23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

I am a veteran with over 20 years of federal service. I have been with Navy Federal Credit Union since joining the XXXX in 1989. I have always considered NFCU a top tier financial institution until this incident. I went to visit XXXX and I was very intrigued by the abundance of opportunities there to grow business. I was sending monies from my NFCU through XXXX. I was initially having any difficulties until XX/XX/XXXX. Between XX/XX/XXXX to XX/XX/XXXX, between NFCU and XXXX over {$9000.00} of my money has disappeared. I have been writing the XXXX companies every since to get resolution and the only thing that has happened is the NFCU closed out my account and XXXX blocked my account from transferred money any further through them. I am being treated like a criminal for asking for my money to be returned to my bank account. Each company say that it's with the other company. I will provide the documentation that shows this. I pray for a quick resolution. I have been put on medication for XXXX and anxiety. I not only lost out on business in XXXX, but I ended up losing my business here and my business account got closed out as well because my seed money and bill money got absorb by one of these companies and I was just starting out. I am disappointed in both companies and I have no trust in either one of the companies at this point. NFCU did not take care of me. On the contrary, they played a major hand in destroying what I was trying to build for myself and my family. I thought that I could trust them to recover my monies. They are FDIC covered. I thought that meant something. The fact that all my messages of all the reports I made to get this fixed are gone also concerns me. My parting advice to anyone reading this : Back up any communications to your own system and make copies of any and all communications to XXXX. If it's left in their system, it disappears.
Product: Debt collection

My names is XXXX XXXX and I am a resident of the state of Georgia. My mortgage servicer XXXX XXXX XXXX and I have been having accounting and servicing issues with my mortgage loan. My payoff is wrong amongst other accounting issues. I sent a QWR to XXXX XXXX  XXXX. XXXX sent me a letter back stating that XXXX XXXX XXXX. was the owner of my loan. InXX/XX/XXXX I decided to call XXXX directly to discuss my payoff. When I called XXXX XXXX they stated that they did not have my names, address or social security number in their data base. XXXX also stated that they do not own my loan or property. I called again in XX/XX/XXXX to make sure the information that was given unto me was proper and valid. In XXXX I was told the same information. XXXX does not own my loan/property ; nor does XXXX have record of my personal information within their systems. 

In XXXX a 3rd party debt collector ( Weissman P.C. ) sent me a letter stating that his firm was attempting to foreclose on my home on behalf of XXXX XXXX XXXXXXXX and XXXX XXXX. 

The Supreme Court of Georgia ( You vs. XXXX XXXX XXXX ) ruled about 6 years ago that only a secured creditor has the authority to foreclose. XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX of Georgia ruling ) states that only the secured creditor has the authority to authorize/advertise a non-judicial foreclosure in Georgia. 

I have put XXXX XXXX  XXXX and Weissman P.C. on notice that XXXX does not own the loan. However, XXXX XXXX and Weissman P.C. are still attempting to collect a debt on behalf of XXXX XXXX XXXXXXXX. These actions are illegal. This is theft. This is immoral and needs to be addressed and corrected.
Product: Debt collection

75 Months Date Opened XX/XX/XXXX Account Status Open Payment Status Paid - Payment Status Details Current, was past due 60 days Paid or paying as agreed - Status Updated XX/XX/XXXX - Balance {$48000.00} This account is reporting on my credit report, its not my account
Product: Credit card

I had closed my account with this credit card company last year but they didn't prevent charges from going through after I closed the account. I continued to make payments to the company but then they locked my access via the website and started to send me short emails that I have payments to make for $ XXXX to pay off the balance. I made the payments and then the emails stopped and they never sent me a closing statement nor a full monthly statement by mail. 
Two months after getting the last email statement they sent me another email notification I have a balance. I paid off the remaining balance in XX/XX/2024. 
Now they're reporting to XXXX  I am 30days late payment and are refusing to remove it
Product: Credit reporting, credit repair services, or other personal consumer reports

While I sought relief under XXXX  XXXX Bankruptcy filed inXX/XX/XXXX and XX/XX/XXXXin XXXX. The obligation with XXXX survives the discharge and since they reported prior to the BAnkruptcy, Bankruptcy code says they must report after the discharge since I am liable and paying this obligation. Mortgagees are treated differently and as secured loans iunder Chapter XXXX and continued to be paid outside the repayment plan. 

