23daVinci/CFPB_Complaints huggingface dataset:
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 sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credited. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

I ordered a payoff so the home could be sold. NewRez was provided a written request to generate a payoff with signed borrower authorization form but NewRez refused to do send one in a timely manner. This is an ongoing issue with this servicer as they repeatedly refuse to process payoff requests for borrowers.
Product: Debt collection

I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX Comenity bank this debts are not mine. I have enclosed proof of my identity and a copy of my FTC Identity Theft Report. 

In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify these businesses and tell them the debt is the result of identity theft. 

All of my personal Belongings were in a uhaul that was stolen from in front of my hotel while i was staying while moving. i lost all important documents birth certificates, ss cards pictures wedding documents everything I have enclosed a copy of the Consumer Financial Protection Bureaus Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Inform XXXX XXXX  / comenity bank that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 

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

I am writing to dispute the following information that is on my report. I have contacted the companies XXXX, XXXX and Equifax to have the fraudulent items removed but I didnt get a response. I request that you change the incorrect things reporting on my report. 
Enclosed are copies of my credit report and other documents supporting my request. Please reinvestigate this matter and contact the national credit bureaus to have them delete the disputed items as soon as possible. 
Sincerely, XXXX XXXX XXXX XXXX Enclosures : Social, ID, Identity Theft report
Product: Credit reporting, credit repair services, or other personal consumer reports

I am set to close on a new home for my family XX/XX/XXXX but when the mortgage company pulled my credit, a delinquent XXXX XXXX 2nd mortgage appeared on my credit with notes stating included into a bankruptcy. This account was reaffirmed in the bankruptcy and I have been making payments since the BK in XX/XX/XXXX. XXXX is reporting the account correctly with no late marks and nothing about being included in the BK. Equifax shows me being delinquent XX/XX/XXXXbut the account was paid in full on XX/XX/XXXX. XXXX does not show the late mark but still shows the account included in the bankruptcy which is not the case. Again i reaffirmed the debt in the BK and have been making payments ever since.

Aslo this is a joint account with my spouse XXXX XXXX and the errors listed above are also on her credit.
Product: Credit card

XXXX, as a part of it 's XXXX transition, is closing my XXXX account, which is fine. Unfortunately, my last statement has a due date of XXXX XXXX but when I attempted to use their mobile app to pay my bill ( as I 've always done ), I can no longer log in. Now trying from a computer, I can not use their online system ( computer or mobile ) to make a payment either. They have deactivated my account profile, blocking my ability to make an electronic payment as I always have in the past. 

I then attempted to pay by phone, but the phone system says this is no longer an option either. 

My paper statement says I can pay by computer or pay by phone, yet when I try either method, XXXX is not permitting me to continue. I would simply mail a check, but I happen to be out of checks. Because XXXX is blocking my account from phone/web payments, despite what their statement says, I now have to go through many steps to avoid being delinquent. 

This is a rough transition and I am likely not alone in this situation.
Product: Credit card or prepaid card

I have three credit cards with CITI bank. One is an XXXX card with an annual fee of {$99.00}. I'd like to close that card but move my credit limit from that card to one of my other two cards with CITI. They will not allow that. So my choice is either pay {$99.00} fee per year to keep it open, or close the account and see my overall credit limit significantly decrease, therefore damaging my credit score. 

I spoke with CITI on the phone today and then used the chat feature, but they simply closed my account, saying they would not move the credit limit to another card and they would not waive the fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports.

Please investigate if every piece of information is correct. If not, please remove it from my credit report.

1. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX  XXXX Bankruptcy Case Number : XXXX Delete this account. 

2. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

3. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

5. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

6. The inquiry was not authorized XXXX XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

7. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX Please remove it from my credit report. 

8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report.
Product: Debt collection

Ive sent out two debt validation letter to the collection agency XX/XX/2021 amounts {$250.00} {$350.00} asking to provide ; Date that this alleged debt became payable Date of original charge off or delinquency Was this debt assigned to the debt collector or purchased? 
Amount paid if debt was purchased : Agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor. Theyve violated my HIPAA privacy rights
Product: Debt collection

XXXX XXXX XXXX on behalf of XXXX XXXX XXXX reported two accounts as delinquent to the credit bureaus without properly notifying me that the account will be sent to collections. I tried to dispute with credit bereaus but nothing was done.
Product: Credit card or prepaid card

