23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Navy Federal Credit Union made a fraudulent response to my previous complaint XXXX, and I am attaching evidence to prove it. 

I have described how Navy Federal Credit Union violated my rights to digital accessibility, as a person with a XXXX, when they suspended my ability to make my loan payments online. I attempted to make multiple payments online in XX/XX/2024, prior to my loan account becoming past due. None of them were processed by Navy Federal Credit Union because they suspended my ability to make online payments, as evident by the attached email. While the email is dated XX/XX/2024, the suspension of my ability to make online payments began in XXXX. There is record of me calling the credit union to make my payment over the phone because the representative informed me my online payments weren't being processed due to this suspension. Navy Federal Credit Union lied in their response to my complaint claiming that they did not suspend my ability to make online payments. I want them prosecuted for this fraudulent response, violation of fiduciary responsibility, and XXXX discrimination. Furthermore, it is unlawful for Navy Federal Credit Union to ever suspend my ability to make online payments. I have a right to reasonable accommodation, and digital accessibility, as a person with a XXXX. This requires me to be able to manage my accounts online with my assistive technologies. 

Navy Federal Credit Union 's fraudulent response is below : We reviewed our records and confirmed there was no restriction on our members account during the referenced timeframe which prevented our member from making payments to the loan account via Online Banking or the mobile application. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding our members XXXX XXXX new vehicle loan account. We will not request the removal of valid data from our members credit file. XXXX XXXX does not tolerate discrimination, harassment, or inappropriate conduct by or against employees, members, vendors, contractors, or any other individuals who conduct business with us. Should XXXX XXXX have any questions, he XXXX contact our Collections Department at XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

SECOND NOTICE FORMAL DISPUTE LETTER ( For CitibankXXXX XXXX XXXX XXXX XXXX Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Attn : Consumer Support Services XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Subject : Dispute of Debt Cease and Desist All Collection Activity Dear XXXX XXXX XXXX, I am writing to formally dispute the validity of the alleged debt referenced in your Pre-Legal Notice dated [ Insert Date ] regarding account number XXXX. I do not acknowledge this debt as mine, and I am requesting full verification under my rights as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g.

Disputed Account Details : Original Creditor : Citibank , N.A . 
Merchant Name : Diamond Preferred Charge-Off Date : XX/XX/year> Current Creditor : XXXX XXXX XXXX XXXX XXXX XXXX 
MCM Account Number : XXXX Alleged Balance : {$7400.00} I am demanding full validation of this debt, including : A complete account history, including statements and signed agreements proving my liability. 
The original contract or agreement with Citibank , N.A . that establishes my legal obligation. 
Proof that your company legally owns or has been assigned this debt. 
A breakdown of the alleged balance, including principal, interest, and any fees applied.

Until the requested information is provided, I am asserting my rights under 15 U.S.C. 1692c and requesting that you cease all collection efforts, including phone calls, emails, and letters. Any further attempt to collect this debt without proper validation may be considered a violation of the FDCPA.

Additionally, if this debt is inaccurately reported to credit agencies, I am requesting its immediate removal under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

If this debt is the result of identity theft, an incorrect charge, or an erroneous assignment, I expect immediate resolution. If litigation is pursued without proper verification, I will consider legal action against your company. 

Please confirm receipt of this dispute and provide the requested documentation within 30 days as required by law. Failure to validate this debt will be considered confirmation that it is invalid and must be removed from any collection or credit reporting activities. 



Attachments ( if applicable ) : Copy of Debt Collection Notice Copy of Any Previous Correspondence Copy of Identity Theft Report ( if applicable )
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

COLLECTION ACOUNT POSTED ON MY CONSUMER REPORT, VALIDITY OF THE COLLECTION ACCOUNT. I NEVER SIGNED A CONTRACT WITH CREDENCE RESOURCE MANAGEMENT NEITHER HAVE I DONE ANY BUSINESS WITH THEM. NEITHER HAVE I SIGNED ANY CONTRACT WITH XXXX XXXX XXXX. I DO NOT OWE THIS DEBT
Product: Credit reporting, credit repair services, or other personal consumer reports

I have filed a dispute in regards to the incorrect items on my report. It has been well over 30 days and I haven't received investigation results. 