Mortgages arent discharged In Chapter XXXX, your liability on your mortgage is an exception to the discharge. 

The mortgage loan is not discharged as a personal obligation. 

And therefore, there is no legal bar to the servicer reporting your payments, and every danger should they not report. 

Heres the part of the Bankruptcy Code that excludes long term debt like your mortgage. 

Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due ; So, among the debts excepted from the Chapter XXXX discharge is a secured claim with a payment schedule that extends beyond the life of the Chapter XXXX plan. 

Servicers obligation to report Put simply, if a creditor reported to credit reporting agencies before the bankruptcy was filed, then there is an obligation to report after the bankruptcy.
Product: Vehicle loan or lease

A fraudulent account and my rights and privacy have been violated. 

Made an uninformed decision when agreed on XX/XX/XXXX. I didn't understand, clearly what I was agreeing to, it wasn't clear and conspicuous to me. There were supposed to be 2 consenting parties. According to 15 USC 1601 ( a ) There was no evidence of indebtedness unless agreed upon when entering into this agreement. Therefore, making an uninformed decision. According to 15 USC 1602 ( g ) Adequate notice wasn't given to me. According to 15 USC 1602 ( k ) Violating my right to privacy and I never gave written instructions for Nissan to report on my consumer report. According to 15 USC 1681 ( a ) ( 3, ) ( 4 ) This has been causing stress and anxiety. It's been reporting on my consumer report for over 7 years, the closing date is invalid. This if fraud I asked for full disclosure and the accounting ledger on a hand written letter/ notice. 

Presented in a handwritten letter. 

Sent a certified letter to Nissan Motor Acceptance on XX/XX/XXXX at approximately XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

15 U.S.C. 1692G - Requested Purchase agreements all attached never received?

- copy of payment history - name and address of original creditor - proff of claim 15 U.S.C. 1692k - civil liability They sending letters with there logo 15 U.S.C. 1692c - communication - requested cease communication form of reporting to credit bureaus remove accounts listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I feel alot of my rights have been violated under FCRA please help this is preventing me and my family from buying my house
Product: Credit reporting, credit repair services, or other personal consumer reports

I have a loan with XXXX and 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX NJ ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, XXXX and 1ST CRD SRVC ( Original Creditor : XXXX XXXX XXXX XXXX NJ ) with no successful resolution. There was definitely an error on their part.
Product: Credit reporting or other personal consumer reports

I payed my remaining loan balance off with 3 payments in XX/XX/XXXX. On XXXX I payed a single loan off with a {$6600.00} payment. On XX/XX/XXXX, Mohela drafted another payment of {$230.00} after I had requested cancellation. That amount included a payment of {$79.00} to the loan I paid off on XXXX. Frustrated, I made a final payment on XX/XX/XXXX of {$13000.00} to pay off the remaining balance on all of my loans. Mohela still has not paid me back the overpayment of {$79.00}, and has not updated my credit report since XXXX, so my loans still show a balance of over {$20000.00}. I've called Mohela, and their response was to say my payments were made in XXXX not XXXX ( untrue ) and I needed to wait 30 days. When I told them it had already been 30 business days since the date they said I made my payments ( XX/XX/XXXX ), the rep basically said I just needed to wait. 

On XX/XX/XXXX, I submitted a complaint on studentaid.gov and have not received a response or notification that my complaint is being investigated. 

On XX/XX/XXXX, my XXXX report changed to show that I owe Mohela {$79.00}. The other agencies are not showing an update. 

On XX/XX/XXXX, I filed a dispute with XXXX and XXXX. Mohela verified a balance of over {$20000.00} with XXXX almost immediately, and my dispute was denied despite the fact that I uploaded documents from Mohela stating my accounts were paid. My credit report now states that I'm in good standing, but my balance is the same as it was in XXXX of XXXX.
Product: Credit reporting or other personal consumer reports

Back in XXXX around XXXX my mother went into XXXX looking on line for good XXXX and to put her under my XXXX I went to a company called XXXX XXXX little I know that my nightmare would just begin well got my mother in hospital evrything we nt we ll then after that I didnt check my credit till XXXX and then I saw what had happend in my silence my credit was used to gain not one but three mortgages so after seeing this I went immeditley to the police station reported it and XXXX on going investigation agent XXXX XXXX told me to not place afraud alert or anything we will be monitoring the situation directly and then in XXXX and this year inquirires have started to come up so they told me in XXXX of XXXX to dispute with the credit agencies, that did not help recived a letter stating it was not me sending letters called and told them off it was me sending the information they rejected my people work wont assit me over the phone getting the run around from department to department please help me straighten this out I am tires of the run arounds I need your assitance please!!!! here are the negative accounts and inquirires XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting

As per the creditor XXXX and the credit reporting agency ( Equifax ), I 've waited 60-90 days for my XXXX bank account information to update and report. As of today 's date this information is still not appearing on my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The account I'm challenging has nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the account : XXXX ( Original Creditor : XXXX XXXX XXXX XXXXXXXX Balance : {$1300.00}
Product: Mortgage

On XXXX new home owners were denied transfer of solar loan based on low income. 
Then, on XXXX, new homeowners reapplied with a credit score of XXXX and a household income of XXXX and were again denied, this time with no explanation for denial. As the current owners of the home, our household income which initially qualified us, was way less, XXXX, and we were approved. 
Mosaic loan company has not provided us with any guidelines as to what the new home owners need to meet for approval or denial of a loan transfer. They have also not provided any of the parties with a direct contact for the loan approvals, stating that the loan officer can only go as far as gather the information but it is up to a legal panel ( only reachable via email and not direct contact ) that will approve or deny the transfer. This has delayed the sale of our home, which the new homeowners have been approved for, by over a month, to the point the new homeowners are about to time out on their home loan application.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I went to a XXXX XXXX XXXX  in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report. Where is the credit app? Ive tried to resolve this multiple times. everyone seems to think it's funny except XXXX XXXX. Since they think it's funny, I would like to seek damages according to : 15 U.S. Code 1681n - Civil liability for willful noncompliance. I want XXXX dollars per willful violation for damages to myself, business and employees. I will submit evidence
Product: Debt collection

I sold and mailed an item to a buyer using US postal services to send. The buyer never asked for tracking, despite my asking them to do so.

The item was mailed and payed for thru Paypal 's money service.

The buyer states they never received the item and filed a complaint with Paypal. I responded to the buyer 's complaint by providing PayPal with copies of the US Postal mail receipts and as it was sent oversees the customs form copy showing the address the item was mailed to.

Paypal wrongly sided with the buyer and is trying to wrongly collect a {$2.00} charge, which is the difference of the {$48.00} charge they reversed charged to my account.

I called them to dispute the charge and was told by their operator, verbally they were pursuing collections actions against my me for the {$2.00}.

This is wrong, I did as I was supposed to mailing the item as the customer requested, they not receiving it in their country is not my fault, and Paypal is taking the easy way out by trying to wrongly collect a debt on a US individual as they I believe can not go after the foreign person.
Product: Credit card

On XX/XX/XXXX I purchased a XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I paid a local mechanics shop to install the part, but it did not fit my XXXX XXXX XXXX despite being listed on the website as being able to fit on the website. I email XXXX XXXX and they agreed to accept the part as is for a return. After receiving the part, they refused the return and sent it back to me. I am now stuck with a short throw shifter I can not use and can not return. I initiated a dispute with my credit card company, ELAN FINANCIAL SERVICES FIDELITY FIDELITY REWARDS VISA. After reopening many disputes with them, and them being decided in favor of the merchant, it was ultimately closed against me. I am very disappointed in ELAN FINANCIAL SERVICES FIDELITY FIDELITY REWARDS VISA for deciding against their customer when I did no wrong and suffered monetary damages in excess of the cost of the merchandise I purchased.
Product: Debt collection

This alleged debt with XXXX XXXX Medical Center is being reported to all three collection bureaus in the amount of {$300.00} for a XXXX in 2015. This {$300.00} was paid to XXXX XXXX prior to my XXXX. It was later refunded to me by XXXX XXXX as I had met my yearly out of pocket deductible for 2015. Therefore, I do not owe this debt. Please check with XXXX XXXX for accurate information.
Product: Credit reporting, credit repair services, or other personal consumer reports

The items listed below are reported on my personal credit file and were found in my reports with 3 credit reporting agencies. These items were opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The credit reporting agency ( CRA ) & data furnisher ( DF ) are not complying with federal law in regard to identity theft. Additionally, the credit reporting agency & data furnisher have not provided me with any evidence of an open contract, signed contract, or any valid proof this was opened, authorized, or created by me. Since this is a strict violation of FCRA laws I need the items removed from my file. 
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Product: Credit card

