23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I bank with Navy Federal and several times they've waited several days to post the money I've spent. Here recently I went to a restaurant and it didn't get charged to my account until four days later, same with my car note. I paid it on the XXXX as I do every month and it did not come out of my account until the XXXX leading me to believe I had more than what I actually had. Several times I've had to move money from my saving to checking to prevent it from becoming negative.
Product: Mortgage

My home in XXXX XXXX< Florida was badly damaged in Hurricane Michael, after hiring a Public Adjuster I received my final insurance settlement on XX/XX/2019. I mailed the checks to Lakeview loan servicing XXXX, ( XXXX XXXX XXXX ), who bought my V A loan. I began the process to repair the home. I submitted contractor information and invoices, all were denied with no reason given, I hired a GC, Licensed roofing contractor, that all the other homeowners in my quadraplex agreed on, paperwork was denied. The contractor has done the work for all of us everyone else had no problem getting payment approved. I paid for emergency services, right after the storm, claim denied, local licensed contractor. I applied to the SBA Disaster Assistance Disbursement center, was granted a relocation loan to pay off the balance of the mortgage and borrow the money to buy a new home, I notified the mortgage company in writing of this transaction from the beginning, after 6 months of hard work on the part Mr. XXXX XXXX, and Ms XXXX XXXX of the SBA Disaster Assistance center, we made arrangements to finalize the loan, XXXX XXXX denied us access to escrow money ( {$230000.00} ) from my insurance settlement, they have blocked and denied all efforts to pay off the loan, and now insist that we pay {$270000.00} to close out the loan? I just want to be free of these criminals, I have been homeless for a year, I am a XXXX Veteran and this is a V A loan, how can they keep the money, offer no co-operation to the SBA and just behave as if this money is theirs? I have been lied to so many times I can't count them, have sent documents from the SBA and many faxes requesting closure, all denied, the SBA and myself started the closure process with a conference call on XX/XX/2019, the company is still stonewalling us, sent me an email saying that this has been resolved, no documents, one phone call, saying that they did not know how things got this way. I have sat down with the Veterans Justice Outreach Program, and spoken with an attorney, have filed a complaint with the Florida Office of Financial Regulation, as suggested, know I ask you please help, these people are doing the same thing to a lot of other people, XXXX XXXX service members, Veterans and many more, check them out on XXXX site, lots of complaints. Thank you for any assistance XXXX XXXX XXXX XXXX, XXXX XXXX XXXX " XXXX XXXX '' XXXX XXXX XXXX XXXX, FL C/O XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX< FL XXXX
Product: Mortgage

I HAVE SENT THREE PAYMENTS FOR THE FINAL PAYMENT. 
XX/XX/2021 E-CHECK FOR {$500.00} - REFUSED XX/XX/2021 E-CHECK FOR {$470.00} - REFUSED XX/XX/2021 MAILED OUT PAPER CHECK {$470.00} - NOT CASHED
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my XXXX endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX Balance : {$860.00} XXXX XXXX Balance : {$630.00} XXXX XXXX XXXX Balance : {$0.00}
Product: Checking or savings account

I am overseas at the moment- XXXX. I have a XXXX bank account as I am a XXXX XXXX. 

I attempted to transfer money from my Citibank XXXX account to my Citibank XXXX account. The wire transferred failed and Citibank XXXX wanted to verify my account. I am unable to verify my account as I do not have a XXXX based cell phone. They have locked out my account and I am unable to access. They offer me no other way of verification. The transfer is between two accounts I have transferred money between on numerous occasions for the past 10 years.

I have no way of accessing my money. I can not close the account nor can I access. I am completely without necessary funds. 

Citibank Acc # XXXX
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX has violated my rights. 

I am filing a complaint against XXXX, XXXX, and Transunion for failing to properly investigate my disputes regarding inaccuracies in my credit report. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX, XXXX, and Transunion 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's administrative proceedings ( File No. 2025-CFPB-0002 ) against them for similar violations. I request the CFPB take action to ensure XXXX, XXXX, and Transunion complies with federal law. 

