23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act Please send me notification of the actions taken. I appreciate your prompt attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently received an adverse action for a property I was trying to get, so I pulled my credit report and saw that I had the following inaccurate information listed : XXXX  account # : XXXX - inaccurate should not be on credit report and XXXX  account # : XXXX - inaccurate late payment should not be on credit report, it should show all payments on-time. 

I am certain that this information is why I did not get the property. I would like to submit a dispute in reference to the following : Experian credit report has the following inaccurate information still listed : Also known as : XXXX XXXX XXXX, XXXX XXXX XXXX ; Addresses : XXXX XXXX XXXX, XXXX, IN XXXX, XXXX XXXX XXXX, XXXX, IN XXXX, ( XXXX XXXX XXXX XXXX XXXX, IN XXXX SHOULD NOT BE LISTED AS IT VIOLATES MY RIGHT TO PRIVACY AS THE CONSUMER ) ; Closed accounts : XXXX  ACCOUNT # : XXXX and Late payment on XXXX  ACCOUNT # : XXXX ; Inquiries : XXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX 

Experian did not conduct a reasonable procedure to ensure my credit report included maximum accuracy. Unfortunately, I do not have confidence in their system and will no longer extend credit due to the adverse affects of this inaccurate information. I have previously provided my information so that they could verify me through multiple factors, however, they choose to ignore the law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hard Credit Inquiries, XXXX XXXX XXXX telephone company did unauthorized Credit Inquiry, XX/XX/2020, I was no where and did not apply for Credit, I use XXXX XXXX, and have no intention to change, also on my credit report from Equifax there is no contact information, no location, Phone number or person listed, this is a bit of a concern! I would like it removed but without contact information I have no way to get it corrected!
Product: Student loan

In 2011 I graduated from XXXX XXXX XXXX XXXX with what I thought was a beautiful path ahead of me. Very long story short, despite overwhelming guarantees, my degree and experience at XXXX could not deliver on promises made. We were misled and manipulated by XXXX XXXX and XXXX XXXX XXXX , a known bad actor, and we have been waiting years for BDTR to receive some sort of relief after getting ripped off - Where is forgiveness for us? There has been no communication from the DOE about the denials. Why is XXXX taking so long? Why were we blanket denied with no clear reasoning after we fought tooth and nail via the legal system just to get out of the soul-crushing limbo the DoE left us in for years? 

Up until recently my combined government and private student loans required monthly payments of {$1400.00} per month, it used to be {$1800.00}. Due to my household losing half its income during the pandemic I was able to fight to bring this number temporarily down to about $ XXXX0/month. This is unsustainable, my private loans are crushing me to death. 

Between personal debt accrued just trying to make ends meet over the years and these student loans, I am constantly in a state of financial anxiety, just living paycheck to paycheck. I can not see a future where I own a home or feel secure in starting a family, and that is a horribly crushing feeling. Neither me nor my mother will be able to retire at this rate.
Product: Debt collection

I am filing this case with the Consumer Financial Protection Bureau ( CFPB ) to address Navy Federal Credit Unions attempt to collect on a debt that I believe is being reported unlawfully. In 2024, I began disputing Navy Federals report of late payments and a charge-off on my consumer report after discovering legal requirements regarding when a payment can be legally considered late. Specifically, I have requested proof that Navy Federal mailed or delivered disclosures in compliance with 15 U.S.C. 1637 ( b ) at least 21 days before the payment due date, as outlined in 15 U.S.C. 1666 ( b ). Without this documentation, no payment should be classified as late. 

Despite my multiple requests, Navy Federal has not provided any tracking information or evidence of delivery for these disclosures. Instead, they transferred my case to an attorney, XXXX XXXX, for debt collection, which I believe violates the Fair Debt Collection Practices Act ( FDCPA ) under 15 U.S.C. 1692e and 15 U.S.C. 1692i. I received communication from this attorneys office that I did not request, which has further delayed resolution.

Its important to note that I do not recall receiving any prior communication regarding this debt collection attempt. Under FDCPA 15 U.S.C. 1692a ( 3 ), I am a consumer with a place of abode rather than a traditional residence. Thus, if Navy Federal sent anything to an address on file, I did not receive it.

