23daVinci/CFPB_Complaints huggingface dataset:
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 XXXX XXXX # 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 repor
t 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 card or prepaid card

XXXX XX/XX/XXXX CFPB, I am XXXX XXXX. XXXX. Navy Federal Credit Union is NOT in compliance with your " Cease and Desist-ORDER '' dated XX/XX/XXXX. I've negotiated with NFCU concerning my Visa Account ; with letters ; Messages on my account website and contacted NFCU's-Personal Finance Counselor. They won't negotiate lowering interest rate from 15.24 % to a much lower rate. I slowed use of NFCU by stopping/slowing withdrawals and use in XX/XX/XXXX. Now I get Harrassing texts onm cell phone and Blocking access to my Checking Account activity. Website shows Checking balance but Can't Open " Checking Account '' to view actual Deductions.

Gentlemen, I don't know what else to do!!!! 
They obviously continue to " VIOLATE '' your ODER. This is XXXX. What happened to Complance with " Your Order ''?

I need help to get this Visa Account to a manageable place! I will pay this debt but NFCU must have Targeted Me for some reason! 

I hope you review my Complaint. Communication and other banking issues are also present. Rogue Banking! No Compliance. No personal interaction with NFCU Members! 

Sincerely, XXXX XXXX. XXXX NFCU Member since XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a account witth XXXX paid in full that I closed on XX/XX/2005 It still shows on my exuifax credit report. I was told the limit was 10 years
Product: Debt collection

National Credit Adjusters has reported a debt for a company called " XXXX '' on my credit report for {$2100.00}. Attempted to dispute debt and have requested validation of debt. Disputes have come back as " Debt confirmed ''. No paperwork or anything sent.
Product: Debt collection

My student loan servicer is Pioneer Credit. I let them know that I was having a financial hardship because my husband was now XXXX and i had small children and i didn't know when i could pay them, they set me up with a payment rehab, but it was an individual one for each of the loans that I had and they told me that that was the only thing that I could do, i did it to try not to damage my credit any worse ... once my time ran out there I then called back and was told that had I not taken the rehab program that I would have qualified for forebarance, but now i don't because i agreed to the repayment option and because i didn't make all six payments for the rehab program that I didn't qualify for that anymore either. I didn't work for 7 years because of his accident and my children. Now i begin working and im going through foreclosure and so i file all three years of my tax returns and i am set to recieve back {$10000.00} and of course they garnish my taxes .... I then call and tell the that money was supposed to save my house and they tell me if i fill out an application and send foreclosure paperwork that they will give me my money back, but i have to do it within 30 days they don't send the papers after a week i call back and the representative admitted that they didn't send the paperwork, but said if she sent it out now i wouldn't get it in enough time to send it back to them anyway ... .. I now can't file my taxes even though we are in a pandemic because when I do they are going to take that again because when i called pioneer to say ok so you have {$10000.00} of my money can i go into repayment so you don't take my next years taxes she says no because you have to set up a repayment plan and you need to pay {$150.00} to begin the repayment plan!!!!! I said you just got a {$10000.00} payment that doesn't count and she says no ....
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX. XXXXXXXX XXXX - XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and EQUIFAX has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than XXXX XXXX I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit card or prepaid card

My dispute is mostly with XXXX and XXXX but it was purchased with my Amex card and they are handling the dispute but in a very slow manner. 

In XXXX a XXXX handbag was purchased for {$3900.00} or so. Express/Next Day shipping was purchased and it should have been received on that Friday XX/XX/XXXX. As the day went on into late afternoon Friday, I called XXXX and they insisted that the package was in XXXX ( my destination ) and that it would still be there by XXXX at latest because oh holiday hours. I just had to be there to sign in. 
The package did not come. 

I called XXXX and XXXX on the following two days because each day it was said that the package was being delivered on the weekend and they still did not come. XXXX did give me {$21.00} back for shipping. 

