23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

To whom this concerns, Navy Federal credit union allowed my Aunt whom lives with me now, and shares the same phone number as me to apply for a credit card. She added me as an authorized user on the card. The Navy Federal Credit union, applied the card in my name sent it to my home. Along with their disclosure and agreement. Also posted this to my online access account and, let me activate the card that is in my own name. 

Following activation, i am not allowed to use the card i find out that it is blocked by the security department after initializing the chat function with their Card Services department. The agent in the chat then tells me to call in and speak on behalf of the account. Per their terms and agreement which is not clearly defined. Authorized users may call and discuss the account in which they are authorized to speak on, or are a authorized user of. When i called to speak on the account the agent was very rude and said that even though my Aunt. Which is the card holder, is in the hospital there is nothing they can do about it. They have to speak to her. 

I then advised them of their terms and agreement which is the card agreement i received with the card which clearly authorizes me to speak on behalf of the account since it is posted to my online access as well as the card in my name. The Manager at that time tells me that i am correct and he will research it. 

He comes back on the line and clarifies that i did not apply for the account. I said no i did n't. He then ask what is my relation to the primary holder, I said that 's my aunt. He then tells me hold again. Comes back on the line after another 15 minutes and his tone totally changed. He then tells me now the account is not fully established now, and that i am not authorized to speak further from now on. That he is going to go ahead and tell me to have my aunt call. He then advises me if i would like to close my membership. I said no, but why do your terms and conditions say that i can speak on behalf of the account. He said then at that time, i am going to hang up i do n't have to answer your questions further. 

So now i am reaching out to the CFPB supplying the terms and agreement below which clearly define the agreement. I will also attach the card number in which is in my name as well. Please help resolve this.
Product: Credit reporting

I 'd like to file a complaint against TransUnion for violating section XXXX Of the FCRA. On XXXX XXXX, 2016, I filed a complaint with TransUnion for reporting inaccurate information. TransUnion verified the accounts in questions & said I need to deal directly with the data furnishers to correct any inaccurate information. I have now sent XXXX TransUnion and all the data furnishers listed below the required letters & I have not received anything from any of the companies. I 've further sent TransUnion request to remove these items for lack of response & they 'd ignored my requests to remove the tradelines which I know are inaccurate. TransUnion is now violating section XXXX, XXXX & XXXX & I 'd like these accounts removed immediately. I 've attached all correspondence for your internal investigation.
Product: Credit reporting, credit repair services, or other personal consumer reports

Been trying to fix this problem for a long time. A lot of information is incorrect. I cant receive a proper credit report. Ive put in an identity theft report. Ive placed fraud alerts to all three bureaus.
Product: Bank account or service

I open account with chase bank in Nevada I had over {$10000.00} in saving and small checking account over {$5000.00} aftera few checks. then I did not have any activity in my account. I let mymoney stay in bank with combined of checking and saving over {$14000.00} I was very busy to remodeling my future property forbusiness I decided to check my account for balance to open newbusiness account. I notice that chase bank was deducting $ XXXXfrom my account every month clos to a year. 
I called the bank. the said they can only give me Three monthsback not any more. go to branch and talk to them. 
I did as they guided me. but the branch did not do anything. 
I had no choice to close my account and lost {$500.00} to chaseBank even the employee first refused to give my money back. 
and close the account for because I told him that I am going tocomplain through face book, internet, any where I can and have myvoice to be heard. then he said now since you said that call thisnumber and get your money from them. I showed reaction. and toldhim you need to pay me now and I have no desire to have anybanking with chase at all. therefore I closed my account with $ XXXXlose and left the bank that supposed to keep my money safe. 
instead they stole my money. I like to know what is my option. 
Please Help.
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the FCRA 15 U.S.C 1681 everything has to be 100 % ACCURATE. I have the credit report showing the inaccuracies. 

I sent my letter off to correct the " Names, Addresses, and Phone Number '' on my credit report. I have listed below. Also I have attached the letter I sent out. 

XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX, OK XXXX
Product: Debt collection

I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clealy stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.
Product: Credit reporting or other personal consumer reports

XX/XX/year> Dear ( XXXX, XXXX, XXXX ) I received a copy of my credit report and I have found the following item listed below to be in error. This account is listed with late or missed payments and that is incorrect. The following account was NEVER late and should be listed as PAYS or PAID AS AGREED. The account listed below was put on a Financial Hardship agree as of XXXXXXXX  due to a natural disaster in XXXX, FL . On this date Upgrade was aware of three hurricanes hitting in my area. So I was advised by a representative that I would be put on a financial hardship agreement where I would only pay {$30.00} a month. I mad those payments and even paid over {$30.00} some months. Then XXXX XXXX XXXX was hit by hurricane XXXX that turn into a tropical storm. I contacted upgrade again and they switch my hardship to a deferred plan. With both plans per contract they do not report to the credit bureau. I will be attaching statements that show I was making {$30.00} payments or more per my Financial hardship contract. 


Upgrade XXXX Account Number # XXXX I was never late on ( XX/XX/year> ) on this account please update the account as Paid/Current.
Product: Student loan

Starting XX/XX/2017 I switched my monthly payment date to the XXXX of each month and I began to make extra payments towards the loan with the highest interest rate. I do automatic monthly payments since its easier and I supposedly get a discount on interest rates. I have 5 total loans with Discover. Every month since XX/XX/2017 the company has failed to distribute my money appropriately amongst each loan for my monthly payments. They also failed to put my extra payments towards the loan with the highest rate. Instead they would distribute it among the 4 loans and nothing towards the highest interest rate loan. There would be months at a time where none of my monthly payments would be going to a certain loan so I would get behind on that loan and then owe a ton of interest on it two months later. I have tried for the past three months to get this fixed and the first time they attempted to fix it it was not done correctly so I emailed them an example of exactly how I wanted my money distributed. A month later they sent me a letter saying they couldnt do it. I have tried calling them numerous times and emailing them numerous times for the past several months and have gotten nowhere.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft and this is my request to remove the negative items from my credit file resulting from alleged identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/2019 Balance : {$14000.00}
Product: Credit reporting or other personal consumer reports

I opted out of all authorization written, unwritten, verbal, and non verbal Per 15 U.S.C. 6802. ( letter attached ) privacy act 1974.

No agency shall disclose any record which is contained in a system of records by any means of communication to any person, or to another agency, except pursuant to a written request by, or with the prior written consent of, the individual to whom the record pertains [ subject to 12 exceptions ]. 5 U.S.C. 552a ( b ).
Product: Prepaid card

On XX/XX/year> Cash App froze my account and I can not withdraw my funds. I sent my id, front and back and my id with my face in the pic. They will not give me my money. They said if I close my account, I will lose my funds. I have {$33.00} in their XXXX section of Cash App and wont let me have my funds.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing in regards to having these items deleted from my report. I am a victim of identity theft and I did not authorize these inquiry requests mentioned in the list. I have reported the theft of my identity to the Federal Trade Commission and I have attached the identity theft report.
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.

List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX**** ) I called for a deferment for a few months due to the Covid 19 Pandemic. They agreed that a ate payment for the following 3 months would not report as a late pay on my credit report and they did not comply ... to my surprise I have my credit report to be qualified for my 1st home and there is the late payment that they stated they would not report ... this is killing my score and now i do not qualify for the home ... i need this reversed immediately to read paid on time ... .I need the 30 day late for XX/XX/2020 updated to paid on time as we had an agreement.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I was going to lease a house and wired a security deposit and first/last month rent to XXXX XXXX XXXX XXXX XXXX Bank of America account to a Chase Account. 

I signed the lease agreement and the property was never made available. upon finding out the property was not available and realizing it was a scam I contacted Bank of America and filed a fraud claim on XX/XX/XXXX. 

I provided Bank of America with all the documents I received, lease agreement, information on the person that put the property for lease and all their bank information. 

Bank of America initiated a fraud claim. I constantly called to get updates and Bank of America check and fraud department wound tell me that they needed to extend the investigation. After months of not hearing from them I called on XX/XX/XXXX and spoke to XXXX in the Check and Fraud Department and she told me that my case was closed and my funds were not recovered. 