My daughter paid the credit card company with her bank account. After 3 days it still didn't go thru. I myself paid the bill again b4 the XXXX when my payment is do. They still process another payment with updating my acct number after I spoke with them and gave them the correct number!!! They took it upon theirselves to close my acct without warning, charge me another XXXX bucks for return check and late fee. This is unacceptable. The bank name is XXXX XXXX XXXX ; and actually I thought it was first bank credit card. This credit card company is unprofessional and they are doing illegal practices to get extra money. I have no problem with my other credit cards..just this company
Product: Credit reporting, credit repair services, or other personal consumer reports

n accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX 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

Ive recently checked my credit report and noticed inquires that were not authorized by me. 
XXXX 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

Ive called on multiple occasions since the closure9 days ago. I have received no information in regards to a reason or a possible resolution. I have no access to any sort of money. And they will not help
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I submitted a disputed in regards to Fraudulent items that have appeared on my Transunion Credit report. Transunion has been aware of me being a victim of identity theft since XXXX of the same year as I submitted my True Identity Credentials and my Law Enforcement validation of my claim. after doing all of this in respect to the reporting agency 's protocol and the requirements of FCRA 605b. The following are accounts and inquiries in complaint : XXXX XXXX XXXX XXXX XXXX XXXX. XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX  XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX   XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX
Product: Mortgage

I would like to make a complaint against Wellsfargo Home Mortgage on loan we received in XXXX. The loan we were offered was a actually 2 conventional loans and we wondering why we were not offered any assistance for down payment as a first time home owner at that time to help with a down payment. No one told us about the incentives that the bank offered to 1st time home owners. We asked the lender if they could help with our down payment, but they said no money was available for this and instead they just put that we had {$0.00} down payment. The loan was originally. The house we were purchasing was originally sold to house by the seller for XXXX but Wellsfargo lenders and underwriters charged us XXXX for the loan. Our loan was split to two mortgages they 1.was XXXX and then they added a2nd mortgage with another lender for almost XXXX with a fixed interest of XXXX percent. We were 1st time home owner and at that time our friend who were not XXXX were getting money to help them with a down payment for their home loans and we are wondering when we asked for help why did they not offer us assistant for a down payment instead of pushing us into a XXXX loan which was were originally purchased the home from the seller for just XXXX. This is unacceptable and not justified. We were manipulated and robbed and forced into a XXXX loan for a XXXX home as that was what the seller originally sold the house for. We were stuck in 2 mortgages and forced to pay back an extra XXXX loan conventional loan with XXXX rate. We want people to be aware and we want wellsfargo to tell us why we were not offered money to help with down payment in XXXX  like others were offered
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused the unexplained closure of my account, which has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

Fraudulent Hard Inquiries were made without my knowledgement or permission
Product: Credit reporting or other personal consumer reports

I appreciate your taking the time to CORRECT some of the information in my credit file ; however, there is still another account that needs to be UPDATED. The XXXX and Equifax credit bureaus must verify this account under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). I'm hoping that this disputed account gets corrected. 
XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Debt collection

I received a notice from XXXX XXXX sometime ago about a debt I supposedly owed. I disputed previously and received a response that it was no long being collected and would be removed from my credit report. However it has n't been deleted.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX  XXXX had asked me a couple of times to update my profile with them which I always did. I was later informed that my SSN is already being used by another of the bank 's customer in a different state. I provided the bank with my SSN card, XXXX XXXX, and a government issued ID for update purpose. However, I was made to understand that the other customer using my SSN had opened a credit card account with my SSN which led to the reason of my filing a report last year on this platform. I contacted the Social Security office to make a complain and I was advised to file a report with the local police dept. which I did. I also contacted the three bureaus. On contacting Equifax, Equifax confirmed that the information I provided did not match the one in their records and asked me for more documents for further identity verification which I did. Last year ( 2019 ), Equifax sent me a mail stating that my SSN belongs to a deceased person after faxing my documents to them for the umpteenth time. Equifax is NOT helping to fix the problem. Equifax has declined dissociating XXXX XXXX XXXX from my SSN. Equifax has declined identifying me with my full and correct legal name after all requested verification documents have been faxed to Equifax.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXX, XXXX XXXX # XXXX, XXXX XXXX # 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 an account without my written instructions
Product: Mortgage

