23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting

Transunion ( TU ) refuses to accept complete/comprehensive disputes on XXXX alleged XXXX accounts. ( " Gold '' # XXXX and " Blue '' # XXXX ). 
1. The alleged accounts were charged off at the same time, XXXX XXXX, XXXX though XXXX, or, TU is concealing the date of the " Gold '' account willfully and purposefully. 
2. Therefore the TU " deletion drop off date ( s ) '' is, correctly XXXX/XXXX/XXXX. 
3. The FCRA indicates a seven year reporting period for alleged debts. 
4. Yet TU shows a " deletion drop off date '' of XXXX XXXX, XXXX. 
5. TU is exceeding the " deletion drop off date '' by 8 months. 
I have challenged TU and XXXX to produce evidence of these alleged debts which contradicts these facts and they have refused to supply such documentation. Therefore, in compliance with the FCRA regulations I DEMAND both parties supply documentation ( etc. ) in support of their position ( s ). 
To show the disingenuous nature of the parties involved I attach a comparison of the wide variety of deletion dates for these accounts by the XXXX major Credit Reporting Agencies who all assert they have " checked with '' XXXX to determine the " facts ''. 
I continue to assert these alleged debts are only reportable, as collectable, for a period of 6 years per Colorado statute ( authority previously provided ) which is being willfully and purposefully violated by the false representations on my credit report - which in itself, is a violation of the FCRA. ( This is a separate dispute which now moves to litigation. )
Product: Mortgage

I was introduced to XXXX XXXX with Waterstone Mortgage at the XXXX TX franchise location by XXXX XXXX, realtor with XXXX with the understanding that he can close on the mortgage loan in XXXX4 weeks. On my initial contact with XXXX XXXX I found our conversation to be somewhat irrelevant since he was trying to know my ethnicity while going over the information, whether I was from XXXX. It was/is my understanding that pre-qualification and the underwriting process for a mortgage loan does not require disclosure based on national origin and thought it was inappropriate for him to inquire about my national origin. After few weeks passed I reevaluated my relationship with XXXX XXXX, the realtor who in my opinion was not being responsive to my requests or follow up on my offers on homes so I told XXXX XXXX that I may not be working with her but I will continue to work with Waterstone Mortgage and since I have already been qualified with them. A week XXXX later I asked him to send me update prequalification letter after he had factored in a new vehicle loan that was not initially factored in. The original loan qualification amount was $ XXXX and updated amount was $ XXXX. XXXX XXXX refused to send me the update prequalification letter and when I questioned why he would not release my prequalification letter, he referred to some banking guidelines regulated by RESPA that I found out do not exist. I spoke with their franchise and corporate customer service in XXXX who confirmed he falsely communicated a requirement that does not exist. He not only refused to release my prequalification letter but also refused me service after I had already been qualified for the loan with them. I reasonably believe he refused me service based on my national origin and after I had stopped working with XXXX XXXX, the realtor. XXXX XXXX NMLS Number is XXXX. I have copies of the correspondence between me and XXXX XXXX. I reached out to corporate customer service for Waterstone Mortgage and spoke with XXXX XXXX who acknowledged the situation but then transferred over to XXXX XXXX who seem to condone XXXX XXXX 's discriminatory behavior and refusal of service after I have qualified with Waterstone Mortgage. Waterstone Mortgage has caused mental anguish by impacting my first home purchase dream by their discriminatory practices that also seem to be condoned by their corporate office.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello XXXX  : XX/XX/XXXX. I have contacted XXXX   Credit Bureau and i have made it aware that i am a victim of fraud. On XXXX of XXXX my wallet was lost and it came to my attention several years later that an account was opened under my name a few years later. I filed a police report on XXXX and i am sending you the attached report to confirm that it was an act of identity theft that was made on my consumer report. For the most part the accounts were removed and place back on to my consumer report. I believe it was suppressed on your end and not fully and permanently removed. To my understanding if an account was open without my knowledge pertaining fraud and it was because of identity theft, it is out of my control and should be investigated immediately. I have sent in certified letters along with proof that this was identity theft. I am asking for an internal investigation for the following accounts that is listed on my consumer report to be investigated and removed permanently. If the accounts continue to report as an error on my consumer report, i will be faced to report your company live and show complaints on how your company is purposely placing errors on people consumer reports. I will be forced to take legal actions immediately upon this response. XXXX XXXX XXXX XXXX  XXXX Opened XX/XX/XXXX XXXX, XXXX XXXX XXXX Cr XXXX XX/XX/XXXX XXXX, XXXX Pay Off ), ( XXXX XXXX  ), ( Dept Of Education ) If the erroneous accounts and information is placed onto my consumer report or if my personal information is sold to debt collectors i will be sure to take legal actions. I repeat do not attempt to resell and information to any debt collectors. This is not a threat. You are liable for the erroneous accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