On Monday XX/XX/14 I was on the phone with XXXX and XXXX around the XXXX XXXX time with more excuses and promises of delivery on this day. Because of how my schedule has be effected throughout the past three days I really didnt want to be consumed by this all again. Both parties made clear that if I didnt sign it on this 4th day of waiting, the package would be sent back to warehouse until the following day. 

At around XXXX I get an email notification saying that the package could not be delivered. I called in and service rep was saying that it was delivered which was false as I was home and its also confusing considering the email received. 

XXXX says that XXXX delivered my package and that it was signed which is impossible. I believe that XXXX employee either didnt deliver my package or signed it and left it somewhere else. This has been something that I have since researched and seen has been happening with some delivery companies. A police report was also submitted. 

When I originally fought this with Amex for fraud or stolen purchase, they said that they would jump right on it and it falls under Amex protection either way. After an initial review, my account was credited and then reversed with the resolution date constantly changing. 

This has been frustrating through a number of ways and has put me in a deeper financial burden without anything to show for it or reasonable way to account moving forward.
Product: Checking or savings account

On XX/XX/XXXX, I started receiving emails from Chime about an account that had been opened. I have never heard of Chime before, and thought it was just spam and ignored it. Today I received a debit card in the mail for the account. I went to the chime website and submitted a " Forgot Password '' request and got access to the account. 

The account was created using an email address I've never given out or used for anything, but just forwards into my day-to-day email. 

While there were no charges against the account, and I was able to call in and get the account closed today - a XXXX search showed this happening to many other users. It seems Chime might be creating accounts for users without their permission as a marketing tactic or something? Anyways, it seems immoral at best and probably illegal in some way.
Product: Credit reporting or other personal consumer reports

Remove immediately from my credit report based on previous reports time the company reporting will provide and dates based on the laws not my personal feelings. XXXX XXXX and Experian are all call conspirators of this crime listed below there should be a Rico charge if they dont remove immediately. 

25 CFR 11.417 - Extortion. 

18 U.S. Code {$1300.00} - Securities and commodities fraud 18 U.S. Code 1033 - Crimes by or affecting persons engaged in the business of insurance whose activities affect interstate commerce 18 U.S. Code 1028 - Fraud and related activity in connection with identification documents, authentication features, and information
Product: Credit reporting or other personal consumer reports

My credit report has listed accounts that do not appear to be mine or contain inaccurate information.
Product: Credit reporting

I filed Chapter XXXX. I received a XXXX settlement and filed a dismissal that was voluntary. They continue to show wage earner plan and this is not accurate. I have filed several disputes and still same run around. I have XXXX mortgages XXXX XXXX XXXX and XXXX XXXX as creditors. They show paid but wage earner plan this ie not accurate. I sent my HUD Settlement where the house sold and both we paid by wiring funds directly to them. They have all documents and still refuse to correct and show sold they show payments made through wage earner plan All their information is wrong and I am being affected by my score and they continue to report errouneous info.
Product: Credit reporting, credit repair services, or other personal consumer reports

Im a victim of identity theft someone got my XXXX  card and used it, when I first noticed it I called the company and let them know what had happened, they closed the account and sent me a new card. And up to this day theyre still asking me to pay for something I didnt used.
Product: Credit reporting or other personal consumer reports

There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

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

SchoolsFirst FCU continues to report inaccurate information on my consumer report. Per 15 U.S. Code 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies " 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. " The IRS clearly defines a charge-off as GROSS or Ordinary Income. Income does not get reported on a consumer report. I filed a 1099-C on two accounts with the IRS that have been accepted. As of now, SchoolsFirst FCU is prohibited by law to continue furnishing inaccurate information on my consumer report. 

Also per 15 U.S. Code 1681a ( 2 ) ( i ) - ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; It is also prohibited for SchoolsFirst FCU to report any transactions or experiences between the consumer and the person making the report.
Product: Debt collection

I have contacted TransWorld Systems numerous times regarding a collection account showing on my credit reports. I have also disputed this account multiple times with all three credit bureaus. The company they are saying is the original creditor is XXXX XXXX. I do not and have never lived where XXXX XXXX offers services. This is not my account. 