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

XXXX XXXX after receiving my written statement and police report that insured mailed and signed by one of their employees, refuses to remove the debt from my credit reports. I am seeking legal action with an attorney in their state. 
This debt does not belong to me. My written statement on all my credit reports, since 2015   states that I am a victim of identity theft.
Product: Mortgage

I closed the bank account that was associated with an ACH autopay on my Shellpoint mortgage. The next day, I attempted to redirect the ACH autopay to my new account, but was prevented from doing so, because there were just 5 days until the next autopay, which is a " freeze '' period ( during which time the source account can not be changed ). At that point there was nothing I could do -- the ACH autopay request was made against my now closed account. I paid the mortgage in full two days later via phone and switched the autopay to my new account. A few days later I received a letter telling me that a {$40.00} insufficient funds fee was being imposed, because of the ACH rejection. When I called to ask for the fee to be waived, because I had attempted to change the autopay source but could not due to their system, the representative told me ( on a recorded line ) that the fee could not be waived because the mortgage company, Shellpoint, was charged {$40.00} by my prior bank for attempting to withdraw against a closed account. I confirmed with my prior bank ( XXXX ) that this is false. Institutions like Shellpoint are rarely, if ever, charged for attempting to make an ACH withdrawal against a closed account. Shellpoint refused to waive the {$40.00} ACH fee and continued to insist that they were forced to pay the money to my prior bank, which meant they had to collect it from me. I believe this untruthful statement constitutes an attempt to collect a mortgage service fee in violation of state and federal consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax improperly handled my personal data leading to it being compromised in a XX/XX/XXXX hack that compromised 140 million people 's personal data including social security numbers, addresses, credit card numbers, etc. Their lack of proper data handling security directly led to this leak of my information. 

On top of that, Equifax did not come public about the loss of information untilXX/XX/XXXXXX/XX/XXXX. 

Additionally, Equifax is attempting to make people waive their right to legal action against the credit reporting agency when a user attempts to place a fraud alert on their account.
Product: Checking or savings account

the app states it should take 1-2 days to verify my bank accounts, however it states it will take until X/XX/17 since activating the app on X/XX/17, which is 5 days, a dramatic time difference.
Product: Checking or savings account

We use Capital One for Checking and Savings and utilize their bill payer function to make payments. On XX/XX/2024 we used the bill payer to make a payment of {$350.00} to what we thought was a XXXX credit card account but was in fact a XXXX XXXXXXXX XXXX  account that has been closed for some time ( by accident ). When we realized the error we began contacting both banks to try and recoup the erroneous payment amount. Both banks claimed contacting the other was the proper method for resolving the issue. Our XXXXXXXX XXXX XXXX account has been closed/paid in full for some time ( years ) and there was no payment due to them. Capital One claims they transferred the {$350.00} to XXXX and XXXX has the funds. XXXX claims their policy is to not accept payments for closed/paid in full accounts and that they refused the payment which should have returned it to Capital One/us. Somewhere between these two banks is a payment made in error for {$350.00} and neither is really helping us resolve the situation by having the {$350.00} returned to us. I have spent hours on the phone with each and am my wits end hence why I am seeking help from CFPB to see if they can prompt something from either bank. Capital One claims it was sent, XXXX claims they would reject it/not accept it for a closed account. We filed a dispute with Capital One and they say because the money was sent there is no dispute yet XXXX says they never received nor have the money. One or both of them are not interested in actually investigating and seem content on the money having been deducted from our account.
Product: Credit card or prepaid card

