23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a home equity loan with Navy Federal Credit Union. 

The payment is due on the first of the month and not late until the 15 day. 

The payment had always been paid along with all my other debt at Navy Federal. One loan had XXXX months of early payments. 

Navy Federal debt collection practices need to be audited. 1. Navy Fe
deral has people calling as early as the XXXX day of the month harassing customers who are not technically late until the XXXX of the month like theyre a repo man or a deadbeat dad. 

2. On Friday XX/XX/XXXX after XXXX I received a call from Navy Federal saying I need to contact them immediately about a very important matterthe home equity loan. 

3. Do they do this to every customer or just the African American customers
Product: Checking or savings account

Early Warning Services did not comply with request. Instead of providing an accurate and true report, I was provided a statement which in no way shows why I cant open bank account. This is a breach of my personal privacy as it relates to transactions which early warning services are not a party to and did/do not have my consent to purchase our share any of my personal information.
Product: Mortgage

I am in the market shopping for a refinance to cash out on some of the equity to pay off higher interest debt and remove MIP. I want to shop lenders on the cost to close. From what I understand if lender pulls my credit report, they should be able to provide me Loan Estimate. I originally went through my current mortgage lender and received paperwork showing cost to close, etc. This offer did n't pan out due to bank later telling me they ca n't offer cash out in Texas due to not having a physical presence there. While putting my intention out for refi via lending tree, I received calls from XXXX XXXX XXXX # XXXX @ Royal United Mortgage XXXX # XXXX. After going through all the details which I believe involved running my credit, XXXX began boasting on how much he would save me. The object here is not what lenders are saving me, but what refinancing & cashing out equity with MIP would save me. XXXX provided a proposal document with offering - however it left out all pertinent lender costs. While we reviewed his document on the phone, I asked him for a breakdown of the costs. I explained I am shopping for best deal ( costs to refi ) and would like to use document such as Loan Estimate to compare. He immediately said he could n't provide the documentation because it was a government/legal document that would hold him accountable to should the market change. He sounded irritated - said he could only go over those costs on the phone.I also referenced that its the advice of the CFPD to get Loan Estimates and shop lenders for best deal .Is this one of the reasons the change happened in XXXX 2015? To hold lenders true ( as possible ) to the loan proposal against what occurs when closing? He also tried to steer me away from the topic and tried pointing me to links on the lender reviews. I responded, " how different has the rates/costs been in the last 30 days? '' I also referred to the CFPD advice on getting Loan Estimates and shopping. He ended up telling me I was n't being smart for asking for this. I hung up on him. 

Once they run your credit ( regardless of charging credit report fee or not ) and gathered all pertinent details on myself, should n't they be able to provide Loan Estimate? 

Please let me know if my understanding is mistaken around getting a Loan Estimate document from a lender.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX i reviewed my credit report with my Federal case manager they was outstanding balances on the report that was not from me... i have been a victim of Identity theft ..also i have sent proof to XXXX credit bureau... i just want to get this cleared up thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXX XXXX XXXX 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the Law. I have provided all needed documentation as well as a XXXX XXXX XXXX according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY.
Product: Credit reporting, credit repair services, or other personal consumer reports

I made a payment to settle this account on XX/XX/2022 and its still reporting and I have disputed with XXXX to tell them I had already paid and settled this account and its still reporting the same
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm on autopay for a closed credit card with bank of america and they reported me late in error.
Product: Credit reporting, credit repair services, or other personal consumer reports

I changed my legal name in my local circuit court on XXXX. Then changed with XXXX and Virginia XXXX. Also changed with 36 banks and online vendors. It has been over 2 months now and the 3 credit reporting agencies have not picked up my new name. Several services such as XXXX XXXX depend on the CRAs as their source of information and won't update it directly. So I suffer because of the delinquency of the CRAs. I have tried to file disputes, but they don't have a way to dispute your name of record. What can I do to get this messy business of legal name change finally cleared up and resolved?
Product: Credit reporting, credit repair services, or other personal consumer reports