I am attaching my original requests to Navy Federal, additional supporting documentation, and a self-executing contract designed to activate should Navy Federal continue withholding the information necessary to validate their claims. I respectfully request the CFPBs assistance in obtaining this proof, as Navy Federals lack of compliance constitutes a violation of multiple laws, including 15 U.S.C. 1681n, 1681o, and Titles 18 U.S.C. 1001 and 1006.

This unresolved issue has directly impacted my ability to obtain credit and represents a serious financial setback. I respectfully ask for the CFPBs intervention to resolve this matter as soon as possible. Thank you for your assistance in ensuring adherence to consumer protection laws.
Product: Money transfer, virtual currency, or money service

Account had been suspended, No notice of suspension. Needed to verify ID even thought account was verified via SSN. Been sent around with support for 3 weeks and issue has not been resolved. They said it was sent to a specialist that after a week had supposedly reached a resolution but no response. Support can not acces my case as only the specialist team can and they only use email. No response or resolution since XX/XX/XXXX.
Product: Debt collection

The company only sent me a copy of the bill and not a copy of where I sign and agreed to pay them. And that I owe the said debt.
Product: Mortgage

Hello my name is XXXX XXXX and I reside at XXXX XXXX XXXX XXXX, NJ XXXX. 
I currently have a mortgage with XXXX and my loan # is XXXX I applied for a modification in XXXX. XXXX my mortgage lender sent the trial modification to the wrong attorney. During the process me and my current attorney couldnt figure out why we hadn't recieved a response from XXXX. Months later my attorney suggested that i file a Chapter XXXX. A few months after filing chapter XXXX we noticed that the payments that i was sending to XXXX was sent back to me and we were perplexed as to what was going on. Finally I ( not my attorney ) recieved a letter regarding Foreclosure. My attorney and I couldnt understand why. Later after calls back and forth with XXXX they told us that a modification was sent out and because I nor my attorney had not responded to the Modifcation Offer they put the house in Foreclosure. The Modification Trial was sent to the wrong attorney. My self and my attorney made several phones calls and I called XXXX and this is how i eventually found out that an offer was in fact sent in XXXX of XXXX. I asked XXXX could they send me a copy of what was sent out months ago regading the offer and when they finally sent me the letter i saw that it was address to the wrong attorney which explains why we never recieved the offer. My current attorney has been in contact with XXXX attorneys and we have explained to them over and over again that the original offer was never to sent to either of us. We are asking XXXX if they could resend the offer as I do not want to loose my home but to no avail. As of this day my attorney is still awaiting to hear back from XXXX attorneys. Last week a recieved a letter stating that my loan was sold to another lender. I am affraid that XXXX is not trying to help resolve this error that they made. If this offer was sent to the correct attorney in XX/XX/XXXX I would not be in this position as we speak and I would be a happy homeowner. All I am asking is that XXXX make this right because of their wrong and re-offer me the Modification Trial Offer and remove my home from Foreclosure status.
Product: Payday loan, title loan, or personal loan

I would like to Negotiate a plan to get the speedy cash loan off my credit! If you could please contact me at your earliest convenience XXXX
Product: Credit card or prepaid card

I have had an old navy card for many years, but have never requested a different card or requested a VISA card with this company. I received a Old Navy Visa in the mail that I did not request, do not want, never wanted. I read the small enclosed " Important Changes to Your Account Terms '' booklet and noticed that if I did nothing it would be like accepting and was upset at this. I called on XX/XX/XXXX to let them know I did not want the card, had not requested the card, and felt like they were trying to fraudlently force this card on me. At this time I was told that my opt out was recorded and the card would be removed. Months later I made a purchase at XXXX XXXX using my regular store card and when I went to make a payment online I noticed the Visa was on my account. I called AGAIN on XX/XX/XXXX and was told that they weren't sure what happened, but they were logging it as I wanted to opt out. When I checked AGAIN XX/XX/XXXX to make sure this happend it was still there. I also received a letter saying they needed more information to be able to fulfill the request from XXXX. When I called for the third time on XX/XX/XXXX I was told that they were filling out the " correct request form '' and that I would be hearing from an account manager my mail within 30 days. At this point I dont believe that they have any intention of removing the card from my accounts and are just trying to string me along. I have also been told that this happened as a convienece to me or as a perk for me for being a good client. This card was not for my benefit, it was sent to earn their company more money. Perks for me would have enriched me, not them.
Product: Mortgage