I still haven't received the payments or the card for the payments from when the pandemic start - XX/XX/XXXX, I'm still trying to get my back pay
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM XXXX XXXX AND IM SUBMITTING THIS COMPLAINT MYSELF AND THERE IS NO THIRD PARTY. MY PURPOSE OF THIS COMPLAINT ISN'T TO GET THIS ACCOUNT VALIDATED ( ACCOUNT # XXXX ), THE PURPOSE OF THIS COMPLAINT IS TO ENSURE THIS ACCOUNT WILL BE PERMANENTLY REMOVED FROM MY CREDIT REPORT AND TO BE PAID FROM THIS COMPANY FOR THEM VIOLATING MY CONSUMER RIGHTS. PLEASE UNDERSTAND THAT I AM NOT SAYING THIS ACCOUNT WAS OPENED WITHOUT MY PERMISSION, I AM CLEARLY STATING THAT YOUR COMPANY VIOLATED MY CONSUMER RIGHTS. ALSO, PLEASE DONT TRY TO SAY THE FCRA, FDCPA, AND TILA ACT/ TRUTH AND LENDING ACT DOESNT APPLY TO YOU BECAUSE YOURE NOT A DEBT COLLECTOR, WHEN IN FACT THE TERM DEBT COLLECTOR MEANS ANY PERSON WHO USES ANY INSTRUMENTALITY OF XXXXNTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE COLLECTION OF ANY DEBTS, OR WHO REGULARLY COLLECTS OR ATTEMPTS TO COLLECT, DIRECTLY, OR INDIRECTLY, DEBTS OWED OR DUE OR ASSERTED TO BE OWED OR DUE ANOTHER. NOTWITHSTANDING THE EXCLUSION PROVIDED BY CLAUSE ( F ) OF THE LAST SENTENCE OF THIS PARAGRAPH, THE TERM INCLUDES ANY CREDITOR WHO, IN THE PROCESS OF COLLECTING HIS OWN DEBTS, USES ANY NAME OTHER THAN HIS OWN WHICH WOULD INDICATE THAT A THIRD PERSON IS COLLECTING OR ATTEMPTING TO COLLECT SUCH DEBTS. FOR THE PURPOSE OF SECTION 16g2f ( 6 ) OF THIS TITLE, SUCH TERM ALSO INCLUDES ANY PERSON WHO USES ANY INSTRUMENTALITY OF INTERSTATE COMMERCE OR THE MAILS IN ANY BUSINESS THE PRINCIPAL PURPOSE OF WHICH IS THE ENFORCEMENT OF SECURITY INTERESTS. SO, FROM THE DEFINITION ABOVE WE SEE THAT A DEBT COLLECTOR MEANS ANY PERSON WHO ATTEMPTS TO COLLECT A DEBT, WHICH WOULD ALSO BE YOU!!! UNDERSTAND THAT YOURE UNDER PENALTY OF PERJURY. Medical Business Bureau , LLC violated 15 usc 1681a ( 2 ) ( B ), 15 U.S. Code 1681b ( a ) ( 2 ), 15 U.S. Code 1681 ( A ) ( 2 ), and 15 usc 1692j ( a )
Product: Credit reporting or other personal consumer reports

The following credit card accounts should not be reflecting on my current credit report due to natural disaster XXXX in XXXX. During the Pandemic it was a difficult time and I struggled with illness, a death in the family due to XXXX, and financial hardship making it difficult to maintain my bills resulting in multiple late payments As you will see I have been in good standing with all of my credit until XXXX hit. Take note of the following credit card accounts reflecting late payments during the Pandemic : 1. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 2. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 3. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance $ XXXX OPEN 4. XXXX XXXX  XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XX/XX/XXXX 5. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 6. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 7. XXXX XXXX OPENED DATE : XX/XX/XXXX Account # XXXX Balance {$0.00} - OPEN 8. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance $ XXXX OPEN 9. XXXX XXXX XXXX DATE OPENED : XXXX XXXX, XXXX Account # XXXX - Balance XXXX Closed XXXX XXXX 10. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX - Closed XX/XX/XXXX 11. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance {$0.00} - Closed XXXX XXXX 12. XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX - Balance XXXX - Closed XXXX XXXX 13. XXXX XXXX XXXX OPENED DATE : XXXX XXXX, XXXX Account # XXXX Balance XXXX Closed XXXX. XXXX 14. XXXX XXXX OPENED DATE : XXXX. XXXX, XXXX Account # XXXX Balance XXXX - Closed XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Subject : Request for Blocking Information Resulting from Identity Theft - FCRA 605B Dear Sir/Madam, I am writing to formally request the blocking of certain information from my credit report under the provisions of FCRA 605B ( 15 U.S.C. 1681c-2 ) due to suspected identity theft. As per the Fair Credit Reporting Act, I am entitled to request the removal of fraudulent information within 4 business days after providing the necessary documentation. Below is the information required for the blocking request : ( a ) Blocking Information As part of my request, I have enclosed the following required documentation : Proof of my identity ( such as a copy of my government-issued ID ). 
A copy of the identity theft report filed with the relevant authorities. 
Identification of the information I believe is fraudulent, along with the details of the specific transactions in question. 
A statement confirming that the disputed information is not related to any transactions I have authorized. 
( b ) Notification to Furnishers Once the block is processed, I understand that the consumer reporting agency will notify the furnisher of the information that : The information may be the result of identity theft.