After I disputed 3 accounts and 12 Hard inquires earlier in the year around XXXX or XXXX and provided and identity theft report On my consumer report because I the Original creditor and consumer never authorize nor did I give consent to Nor did I benefit from or give Any written instructions to furnish such consumer reports upon my consumer report which they are required to have and furnish such reports pursuant to 15 USC 1681b ( a ) ( 2 ). On XX/XX/2021 I requested a copy of my credit file after disputing them. On XX/XX/2021 Transunion issued a copy of my credit file After reviewing it the accounts and inquires were gone and deleted. Which is admission to TransUnions mismanagement that the processing of my credit file has not been in accordance with all applicable laws such as a accuracy and fairness to me a consumer which is requested by congress to do so pursuant to 15 usc 1681 ( a ) ( b ). Further more on today XX/XX/2021 I sent Transunion a ( 3 ) page affidavit letting them know that they are civilly liable for such violations of federal law pursuant to 15 usc 1681n ; I put them on notice that a credit score is also a consumer report made pursuant to 15 usc 1681 ( a ) ( 4 ) ; I never gave them any written instructions to furnish such report and that is needed pursuant to 15 usc 1681b ( a ) ( 2 ) ; and such consumer report ( Credit score ) that they have furnished in my name without my authorization and written instruction is another form of identity theft and unauthorized use for I do not benefit from the score in no way and such score is hindering me from obtaining my own credit making the consumer report that Transunion furnished on its on operating under color of law is a defamation of my character for I am always the original creditor and I alone grant and extend my consumer credit by my way, and right of my signature pursuant to 15 usc 1602 ( f ) ; 15 usc 1602 ( g ) ; And for such consumer report ( credit score ) that Transunion has furnished in my name without my consent hindering me from obtaining my own credit they are not just in violation and civilly liable pursuant to 15 usc 1681n but also criminally and civilly liable pursuant to 15 usc 1 restraint of commerce and trade. I the original creditor and consumer invoked specified remedies as creditor and I have demanded the following ( see in my what would be a fair resolution to the issue
Product: Checking or savings account

In early XX/XX/2022, my husband & I received a promotion in the mail from Citizens offering {$300.00} to open a savings account and requiring three consecutive deposits of {$200.00} in order to receive the promotional deposit. I opened the account in XXXX, 2022 with a {$200.00} deposit and made two more subsequent deposits on or before the XXXX of XXXX and then again in XXXX. At that time I inquired of XXXX XXXX if the opening deposit counted toward the requirements of the promotion. She told me it did. XXXX kept the promotional card with the details and we were no longer able to read the requirements, so during the first week of XXXX, I spoke with XXXX by phone to inquire where our promotional {$300.00} deposit was and he assured me that we had fulfilled the requirements and that the promo payment would be deposited 30 days after our last deposit. We never got it. I followed up with XXXX in XXXX, who contacted Corporate and reported back to me that our opening deposit did not count. I believe this is a bait & switch maneuver and that the bank should never have misrepresented their requirements to us. In view of the fact they represented improperly, I believe they should be required to pay us as promised.
Product: Credit reporting, credit repair services, or other personal consumer reports

I just received a copy of my credit report and I noticed these hard inquiries are fraudulent. Soonest I finished reading my report I went to my transunion account and lock my credit report to avoid these things from happening again. 