Bank of America never sent me any notice or kept updated on the investigation. 

XXXX lost : {$11000.00} Claim Number : XXXX
Product: Credit card or prepaid card

I have been a Care Credit Customer for over 2 years now. I opened my XXXX statement and the charged me {$1400.00} for interest! I called them and they said a " promotional period has ended ''. I was still being charged interest before this " promotion '' just ended. They said they can take the interest off if I make a {$1400.00} payment in 10 days. So technically they are not taking the interest off. I have been using this card and paying the payment on time for 2 years. So apparently, they did not allocate the payments properly for the 2 years. This charge put me at the over the limit amount. So now I will have to pay a penalty on top of that. Very shady way of doing business.
Product: Credit reporting or other personal consumer reports

My accounts have been charged off over 3 years ago however they are still being erroneously reported. 

The accounts are attached to XXXX XXXX for the following amounts : {$14000.00}, {$11.00}, XXXX reporting to XXXX, Experian and XXXX. 

Reporting to Experian for {$4300.00} 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION ( 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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. 

Duty : A moral or legal obligation ; a responsibility Accurate : correct in all details ; exact Prohibition : A law of regulation forbidding something As defined by The Internal Revenue Service ( IRS ) Even if you didnt receive a Form 1099-C, you must report canceled debt as a gross income on your tax. 
The IRS clearly defines a charge off as Gross or Ordinary, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! 

By definition the IRS clearly says a canceled or charge off is income. The reporting of this account as a debt is inaccurate. 
15 USC 1681 s- 2 says XXXX XXXX XXXX XXXX is a furnisher of information to a consumer reporting agency. 
You are PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/inaccurate information immediately. 

15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 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. 
You are hereby put on NOTICE that you are furnishing incorrect inaccurate. 
The lender must file Form 1099-C and send you a copy of the amount of debt canceled is {$600.00} and the lender is a financial institution, credit union . Federal government agency, or other applicable entity as discussed earlier... 
The above paragraph is taken directly from IRS publication
Product: Credit reporting, credit repair services, or other personal consumer reports

Two fraudulent accounts were opened in my name and approved through Citibank. One was for a home depot credit card and the other for a best buy credit card. After talking to Citibank, I found out some concerning information that should have been a red flag for them to deny the application. The bad actor/s had a birth year of XXXX. I was born in XXXX. No one forgets what year they were born. The other concerning thing is that the address they used to apply was somewhere in XXXX, Michigan. I have lived in XXXX XXXX, PA since XXXX and I still reside there to this day. I've never even visited the state of Michigan, let alone moved there. So far, only the home depot account has been reported as a new account opened in my name. I know the best buy account being opened will probably be coming next. I only knew of this b/c on XX/XX/XXXX at XXXX at night I looked at my XXXX  account and it notified me that 2 hard inquiries dropped my XXXX XXXX. When I investigated it, it led me to Citibank. I contacted them soon as they opened up on XX/XX/XXXX. Today, a new posting of the account appeared and dropped my score XXXX more points! Yes, Citibank is investigating but they are not moving fast enough. At least they could move at the same speed they carelessly authorized criminals to make purchases through my hard earned XXXX XXXX. So far, I have have contacted Citibank, XXXX, and XXXX. XXXX stated they would alert XXXX and XXXX for me so I didn't have to make an additional call.
Product: Credit reporting or other personal consumer reports

Subject : Formal Dispute and Intent to Sue Unauthorized Reappearance of Accounts To Whom It May Concern, I am writing to dispute the unauthorized reappearance of several bank accounts on my credit report. These accounts were previously removed, and their reappearance is both erroneous and damaging to my credit profile. 

The account in question are as follows : - XXXX XXXX This unauthorized action has caused significant distress and potential financial harm. I demand the immediate and permanent removal of these accounts from my credit report. Failure to do so will leave me no choice but to pursue legal action to protect my rights and seek damages for the harm caused by your negligence. 

Please consider this letter as my formal notice of intent to sue if the aforementioned accounts are not removed promptly. I expect written confirmation of the removal within 15 days of receipt of this letter. 

Thank you for your immediate attention to this matter. 