The address that Transworld Systems is telling me is on the account is not an address that I have ever lived at nor heard of. From my understanding, the collection company must provide some type of proof when I dispute the item. The company has clearly not provided the credit bureaus any proof as that would be impossible. I have been receiving constant mail from TransWorld Systems as well as constant harassing phone calls at very odd hours. I have been putting off filing a lawsuit against what appears to be a fraudulent company. At this point I am trying to buy a home and this incorrect negative account is causing my family great distress. Since TransWorld Systems as well as the three credit bureaus are unable to assist with this incorrect account that do not belong to me, I am requesting an investigation from the CFPB.
Product: Credit reporting or other personal consumer reports

I need your help with this inaccurate account listed on my credit report, which has hurt my reputation. The mismanagement of my credit report has severely harmed my standing, and I urge you to correct this and remove the inaccurate information.
Product: Credit reporting or other personal consumer reports

I reached out to the Bureaus with a letter about the mistakes and unknown items on my credit report, but unfortunately, I haven't received a response in more than 30 days. It feels like my concerns are being ignored, and I'm starting to feel exploited. According to Section 611 ( a ), if these matters aren't addressed within 30 days, they should be promptly removed from my credit report. This situation has caused me a lot of stress, and I may have to consider legal action.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to address a matter of utmost importance regarding my account with XXXX XXXX XXXX XXXX, account number XXXX. 

Upon reviewing my financial records, I have identified discrepancies in the reporting of late payment dates, specifically in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. According to the United States Code, specifically 15 U.S. Code 1605, a finance charge is defined as the sum of all charges imposed directly or indirectly by the creditor in connection with any consumer credit transaction.

It has come to my attention that the aforementioned late payment dates are in violation of the regulations outlined in 15 U.S. Code 1605 ( a ), which specifies that finance charges should encompass all charges payable directly or indirectly by the person to whom credit is extended. Consequently, any late payments resulting from a finance charge should be rectified, and the associated entries removed from my consumer report.

In accordance with my rights as a consumer under 15 U.S. Code 1605 ( a ), I demand the immediate update of my accounts to reflect the accurate status of " paid as agreed. '' Failure to comply with this request within a reasonable timeframe will compel me to seek monetary damages for the violation of my rights under 15 U.S. Code 1605 ( a ). Please be advised that I am prepared to pursue this matter in small claims court in my city and state under 15 U.S. Code 1681n civil liability.

To further address this issue, I have already submitted a formal complaint to the Complaint portal for the Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission.

I trust that this matter will be rectified promptly, and I appreciate your immediate attention to this serious concern. Please confirm in writing the actions taken to resolve this matter.
Product: Debt collection

I have no association to these accounts. The same medical bill listed XXXX different times. This is a fraudulent account. Please remove immediately.
Product: Credit reporting or other personal consumer reports

I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

You have violated The Fair Debt Collection Practices Act As amended by Public Law 111-203, title X, 124 Stat. 2092 ( 2010 ) ( FDCPA ) & the Fair Credit Reporting Act ( Title VI of the Consumer Credit Protection Act ) protects information collected by consumer reporting agencies such as credit bureaus, medical information companies and tenant screening services ( FCRA ).

( TITLE 15 ) 15 U.S. Code 1681, 15 U.S. Code 1692, 15 U.S. Code 1681b.
Product: Credit reporting or other personal consumer reports

This is the several times I've complained about being a victim of identity theft. You must remove/block any account that was opened without my knowledge, consent, or authority within 4 business days with appropriate proof of the identity of the consumer ; a copy of an identity theft report ; the identification of such information by the consumer ; and a statement by the consumer that the information is not information relating to any transaction by the consumer. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX ; XXXX TransUnion LLC Consumer Dispute Center TransUnion Consumer Solutions XXXX XXXX XXXX XXXX, PA XXXX TransUnion XXXX XXXX XXXX XXXX, PA XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX Equifax Information Services , LLC XXXX XXXX XXXX XXXX, GA XXXX Equifax XXXX XXXX XXXX XXXX, GA XXXX XXXX Re XXXX Removal of XXXX account and removal of negative comments ( i.e. collections ) from TransUnion, Experian, & Equifax credit report. 

