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

on artists prey on victims of timeshare resale scams Share this page XXXX XXXX XXXX XX/XX/2013 by XXXX XXXX Consumer Education Specialist, FTC Con artists are trying to steal money from people by falsely claiming they are associated with the federal courts, the U.S. Department of Justice ( DOJ ), and the Federal Trade Commission ( FTC ). The imposters tell people they are entitled to refunds as part of cases brought by the FTC against companies that engaged in timeshare resale fraud. People are told they must pay several hundred dollars in court costs, processing fees or filing fees to get their refunds. The scammers may use an actual FTC case number to lend some legitimacy to their pitch. DO NOT GIVE THESE IMPOSTERS MONEY. THIS IS A SCAM. The FTC never requires consumers to pay money to get a refund. The imposters also have impersonated Florida attorneys in an effort to convince people to pay their fees.

If you get a call from someone claiming they can get you a refund for a fee, report it to the FTC. Visit Complaint Assistant or call 1-877-FTC-HELP ( 1-877-382-4357 ). The FTC enters complaints into Consumer Sentinel, a secure, online database available to more than 2,000 civil and criminal law enforcement agencies in the U.S. and abroad. The FTCs website provides free information on a variety of consumer topics.
Product: Credit reporting or other personal consumer reports

In Accordance with the Fair Credit Reporting Act. The list of accounts below have violated my federally protect consumer right to privacy and confidentiality under U.S.C 1681. 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 report agency can not furnish an account without my written instructions. 15 U.S.C 1687c. ( a ) ( 5 ) Section States : No Consumer report agency may make any consumer report of the following items of information. Any other report adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate. XXXXXXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I went to the drive through atm at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX on XXXX between XXXX and put cash into the ATM i didnt count exact how much i put in, it was around {$900.00} the atm jammed then spit cash back out and said it couldn't take it. I took all of the cash that it spit back out. And then it said it kept the rest of my money because I did not take it within the timeframe and to contact my financial institution. ( I assume it was jammed as no more money came out ) I couldn't it and I only got around {$400.00} back so the rest of my cash was in the atm. I contacted XXXX XXXX they said to file a claim with navy Fed regarding this and I was issued a credit for $ XXXX navy Fed while they said they would look into the claim and said they would get the exact amount that was deposited as I wasn't sure of the exact amount that I put in the ATM or the exact amount that was not given back to me. Which is why I was expecting for Navy Federal to reach out to XXXX XXXX to find out the exact amount and get that ATM transaction because I did not receive a receipt. 2 days ago navy Fed revered the credit and said I benefited from the transaction .... they didn't reach out to XXXX XXXX to see the atm transaction that happened or even to get the exact amount that was put into the machine which I knoww is available. I reached back out to navy Fed 2 days ago and they got back to me today XX/XX/16 saying the same thing the claim is considered " resolved '' which it isnt as they never got the exact amount and I'm missing my money.. I need this money I'm a single mom and how can an atm just take my money and the bank doesn't even take the time to help their customers im not trying to scam anyone. I was recorded I'm sure at the ATM when I was there. Please help me
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I viewed my consumer credit report and noticed some errors. On XXXX XXXX I didn't open an account with XXXX XXXX using my consumer credit card number. It was open and sent to an address I never lived at. I've also filed an FTC identity theft report against XXXX XXXX and XXXX. I am aware pursuant to 15 USC 1681c-2 ( a ), if the consumer provides a consumer reporting agency, such as, XXXX, XXXX, and EXPERIAN, with appropriate proof of the identity, a copy of an identity theft report, and a statement by the consumer stating the information in connection with XXXX XXXX, XXXX  XXXX, XXXX, XXXX AND XXXX is not relating to any transaction by myself, is required to XXXX, XXXX, AND EXPERIAN place a block on my consumer report on the information associated with opened fraud account XXXX  XXXX and XXXX. This information would not be blocked in error, if you feel there is misrepresentation or there was any possession of goods, services, or money obtained please send me a statement signed under the penalty of perjury with evidence of this counterclaim.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Accounts # 1.XXXX XXXX Bankruptcy XXXX XXXX : XXXX XXXX, 2. XXXX XXXX Account Number : XXXX, 3.XXXX Date of inquiry : XX/XX/XXXX 4. XXXX Account XXXX : XXXX 5. XXXX XXXX  Account Number : XXXX 6.XXXX  XXXX Account Number : XXXX 7.XXXX XXXX  Account Number : XXXX 8. XXXX Account Number : XXXX 9 XXXX Date of inquiry : XX/XX/XXXX Did not consent to unauthorized inquiry XXXX Date of inquiry : XX/XX/XXXX XXXXDate of inquiry : XX/XX/XXXX Please remove it from my credit report. 
XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX XXXX  Date of inquiry : XX/XX/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 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

On XX/XX/2022, mortgage documents were executed with Lennar Mortgage/Lennar Homes . We were deceived by the product and community promised by Lennar Mortgage/Lennar Homes . The actions of Lennar Mortgage/Lennar Homes are depreciating our home value and that of every owner here. They have violated State of Arizona and Federal Consumer Protection Laws. 