XXXX/XXXX XX/XX/2020 XXXX/XXXX XX/XX/2020
Product: Checking or savings account

My complaint pertains to the receipt of inaccurate information on multiple occasions from Bank of America XXXX XXXX, which resulted in the temporary closure of my IRRA account for an unintended period of time, along with missed opportunity for trading during the same time frame. On XX/XX/XXXX, I authorized a {$41000.00} disbursement from my IRRA to serve as a form of down payment for a home my wife and I purchased. I was advised by the assisting representative as long as the funds were deposited back in my IRRA within 60 days, there would be no tax implications. This is the first round of inaccurate information provided to me, since the same representative did not mention I would receive a XXXX from the disbursement. Multiple conversations occurred between the first call inquiry I made through the actual disbursement, and while I was reminded each time of the 60 day period to deposit the funds with no tax implications, I was never told the transaction would result in the receipt of a XXXX. Secondly, I was not told my IRRA was technically closed as a result of the amount of the disbursement ( more on this aspect later ). The {$41000.00} were deposited back into my IRRA on XX/XX/XXXX. The representative who called me to perform the transaction did not advise that my account was still technically closed, and did not communicate any next steps to reopen it. It was my understanding the account was active, and I left that call believing I had fulfilled the necessary steps to have the account resume trading. Basically, after the funds were redeposited, the call concluded without any mention the IRRA was still inactive, and that more action was required. I phoned Bank of America XXXX XXXX in late XX/XX/XXXX, some time during the week of the XX/XX/XXXX, to inquire as to why my IRRA account balance had not shown any activity. It was on that phone call I discovered more steps were needed to reopen my IRRA, which I proceeded to take action on in the days that followed. I also raised concerns about having received the XXXX form. I was told I would receive a tax form from Bank of America XXXX XXXX around XX/XX/XXXX, which would be needed when finalizing my yearly income tax filing. I phoned in around XX/XX/XXXX to follow up on the receipt of this tax document, and learned the document I was supposed to receive would not be sent until XX/XX/XXXX, not XX/XX/XXXX. This is yet another instance of inaccurate information that was supplied on prior calls. Because I was under the impression I would receive this tax document in XX/XX/XXXX, after the XX/XX/XXXX tax filing deadline, I submitted an extension for my XX/XX/XXXX tax filing, which was something I could have avoided had I been given accurate information the first time.
Product: Student loan

In XXXX XXXX student loans were opened with Sallie Mae, through the guidance of the XXXX XXXX XXXX XXXX of the loans was in the amount of {$6400.00} ( loan ending in XXXX ) and opened on XXXX XXXX XXXX XXXX, meanwhile the other was for {$5600.00} ( loan ending in XXXX  ) and opened on XXXX XXXX XXXX XXXX. The total originating balance was {$12000.00}. * Coming out of school, I started work making less than the national median, and had difficulty beginning the payback process, to which Sallie Mae provided hardship assistance for the first year of the required payback period. through the loan modification they provided, my initial principal balance increased, however, once the hardship lifted and credit reporting became a valid reason to begin payback, I started to repay my balance. To date, I calculated the amount paid back to Sallie Mae is approximately {$10000.00}, meanwhile as of XXXX XXXX XXXX, the current balance for loan XXXX  is {$8200.00} and for XXXX  is {$6500.00} making the total current balance {$14000.00}. * To summarize, the loan balance started at {$12000.00}, I've already paid XXXX, and it's currently {$14000.00}. On top of this, the harassing collections calls over the past XXXX years have made a poor situation even worse, and I encourage you to listen to any and all recordings attached to my file, as many of them will display my grievances towards this whole situation. I need help in fighting this balance, as there is no way I can defend myself against an unfair contract, in the general benefit of the business against my finances. This might look like a valid model on paper, but in reality, it has completely crippled my financial life, and there is no end in sight. To think how many other people have contracts like this, and how much money these companies are making off of students, explains much of the financial problems that this country as a whole is facing. Please help.
Product: Debt collection

XX/XX/XXXX I received a notice from Meridian Financial regarding a delinquency on XXXX XXXX XXXX  maintenance fees without ever getting request for payment from XXXX XXXX. Please see below.
Timeline : This property was conveyed ( through divorce inXX/XX/XXXX) to XXXX XXXX XXXX.
Since that date, I ( XXXX XXXX ) had not received any requests for payment of said Maintenance Fees ; therefore, I assumed XXXX XXXX was making payment.
XXXX XXXX filed bankruptcy inXX/XX/XXXX; whereby this property was includedXX/XX/XXXX i provided copy of divorce decree to Meridian. They in turn indicated that XXXX XXXX had not filed an updated Deed of Trust, removing me from the property.XX/XX/XXXXI obtained counsel and an updated Deed of Trust was filed in XXXX County. Copy was provided to Meridian onXX/XX/XXXX.
XX/XX/XXXX Meridian letter received stating XXXX XXXX had accepted the transfer of ownership, but was still holding me accountable for prior Maintenance Fees.
Product: Checking or savings account