15 U.S.C. 1681i section 602 A. states that I have a right to privacy.

15 U.S.C. 1681i Section 604 A Section 2 ; States a consumer reporting agency can not furnish any account without my written instructions. 

XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX 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 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: Credit reporting or other personal consumer reports

XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX I am formally lodging a complaint against EXPERIAN for the inaccurate reporting of a XXXX  on my credit report, which constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ). Below, I detail the relevant statutes and stipulate the necessary corrective actions : XXXX. Inaccurate XXXX  Reporting : EXPERIAN has erroneously listed a XXXX  on my credit report, which is patently inaccurate and baseless. This misrepresentation critically impacts my financial standing and violates my rights under FCRA provisions. 

XXXX. Violation of Privacy Rights Under FCRA : Per 15 U.S. Code 1681 ( 4 ), it is stipulated that as a consumer, I have an unequivocal right to privacy concerning my credit information. By disseminating incorrect XXXX  information, EXPERIAN is in blatant breach of this statutory protection. 

XXXX. Lack of Permissible Purpose as Mandated by FCRA : As defined under 15 U.S. Code 1681b ( a ) ( 2 ), any consumer reporting agency is mandated to have a legitimate permissible purpose to disclose consumer credit information. The unlawful inclusion of inaccurate XXXX  information without due diligence and accurate verification flouts compliance with this regulatory requirement. 

XXXX. Insufficient Reinvestigation Process : Despite my previous disputes regarding this incorrect information, EXPERIAN has defended its erroneous reporting without conducting a thorough and meaningful reinvestigation as required under 15 U.S. Code 1681 ( a ). The failure to correct this inaccuracy reflects a systemic disregard for compliance with FCRA mandates. 

The inaccurate and unfounded reporting of XXXX  by EXPERIAN is not merely an administrative oversight but a significant violation of the FCRA. The continuation of such discrepancies undermines my right to accurate and fair credit reporting, I implore the CFPB to prioritise this complaint, enforce compliance with FCRA standards, and ensure the swift rectification of my credit report. 

Thank you for your prompt attention and action regarding this grave matter. I eagerly await your response and resolution. 

SINCERELY, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX These inaccurate unauthorized unknown accounts transactions and experiences are non public personal information excluded from Consumer Files. Equifax willfully neglecting to block information after receiving identification information and FTC identity theft report. I am a victim of identity theft by these inquiries and EQUIFAX due to Privacy laws violations. Including the Privacy Act of 1974 and FCRA obligations to Privacy and identity theft obligations of furnisher
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  has mixed accounts with other social security numbers and ruining our credit reports. Attached you will find screenshots of what these people did on a family members report including my name and social security number along with another social security number Please have these people not harass me or my family Experian XXXX and XXXX keep posting information that is not accurate on all 3 bureaus one says no collections and another these thugs from XXXX XXXX
Product: Credit reporting or other personal consumer reports

This complaint is against Best Buy and Citibank for Security Fraud. I've brought this to the attention of Best Buy but they have ignored my attempts. This has been an ongoing issue but hopefully after this report, I won't have to deal with the constant inaccurate information on my credit report. According to the company 's SEC files ( Best Buy and Citibank ) I am entitled to interest payments that I never received. This would only come with knowledge or careful research of the companies SEC documents but to be specific, here is an insert from those particular documents : Citigroup Inc and XXXX XXXX XXXX XXXX XXXX XXXX titled ; Form of Senior Debt Indenture between Citigroup Inc and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Section 7.04. Persons Deemed Owners ( a ) The company, the Trustee and any agent of the company, or the Trustee may treat the Person in whose name any security is registered as the owner of such security for the purpose of receiving payment of principal of and ( subject to section 3.08 ( b ) ) interest, if any, on, such security and for all other purposes whatsoever, whether or not such security be overdue, and neither the company, the trustee nor any agent of the company, or the trustee shall be affected by notice to the contrary. All payments made to any holder, or upon his or its order, shall be valid, and, to the extent of the sum or sums paid, effectual to satisfy and discharge the liability for moneys payable upon such security. Best Buy Preliminary Prospectus Supplement, Repayment at Holder 's Option ; Any Tender of a debt security by the holder for repayment will be irrevocable. Any repayment option of a holder may be exercised by the holder of debt securities. In accordance with their SEC Files, 31 CFR Section 328.6, The Securities Exchange Act, and the Electronic Funds Transfer Act, I sent a Registered Endorsed Security ( Negotiable Instrument ) through recorded mail on XX/XX/XXXX and XX/XX/XXXX to both Trustees of Citibank and Best Buy for full satisfaction and discharge of said account with no response from them, which is a violation of the law and the THEFT of my securities. Also, make it known that the IRS has provided me documentation that the debt has been discharged and canceled. The SEC documents revealing my right to receive payment along with their non-compliance validates SECURITY FRAUD.
Product: Debt collection

