23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had opened a claim for {$1300.00} for a charge done on my debit card. 

All information was provided and on the XXXX business day, which is the deadline for XXXX XXXX, Navy Federal Credit Union denied my claim stating no additional information was provided. This is clearly false because I had uploaded the documents at around XXXX on XX/XX/year>. 

Today, on XX/XX/year> I called in and spoke with several representatives. They informed me that Navy Federal Credit Union does NOT adhere to Regulation E standards. 

When I spoke to " XXXX '' - the supervisor - he informed me that " You do not pay my salary '' XXXX though we as a collective of credit union members DO pay their salary - and also stated that Regulation E will not be followed in my case because I am a member of news media.
Product: Credit reporting or other personal consumer reports

This letters complaint to fixed and delete inaccurate and misleading accounts 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Prior to XX/XX/XXXX, we accumulated over {$19000.00} on a credit card issued by XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, TX XXXX. The account was in good standing, and minimal payments were paid in a timely manner. <P/>We valiantly tried to pay this amount down, with good success. The balance in XX/XX/XXXX was {$15000.00}, and by XX/XX/XXXX the balance was {$12000.00}. We paid that in XX/XX/XXXX, and the balance in XX/XX/XXXX was just {$150.00}.
<P/>
In or about XX/XX/XXXX, XXXX changed all open credit cards from XXXX to XXXX. This was done at their discretion, not at our request. We were informed that all XXXX were to be destroyed, and we were issued a new XXXX card with the same balance, credit limit, and interest rate. XXXX notified all XXXX customers that all accounts would be switched to XXXX. <P/>We continue to use the XXXX at a reasonable pace, and the amount owed now is about {$1300.00}. XXXX does not dispute any of this information, and we are in complete agreement that our {$19000.00} XXXX was paid off, that our account was switched at XXXX 's direction to XXXX,  and that we now owe {$1300.00}, and we have paid our account properly. <P/>However, our credit report on XXXX shows two open and active XXXX charge accounts. One is the now-defunct XXXX ( account starts with XXXX ... ) which no longer exists, and it shows a balance of {$19000.00}. The other is the current XXXX account ( starting with XXXX ... ) which shows the current amount of {$1300.00}. <P/>I have spoken with supervisors and representatives at XXXX for a couple of weeks now, asking them to remove the {$19000.00}, which they agree we do not owe, and which they agree is from a XXXX  account which no longer exists, which was changed to a XXXX account. Each person told me that it is impossible for them to change the information. They said they have no means at their disposal to rectify an old mistake. They requested that I mail ( via old-fashioned US postal mail, not via an electronic method ) a " dispute form '' which, when it passed through their mail system and was assigned to someone, they would try to review the dispute. I refused, saying I would n't submit this complaint to get lost in their mail system, and most of all, because there 's no dispute. I also submitted a complaint in their forum for such issues, and " XXXX '' said she 'd review my problem. <P/>A woman named XXXX ( last name sounds like XXXX ) from the CEO 's advocacy office contacted me and told me my complaint was being " escalated ''. Her number is XXXX, XXXX XXXX. That was the last time I heard from herI have attempted to reach her on several days since, to no avail. No one from XXXX has contacted me. I spoke with XXXX representatives who indicated that this should be a fairly routine matter for XXXX to correct. <P/>Our credit score and ability to re-finance our house are being affected, because XXXX shows that we owe nearly {$20000.00}, which we definitely do not. We do n't know where to turn.
Product: Mortgage

I had to take a forbearance during covid. They put 3 of my loans in deferment. But my home I am living in they have refused to put the payments at the end of the mortgage. They have been rude they have hung up on me after waiting to talk to someone. They sent paperwork that has errors. I can not get anyone to send the terms I was offered with my other loans. I do not understand why they are doing this. Loancare is the servicer now and they do not know what good service is.
Product: Mortgage

I have a client that is being asked to cross qualify on a property that she is making an offer on. She is a single mother and feels very uncomfortable being asked to send her personal income documentation as well as her credit report to a person that she is unfamiliar with. 
She would like to be able to buy a home that she desires and not feel like she is being steered towards a service that she has not chosen to work with. Especially on that has so much of her personal financial information. Here is the email string requesting the documentation from the borrower. 
She is being asked to do this as a contingency of acceptance of her offer. The property is being listed by XXXX XXXX XXXX ; XXXXXXXXXXXX XXXX ; here is her email string back to me after I expressed concern. 
Hi XXXX, The buyer is able to do the cross qual, and it wo n't breach the privacy requirements. It was one of the seller counter items, which was not countered out by buyer side. All we need is green light to proceed before we can open escrow. Please let us know ASAP, we will need to advise the Seller. 


Thank you, XXXX XXXX ( AKA : XXXX XXXX XXXX ), REALTOR. 
Team Leader at Team Stites XXXX : XXXX Call or TEXT : XXXX Fax : XXXX Hello In order to complete the cross qualification for this property I would just need the following : XXXX Credit XXXX Anything you think I should need to know : aka using gift funds, started new job, etc Links to my reviews XXXX XXXX XXXX Star Reviews XXXX XXXX ( all XXXX Stars ) " I look forward to building lifetime relationships one closed loan at a time. '' Over {$950000.00} in closing costs given back to the customer in XX/XX/XXXX! 



