not supposed to contact me anymore and have a cease and desist on the account.
Product: Vehicle loan or lease

I have an auto loan with Westlake Financial. This a loan that was transferred to Westlake from XXXX. At any rate, I felt forced to cut off any verbal communication with them in XXXX of 2017 to where I changed my cell phone number. My payments are due on the XXXX of each month and if the XXXX comes in with no payment yet they would robocall my phone 3+ times a day from several different phone numbers. One time I had even called to give them a double payment after being over 30 days late and was greeted by a very nasty agent threatening to take my car if it were even seen in a grocery store parking lot ... all the while calling them at the time to give them two payments and have the account up to date. I am rarely as much as 30 days late. 

I have been trying to make my payment online as I typically do. I 'm assuming they are mad they do n't have a phone number to robocall me at so they have made it so I can no longer make my payment online ; which I 've been doing since I changed my phone number. I click to make the payment, fill in everything and get a message telling me the payment date must be between the date I 've selected ( which is the current date ) and the previous day. If I drop down the calendar to try and make a different date selection the calendar is grayed out and not allowing me the ability to select any dates. I have screenshots of all of this. It occurs despite the total amount I put in as well. 

In the morning I will use someone else 's phone and block their number, so they do n't get robocalls, before calling Westlake to make the payment but can this be fixed? This is really unfair to those of us making honest attempts at paying our bills and being prohibited because we do n't want to call to end up getting harassed by the agent on the other end of the phone or having our numbers added to their robocall list.
Product: Debt collection

My name is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer is Select Portfolio Servicing , Inc . Select Portfolio Servicing , Inc., purports that they work on behalf of XXXX XXXX XXXX. whom they claim is the owner of my mortgage loan. Select Portfolio Servicing Inc., hires a law firm by the name of XXXX XXXX XXXX XXXX to act as a foreclosure attorney for the servicer on behalf of the Owner/Investor of the loan, XXXXXXXX XXXX  XXXX. For years I have provided Select Portfolio Servicing, Inc and XXXX XXXX  XXXX, XXXX with prima facie evidence that XXXX XXXX XXXXXXXX. does not own my loan. I have also asked for Validations of Debt from XXXX XXXX XXXX XXXX on several occasions. XXXX XXXX XXXXXXXX, XXXX never actually validate the debt however, they consistently try to foreclose on my property. Employees of XXXX XXXX XXXX XXXX also submit themselves into state and federal records purporting to be the legal representatives of XXXXXXXX XXXX XXXXXXXX. This is extremely illegal. Most recently I have called XXXX XXXX and Mortgage Servicing departments and they too have said XXXX XXXX  XXXX. has never owned my loan, has no records of my loan and do not have information in their data base pertaining to my name, address, loan number or social security number. Furthermore, cases like Stubbs vs. Bank of America and You vs. JP Morgan Chase ( GA Supreme Court Case ) clearly state that only the SECURED CREDITOR can foreclose on a property. XXXX XXXX XXXX XXXX are aware of that laws required to LEGALLY foreclose on a homeowner in the state of Georgia. 
In conclusion, XXXX XXXX are using a pseudo entity to foreclose on my home which would be considered theft, fraud and I am sure many other infractions. I must assume that XXXX XXXX XXXX XXXX engage in these practices quite often and need to be stopped. As barred attorneys they are supposed to uphold their oath and should not engage in fraud before the courts. Please investigate this matter and if you do, I will assure you that this law firm has engaged in illegal foreclosure and fraud before the courts for over 10 years and need to be stopped.
Product: Credit reporting or other personal consumer reports

Remove all unauthorized hard inquiries from my credit report under 15 USC 1681c-2. These were not approved by me and are damaging my credit.
Product: Credit reporting or other personal consumer reports

I recently submitted a request for investigation of the above noted accounts, which you denied. I submitted sufficient information for you perform a reasonable investigation of my dispute. Unfortunately, you neglected to do so. If you had investigated properly the results would have proven that I have never been late on these accounts though your company claims to has verified these. 