Sincerely,
Product: Debt collection

I am contesting the account with SYNCB/GAP. It is an account that was opened without my consent. It is showing a balance of {$0.00} with a {$590.00} credit limit. XXXX is stating on their report that it is even late and over the limit with a 0 % usage. I need XXXX and SYNCB/GAP. to correct this account on my XXXX report. I should not owe SYNCB/GAP. anything since the account was opened and used without my consent, and I have been a victim of idenity theft. Please correct this on my XXXX  report it is showing negative remarks. I am trying to refinance my home a I can not until this is removed from XXXX Report and corrected. Please remove. It has been corrected on my XXXX and XXXX reports, too.
Product: Debt collection

Unbeknownst to me, I received an alert a few days ago from XXXX  monitoring that I have collection activity. My mind was indeed blown as Im currently in the process of purchasing a home. Midland debt collection was listed on my credit report and I have no idea who/what this is for. So of course, I call and tried to piece the puzzle together. Unfortunately they couldnt give me much detail other than the original creditor and the amount owed. I asked for some type of documentation as I dont recall ever applying to this company. They basically repeated the same thing and wasnt helpful. I requested a debt validation letter and they could not provide. I asked for a contract/statement but to no avail. This is extremely frustrating as I have absolutely no idea how this could have happened to me!
Product: Credit reporting

I have XXXX broken apartment Lease agreements ( not mine ) from my ex husband being reported on my credit I have sent XXXX letters asking them to be removed ( first XXXX in XXXX 2015 then every 45 days following ) and sent attached copies of my divorce etc ... They refuse to investigate or contact the leasing company to verify this info so I am at a loss of where to turn ... .The leasing co are XXXX XXXX XXXX and XXXX in XXXX XXXX Texas
Product: Debt collection

I am dealing with the company Portfolio Recovery Associates. They are attempting to collect on a debt that is not mine. I sent them a letter for VALIDATION asking for proof that I have a contract bearing my signature with their company.as I also asked them for documents to show what the money they say I owed them was for, how they calculated that amount. I asked for any and all evidence that they can provide. 



I asked for a validation with specific questions pertaining to validation, they did not respond to my letter as. I politely asked. They are reporting a fraudulent tradeline on my credit report that is impacting me severely during this Covid 19 epidemic. I am providing all documents to support my complaint. 

Portfolio Recovery Associates, LLC is a very nasty company that preys on hard working Americans and should be ashamed of the terrible things they are constantly doing to good citizens.
Product: Mortgage

Newrez LLC/Shellpoint Mortgage has failed to replenish and service our escrow account after erroneously taking money out to pay a private flood insurance due to them making an error paying our actual flood policy in a timely manner. 

Although the company finally acknowledge and paid for damages due to the mistake of not paying our policy and replenishing some of the money taken out of our escrow savings, the company has failed to refund the amount back to escrow of {$1100.00} withdrawn on XX/XX/XXXX. 

We have made numerous calls and spoken with many supervisors, all promising that it will be returned to the account as it should be since it was never meant to be taken out. This has been ongoing for 4 months since XX/XX/XXXX with no resolution nor the promised callbacks to verify for us that it has been completed and funds returned. The account does not reflect the amount of {$1100.00} being refunded anytime since then. 

An amount of {$2300.00} was returned on XX/XX/XXXX but the rest still not put back and ever since then it has been a circle of promises and no paperwork showing to us, the homeowners that this is completed. 

This has affected our monthly payments due to creating a shortgage which the company has assesed in a 12 month period, thus in turn making our mortgage higher. This is unnaceptable as we have never made a late payment to our account. If we paid late on the account any lender would want their money no matter what, to even go as far as take the house from us. We only expect better from our lender and so far is a hit or miss. 

We are tired of being lied to and having our escrow money mishandled in such a manner and are asking for assistance in this matter once and for all. Otherwise, we will have to be forced into legal means of fixing this problem as once again, it has created unwanted shortage of escrow, made our monthly payment go up and not returning funds that do not belong to the servicer is to be considered theft and a crime. The servicer was sent a complaint already and letter of error before. Lender fixed that problem but created another, so this is the second and will be the last time before legal recourse is taken by us.