In XX/XX/XXXXXX/XX/XXXX, I contacted XXXX to remove my account from their system & contact : Transunion, Experian, and Equifax requesting my credit file be deleted from their system. According to XXXX, they can not locate my account. Additionally, I closed this account in XXXX. 

The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), requires credit bureaus to delete any account/credit report from their system that is 7 years and older. Additionally, the consumers credit score must be adjusted accordingly reflecting the removal of any accounts with negative information/comments. Furthermore, any information that cant be confirmed between the reporting company and the credit bureau must be deleted from the consumers credit report. 

Based on the account being closed for 7 years, XXXX has no records of my account that cant be confirmed with any credit bureau ( i.e. TransUnion, Experian, & Equifax ) and in accordance with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., 15 U.S.C. 1681i ( a ) ( 5 ) ( A ), I request the immediate removal of this Verizon account from your system, remove any negative comments associated with this account from your system, and adjust my credit score ( i.e. increase my credit score ) accordingly that reflects the removal of the XXXX account. 

see attached documents
Product: Mortgage

In XX/XX/XXXX, I purchased a Fannie Mae property under a XXXX rehabilitation loan. 

Back in XX/XX/XXXX, I found a realtor by the name of XXXX XXXX of XXXX XXXX, who referred me to XXXX XXXX at XXXX XXXX. XXXX promised that she had a mortgage banker who is experienced in distressed properties, and when I met XXXX he assured me he could help me. XXXX and XXXX then referred me to a contractor by the name of XXXX XXXX, who is from NJ but somehow on paper represented himself to be part of XXXX XXXX XXXX XXXX XXXX located in XXXX XXXX, NY. 

When I closed in XX/XX/XXXX, The contractor was given an installment to begin repairs on my house. Then in the course of four months, the contractor had access to my house to do all the necessary repairs to make my house habitable.
In those four months, the contractor had ample time to complete the work, he even asked me to hire other contractors to do the plumbing and electrical work. .The plumber and electrician was referred to him from XXXX at XXXX XXXX . Which was shocking because I was promised to have a brand new home, and that I would not need to put out a dime outside the contracted price of XXXX, which was rolled into the XXXX loan for the rehabilitation. It became apparent that XXXX of XXXX XXXX intentionally wrote the contract so that I was responsible for repairs that was necessary to make the house habitable. 

XXXX knew that I was a single mother of XXXX kids and that I had a tight budget. He throughout the whole process assured me the numbers would work according to how much I could spend. 
After closing, I constantly had surprise after surprise, and found that I was paying for electrician, plumber and supplies from XXXX XXXX totaling over 2500 dollars. 

By the end of the project, I was over budget and dissatisfied with the run around that I was getting. When I moved into the house on XX/XX/XXXX, I was still having problems with plumbing, roof leaking and gas. 

The conditions were unbearable for me and my children and still is. To date, the ceiling in one of my bedrooms caved in from roof leaking, the paint on walls are all chipped, the flooring has chipped, the plumbing is poor, the basement was not repaired and the list goes on and on. I have a paper trail of emails, messages to XXXX and XXXX XXXX about the terrible conditions of my home and no action has been taken. 

The work is under a warranty and I was advised by legal counsel to file a lawsuit. I also had a licensed contractor access the damages and he has written an extensive report of the defective and poor work. 

I have asked XXXX and XXXX to please send another contractor to complete the work properly but they insist on sending a handyman who has in the last year has proven to not have the skill set to do the work properly. 

I am seeking restitution for my pain, suffering and aggravation. As well as money for repairs. I have invested a lot of money and time in this property. Me and my kids are suffering and its not fair.