23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax and XXXX are reporting 2 derogatory accounts on my credit report with no Creditor listed. I am unable to send out a validation request because I am unaware who is reporting these accounts or if these accounts even belong to me. I have sent 5th dispute letters to Equifax and XXXX since XX/XX/2021 asking them to investigate these accounts and I have not yet received a written response or see any updates on my credit report.
Product: Credit reporting or other personal consumer reports

I discovered that some of the information was erroneous. The EX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct from erroneous reporting in my file are listed on my credit report : XXXXXXXX XXXX XXXX Balance : {$29000.00} XXXXXXXX XXXX XXXX Balance : {$5200.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give your company notice pursuant 15 USC 1602 ( k ) that your company never provided an adequate notice which clearly & conspicuously mentions the pertinent facts of this transaction. Your company did even inform about the Cost of Credit and the only evidence of the indebtedness was just a computer-generated agreement.

According to 15 USC 1602 ( K ), the term " adequate notice '' means a printed notice to a cardholder which sets forth the pertinent facts clearly and conspicuously so that a person against whom it is to operate could reasonably be expected to have noticed it and understood its meaning. Such noticed may be given to a cardholder by printing the notice on any credit card, or on each periodic statement of account, issued to the cardholder, or by any other means reasonably assuring the receipt thereof by the cardholder.

Since adequate notice was not given as per the above-mentioned section, I couldn't understand its meaning which is violation under 15 USC 1602 ( k ).

Further, pursuant to 15 USC 16011 ( a ) a consumer must be aware of the cost of transaction. Since i was not aware of the transaction therefore made uninformed decision and it resulted in multiple billing errors, and unfair credit card practices. 

From your end, I have not benefited from this transaction which is again violation of 15 USC 1602 ( p ).

According to 15 USC 1602 ( p ), the term " unauthorized use '' means a use of a credit by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit.

I hereby request you to do the below-mentioned things, DELETE THESE ACCOUNT OFF MY REPORT AND VALIDATE THE DEBT 15 USC 1692G ( 4 ) CAPITAL ONE If you accept my request, i will not escalate this matter to Federal Court . in case, you dont accept the above request, a legal action shall be taken against your your Company for compensatory damages. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX All Rights Reserved Without Prejudice
Product: Mortgage

XX/XX/XXXX Used first-time homebuyer program to purchase my home thru XXXX XXXX for {$11000.00}. XX/XX/XXXX XXXX Sold to XXXX XXXX ( I do n't remember exactly ; or got in a bind and heard bout modifications. No other solutions were offered to me at that time and I did not know what else to do. Not the mortage is $ XXXX/ARM. Somewhere between XX/XX/XXXX-XX/XX/XXXX the loan was sold to XXXX XXXX  and Seterus began servicing the account. No issues with payment. I am more stable and on top of things until I lost my job of 15 years in XX/XX/XXXX. I called Seterus to inform them of loss of work and was told there was nothing they could do until i defaulted. Other friends and family told me to call back and ask for principal reduction to help lower the payment. Seterus said nothing like that existed. I was getting unemployment at the time so the Seterus rep offered me 6 month forbearance type program where I paid smaller payments over 6 months ( ca n't miss any payments ) ; i made the payments on time but did n't secure a job in 6 months so i was given an extension to the same program. After 1 year i was told by Seterus that I did n't qualify for help anymore because I did n't have full time employment and I need to pay $ 10-12k to to bring my account current and avoid foreclosure proceedings. I borroed, begged, took money from my 401k to save my home. After the fact i learned about programs like XXXX XXXX XXXX and I-refi all of which my lender ( Seterus ) is a program partner. I have never taken equity out of my  home and i owe $ XXXX. I 've tried a few times to figure out where things went wrong but I ca n't figure it out. I made calls to the lender but they are not helpful. I am underwater on my home. Comparable properties in my neighborhood are selling for $ 60- $ 80k.  I ca n't qualify for any federal funding because my loan-to-home-value- is too great. I reached about again to Seterus for mercy and goodwill to give me a principal reduction so that I can qualify for assistance and save my home. I sent written correspondence this time as well. As of today, no response. I feel that there is something scrupulous that happened to me during this program when I was down on luck. How can I still owe {$160.00} on my home that I have been in for 15 years? I also ca n't find anything file at the XXXX County Recorder of deeds as to who is currently holding holding he mortgage for my property. Nothing on file after XXXX. I obtained a payoff letter just to see what kinds of information is on he document. Seems as though Seterus is charging me $ XXXX in " deferred mortgage '' I do n't know what that is or where it came from? I have no record that I owe any deferred mortgage. Please help me. : /
Product: Mortgage

again carrington assigns a rep mr XXXX XXXX who is not equiped to respond to borrower proposal of deed in lieu.or other concerns why assign a rep thay cant help/carrington not responding to written proposals why?
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Report 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 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  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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is accurate.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I did not authorize the above hard inquiries on my credit report
Product: Credit reporting or other personal consumer reports

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, Account name : XXXX XXXX XXXX XXXX XXXX, Account name : XXXX XXXX XXXX # XXXX XXXX Account name : XXXX # XXXX, has violated my rights. 