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

15 U.S.C 1605 Determination of finance charge 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Credit reporting or other personal consumer reports

I have not supplied proof under the doctrine of estoopper by silence, Engelhardt v Gravens ( mo ) 281 SW 715,719 1 presume that no proof of the alleged debt, nor therefore any such debt, im fact therefore exists. 

XXXX  XXXX BANKRUPTCY XX/XX/XXXX XXXX XXXX XX/XX/XXXX {$2000.00} DEPT OF EDXXXX XX/XX/XXXX {$4000.00} DEPT OF ED/XXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$6000.00} DEPT OF ED/XXXX XX/XX/XXXX {$3900.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF EDXXXX XX/XX/XXXX {$1400.00} DEPT OF EDXXXX XX/XX/XXXX {$3200.00} DEPT OF EDXXXX XX/XX/XXXX {$3500.00} DEPT OF ED/XXXXXXXX  {$3800.00} DEPT OF EDXXXX XX/XX/XXXX {$1200.00} DEPT OF EDXXXX XX/XX/XXXX {$5500.00} XXXX XX/XX/XXXX {$67000.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$26000.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX NAVY FCU XXXX NAVY FCU XXXX NAVY FCU XXXX NAVY FCU XXXX This is a list of companies that are on my credit that are reporting on my credit that are not mine. I am having issues getting these accounts removed. It is severely hindering me from living the life I deserve. I am willing to pursue this in a court of law if this isnt resolved in a timely matter.
Product: Credit card or prepaid card

I had a Wells Fargo Secured Visa credit card, it was secured with {$300.00} dollars cash, I called to close the account after having it for a few years, and the balance was right at {$300.00} the customer service agent I spoke with stated that he would apply the {$300.00} dollar security to the card and it would be closed. 

About a month later I received a bill that had a fee charge of {$29.00} dollars and some interest charges attached. 

I called the company and was informed that the fee was charged 1 day after I closed the account. I stated that I was not going to pay for a fee after my account was closed. I currently have a {$41.00} dollar bill on an account that should be closed. I have now been escalated to the " Executive office '' for my account to be reviewed, but only after I had called in twice and spent about a half an hour on the phone each time, and then never got a call back. I called again and told them I would be filling a formal complaint. They have applied the {$300.00} to the bill, but I am still receiving the bills for the fees. 

I was told that a claims agent would get back to me within a week. That was over two weeks ago. I called again today and was told the agent was unavailable at that moment, but that they would send a message to call me back. I never received a phone call back. So I called again and was told the agent had left for the day. They left another message for the agent to call me back. This has been going on since start for about two and a half months now.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX Experian continue to violated my federally protected consumer rights. 

After filing my dispute with Experian verifying this account was accurate and complete, I found several inconsistency reporting on this account XXXX XXXX XXXX XXXX XXXX XXXX  It is your duty to ensure that all information reported is consistent, fair, and most importantly accurate and complete and you have failed to do so. Please delete this erroneous item for reporting inaccurate last active date because Experian XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX. All three can't be accurate. Consumer reporting agencies must be consistent and not merely parrot the furnisher information. 

15 USC 1681i ( 4 ) and 15 USC 1681i ( 5 ) ( 4 ) Consideration of consumer information In conducting any reinvestigation under paragraph ( 1 ) with respect to disputed information in the file of any consumer, the consumer reporting agency shall review and consider all relevant information submitted by the consumer in the period described in paragraph ( 1 ) ( A ) with respect to such disputed information.

( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.
Product: Mortgage

BBVA reported a delinquent payment of my mortgage to credit reporting agencies. I had autopay set up on my account. When the funds ran low, I replenished money in the account. My service agreement with BBVA state that they then have the discretion to pull the funds for the payment. However, they did not pull the payment despite funds being in the account and did not notify me that they would not be pulling the funds and instead counted this as a late payment despite the funds being in the account. Their representative XXXX XXXX berated me on the phone and lied to me about BBVA 's discretion to pull the payment. When I confronted her about the lie, she escalated to her manager XXXX XXXX who closed the case without ever speaking to me. I recorded our conversation with XXXX 's knowledge where she denies lying to me.
Product: Mortgage

Chase To whom it may concern : I 've been undergoing a hard financial time since beginning of XX/XX/XXXX ( family emergency- please see my hardship letter on file ). 
I got late on my payments, but still willing to keep my property and have applied for loan modification ( any little help is very important in my situation ). 
Received review of my options on XX/XX/XXXX but was n't agree with some numbers on Eligibility Data pages and have my application re-submitted again. 
Received another review of my options on XX/XX/XXXX. 
The only XXXX program that fits my situation is " Home Affordable Modification '' ( Tier XXXX ), but this program was not even indicated on the list of " Options For Which You Are n't Eligible ", ( Section XXXX, page XXXX of XXXX ) Besides, this list indicates XXXX XXXX modifications, but this loan is not XXXX loan at all.
Product: Money transfer, virtual currency, or money service

I signed up with XXXX payment services in XXXX of XXXX to process credit card and ACH payments for my online business. From the very beginning, I asked the representative on the phone, XXXX XXXX, if there were any monthly fees associated with my account and she said there were not. I encountered issues with their invoicing system as soon as I started using it. I reached out to the representative, who put me in contact with their tech support. Tech support was not able to resolve the issues I was having so I decided to move away from this service all together. I processed a total of XXXX transactions with Heartland before moving away. In XXXX, I noticed I was billed an additional {$20.00} on top of the fees from my XXXX transactions. Then in XXXX and XXXX I was charged {$20.00} even though I process no additional transactions. I called my original representative, XXXX XXXX, who said she would contact XXXX XXXX and get the issue resolved. I never heard back from either representative. Then, in XXXX of XXXX, I was billed the same {$20.00} plus an additional {$150.00}. When I called to ask about this, customer service told me the additional {$150.00} was for a reporting fee. I also called both XXXX XXXX and XXXX XXXX and left messages for each. I have yet to hear back from anyone.
Product: Credit reporting or other personal consumer reports

XXXX, Equifax and XXXX all are reporting unauthorized inquiries on my credit report. I did not authorize these companies to put an inquiry on my report and I do not know how these companies got my information. I need these inquiries removed immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Equifax 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: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the ( FCRA ) everything has to be 100 percent accurate on my credit report. The bureaus have stated all my accounts were properly investigated, but how can that be when the date last active, the date last reported, and the opening date are all incorrect and different between the 3 bureaus or incomplete. This is grounds for removal and they have violated my Rights under 15 u.s.c. 1681 sec 602A. States I have the right to privacy. 15 usc 1681 section 604 A. Section 2 also states a consumer reporting agency can not furnish a account without my written instruction. There for I want to see verification of a signed invoice, a copy of the binding contract between both parties and validation of the debt that is actual accounting.
Product: Debt collection

These folks filed a garnishment on my wages. But, when I called to make arrangements before the first garnishment payment came out I was told they would stop the garnishment. They did not. When making the arrangements and signing documents I asked if I could print and fax the papers, so I had time to read them. I was told they could not have time to stop the garnishment if I did n't sign right now. I was told where to sign while an agent was on the phone with me on hold. I told them I needed to go but they insisted I sign all the papers or they could stop the garnishment. I signed the papers so I would not miss the opportunity to get the garnishment stopped. The following Friday my paycheck was short XXXX. I called them and asked what happened? They denied telling me the garnishment would stop. I was then told the garnishment would stop after XXXX on time payments. So I said you are taking 5 months of XXXX garnishment and my XXXX payments? they said yes. They said we will send a modification to reduce you garnishment to 5 %. They did not. I would not be near as upset about any of this until I got the documents detailing my arrangements request for additional documentation. They are charging me {$13000.00} on a {$10000.00} dollar loan. After 5 month of garnishment i will have only paid the their collection fees. And on top of that I have to send in more documentation before the arrangement is valid. They were calling XXXX5 times a day, weekends, and holidays. Making me crazy. They began calling my ex-husband and my daughter. I just do n't understand how they can garnish me and take payments at the same time and I am paying 30 % in collection fees on a Federal student loan.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Specifically, under 15 U.S.C. 1681, Section 602, I am entitled to privacy protections. Additionally, 15 U.S.C. 1681, Section 604 ( a ) ( 2 ) clearly states that a consumer reporting agency can not furnish an account without my written consent. Furthermore, pursuant to 15 U.S.C. 1666b, a creditor is prohibited from considering a payment on a credit card or account under an open consumer credit plan as late for any purpose.
Product: Debt collection