An identity theft report has been filed.

A block has been requested.

The effective dates of the block.

( c ) Declining or Rescinding a Block In accordance with the law, I am aware that a consumer reporting agency may decline or reverse the block if : The information was blocked by mistake or the request was submitted in error. 
A false statement was made in the request. 
The consumer benefited from the fraudulent transaction ( e.g., received goods, services, or money as a result of identity theft ). 
If the block is declined or rescinded, I expect to be promptly notified as outlined under Section 1681i ( a ) ( 5 ) ( B ), similar to notifications regarding the reinsertion of information in my file.

( d ) Exceptions for Resellers If applicable, I acknowledge that a reseller of consumer report data is not required to block information if they do not currently furnish or resell the disputed information. In such cases, the reseller must notify me with details of the information source. 
( XXXX ) Exceptions for Check Services Companies I understand that check services companies are exempt from these provisions. However, they are required to refrain from reporting identity theft-related information within 4 business days of receiving the necessary documents.

( f ) Access by Law Enforcement I also understand that this request does not prevent law enforcement from accessing blocked information as required by law. 
Please let me know if you need any additional information or documents to proceed with this request. I appreciate your attention to this matter and look forward to your prompt response. 
Thank you for your time and assistance. 
Sincerely, XXXX XXXX Date of Birth : XXXX Social Security Number : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. XXXX XXXX XXXXXXXX 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy 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.

According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, I received my credit file from Equifax/results from their investigation regarding XXXX XXXX XXXX XXXX account number XXXX and Equifax Confirmation number XXXX.Equifax investigation is inaccurate.On XX/XX/XXXX, I opened XXXX XXXX XXXX and is now called XXXX XXXX XXXX XXXX for XXXX XXXX in XXXX XXXX Michigan for auto repair and in XX/XX/XXXX this account was closed and paid in full.It is now XXXX, well over the 10 years and this account should have dropped off from Equifax as well as XXXX and XXXX   , but it hasn't.On XX/XX/XXXX around XXXX, I called XXXX XXXX XXXX XXXX and spoke to customer service agent XXXX @ XXXX, and she stated that Equifax, XXXX and XXXX should have removed this old account from your credit reports.I asked XXXX @ XXXX what is the the date it was closed because it does not show on my Equifax file and she stated that the closing date is not in their system but the last activity XX/XX/XXXX.I know this account is more than 10 years old.Therefore, equifax investigation is inaccurate.This closed account that's paid is hurting my credit score and overall credit and must be removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received a copy of my credit report and see unrecognized inquiries on my report. I have not applied for credit with these companies and contacted the bureau to address this issue. 
On XX/XX/XXXX XXXXXXXX, XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX all inquired about my report. I do not have any knowledge of these inquiries. Under title 15 USC 1681 ( i ) I would like these investigated for accuracy and authenticity.
Product: Credit reporting or other personal consumer reports

I am writing to express my extreme dissatisfaction and concern regarding the unresolved status of my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/XXXX and followed up on XX/XX/XXXX. This is my final attempt to resolve this matter amicably. I demand an immediate resolution in accordance with my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections XXXX ( 15 U.S.C. 1681i ), XXXX ( 15 U.S.C. 1681g ), and XXXX ( 15 U.S.C. 1681b ). 
Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Section XXXX ( 15 U.S.C . 1681i ) requires an immediate investigation of disputed information. It has been more than XXXX days since my initial dispute, and I have yet to receive an adequate resolution, which is unacceptable. 
Section XXXX ( 15 U.S.C. 1681g ) entitles me to access all information in my file, including the results of your investigation. To date, I have not received the required information, which constitutes a violation of my rights. 
Section XXXX ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section, representing a serious infraction. 
XXXX XXXX Required I demand immediate action to resolve this dispute. Specifically, I request the following : XXXX. XXXX and XXXX XXXX : XXXX a complete and urgent reinvestigation of the unauthorized inquiries. 
XXXX. XXXX Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report without delay. 
XXXX. Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes immediately. 
XXXX. Detailed and Documented Notification : Inform me in detail of the steps taken and the results of your investigation within XXXX days of receipt of this letter. Include documentation supporting your actions.