On Sunday XX/XX/XXXX I opened an envelope to find an Amazon.com Chase Visa credit card. A card for which I never applied for, never authorized nor did I want.
Product: Credit card or prepaid card

Purchased phone case over the internet from XXXX XXXX. Case arrived and was not as described. Logo was a sticker on a phone case. The item described was a logo infused into the plastic case. I contacted merchant who wanted me to return the item to XXXX for {$35.00}. However, the item was received from Kentucky and only cost {$25.00}. This made no sense. I issued a credit card dispute with Discover and was advised there was nothing they can do. The internet Provider is allowed to XXXX me for false advertisement of merchandise and force me to send it to XXXX to avoid people from pursuing a refund. This is fraud and Discover Card is promoting it and forcing their customers to pay it. This is WRONG!
Product: Credit reporting or other personal consumer reports

My loan balances remain at {$0.00}, but not reflected on the credit agencies. Despite multiple attempts, XXXX has not updated my credit report since XX/XX/. Despite providing evidence and submitting disputes with the credit agencies, XXXX reaffirm the reported balances to each agency. The mortgage letter I submitted as evidence did not have the desired impact. When contacting XXXX about the balances, who confirmed with me a XXXX balance, I was also informed that balances are updated monthly, despite the evidence to the contrary. I requested a copy of the information used to justify the reported balance with the credit agencies, which they are required to provide, but was only directed to download my mortgage letter and provided with no further details or timeline for the update.The mortgage letter provided no benefit in advancing my case, The credit agencies did not take that evidence into serious consideration when they should have as it is a document from the lender.
Product: Credit reporting, credit repair services, or other personal consumer reports

received a letter from United states marshall services that a data breach occured currently i am receing all kinds of credit requires on credit report along with collections.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Experian Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Experian has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX/XXXX  XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX and Equifax have my current address incorrect. The address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Missouri XXXX is a property that XXXX XXXX owns. 
My Address is XXXX XXXX XXXX XXXX XXXX Missouri XXXX. 
I have asked them to change this for several years and they ignore me.
Product: Credit card or prepaid card

My Tap-to-Pay feature is not working on my card. I went to the bank five weeks ago and requested a replacement card. I asked if I would be able to continue to use my existing card. He said yes. The new card would have the same number and I should dispose of the old one when the new one arrived.

I waited two weeks. No card. I went to the same bank and talked to another teller. She checked and said the card should arrive in 5 to 7 days.

I waited two weeks and then decided to use the portal for the bank to replace a damaged card. One week later, no card. 
My wife tried to use the card and it came back declined. I had the same problem yesterday. 
I called today and talked to a rep. He told me the new card went out yesterday. He told me it would have a new number. The old account was closed. I got angry. I have several accounts I have auto-pay on the card that I will have to notify and change the number. I have already had two accounts contact me about non-payment. I would never have done this if they had not lied to me about the usability of the card. 
I need the original account re-opened and a card that works on Tap-to-Pay. I don't think this is an unreasonable request.
Product: Credit card or prepaid card

I applied for the Chase Freedom Unlimited credit card in XX/XX/2022. Prior to XX/XX/XXXX there was a promotional offer for 5 % cash back on gas station purchases, but starting XX/XX/XXXX the Chase website offered me 5 % cash back on grocery store purchases. This convinced me to apply, however, I saw that in some places on their website the offer still said " gas '' while in others it said " grocery ''. I called their customer support line and they assured me that if I applied, I would indeed earn 5 % back on grocery store purchases for the first year. After getting the card, I noticed I wasn't receiving this bonus. After calling them, explaining the situation, and even letting them listen to the recording of my prior phone call where I was told in no uncertain terms I would earn 5 % back on groceries, they sent me a letter 2 weeks later saying " Please accept our sincere apologies for the misinformation regarding the 5 % cash back offer on grocery store .... We are unable to match 5 % Cash Back on grocery store as this offer is not available for your account. '' This is not the information provided to me when I applied for the card, and if I had known it then, I would not have applied. They directly admit to misleading me with misinformation and practicing bait and switch tactics to get me to sign up for their card, yet refuse to make it right after I have called them twice now.