Terms of the Key Banking checking account is that there is a $ 7 monthly maintenance fee if {$500.00} in deposits are not made. In XX/XX/XXXX, two deposits totaling {$500.00} ( {$250.00} each ) were made to the account but the {$7.00} fee was charged because the days of the month and statement dates did not line up exactly. Contacted Key Bank about this issue XX/XX/XXXX and they agreed it was an error due to the dates but said could not correct due to being " too old ''.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello! 

I tried in XX/XX/XXXX and then again today to get a copy of my credit report and put a freeze on the account. In XX/XX/XXXXit was online ; today it was over the phone. 

In XX/XX/XXXX I received my credit report from the other two major agencies - XXXX  and XXXX ; I had no problem what-so-ever and placed a freeze on my accounts. 

Late last week my wallet was stolen containing my credit cards, bank card, driver 's license, and other id. I tried yet again today ( XX/XX/XXXX ) to get my Equifax credit report and place a freeze. Even after speaking to a manager, NO ONE WOULD HELP ME. 

I gave them my home address - XXXX XXXX XXXX, XXXX XXXX CO XXXX -associated with my credit card, but they would not help me. Neither rep tried to verify me. They both said, " we can't help you at this time. '' By the law, I am entitled to one free credit report each year, but Equifax is refusing to assist me. Their customer service is also atrocious. The manager made a racial reference. 

Is there anyone who could help me? 

Thank you and kind regards, XXXX XXXX XXXX
Product: Vehicle loan or lease

My loan payments are not systematically applied to principle and interest despite no change in interest rate. The application of payments that should go to principle but are instead going to interest have increased the cost of my loan.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I am writing to dispute fraudulent accounts appearing on my credit reports with Experian, XXXX, and XXXX. These accounts were opened without my consent, violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Accounts in Dispute XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX : Account # XXXX ( All XXXX ) XXXX XXXX XXXX : Account # XXXX ( Experian ) XXXX XXXX : Account # XXXX ( All XXXX ) Despite submitting a valid identity theft affidavit from IdentityTheft.gov, the credit bureaus routinely block claims of identity theft for no valid reason. This practice blatantly disregards 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block fraudulent information when provided with an affidavit and supporting documentation. 

The continued reporting of these fraudulent accounts is unlawful and harmful. Experian, in particular, has issued generic denials and refuses to investigate, violating 15 U.S.C. 1681i ( a ) ( 1 ), which mandates reasonable investigations into disputed information. These actions obstruct my right to accurate credit reporting and demonstrate willful noncompliance with the FCRA. 

I request immediate action to ensure these accounts are removed from my credit reports and that the credit bureaus are held accountable for their violations of federal law. 

Thank you for your attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these items in accordance with FCRA 605B ( 15 U.S.C. 1681c-2 ). It is not acceptable to report these items as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely removed : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$1300.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$3000.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1300.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXXBalance : {$950.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

JEFFERSON CAPITAL SYSTEMS LLC reopened an account collection on XX/XX/2023 which is now showing on XXXX. I did not give them permission to have access to my information and the account collection is over 8 years old. I tried disputing the case on XXXX and information was updated to remarks. This collection should not be on my report by now.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern It has been brought to my attention that your company continues to ignore my requests for the removal of these late payments and inaccurate information still reporting on my credit report. 
The following late payments are reporting inaccurate and therefore need to be reinvestigated. 

Inaccurate late payments and incorrect and incomplete information 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXX XXXX XXXX XXXX XXXXXXXX Update to Open/Never late there is some inaccurate information reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Update to Open/Never late 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTS XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Update to Open/Never late
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct. 
XXXX XXXX XXXX  XXXX
Product: Credit reporting

I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from equifax saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks vijay