On XX/XX/22, I purchased a washer and dryer set from XXXX. I made the purchase online using my credit card. I am attaching the purchase for reference. 

On XX/XX/22, I went to XXXX to make a purchase and was told that there was a hold on my account. After a lengthy discussion with managers I was told that there was an issue with payment on my previous purchase. I was told that they had already sent this order to collections. I informed XXXX that I had received no notification on this so this was all news to me. I then spoke to the Store manager of the XXXXXXXX XXXX XXXXXXXX ( XXXX XXXX ). I emailed XXXX at XXXX the copy of my receipt. 

I've asked numerous times over email for someone from XXXX to call me and have not received a call. 

I received notification in the mail last week from National Service Bureau , Inc . I responded back that this is not my debt but have not heard anything.
Product: Debt collection

I was a victim of identity theft. Central Credit Services are trying to collect a debt that I do not owe. CCS received my information from XXXX XXXX XXXX.
Product: Mortgage

My current credit rating is between XXXX. We have approximately XXXX in credit on our principle property. I applied for a loan with TD bank in the amount XXXX for debt consildation. The sent me a letter stating I was tentatively approved for the loan. They requested documents pertaining to my existing loan XXXX proof of insurance, XXXX, etc and gave me three days to get paperwork together. XXXX letter wa predated one week prior to receipt ). Once all documents were in place, TD bank requested additional documents not previously documented in letter. My husband and I also own a rental property we are in the process of selling. After two months, I received a call from XXXX XXXX XXXX stating my loan is declined due to loss of money from our rental property. We are renting it at a XXXX loss/month. I strongly believe the denial of this loan is race based. I have a very strong credit rating and have never defaulted on a loan. We also have positive equity with XXXX properties. Their explanation is nothing short of preposterous!
Product: Checking or savings account

I noticed my card was misplaced so I went online to check my account and noticed that XXXX dollars was missing out my savings account. I filed a claim with the bank stating that I didnt authorize anyone to take the money out my savings account but they refuse to look into the matter further.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the the erroneous accounts and inquiries several times with you to no avail. You sent correspondence stating the account in question WAS PREVIOUSLY INVESTIGATED. I proceeded to access my Credit report through your respective websites and made copies of the information pertaining to : XXXX XXXX XXXX XXXX XXXX Balance {$52000.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance - XXXX XXXX XXXX Bankruptcy Reference Number XXXX Date Filed XXXX XXXX, XXXXXXXX XXXX XXXX  Inquired on XX/XX/XXXX XXXX XXXXXXXX XXXX XXXXXXXX Inquired on XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXXXXXX XXXX XXXXXXXX on XX/XX/XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXXXXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX - XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX  XXXX # XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXXXXXX XXXX XXXX XXXX  Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXXXXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX. XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant. It has been over 30 days since the Credit Bureaus received my dispute and I have not received any other notices that my dispute was determined as being frivolous or irrelevant and yet the item still remains on my file with a last investigation. Based on the previous information, I am hereby demanding deletion of the disputed accounts from my Credit file pursuant to 15 U.S.C. 1681i ( a ) ( 1 ) ( a ). I will NOT accept another reinvestigation of the account, ONLY deletion.
Product: Checking or savings account

Bank Closed My Bank Account Down For None payment Wells Fargo Prime Checking and Checking And Savings Account Down For None Payment XXXX Another Account For XXXX Then My Savings Account Where Was Collecting Unemployment Money Closed Wells Fargo Account Then Left My Investment Accounts Open For Funds, Filed For XXXX
Product: Mortgage

I am trying to make additional payments against the principal on my mortgage with Freedom Mortgage, the servicing company. This is a new mortgage ( XX/XX/XXXX ). I make the normal monthly payment directly to them via EFT from my bank. This monthly payment is for servicing the principal, interest and escrow. 