# 1 - Fire Codes : Lennar did not disclose to us as buyers the red paint and stencil now painted throughout the community. They did not disclose to us as buyers the fire authoritys requested monument or commercial-like design of this monument in scale and appearance for planned install at the front of the community by our main amenity ( playground ), which is shared by both condo owners ( 138 ) and single-family owners ( 181 ) within XXXX [ one gated community ]. Lennar did not request any kind of exception to fire signage from the fire authority ( e.g. one side of the street vs both sides ). They installed excessive fire signage ( closer than the required 75 ) throughout the community unlike any other community in the county including those built by them also. Lennar did not disclose the option for fire stencil on the backflow units at the front entrance of the community. They instead installed signage negatively impacting the landscaped area and overall appearance of the main entrance/exit road to/from the condos. All changes to the community referenced above were done under Lennars easement rights following completion of construction. These changes have fundamentally changed the look and feel of the community in a manner that was deceptive. Many homeowners like myself have stated they would not have bought their condos with the community showing as negatively as it does now. 

# 2- Other Deceptive Practices : Lennar did not clean streets of construction debris, dirt and markings as promised XX/XX/2022. They did not resurface or seal streets as promised following completion of construction XX/XX/2022. They did not turn over final landscape area acceptably at the front entrance/exit road of the condos.

# 3 - Easement Damages following completion of construction : Damages to landscape by Lennars landscape contractor. Damages to landscape and underground landscape water lines ( additional impacts to underground utilities not yet known ). Concrete over-poured above ground on many signs. Concrete repair areas left unrestored to their original state. Front pavers left for obvious repair and burden of work passed to the maintenance-responsible association.
Product: Credit reporting or other personal consumer reports

A collection was placed on my credit report couple months ago, after calling the collection company I found out that an account in New Mexico was opened at a gym, Ive never ever been to New Mexico. I also found out that there were other fraudulent activities on my report. Ive filed Identity fraud theft at my local police department. I see that there is more inquiries on my credit report that I have no knowledge of. Inquiries from XXXXXXXX XXXX XXXX XXXX I have no knowledge of these inquiries. Ive since placed a fraud alert on my report. There are XXXX inquiries that I dnt recognize. Also student loans reporting that is not mines. An address in New Mexico is being reported as my address, Ive never lived in New Mexico.
Product: Checking or savings account

identify you and your account. 
I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account Transactions
Product: Credit reporting or other personal consumer reports

" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( XXXX ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent. 

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them
Product: Debt collection

XXXX   XXXX  Regulated does not have license to practice / collect in Arizona where i reside.      XXXX   XXXX  claims I have an outstanding electric bill.     On  XXXX   XXXX  I received a letter from Contract Callers Inc or  CCI  concerning the  XXXX  account.     I sent a letter to dispute to  Contract  Callers requesting a validation or verification of the bill.     On  XXXX   XXXX  i saw  XXXX   XXXX  put a collection on my credit report.     I called  Contract  Callers on  XXXX   XXXX . Spoke w/  XXXX   .  They told me, that received the bill on  XXXX   XXXX  from  XXXX  and they sent me a letter on  XXXX   XXXX . They told me they had received my dispute ; and noted to me that  XXXX  Reported the collection on my report. I asked to speak to a supervisor and was told the Supervisor  XXXX  didnt want to speak to me.   supervisor  XXXX  ext  XXXX .     I called  XXXX   XXXX  and asked to be connected to the Collection department. I was transferred again to  Contract  Callers.       XXXX   XXXX    NOR Contrac t has followed the process of the Fair Credit Reporting Act.   I am by law allowed 30 days to dispute.     The notice i got from  Contract  Callers was received on  XXXX   XXXX . I responded to the company prior to the 30 day limit.      XXXX   and/or Contract  Callers have violated the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Approximately on XX/XX/2021 I applied for a Job with XXXX. I passed the drug test and was waiting for my background check. When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. When I called the credit reporting agency the first two reps refused to open a dispute and told me I can dispute it after my arraignment. I subsequently called again and was able to open a formal dispute. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a XXXX XXXX XXXX, and this industry wide practice is not only unfair but will put XXXX XXXX XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. 

In addition to XXXX, XXXX also ran a background check from XXXX XXXX again by XXXX and now my ability to do contracting work is also affected. I will open a formal dispute with XXXX as well but the description is the same. 