Depending solely on your flawed e-Oscar system has proven to produce less than accurate and fair information. I request that you take a more active and accurate approach to investigate this for me. 

As in Cushman v TransUnion, Stevenson v. TRW ( XXXX ), and Richardson v. Fleet, XXXX, et al, the courts ruled each and every time that the CRA couldn't merely " parrot '' information from the creditors and collection agencies ... that they have to conduct an independent REASONABLE investigation to ensure the validity of the debt and the honesty/integrity of the creditor/CA in question. Sending out a generic form letter through the e-Oscar system that does not even contain my reasons for the dispute is by no ones measure reasonable. 
XXXX XXXX, XXXX XXXX, XXXX XXXX & XXXX XXXX
Product: Debt collection

On XXXX XXXX, XXXX, the debt collection agency XXXX XXXX XXXX XXXX placed a derogatory remark on my XXXX Credit Report that claimed I owed XXXX XXXX XXXX XXXX XXXX {$580.00}. 

This charge is alleged by XXXX - which has a XXXX XXXX XXXX in Florida - as a result of a visit by me to the emergency room at XXXX XXXX  Medical Center in XXXX, XXXX, in XX/XX/XXXX. 

I made that visit using my Veterans Administration health benefits card, as vets were told that we could get emergency services at the XXXX XXXX using our VA benefits card. 

Several months after the visit, I suddenly received a bill from XXXX for {$580.00}. When I wrote XXXX to inquire what that charges were for, the response came that it was for services of their doctor during that ER visit. Their doctor took 10 minutes to review my symptoms and wrote me a prescription for XXXX XXXX. That is ALL he did. 

I wrote XXXX and gave them the address for the VA in XXXX to send the bill there. I got a letter of response ( attached ) from the VA saying they had settled the bill with XXXX, and by law, XXXX could no longer pursue any further collection of money from me for that ER visit. 

I wrote XXXX with a copy of that letter from the VA, but they persisted in their collection efforts, turning the matter over to XXXX XXXX XXXX XXXX. Despite my attempts to report this erroneous derogatory remark to XXXX, XXXX XXXX XXXX XXXX continues to refuse to remove this false derogatory remark from my XXXX credit report. 

No further money is owed to or will ever be paid by me to XXXX XXXX XXXX or XXXX as a result of one ER visit four years ago that the VA settled. 

Because of this attack on my credit, I no longer have tried to obtain medical support from the XXXX XXXX and now have to drive 80 miles one way to XXXX XXXX, FL., to get ER support from the VA hospital there. 

That my credit report is still being damaged by this false derogatory claim is an injustice to a US Veteran who lives on a fixed income on Social Security supplement by a part time job at age XXXX. 

I do not owe XXXX {$580.00}. XXXX XXXX XXXX  should be required to remove this remark from my XXXX  credit report and from any other credit report they have attached it to.
Product: Credit card

I kindly request that you promptly update my account with the correct and accurate information. Your timely action in rectifying this matter is greatly appreciated.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX Account Info Account Name XXXX XXXX XXXX XXXX Account Number XXXX Account Type Auto Lease Responsibility Signer with XXXX XXXX Date Opened XX/XX/XXXX Status Paid, Closed/Never late. 
Status Updated XX/XX/XXXX Balance - Balance Updated - Recent Payment - Monthly Payment - Original Balance {$15000.00} Highest Balance - Terms 36 Months On Record Until XX/XX/XXXX Payment History XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Current / Terms met XXXX Closed This account is scheduled to continue on record until XX/XX/XXXX. 