When Bank of Texas bought the home loan from XXXX XXXX  and put escrow on the account when I have had home insurance this whole time. So in order not to ruin my credit i over paid {$2800.00} to not get a late payment and then they changed it back to the proper amount {$580.00} but now will not send me a refund check for the overages and will not let me talk to a manager or put a manager on the line. This is very bad business and I wish my loan was never sold to this company. They are an absolute nightmare to deal and are stealing my money at this point.
Product: Credit reporting or other personal consumer reports

I discovered an unauthorized and inaccurate collection account on my credit report from TRANSUNION associated with XXXX XXXX, account number XXXX. This account does not belong to me, and I have no knowledge of its origin. I formally disputed this account with the credit bureau, requesting verification and removal based on my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 623 ( 15 U.S.C. 1681s-2 ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Sections 809 ( 15 U.S.C. 1692g ) and 807 ( 15 U.S.C. 1692e ). 
Despite my formal dispute and request for a thorough investigation, TRANSUNION has continued to report this account without verifying its accuracy or providing me with documentation supporting its validity. This violates my rights under the FCRA, as credit bureaus are required to conduct a reasonable investigation and must not report inaccurate or unverifiable information. Notably, failure to comply with these requirements has been underscored by precedents such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 
This inaccurate information is damaging my credit score and affecting my financial standing. I believe that the credit bureaus failure to properly investigate and respond to my dispute is a direct violation of the FCRA, causing me unnecessary harm.
Product: Credit reporting or other personal consumer reports

Iam writing to dispute the following information that appears on my Experian report from or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as XX/XX/XXXX : XXXX XXXX XXXX XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$29000.00}. 
Idispute the missed payments and late payments on this account. Please provide statements and records of al payments made and missed since Iopened this account. 
XXXX XXXX XXXX Charge Card with account # XXXX opened on XX/XX/XXXX and a balance of {$4900.00}. 
Idispute the missed payments and late payments on this account. Please provide statements and records of al payments made and missed since Iopened this account. 
Collection account from XXXX with account # XXXX and a balance of XXXX. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt colector owns this debt and has the legal authority to colect it or delete this account. 
Collection account from XXXX with account # XXXX and abalance of XXXX. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Collection account from XXXX with account # XXXX and a balance of {$0.00}. The original creditor is XXXX XXXX. 
I never had a contract with this debt collector for any debt. Please provide proof from the original creditor that this debt collector owns this debt and has the legal authority to collect it or delete this account. 
Please reinvestigate these matters and delete or correct the disputed information as soon as possible.
Product: Debt collection

Please be advised, to my knowledge and recollection, I do not have any type of direct or indirect business relationship from which goods and or services were exchanged with your company. I have never conducted business transactions or signed any contract and or agreements with your company. I have never initiated or agreed to pay any amount associated with such an account created by your company from which any debt is owed and therefore dispute any debt you say I owe your company. 

On XX/XX/XXXX NCB Management Services called my cell phone without my prior consent. The employee failed to state that he was a debt collector, along with the additional disclosure required by law. The employee explained that the account was sold to NCB by XXXX XXXX in regards to a XXXX XXXX XXXX. I told the employee that I didnt have a XXXX XXXX XXXX. I requested the contact information for the finance company and the call ended after I received that information. 