I am writing to formally file a complaint regarding a charge off 1099-C document I received from Navy Federal Credit Union for a debt that has been charged off. According to the notice I received, I am required to file this document with my 2024 taxes. However, Navy Federal Credit Union continues to attempt to collect on this charge off debt. 

This situation appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Internal Revenue Code ( IRC ) regarding the issuance and implications of a 1099-C form. The issuance of a 1099-C typically indicates that the debt has been canceled and that the creditor has decided to discontinue collection efforts. However, Navy Federal Credit Union 's continued attempts to collect on this debt contradict the purpose of the 1099-C form and may mislead consumers about their obligations.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX This complaint is for the timeshare company XXXX, they've violated my consumer rights. Specifically, failed to validate a debt as I requested, which is a Fair Credit Billing Act violation. There has been continued charges, added interest and fees which are to be suspended until resolution has been found. I am seeking a reasonable resolution to this situation. Their lack of response for mutual negotiation or the validation of this account, has not been completed. Not only have they ignored my prior requests for validation of the account but continued to contact me through means of robotical debt collection calling. This account is to be updated as disputed or to be deleted from the credit reporting agencies due to the damage to my character during this account dispute. I am intending on filing the disputes with the consumer regulatory bureaus and state attorney 's office. They are willfully violating the Fair Credit Billing Act, and Fair Credit Reporting Act for the purpose of causing harm. The continual stress of harrassment, damage to credit report, and the collection efforts must stop until a reasonable resolution is found. My requests for validating accounts were ignored, I have never received any response from them to validate accounts. They failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the credit reports they publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct. This willful neglect has not only caused much financial hardship, but is a direct violation of my rights under the Fair Credit Reporting Act.
Product: Checking or savings account

My name is XXXX XXXX My email on my account is XXXX On XX/XX/year>, I opened an account with BMO and got myself verified and made a deposit of XXXX from my XXXX XXXX  account to my BMO account. 



On XX/XX/XXXX twice, I got email that my account have been accessed through another device which I do not own. 

I felt that my phone has been compromised because there was an email link I clicked from a supposed BMO which I thought was from BMO On XX/XX/XXXX, I felt that my device has been compromised and I bought another device and got into my BMO account and noticed that all the XXXX dollars have been sent out unauthorized from XXXX to an unknown person. 

I did not give my login credentials to anyone. 

I spoke with BMO and reported this incident and raised issue about these transactions I was advised by BMO agent to change my device and I told the agent that I've gotten a new device, so the agent sent a form to my email which is known as " ID declaration form '' and took it to notary to sign and notarize it. 

I have been to notary 4 times to make sure I got the form correctly notarized and it was accepted by BMO. 

I later spoke with an agent and disputed the unauthorized transactions and a claim number XXXX was given to me. 

The agent walked me through various departments to verify me and I was asked to set a pass code which I did. 

The agent transfered me to different departments and said that a new account would be opened for me so that my funds would he transferred in and I was given this number XXXX to call for a new account to be opened for me, as the agent said that the phone number is the team in charge of new account opening when there is account compromise, but when I called, they refused helping me. I spent over 3hrs on the phone with BMO but no solution to my issue I requested to speak with the fraud department , but the agent told me that the fraud department can only speak with me after 3 days and assured me the fraud department would call me. 

From that day till now, the bank has not called me to resolve this matter and I feel the bank doesn't want me as their customer. 

After waiting so long for more than 11 days now without hearing from the bank on this as promised, I have no option than raising a complaint here as I hope the bank will sort out this matter. 

I have attached the notary ID declaration the bank asked me to do before they resolve this matter, which I did. I have attached the email of the unauthorized account access too showing that someone without my knowledge gained access into my account twice or more.
Product: Debt collection

Ive had this issue resolved here almost a year ago. Jefferson capital had placed this sprint account collection on my credit report and had to remove it after not validating it as mine. They have now put it back on. This is the third time they have done so with the same account.