Contact Info Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
ACCOUNTS : XXXX XXXX  - XXXX - XX/XX/XXXX - {$1100.00} XXXX XXXX - XXXX - XX/XX/XXXX - {$2300.00} XXXX  - XXXX - XX/XX/XXXX - {$53000.00} INQUIRIES : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

CREDENCE RESOURCE XXXX XXXX potentially negative months {$1500.00} Closed Account info Account name XXXX  XXXX  XXXX Account XXXX Original creditor XXXX XXXX sold- Account type Collection Date opened XX/XX/XXXX XXXX XXXX XXXXt. {$1500.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance {$1500.00} Monthly payment- Past due amount {$1500.00} XXXX Month Responsibility Individual Your statement- XXXX XXXX  Inquired on XX/XX/XXXX Business Type : Auto Financing Companies XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

On XX/XX/22 I had {$6.00} for my available credit. I then spent at XXXX these amounts : {$2.00}, {$1.00}, {$3.00}. That left me with XXXX OR as Capital One listed XXXX in my available credit. 

I owed a balance of {$570.00}. 
Bear in mind, the transactions were pending, BUT, the money had already been taken out of my available credit to cover those transactions. 
NO OTHER MONEY SHOULD HAVE BEEN DEDUCTED. 

At that point, I made a payment of {$200.00} and cashed in my rewards which was {$24.00}. So I had {$220.00} that should have been added to my available credit, which was XXXX. 
My available credit should now be {$220.00} -- -- -- But it wasn't. It posted a few minutes later showing my available credit as only {$140.00}. 

My new balance owed should have read {$340.00}, but it still read {$570.00}. 
I called and was told at XXXX the next day it would be straightened out and the correct amounts would then show. That didn't happen. 

The next day my balance read {$850.00} while my available credit still read {$140.00} ( not {$220.00} ). 
The {$220.00} was never deducted from my balance owed. 

Other transactions have been added but they don't count in this complaint. The last transactions that count are the XXXX from XXXX 's on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Subject : Dispute of Inaccurate Information Pursuant to 15 USC 1681i Dear Sir/Madam, I am writing to formally dispute inaccurate information that your agency has reported on my credit file. Despite my previous attempts to resolve this matter, I have not received any response from your agency within the required time frame, as outlined in 15 USC 1681i. 

On XXXX, I submitted a dispute letter to your agency, clearly stating the inaccuracies present in my credit report. The letter contained specific details about the accounts in question, including the account names, numbers, and the reasons for my dispute. A copy of the original dispute letter is enclosed for your reference. 
Under the Fair Credit Reporting Act ( FCRA ) Section 611, 15 USC 1681i, it is the responsibility of credit reporting agencies to promptly investigate disputed information and provide a written response within 30 days of receiving the dispute. Regrettably, it has been more than 30 days since my initial dispute, and I have not received any communication or resolution from your agency.

Due to the prolonged inaction on your part, I am now requesting that you delete all the disputed accounts from my credit report. The continued presence of inaccurate information is adversely affecting my creditworthiness, hindering my ability to obtain credit, and causing significant financial harm.

I would like to remind you that the FCRA mandates that you adhere to the statutory requirements for prompt investigation and resolution of disputes. Failure to comply with these obligations may result in legal action being taken against your agency, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and pursuing damages under 15 USC 1681n.

Enclosed with this letter, you will find copies of the original dispute letter, certified mail receipts, and any other supporting documentation pertinent to my dispute. I urge you to review the enclosed information diligently and take immediate action to rectify this matter.

Please acknowledge receipt of this letter and confirm that you have initiated an investigation into the disputed accounts, as mandated by law. Additionally, provide me with a clear timeline for when I can expect a written response detailing the results of your investigation and the removal of the disputed accounts from my credit report.

I anticipate your prompt attention to this matter and a swift resolution. Your cooperation in deleting the inaccurate accounts from my credit report will be greatly appreciated. 

Thank you for your immediate action in this regard.
Product: Vehicle loan or lease

I have contacted this company several times in regard to the alleged debt and consumer violations. I sent a cease and desist with a request for information that was not supplied line for line and an affidavit of truth which is unrebutted. I have not received any further communication on the account and the account is reporting on my credit reports which is impacting my ability to obtain credit to properly take care of my family.