23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card

On XX/XX/XXXX I notified NFCU that I was called to XXXX XXXX and requested my two credit card and personal loan interest rates be reduced to 6 % IAW the SCRA. 

On XX/XX/XXXX NFCU confirmed that they received the request and to allow 10 days for eligibility determination and another 30 days for the action to be processed. 


On XX/XX/XXXX, I contacted NFCU for a status update and the representative told me to check back in three days. 

On XX/XX/XXXX, I contacted NFCU via secure messaging and requested a status update and that I'll be launching an official complaint. 

On XX/XX/XXXX, NFCU responded " We have completed the initial review of your request and determined that you may have one or more accounts deemed eligible for Servicemembers Civil Relief Act ( SCRA ) protection. However, due to a high volume of requests for SCRA benefits, we do not have an exact estimation of when your request will be completed. All requests are processed in the order that they are received, and we are working diligently to complete your request as quickly as possible. We would like to assure you that any eligible benefits will be backdated appropriately when your accounts are processed. '' I understand that they may have a high volume of request to process, however that should not affect me or NFCU compliance with various laws. In another two weeks, it will be going on 2 months since the request was submitted. In my opinion, if NFCU is unable to handle the volume of request in a timely manner, then NFCU should contract or hire additional FTE within their compliance department to handle such request. 

As of the date of this request NFCU, still have not processed my SCRA claim for the following accounts : Credit Card XXXX ( 18.00 % ) Credit Card XXXX ( 18.00 % ) Personal Loan XXXX ( 17.75 % )
Product: Credit reporting, credit repair services, or other personal consumer reports

-In XXXX of XXXX i declined to pay {$100.00} to XXXX XXXX XXXX XXXX 
-In XXXX of XXXX i received DEROGATORY ACCOUNT from IC System and my Credit Score was decreased in 30 points.

ATTENTION! ALL FOLLOWING ACTIONS OF IC SYSTEM ARE INAPPROPRIATE AND ILLEGAL! 
XXXX XX/XX/XXXX i received FOUR DEROGATORY ACCOUNTS, {$100.00} each. My credit scores were decreased ANOTHER TIME.

-I submitted complaints, probably, twice, and received a response from IC System they are going to leave me alone, but it never affected my alerts. 
-In XXXX OF XXXX i received already TWO!!!! Derogatory accounts from IC System, {$100.00} each.

-I gave IC System telephone call and requested to solve the issue, but I never heard back from them. 
STOP MESSING UP WITH MY CREDIT SCORES! I WAS NOT PREAPPROVED FOR MY CAR RE-FINANCE BECAUSE OF YOU! I WAS NOT APPROVED FOR CREDIT CARD! 
GET OUT FINALLY OFF MY ACCOUNT! I WILL NOT PAY YOU! NEVER!
Product: Credit reporting, credit repair services, or other personal consumer reports

There is a unauthorized credit inquiry on my credit report. The reporting of this inquiry is violation of USC 1681. Please remove it from my report.
Product: Credit reporting 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. 

Account Name : XXXX XXXX XXXX  XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number:XXXX  Account Name XXXX XXXX Account Number:XXXX  has violated my rights. Or a list of inquiries : 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 XXXX 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: Debt collection

I have an unverified account from ERC. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that ERC provide verification of the following : 1. The original Application or contract ; 2. Any and all statements allegedly related to this debt ; 3. Any and all signed receipts ; 4. Any and all canceled checks ; 5. Original date of default and collection activity begin 6. Whether you purchased the debt, and if so, the amount paid for the debt 7. The date ( s ) the debt allegedly accrued ; 8. An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Product: Credit reporting

XXXX 2015 I remedied a judgement by paying the satisfying amount. I read all disclosures and signed all appropriate documents and the process went smoothly so I thought. I went to my local court house to check if the judgement was indeed satisfied and they confirmed it was. Several month later I noticed on XXXX XXXX a delinquent derogatory report, I desputed this and XXXX XXXX confirmed it was resolved. 2 months later, my wife and I apply for a loan to improve our house and we are denied the low APR rate because of this judgement that I resolved almost a year ago. I feel penalized and treated unfairly. I have been told false information by XXXX XXXX of this being resolved, when it has n't been and again feel I am being held back on an opportunity for a lower rate on a loan that I would qualify seeing this was appropriately remedied!
Product: Credit reporting, credit repair services, or other personal consumer reports

REF : XXXX XXXX XXXX XXXXXXXX XXXX 's has not provided the required documentation that justifies them to be on my credit reports and consumer reports. I've corresponded with them for them to reply with a letter stating this will remain on my report for 7 years, I asked for validation not proof of my current address which they only have because of the mail they've received from me. 

I also disputed it with XXXX XXXX and Experian, and they have not responded either, Well, XXXX said it was verified but didn't provide me with the details of the investigation on how it was verified with what information, is valid and how is it valid, this is getting ridiculous, and these companies are not adhering to the proper procedures that are required by law to my right to fair and accurate reporting. 