" When my background check came back it showed that I was arrested on a charge of assault. Though I was arrested I was never formally charged by the District Attorney. I am worried about the way the credit agency reports unfiled cases, while a person can be arrested a person can also remain un-charged. A court date was set as an arraignment is just a formality. The inaccurate reporting will most likely cost me a job and therefore I will be unable to make ends meet. I am a XXXX XXXX XXXX, and this industry wide practice is not only unfair but will put XXXX XXXX  XXXX at an unfair disadvantage as they are more likely to be arrested by Police. If the District attorney has not press charges how can the reporting agency claim that I am charged? In addition, the credit agency by reporting an in-accurate information and or arrests is adjudicating guilt and advising hiring companies that a person is charged without any formal criminal complaint without any clear evidence that a criminal complaint has been filed. ''
Product: Mortgage

I am a Successor-in-Interest/Executor of my late mother s estate and appealing to the Consumer Financial Protection Bureau ( CFPB ) to intervene on the unfair practices of Bank of America. My mother passed away on XX/XX/XXXX. From that date to present, I have timely continued to pay the mortgage note because I am vested in the property as my name is on the deed and Deed of Trust. This is the home where I was born and raised and moved back to live with my mother for the past ten years to assist her in any way possible. Thus, it was imperative that I continue to pay the monthly mortgage payments on time. I contacted Bank of America for an assumption loan of the current unpaid principal balance of approximately {$160000.00} on or around XX/XX/XXXX. Although I intended to obtain an Assumption loan, the Bank of America representative encouraged me to apply for a loan modification. What concerns me is that I was constantly told the loan must be delinquent before I apply for the modification, which I believe is a potential violation of RESPA 12 C.F.R 1024.41 ( a ). Additionally, this advice appears to be an unfair practice ( UDAAP ) as I was being steered to purposely move the loan in a default status resulting in an imminent foreclosure. The XXXX CFPB rules clearly state that A borrower does not have to be delinquent to apply for a loan modification. I had no interest in defaulting and submitted application for the Assumption Loan which turned out to be a frustrating experience because Bank of America continued to request documentation that I had already submitted. Subsequently, I was informed that the loan was denied without a valid reason or notification ; this appears to be a potential ECOA violation ( 12 C.F.R 1002.9 Notification of Action Taken ). After discussing my options with Bank of America, I was told to apply for the better option of a modification on or around XX/XX/XXXX and went through another process of repeated requests for documentation that was also already provided. As I am clearly demonstrating that my primary interest is to prevent a default and keep my family home that is now valued at {$630000.00} with a current loan balance of approximately {$150000.00}. On XX/XX/XXXX, a Bank of America representative told me over the phone that my modification was denied because the mortgage loan was not delinquent. 

As a consumer and professional/government regulator, I initiated my mortgage acquisition process in good faith adhering to and complying with everything Bank of America required of me. However, Bank of America failed to treat me fairly, legally and without prejudice inclusive of potential racial concerns for the purposes of redlining and gentrification. I am appealing to the CFPB to intervene and review the practices of Bank of America.
Product: Credit reporting or other personal consumer reports

What Happened : I am requesting assistance in removing XXXX negative XXXX XXXX accounts from my credit report. These items are currently affecting XXXX of my XXXX credit reports, despite having already been removed from the third report. 

XXXX & XXXX : I noticed that these XXXX XXXX XXXX accounts were reported negatively on my credit reports with XXXX and Experian. 
I filed disputes with both bureaus on XX/XX/XXXX and received responses stating the negative items would remain. 

Actions Taken : I successfully had the items removed from XXXX after a separate dispute on XX/XX/XXXX. 
Following the first dispute denial, I submitted additional disputes and requests for verification on XX/XX/XXXX, but my requests were again denied without sufficient explanation. 
I also attempted to work directly with XXXX XXXX for a goodwill adjustment but received no response.
Product: Credit reporting or other personal consumer reports

I submitted proof to experian for past year, it was proven the information was wrong, and it was continuously reported for two years, under the carmax account, which after two years of incorrect reporting of payment history, balance and status of the account, XXXX allowed Carmax to update information after reporting incorrect information for two years. XXXX has now stopped me from online reporting and using my account to dispute Carmax account, and each time I submit more information, the response is provide more information or can not dispute this account. I am not able to log in and dispute this account under XXXX, they have stopped me from disputing under my account, and continued to reject any of my disputes for Carmax and the only response to my dispute, XXXX can not accept my dispute and refuse to my account under dispute or properly make any changes. In two years, one change was made after I proved the information was reported inaccurate for two years, which gave proof the reporting was incorrect for two years, and the account was lawfully to be deleted, however after two years of illegal reporting, Carmax was allowed to update instead of deleting and the remainder of the disputes have been rejected.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the accuracy of my credit report and request that you delete all inaccuracies as required by the Fair Credit Reporting Act ( FCRA ). The following accounts, Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Under 15 U.S.C 1681 section 602 A, I have the right to privacy. Additionally, under 15 U.S.C 1681 Section 604 A Section 2, a consumer reporting agency can not furnish an account without my written instructions. The credit bureaus are obligated to follow these laws and any violations will result in an inaccurate credit report.

Furthermore, under 15 U.S.C 1681c. ( a ) ( 5 ) Section, no consumer reporting agency may make any consumer report containing any adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. As such, any adverse information related to the accounts listed above should be removed from my credit report.

Finally, 15 U.S.C. 1681s-2 ( A ) ( 1 ) states that a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. As such, I request that the credit bureaus investigate the accuracy of these accounts and delete any inaccurate information.

I would appreciate it if you could notify me in writing of any actions taken as a result of my request. Thank you for your attention to this matter.