I looked at my Trans Union credit report on XX/XX/year>2024 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, 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.

and according to 15 USC 1681s-2 they are suppose to 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

AMSHER DEBT COLLECTION IS TRYING TO COLLECT ON A DEBT THEY SAY I OWE. 

1 ) AMSHER COLLECTION SERVICE AMOUNT ; {$2600.00} ACC # XXXX DATE ; XX/XX/year> CONTACT : XXXX
Product: Credit card or prepaid card

Under the laws of the FDCPA, I have contacted the collection agency myself and have been unable to get them to verify that this is indeed my debt. 

I enclose copies of my requests to the companies, asking them to validate my debts, and the receipts showing that I sent these letter certified signature request. You will see in my letters dated XXXX XXXX XXXX and XXXX XXXX XXXX that I have repeatedly made these offers. Chase Card on every occasion has either overlooked or ignored my requests to exercise equity in redemption and by refusing to acknowledge that right they have refused to accept payment in the process.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted both Equifax and XXXX XXXX about my TWO missing credit card accounts that should be reporting. XXXX  XXXX told me that they are reporting to all 3 credit bureaus and was unsure about why Equifax was the only company not reflecting the accounts. XXXX  XXXX opened two disputes with Equifax for missing account information and the disputes came back unresolved. The Equifax representative that I spoke to told me that there wasnt anything that they could do to show the active account and that they werent sure why they werent showing either. This is not okay.
Product: Credit reporting or other personal consumer reports

After Reviewing my Credit Profile, I notice several fraudulent items on my credit report per 15 U.S 1681B-Permissible Purpose of Consumers Report, I have listed all items on my FTC Report. 

EQUIFAX, INC 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
Product: Credit card

Capital one is reporting that {$670.00} was written off. But I had paid off this credit card. They are reporting this error on my experience credit file. But on my XXXX  credit report. Capital one is reporting a paid charge off. I paid off the credit card why are they reporting that {$670.00} was written off
Product: Credit reporting or other personal consumer reports

I demand all this inaccurate report be deleted immediately They are violating 15 U.S. Code 5 1681i.

. This information is entirely inaccurate
Product: Debt collection

NCB management called repeatedly and when the call was answered the man was very rude and condescending. On more than one occasion he was verbally abusive to myself and my husband. In the middle of a crisis ( our water heater had just exploded in our home that morning ) he would not listen when I said yes I want to fix this, but I cant right now. Once I was in tears I was repeatedly threatened that I had to give my card info or else. My husband and I both filed complaints with the company, yet the threatening phone calls from the same man continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom it may concern, After checking my personal credit with your company, I noticed that you are currently reporting incorrect information to my credit file. The personal information section on my credit report contains information that does not belong to me, I am aware that there are many individuals who may have the same name as I do, however only accurate information should be reported to my credit file. I am asking that you correct the following information. 

Please remove the incorrect names you have listed on my credit file. My name should only be listed as XXXX XXXX this is the accurate spelling of my name, and should only be listed as such. 

Please remove the incorrect addresses you have listed on my Credit File, My address is XXXX XXXX XXXX XXXX XXXX, Connecticut XXXX this is the only address that should be reporting to my Credit File, please remove any other listings that you may have. 

Please remove the incorrect phone numbers you have listed on my Credit File, my phone number is XXXX, this is the only phone number that should be reporting to my Credit File, please remove any other listings that you may have.
Product: Vehicle loan or lease

Consumer makes this submission on XXXX and disagree with CAPITAL ONE AUTO FINANCE LLC for discriminating against the consumer natural living woman for her right to grant credit sometime between XXXX to XXXX. The consumer submitted a consumer credit application for ( personal services ) for a used XXXX XXXX. Capital One Auto Finance sent written communication to the consumers location stating the reason ( s ) for not approving the consumer request were due to : Applicant unable to verify sufficient income which is false. A Capital one auto finance agent by the name of XXXX told me when I talked to him via phone, emails and text communication around that time was due to a credit score being the factor after the fact the agent sent me a link for the application which I filled out under duress because agent made consumer feel as if getting the application filled out quicker would get me into a vehicle but, that wasnt the case. XXXX the agent also considered the consumer use a co-signer in which I disagreed too. Then XXXX later explained to me that credit one auto finance was willing to offer me a consideration if I agreed to put down {$9300.00} as a down payment for the used car. Id like to inform credit one auto finance company that they are violating my rights as well as breaking consumer laws. According to XXXX esq No advertisement to aid promote, or assist directly or indirectly any extension of consumer credit XXXX state that a specified down payment is required in connection with Any extension of consumer credit, unless the creditor usually and customarily arranges down payments in that amount. The consumer believes Capital one auto finance company are being unfair and misleading as the consumer shall not be deprived of her rights or privileges. As a consumer which is defined in the Truth in lending act ( consumer ) natural living person. Consumer was not looking for a loan consumer was looking to purchase a vehicle via consumer credit transaction NOT a loan! And if the consumer were clearly and conspicuously informed from the beginning the consumer would had made a better informed decision since the consumer was not informed the consumer has no gain from the transaction and its causing the consumer a great deal of XXXX, discouragement, and XXXX.
Product: Mortgage