I will attach proof of my correspondence with XXXX 's and the letter they sent back to me after I requested validation.
Product: Credit reporting

Acct with XXXX XXXX XXXX still being reported negatively acct was paid in full and should show current paid.
Product: Debt collection

To Whom It May Concern : This letter is in reference to XXXX that your company is currently reporting to XXXX XXXX XXXX and XXXX under my name. The account is being reported to have a derogatory rating which is very troubling to me! I am concerned about my credit because I was recently denied a loan and my existing credit accounts have increased my current interest rates. This negative rating has caused me some serious financial distress and will continue to cause me financial and emotional distress until it is resolved. I just had an addition to my family and now i can get approved for an auto loan because of this derogatory mark. 

In researching my legal rights, I have found several items that I understand I am entitled to under these circumstances. In order to rectify this situation and ensure my rights have not been violated in any way under the various consumer protection laws, I must hereby formally demand an information request! I understand that The Fair Credit Billing Act requires creditors to bill correctly, that each statement be sent to the correct address, that you not ignore change of address requests, and that you facilitate disputed charges in a manner prescribed by law. The Act also stipulates that you provide lawfully requested information concerning my account upon request and in a timely manner. For that reason, I request that you please forward a notarized statement on your letterhead which will attest to your compliance to the FCBA generally and to my account specifically throughout the period I have been a customer. I request, under the FCBA, that you include all of the following for my reference and research into this matter : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

6. 1099 ( c ) IRS Document that you are required to send me.

If you can not provide this requested correspondence, then please delete the negative marks you have reported to the three consumer reporting agencies about me within the timely manner prescribed by law. Your prompt attention to this matter will be greatly appreciated. 

MEDICAL DATA SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX
Product: Credit card

After leaving a dental office at XXXX XXXX XXXX earlier in the day, I visited the office of XXXX. ( XXXX XXXX ) on XXXX XXXX for emergency tooth extraction. .While there and filling out the paperwork, while heavily medicated, I think I was duped into signing up for this credit card. There is NO way I would authorize a {$1700.00} credit card account, nor want or need this credit acct. when my employer 's dental plan was paying for everything. I just think there is some very unethical and very unprofessonal billing practices and receptionist work going on at this facility ( XXXX XXXX
Product: Mortgage

I have a mortgage with PNC bank, who has misapplied my payments on several occasions. They continue to say I owe large amounts of money that I paid. They are not adding up the right amounts and keep taking out the wrong amounts. I have been transferred and feel as though I am being treated this way because I am a Minority. I have called up to seven times in one day and have not received any help. This can not be legal or ethical.
Product: Debt collection

On XX/XX/XXXX I spent XXXX hours and XXXX minutes on the phone with Mohela asking about the status of my XXXX application for discharge. I was told that my payments only amount to XXXX. 
Mohela put me on a forbearance without consulting me XXXX of XXXX and told me this would not affect my payment count, that these months would count towards my XXXX months & payments of service. They asked I give them 60 days to update my payment counts, then I would need to resubmit my application to be considered for discharge, and I could do that as soon as my payment count " on their website '' officially reflects XXXX payments. They said they needed to " send me to another department to talk about the month count '' I was never successfully connected ; the call was cut off. 
On XX/XX/XXXX, I called again. This time I called at XXXX XXXX and was connected after a much shorter hold. I reported to them the whole thing that had happened the XXXX of XXXX, and asked I be connected to the department the representative the night before was attempting to connect me to. They told me it was not necessary, they just needed 60 days, I can re-apply, and would qualify this time, because they again said those months would count. 
Here I am, the XXXX XXXX XXXXXXXX, my husband having received the email from President Biden last week that he is within 2 years of forgiveness, and I did not receive the notice of forgiveness, NOR the notice that I am within 2 years. 
Instead, I get daily emails from both Mohela and the department of Ed that I " may be past due on a payment ''. I am up-to-date on payments and do not have another ( unjustly billed ) payment due until XX/XX/XXXX. 
I feel like Mohela ( and I guess the Department of Education, since they are taking over- oh, and I get to keep having to pay all summer ) is going to give me the run around until the end of time. 
I am a XXXX  employee at an agency that I adore. I have been doing this work. I will continue to do this work. I don't know why they can't hold up their end of the bargain.
Product: Student loan

XX/XX/XXXX submitted my XXXX form payment history was partially updated. A form was mislabeled as duplicate. I called in the beginning at XXXX and was told it would be resubmitted. We are in XXXX and my payment account has still not been updated. 