XXXX XXXX Vice President of Mortgage Lending Named One of the Top XXXX Loan Officers in U.S. 
XX/XX/XXXX-XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX o : XXXX f : XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX ID : XXXX XXXX - XXXX BBB Rating - XXXX My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXXXXX
Product: Checking or savings account

I am filing a co complaint with the cfpb regarding Capital one 's failure to deposit my direct deposit from my employer and any other income deposits. Capital One has cited technical issues, which may violate the Electronic Funds Transfer Act ( EFTA ) as it requires timely access to funds. This situation raises concerns about consumer protection laws, and I request your assistance in investing this matter to ensure my rights are upheld. 
Thank you
Product: Credit reporting or other personal consumer reports

As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the required document and a letter from an advocacy group assisting me due to XXXX XXXX XXXX XXXX which falls under XXXX according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). 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 am a victim of XXXX XXXX of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information from XXXX, XXXX and TransUnion. 

Please delete the following accounts : 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
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX XXXX  Please investigate and provide Proof with statements showing that these payments were late. If proof can & # XXXX ; t be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Mortgage

Nationstar Mortgage has given me a " loan modification '' that makes my mortgage payment higher than the original one. 
In XXXX XXXX I signed an agreement with Nationstar for the loan modification, accepting it even though the monthy payments would be about {$100.00} more than the original monthy obligation. They said I had no choice, " take it or lose the property. '' In XXXX XXXX, Nationstar informed me that they were adding an escrow payment to my loan that would raise the monthly payments by about {$700.00}, starting XXXX XXXX, XXXX. 
How can they think that this is " affordable ''.? They advised me two weeks after the " loan modification '' was signed about this increase. 
The market value of my unit per month in XXXX is only {$1500.00} a month. 
The new monthly mortgage payment is {$2000.00}, as of XXXX XXXX, XXXX. 
There are also HOA monthly fees and electricity to pay. It costs me now about {$2500.00} a month to live in this unit. This is not affordable. 
I also do n't understand my loan statements which are different each month with various fees. I can not make sense of these statements. 
Nationstar has also accepted an application from me on XXXX XXXX, XXXX for another loan modification and is also at the same time, telling me that I am not eligible for another loan modification until XX/XX/XXXX. 
I am confused now about why they offered me an application when I am ineligible.? 
Their letters they send me say that they have " modified my loan to make it affordable ''. This is not a true statement.
Product: Credit reporting or other personal consumer reports

I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : 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/XXXX
Product: Credit reporting or other personal consumer reports

On XXXX XXXX XXXX  I wrote to you requesting an investigation into items that I believed were fraud, 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof 
of alleged items. I request to be provided with specifically the original application, contract, note, or 
another instrument bearing my signature.
In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT 
COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, 
COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Debt collection

On XX/XX/19 at XXXX I was served with a court summons by THE CHERRINGTON FIRM, LLC for outstanding medical debt to XXXX XXXX. The amounts where listed as follows : {$240.00} for valuable goods and/or services {$72.00} for pre-judgment interest and collection costs {$350.00} for attorney fees I called and spoke with " Candy '' who assisted me in settling the debt. I agreed to an initial payment of {$320.00} which was processed and cleared. Along with this a second payment of {$340.00} for XX/XX/19. During this conversation I was told that they would reduce the price of legal fees by {$75.00} as long as they received payment in full with 10 days of being served the notice. Based on the total payments made, {$6.00} service fees withstanding, this agreement was not upheld. 

On XX/XX/19 I received a phone call from THE CHERRINGTON FIRM, LLC asking to process the payment. They made no mention of the automatic payment failing but I later found this to be the case. When I spoke with them I authorized a payment of {$340.00} which should of settled my account. Later on XX/XX/19 a second payment of {$340.00} was charged to my account. I called immediately upon noticing the additional charge, but there office had closed for the evening and subsequent weekend. 

I Spoke with the office on the morning of XX/XX/19 explaining what happened and that the erroneous charge had caused my rent payment for the month to fail. They said the money would be refunded immediately. 

I drove down to the office of THE CHERRINGTON FIRM, XXXX on XX/XX/19 to receive in writing the amount that was being refunded in order to avoid any issues with my property management company. When I was being told what happened they stated that is common practice in there office to rerun any denials on credit card transactions later that same day. Despite my account being paid in full the card was reran and charged for money that was not owed. 