I was working with " relationship manager '' to see what options, besides forclosure, we qualify for. We Qualified for a Short Sale or Cash for keys. After My wife and I received promotions and pay raises, my " manager '' recommended we resubmit for Modification. He told me if we did not qualify for Modification, we would still get the same XXXX offers ( Short sale etc ). I have since been working with an Authorized 3rd Party and have been reassigned to a new " manager ''. My Authorized Party has a direct contact with Ocwen ... I Have been sending in ALL items they have requested, and was told by 3rd Party my case is under review ... meanwhile, they have set a sale date for XX/XX/XXXX ( XXXX Weeks ). In addition, now my " manager '' will not respond back to my Authorized 3rd Party. According to her, They have everything they need ... she and I are very frustrated ... She ( XXXX party ) said they are not following procedure by not contacting her back and/or including her in this process. She recommended i file a complaint ... i have also had other situations with them. I have sent in multiple items such as pay stubs for myself and my wife, along with P & L statements for my self employment ... I had written letters of clarification for each of those items, only to find out XXXX weeks later, when i have a scheduled follow up call, that they need clarification on the items ... I would resubmit clarification, only to find out XXXX weeks later, they still need clarification ... .I have felt like they are just trying to make me give up and lose my home ... If this happened to less tenacious people they would have given up ... They have wasted time multiple times, when I do n't have time ... now I only have XXXX weeks left and they are playing this " not contacting my 3rd party '' game that could cost me my family 's home ...
Product: Checking or savings account

I am writing to file a complaint against Navy Federal credit Union Regarding multiple overdraft fees I have incurred. Despite having funds when transactions were authorized I was charged fees due to lag posting of credits and charges. This issue aligns with the recent CFPB findings against Navy Federal for similar practices where transaction settled with insufficient balances despite initially available. I believe these practices are unfair. And request an investigation into my account transactions.
Product: Debt collection

After receiving a text message from USCB America, they refused over the phone to provide any information about the debt unless I gave them my address, even after I verified full name and phone number. They contacted me 4 days before the listed due date on the last bill I received from the original debtor.
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 XXXX Account Name : XXXX XXXX XXXX Account 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 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: Checking or savings account

I received an offer in the mail from Citibank for 4.75 % promotional interest for 3 months. The instructions were to visit a physical branch open a saving account between XX/XX/year> - XX/XX/year> and deposit the required " New to Citi '' funds within 10 days to receive the promotion. 

I have never had a Citibank product before. 

I visited a local branch on XX/XX/year>, with the flyer in hand and opened a savings account. 

On XX/XX/year>, I transferred {$74000.00} to the recently opened account. 

On XX/XX/year>, I received an interest payment of only {$3.00} which prompted me to call Citibank customer service. The representative stated they needed a code to identify the promotion and I told the representative there was no code, just the flyer with instructions. The representative told me I would have to visit a local branch for help with the promotion. 

Approximately the first week of XX/XX/year> I visited the branch with the flyer and inquired why I'm not getting interest at 4.75 % interest. I was informed the interest comes at the end of the 3-month promotion. 

I returned to the branch XX/XX/year> with the flyer and spoke with the branch manager who submitted a ticket regarding the issue. Unfortunately, I used the flyer to kill a bug on the managers desk. He said I wouldn't need it anymore and I tossed it. Luckily another promotion came in the mail with identical instructions so still have a copy of the criteria. 

I returned to the branch XX/XX/year> and spoke with both the branch manager and the banking employee that opened the account. I walked in and literally said, " Where's my money '' to which the branch manager stated you got it. I shook my head while saying aloud " No, I didn't. '' After checking the computer, they said it was denied because the {$74000.00} I deposited was not " New-to-Citi '' funds. I stated that's not true, and they both agreed. 

The branch manager and banking employee kept tag-teaming the computer and ended up submitting what sounded like two different tickets for the promotional interest issue. 


XX/XX/year> I discovered a letter in my Citibank account regarding this issue. 

The letter is suspect because it contains discrepancies and false information. 

The letter states that I didn't have " New-to-Citi '' funds which is false. 
The 4.75 % promotion required a minimum of {$100000.00} which is false A minimum of 6 months balance to receive the promotion which is false I believe I'm strung along and lied to.
Product: Credit reporting or other personal consumer reports

I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against them because I believe they have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) .This was mentioned in my previous COMPLAINT #, and I include it again. Kindly correct or delete the following items : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Checking or savings account

XX/XX/year>XXXX  I opened a business account with Navy Federal Credit Union after reviewing my account in several occasions I would notice I being charged for XXXX over draft fee when I have over draft protection and XXXX for return fee