I also want to remove past in school deferment.
Product: Bank account or service

I had deposited {$1200.00} ( XXXX checks ) in my checking account on XXXX/XXXX/2016. 
I received a letter from the bank ( Sun Trust ) dated XXXX / 2016 along with a copy of my deposit ticket ( both sides ) showing that they received and credited my account in the correct amount, but stated that they debited my account in the same amount for " items not included in my deposit '' I was confused and waited for my monthly statement. When I received this it showed both the credit and the debit. 
I have spoken to several of he employees at the bank bank several times and each have said they need a week or so look into this. 
As of today I still have not received any explanation as to actually why they debited my account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdrafts 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 issues aligns with the recent CFRB 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 card or prepaid card

Credit card with Chase Bank has a large fraudulent transaction on it from XX/XX/2020 for {$290.00} for something called XXXX. Ive tried repeatedly to reach Chase but once I get through the phone tree the call hangs up. I understand call centers are challenged right now but either remove the fraudulent charge or be able to discuss by phone. As it is the charge remains and I have no way to fix it.
Product: Debt collection

I havent got any notice of ways to pay for the debt in the last couple months. I had medical issues and just got notification of lawsuit out of no where
Product: Checking or savings account

I have been charged an excessive amount of over draft fees. 
My available balances have been enough to cover these transactions thag make my account go negative, but the bank is choosing how each pending transactions, authorization holds, or debit car transactions and deposits are processed. Causing over {$1000.00} in fees in one statement period and continuing. 
As a small business sooner, they're taking advantage of me and constantly putting me into negative when my available balance reflects all held or pending transactions and would be sufficient for the additional transactions made, until they start re arranging the order transactions and deposits post
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX 's client XXXX XXXX is a victim of ID theft ; her information was used without her consent to try and establish credit accounts. While the applications submitted were not successful the fraudulent related inquiries were posted to her credit reports. Among this are XXXX XXXX XXXX XXXX XXXX ), where a previous CFBP escalation has already been submitted ( see ref # XXXX ) and Comenity Bank ( XXXX XXXX ). Attempts have been made with these creditors to have these items removed however the creditors have no replied to my client with the results of the dispute as is their obligation under federal law ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I am complaining to you that I am not satisfied to the job of the 3 credit bureaus to remove these fraudulent items yet they seemed to delay. Time has already passed but up until now, I havent heard any kind of response from the 3 Credit Bureaus which made me decide to seek assistance from you. They have shown negligence and an act of refusal of complying with my request. I know for a fact that they are to comply with the Fair Credit Reporting Act law, to provide proof, documents, and give definite and accurate responses, within the given statutory time. However, if they failed to do so, they are obliged to remove the items which are erroneous and unverified. The following items should be remove right away : XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX WASHINGTON XXXX DC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX XXXX  XXXX Balance Owed : {$140.00} ; XXXX  XXXX Balance Owed : {$440.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$390.00} ; XXXX XXXX XXXX XXXXXXXX Balance Owed : {$450.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXX XXXX Balance Owed : {$140.00} ; XXXX XXXX MO XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$13000.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX BANK XX/XX/XXXX ; XXXX XXXX XXXX XXXX XX/XX/XXXX.
Product: Credit reporting or other personal consumer reports

Unfortunately I have been a victim of a data breach and victim of fraud and victim of identity death. As a result, I have noticed some inaccurate and unauthorized accounts reporting onto my console report. The accounts listed below were never open using my consent or permissible purpose or authority. They were open using my personal private information without permissible purpose the following companies never investigated or made contact with me to validate the accuracy of these accounts Experian, Equifax, and Trans Union along with the creditors are in violation of FCRA federal law, as I was never contacted to validate the accounts mentioned. And you may be held liable pursuant to federal law title 15 USC 1681o and title 15 USC 1681N for negligence. Pursuant to FCRA 605B and 15 USC 1681C-two I demand that these accounts be removed within four business days as permitted by federal law
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 items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items listed below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Mortgage

I have personally reached out more than XXXX times to resolve this matter. I have submitted the attached documents in writing to BSI directly and to their complaint department with no resolution. I agreed to and was approved for loss mitigation as of XX/XX/2024. My loan was transferred and BSI Financial Services has failed to uphold an already approved FHA loan modification. I have now received XXXX documents that contain a full breach of contract and violation of FHA rules and regulations.
Product: Credit reporting, credit repair services, or other personal consumer reports

This consumer reporting agency as defined by law has violated my rights under the FCRA for not assuring me 100 % possible maximum accuracy. Every automated complaint that comes back says items are verified when they have not done a reasonable investigation of the items in question Pursuant to 15 U.S. Code 1681e - Compliance procedures section ( b ) says whenever a consumer reporting agency prepares a consumer report it follows reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. To my understanding, the only investigation that credit reporting agencies do is a simple communication with the E oscar system to request verification. Verification could be as simple as a phone number address and name all of which are public information and is not the maximum possible accuracy which would mean that you are in violation of the FCRA. 
These are the Inaccurate tradelines that I disputed that have not been removed or investigated properly. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( Original Creditor : ) XXXXXXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX  XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXX  ) XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

XXXX XXXX sold my XXXX  credit card account to Marcus Goldman Sachs. I was cut off from XXXX XXXX on XXXX. Tuesday I was supposed to be able to sign on with my Marcus account. I have had no access ti my account for 5 days now and have gotten no service from Marcus Goldman Sachs. Long wait times on the phone ( Hours ). no call backs and no website service.
Product: Credit reporting 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. 

Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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 XXXX 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.