On XX/XX/XXXX, NCB called me again, this time at XXXXXXXX XXXX by an employee named XXXX XXXX. XXXX XXXX did not make the proper disclosures as required by law. I explained to XXXX XXXX that he was calling me at an inconvenient time and he replied that it wasnt against the law for him to call me at XXXX in the morning. I became very upset at his tone and XXXX XXXX raised his voice and told me that my account with XXXX XXXX was not going away! I tried to explain to him that I didnt have an account with XXXX XXXX XXXX XXXX XXXX then stated that NCB called me the previous week about this debt. I informed XXXX XXXX that NCB didnt have permission to call me last week and they didnt have permission to call me that morning and the call ended. My heart was racing and I was very upset.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have attached an FTC report with fraudulent inquires I did not authorize
Product: Mortgage

I inherited this property through my XXXX XXXX It had been three months before I could access the information because of issues with authorization with probate. Once I received it the house was a few months behind and I have remained at least one month behind because of my lack of income. However, the house note is only {$280.00} which I could easily pay and catch up. I am being charged {$920.00} per month with {$640.00} per month for taxes and escrow. That is double what they actually are. I paid for insurance and they continued to charge me for insurance they provided on the property. You can see from the attached that they are also charging double for taxes. I requested that they discontinue the escrow but they have not even answered my request which I made two months ago following the instructions of their employee. I have sent follow up letters with still no answer!
Product: Debt collection

OnXX/XX/XXXX, 2018 I was notified that a debt from Confident Financial Solutions was transferred to a 3rd party source, XXXX on my behalf. I contacted XXXX onXX/XX/XXXX/18 and spoke with an agent, XXXX ( XXXX ID XXXX ) in which she confirmed all information and debt was being handled by XXXX. I was a settlement in the amount of XXXX and agreed to pay amount stated by next business day. Agent confirmed settlement amount would be sent to my email for payment and confirmation of payment would be sent via email from XXXX to myself immediately. I was informed that XXXX XXXX would be updated with payment immediately as well and debt would be sent to original creditor within 72 hours. I received email confirmation as such as well. I did explain to them that I was in the process of purchasing home and would to need have letter or email stating balance was settled and at {$0.00} balance. XXXX informed me that XXXX does not report to any credit bureaus ; only reports to original creditor of any updates. I paid XXXX online with XXXX website on behalf of Confident Financial Solutions. When I spoke with Confident Financial Solutions on Tuesday XXXX I was informed then only that I would have to wait 60 days to have a letter that shows balance was paid and settled as {$0.00}. This was not communicated to me from XXXX nor Confident Financial Solutions in which is delaying my mortgage loan. My family was displaced due to Hurricane Harvey in XXXX 2017 and am currently being stressed to the capacity due to this is the only delay we have because of Confident Financial Solutions and XXXX. This is bad business practice and immorally just wrong. I spoke with XXXX, XXXX at Confident Financial Solutions and was sent a letter only stating account was not cleared. Per the mortgage loan processor, I explained to XXXX the letter would have to state balance was cleared at 0 prior to receiving inaccurate information from XXXX. I have requested to speak with the CFO/COO at Confident Financial Solutions and to no avail. Please help. The XXXX has also been deducted and cleared on my bank 's end as well for payment. This is outrageous and I will not stop until there is a sensible resolution and a letter is submitted to myself and husband that debt is resolved, settled, and no monies are owed.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, 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
Product: Credit reporting or other personal consumer reports

I received a copy of my consumer report and its reporting the two accounts that I previously disputed as verified. Im requesting validation pursuant to the FDCPA 15 U.S.C 1692g of these accounts in addition to providing a description of how you certify that the information was complete and accurate. If you can not provide me with factual evidence to support how the accounts below were verified as complete and accurate, you must delete them immediately. 

NAME : XXXX XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

XXXX XXXX This name is unknown and does not belong to me. Please delete name and any accounts associated with this name. 

XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX This address is unknown. Please delete this address and any account associated with this address. 

XXXX XXXX XXXX XXXX, NY XXXX This address is unknown. Please delete this address and any account associated with this address. 


EMPLOYERS : XXXX XXXX XXXX XXXX XXXX XXXX : This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 XXXX XXXX XXXX : This account is unknown. Please provide verifiable proof or delete this account for FCRA violation 15 U.S.C section 1681 INQURIES : XXXX XXXX XXXX Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX NA Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX NA Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX Inquiry date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file. 


XXXX XXXX date XX/XX/XXXX his is an unauthorized inquiry which is a direct violation of my consumer rights under 15 U.S.C section 604 ( a ) 2. Please delete these unauthorized inquiries from my consumer file.