I tried to make an additional payment directly against the principal by sending a check. The check was notated to indicate I wanted it applied to the principal. I sent the check with a letter of explanation that the payment was for servicing the principal only. 

After Freedom Mortgage received the letter of explanation with the payment, they recorded it as " unapplied funds. '' Unapplied funds are held until there is enough to submit a regular payment to service the principal and interest. When I saw this on my statement, I called to request an explanation. 

I was told that in order to make a payment against the principal I would either have to use their web application and provide payment method information or call every time I sent a check and request verbally that the payment is to be applied to the principal only. The representative that relayed this information was XXXX, ID # XXXX. The date and time of the call was XX/XX/XXXX at XXXX. 

The online web application does not allow principal payments only. Rather you have to use their application to submit a principal payment together with the regular payment. To do so one must provide payment method information ( bank account, credit card, etc ). As I stated, I service the mortgage via EFT from my bank account. 

This business practice seems to intentionally make it difficult for a consumer to make a payment against the outstanding principal balance. This is evident in their web application intentionally omitting functionality that would allow a consumer to make a principal payment only. The other issue I have is that they do not openly disclose this, rather the consumer has to proactively engage the company to discover this practice. Because of not applying the amount to the principal as I instructed in writing, I incurred additional interest on an outstanding balance that should have been reduced by my payment. 

Is this behavior from freedom Mortgage compliant with the existing consumer protection laws?
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent certified letters to all three credit bureaus requesting an investigation and deletion of the cash net USA from My credit reports. I am facing an extreme hardship and this account is effecting my credit negatively I have been denied credit and Loans for House purchases. I sent all the proof they need to have this deleted and they all have violated the FCRA laws, which are in place to protect consumers. The credit bureaus have a responsibility to report accurately and to respond to disputes in a timely manner. 
And they have ignored me.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XX/XX/2022 I sent a letter to the XXXX XXXX XXXX XXXX XXXX XXXX and asked for a report of what I was being charged for since I was an employee of the company that charged me these amounts and never ever sent me a certified letter letting me know of the charges so I could have taken care of it before the owner had sold the property of XXXX XXXX XXXX XXXX. I did a forwarding address when I moved, they never sent me anything, i found out about it after I was denied for an apartment. I reached out to them, the lady that answered the phone was so disgustingly rude and did not answer any questions, she hung up on me several times. So I sent a letter asking for them to mail me a copy of the charges, I have never once received a document from them. I have been told and seen on the XXXX that they have done this to several others. All I want to know is why and what I have been charged for and why was I charged after the selling of the property, I could have pressed charges on the property XXXX XXXX XXXX for throwing a file at me in front of an entire office staff and residents! She terminated my position while going through XXXX XXXX treatment and left me in no position to pay fee 's that are not for rent, any charges on my account are not due to any rent since I was an employee and paid my rent on time. I need help with this awful company, they will not talk with me or send me what I have asked for.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX Recently, I XXXX XXXX did an investigation on my credit report and found unverifiable, invalidated, inaccurate and questionable items that XXXX, Experian, XXXX didnt make sure it was reporting 100 % correct.

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S code 1681 e ( b ) and 15 U.S code 1681i ( 5 ) these accounts are in violations of not reporting 100 % accurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

OnXX/XX/XXXX I faxexd over my request for dispute with Transunion for the following accounts, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX. As of today 's date,XX/XX/XXXX, I have yet to receive any correspondence from them in regards to the results of the investigation. It is well over the 30 days allotted for the investigation to be started, completed and results sent back to me. They didn't respond with 30 days as required.