The charge for {$340.00} was refunded in full on XX/XX/19 though the returned rent payment has already incurred a fee and any other outstanding fees caused by this incident are still forthcoming.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my several request to the three Credit Bureaus and it seems it does'nt makes me satisfied of what they conclude to my credit report. The particular items position that are recently filing on this credit document has a seriously unfavorable impact on my capacity to attain the highest credit score, I want the three credit bureaus to be sure to present facts that these are being reported efficiently as per the Fair Credit Reporting Act regulations. I have done many attempts to reach out to Credit Bureaus but they failed to give me any results or feedbacks about this concern. Please investigate and remove those items which are frauds from my personal credit file : XXXX XXXX XXXX  XXXX XXXX, NY 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 Owed : {$0.00} ; XXXX XXXX  XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Bankruptcy Reference # : XXXX.
Product: Credit card or prepaid card

The following is a list of the credit cards i had from Sychrony Bank. They were as follows : Care Credit Lowes Paypal Mastercard XXXX XXXX Walmart Amazon At the time that these accounts were opened there was an option given called CardSecurity. What this option provided was protection of the card in the event of loss of employment, hospitalization, or XXXX. In XX/XX/2017, I was hospitalized for 30 days and then another couple of weeks at a XXXX facility. After leaving the XXXX  facility i started making claims to invoke the CardSecurity from Sychrony Bank. Since the " event '' was covered I assumed that CardSecurity would keep up the payments and/or pay off the balance since I had fufilled the obligations for this service and the event was over 30 days. 
Card Security would request documentation to which I submitted the required documents. However, upon receipt they would tell me that the documentation I submitted was not sufficient and to submit other documents. After the third of fourth time of asking me to submit documentation, I realized that they had no intention of paying my monthly payements or paying off the balance of the cards even though the fees to keep that add on feature were paid. 

As of the date of this letter, they have done the following : They have claimed that some of the accounts never had that protection, that I called and cancelled the CreditSecurity ( Amazon and Lowes ) which I had never done. I was told that they are researching the call and will get back to me in 5 to 7 days. 
The benefit request numbers are for different accounts ( i.e. 12345 benefit number is for the wrong credit card ) Was told that while I have a benefit number xyz I never initiated the claim. 
Ultimately all of the above accounts through no fault of my own have been closed, and negative marks left on my credit report.
Product: Credit reporting or other personal consumer reports

These accounts and inquiries are involved in litigation and does not belong to me. I never established these accounts. These accounts are a result of fraud. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here in this affidavit report, and was told that I needed to complete this affidavit, along with submitting my personal identification to have the suspected fraudulent accounts investigated and removed immediately. 
XXXX XXXX XXXXXXXX Balance : {$240.00} XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XXXXXX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXXXXXX 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

Juno Bank, powered by XXXX, backed by XXXXXXXX XXXX XXXX XXXXXXXX has frozen all actions with the bank account from depositing or withdrawing cash. I want to withdraw all of my cash and it will not let me. They have said they have no idea when I will be able to withdraw my cash.
Product: Credit reporting or other personal consumer reports

Subject : Unauthorized Credit Reporting and Demand for Resolution Reference to Arizona Laws Dear CB/CAESARS, I am writing to address the blatant violation of my rights regarding the unauthorized reporting of information to my credit report. This action is in direct violation of the Fair Credit Reporting Act ( FCRA ) under Sections 1681b ( a ) ( 2 ), 1681c ( a ) ( 2 ), and 1681s-2 ( a ), the Arizona Revised Statutes under Sections 44-3301 and 44-3303, and identity fraud laws, specifically Arizona Revised Statutes Section 13-2003.

It has unequivocally come to my attention that CB/CAESARS has already engaged in unauthorized reporting to my credit report without obtaining my explicit consent. Federal law, as outlined in the FCRA, explicitly mandates that the consent of the consumer is a non-negotiable requirement for such reporting activities under Section 1681b ( a ) ( 2 ).

In addition to federal law, Arizona state law, specifically Section 44-3301 of the Arizona Revised Statutes, emphasizes the necessity of consumer consent for credit reporting. Furthermore, Section 44-3303 of the Arizona Revised Statutes establishes clear guidelines for the fair reporting of consumer credit information. Simultaneously, identity fraud laws, such as Arizona Revised Statutes Section 13-2003, underscore the severity of unauthorized access and misuse of personal information. 

I assert with unwavering certainty that I have not provided consent for CB/CAESARS to report any information to my credit report. This undeniable lack of explicit permission constitutes a blatant violation of my rights, resulting in potential damage to my creditworthiness and an unequivocal disregard for federal and state laws. 

I demand, with the utmost certainty, that CB/CAESARS immediately ceases any further reporting of information to my credit report without obtaining my explicit consent, as mandated by Section 1681b ( a ) ( 2 ) of the FCRA and Sections 44-3301 and 44-3303 of the Arizona Revised Statutes. Failure to comply within the stipulated 30-day timeframe will be viewed as willful noncompliance, subject to penalties under applicable laws, including identity fraud laws.

I emphasize that obtaining consent is not a discretionary choice but a legal obligation under these specific sections of the FCRA, Arizona state law, and identity fraud laws. This is not a negotiation ; it is a demand for compliance with both federal and state regulations, protecting consumers like myself from unauthorized and damaging credit reporting. 

I anticipate your immediate attention to this matter and expect that CB/CAESARS will promptly rectify these egregious violations, respecting my rights under federal and state laws. 

Done in good faith.