Before my loan was sold to Fay Servicing my loan never fluctuated. Now it keeps going up and up and their excuse is that my escrow is behind even when I have gotten my taxes lowered and my insurance lowered they still can not give me a good reason other than some figures that make no sense on a sheet of paper. I tell them that they need to explain this to me and they blow me off. I am being cheated by this company and I do not know what to do nor how to go any further. This is why I am bothering you folks, in hopes of getting some relief. Also, they will not refinance my loan or adjust it so my interest is lower because they are making a lot of money at my expense. My interest rate is 7.5 percent and they come up with many excuses why they can not lower my interest rate so they can make the money. They even blame the problem on the government. I think that after 18 years of on-time payments they would realize that I can make the payments but they say that my credit is not good enough and i do not show enough income to make this happen. This does not make sense to me. I am making my payments on time and have been so therefore they should see that I should have a lower interest rate. I feel they can make this happen but they are making way to much money at my expense to lower my rates. I think they are dirty dealing at my expense and i wish something could be done about it. Please help! Thank you, XXXX XXXX
Product: Credit reporting, credit repair services, 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 XXXX XXXX XXXX Amount {$3300.00} This account is incorrectly reporting a running balance which is negatively affecting my credit usage. This account is wrong and needs to be deleted off my report. 
XXXX XXXX XXXX This account was paid for and never charged off but is reporting as charge off. This is false. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX credit card accounts reporting false and incorrect late payments XXXX XXXX XXXX XXXXXXXX Incorrect Charge off this was a paid account and i even reopened a new account with them. This is all reporting falsely. 
XXXX XXXX XXXX No account numbers listed, this account is negatively reporting incorrect information and has been removed by all other reporting agencies but this one. 
XXXX XXXX False information and false reporting XXXX XXXX XXXX False reporting. This is reporting repossessions and late payments on this vehicle. This vehicle is 100 % paid off and in my possession. 
XXXX XXXX XXXX Incorrectly and falsely reporting late payments creating negative marks on my report. 
XXXX XXXX XXXX negatively and falsely reporting twice on my credit report. this is a against the law XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXX falsely reporting information that they could not provide me XXXXXXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me XXXX XXXX XXXX XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate XXXX XXXX XXXX Reporting False Late Payments Peoples Bank XXXX falsely reporting information that they could not provide me. This has already been removed off all my other credit reports its just this one will not update or properly investigate Also they are incorrectly reporting my name. My only known name is XXXX XXXX. My only address is XXXX XXXX XXXX, XXXX, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Why have you sent me insufficient proof regarding the debt above? What you sent me does not prove that I owe this debt. What happened to the following list of information that I requested.

( 1 ). Proof that you either own or were assigned the debt from the creditor.

( 2 ). Proof that you have the right to collect this debt in my state.

( 3 ). Proof that your company carries a bond.

( 4 ). Proof of how your company assessed the outstanding debt.

( 5 ). Payment history from the original creditor.

( 6 ). Name and address from the original creditor.

( 7 ). Copy of the original contract bearing my signature.

( 8 ). Chain of title on this debt.

( 9 ). Proof that you can collect this debt from me.

( 10 ). Do you own or is this debt assigned?

( 11 ) .Copies of all letters sent to me from you and the original creditor regarding this debt.

( 12 ). How much did you buy the debt for?

( 13 ). When was the last time a payment was made on this debt?

( 14 ). What fees/interest were tacked onto the debt?

( 15 ). How were the fees determined?

Since you have not sent me valid proof, your collection efforts must stop or be placed on hold until you can prove that this debt belongs to me. You must DELETE this account at once. If you fail to place collection activity on hold, you will be in violation of the FDCRA, and I will hold your company accountable. This account is in dispute and you must freeze your collection activity.

In addition to stopping all collection activity on this account, please do not contact me by phone or by mail. You can only contact me mail to let me know that you have deleted the above account.

I will be checking my credit report in the next 10 days, and if this account is not deleted due to your failure to properly validate, I will seek legal advice to enforce my rights and file complaints with the CFPB.

This letter is regarding the account listed below.

Account : Reason : Instruction : I checked my state license requirements for collection agencies and it states that in order to collect from consumers in this state, you must have a license and be bonded. I sent a letter to your company six weeks ago asking that you provide me with proof that you meet my state licensing requirements. As of today, you have not responded. Because of that, I checked your company name to find out whether you were bonded and whether you have a license to collect in my state, and your company name is not in the system. As of right now, your company is violating my states law, and penalties for violating the law are harsh. If your company does not delete the negative information that is appearing on my credit report due to your illegal reporting within 10 days from this letter, I will have no other choice but to seek legal advice and to report your company to the Attorney Generals office, the XXXX XXXX XXXX  and the Consumer Financial Protection Bureau. 

Please remove the items listed above : Im tracking all communication with your company Waiting for your deletion.