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

The Navy Federal Credit Union fraud department told a third party about my accounts transactions and balances on XX/XX/2023. The banker accessed my account through another member 's account and gave vulnerable information regarding my account. The banker or from my understanding, the supervisor, told this third party member who isn't authorized on my account my recent transactions with my account and my savings limit which was connected to my credit card. The said person reached out to me and told me all these details on the phone conversation between the banker and them. When I spoke to someone at Navy Federal Credit Union about this matter, they couldn't find a recording under my account, until I told them to search when my account was accessed and by who, this is when they put me on hold and told me this was a legal issue and they aren't allowed to speak to me any further regarding the incident. Then the supervisor that I spoke to, tried to pretend that nothing was said on the call between their banker and third-party individual but when I asked him did he listen to the whole conversation? He said, " No, it was a long call and skipped throughout the call. '' That alerted me that this was privacy and consumer negligence on the Navy Federal Union 's behalf. The banker decided on their own will to release personal information regarding my account to someone that isn't listed on my account to receive any of those details. I want to see what are penalties for this matter with them. Thank you!
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Inaccurate Late Payment Entry on Credit Report Dear CFPB, I am writing to file a formal complaint against [ Credit Reporting Agency Name ] regarding an inaccurate late payment entry on my credit report that has not been resolved despite my attempts to rectify the issue. 
Account Information : Creditor 's Name : [ XXXX  XXXX ] Account Number : [ XXXX ] Date of Late Payment : [ XX/XX/XXXX ] Nature of Complaint : On [ XX/XX/XXXX ], I submitted a dispute to [ TRANSUNION ] disputing a late payment reported by [ XXXX  XXXX ]. I referenced the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) and the Truth in Lending Act ( TILA ) ( 15 U.S. Code 1637 ( b ) ) in my dispute, explaining that the reported late payment was inaccurate for the following reasons : 1. [ You may have made your payment on time or there may have been a clerical error. ] 2. [ Payment confirmations. ] Despite providing this information and adhering to the dispute process within the Fair Credit Reporting Act, TRANSUNION has failed to resolve this matter satisfactorily or remove the inaccurate late payment from my credit report.

As a consumer, I have rights under the FCRA and TILA, including the right to accurate credit reporting. The continued presence of this inaccurate information is negatively impacting my credit score and financial well-being. 
Requested Resolution : I kindly request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action to ensure that credit reporting agencies adhere to the Fair Credit Reporting Act and the Truth in Lending Act. 
Thank you for your attention to this important matter. I look forward to your prompt response regarding the investigation of my complaint. 
Sincerely,
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely corrected : 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

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. 

XXXX XXXX XXXX XXXX  Account # XXXX has violated my rights XXXX XXXX  account # XXXX has violated my rights XXXX XXXX  XXXX Account XXXX. has violated my rights XXXX XXXX XXXX XXXX account # XXXX Original creditor : 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.

15 U.S.C 1681 c. ( 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 conviction 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 related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Mortgage

My name is XXXX XXXX on XXXX I lost my home to a house fire. I have an FHA mortgage with Flagstar Bank in the amount of {$78000.00}. My home was declared a total loss and my insurance company XXXX XXXX has paid the available amount of the insurance policy {$190000.00}. As required by law, " I have been told '' the checks have made to me and the mortgage holder Flagstar Bank. I have signed the checks and forwarded them to Flagstar Bank. Construction began in XX/XX/2018 and has been completed as of XX/XX/2018. Flagstar Bank was notified and a request for the final inspection was made at that time. To date I my property has not received a final inspection. Flagstar refuses to release any of my money. Flagstar is holding Approximately {$60000.00} of my money. I owe contractors and suppliers and stand in danger of having leans placed on my property because of my inability to pay my bills. Flagstar Bank collects my full mortgage payments even though they have never made {$6000.00} of that mortgage available. They are withholding payment for the general contractor n excess of {$31000.00}. Flagstar is withholding my recoverable depreciation in excess of {$18000.00}. From the beginning to end they, Flagstar Bank has used delay and bait and switch tactics to with hold of refuse payment. The latest example of this behavior is switching property claims processing companies the day after I requested a final inspection. This isn't unexpected. Sadly this fits the pattern I have experienced through out the entire process of dealing with Flagstar. They constantly claim they are not in receipt of documents they have previously claimed were in their procession. Flagstar computer malfunctions and makes it almost impossible to resubmit the documents they claim they don't have. Wait times on the phone exceed one hour and have been as long as one hour and forty five minutes. Employees have picked up the line that I was put on hold and asked me, " are you still there '', then they hung up on me. 
I am seeking your assistance in receiving being all $ funds being held by Flagstar Bank in the matter Property Loss Claim XXXX XXXX XXXX , for XXXX XXXX for the property located at XXXX XXXX XXXX XXXX. XXXX XXXX Arkansas XXXX. I can be contacted at XXXX XXXX XXXX. My mailing address is XXXX XXXX XXXX XXXX XXXX Arkansas XXXX. Please keep in mind that this is an urgent matter in that I owe people money that have worked very hard to complete work on my house. Please help me to collect money owed to me from Flagstar Bank.
Product: Debt collection

Monarch has sent me multiple letters and phone calls asking me to pay a debt that I don't owe them in the amount of {$1200.00}.
Product: Debt collection

Nationwide Recovery Services has attempted to collect a debt I do n't owe them. I never establish a contract with this company and they reported negative items onto my credit reports for XXXX accounts # XXXX # XXXX # XXXX which is in violation of the FCRA.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent several letters to the three reporting agencies and to XXXX about this account. I have asked for original paperwork to support the loan. All I have received is a promissory note. I asked for all paperwork with my ID attached. Never received what I asked for. As I periodically checked my credit report, I noticed the account was closed and transferred. I filed my taxes and found out the day that I was to receive my refund that it went to the Department of Education. How can they collect when they closed out the accounts and transferred to what I found out is XXXX XXXX XXXX? I called XXXX on XX/XX/XXXX and they told me they closed out the loan and transferred to the collection agency. Again, how can they collect on a debt when they no longer own? The lady I spoke with on XX/XX/XXXX told me that a letter was sent to me dated XX/XX/XXXX stating that I had 65 days to take action. I told her that I never received it. She stated she could send me another letter. The lady also stated that she will contact my employer to garnish my wages. I spoke with an attorney and that is not legal in Pennsylvania or Texas. What good will that do? They already took my money and as far as I am concern, the letter comes after my tax refund was taken. The problem is collecting on a debt that they no longer own. If I had received the letter, I would have taken action. I never mess with the IRS or let anyone take my tax refund. And if XXXX owns this loan now, what happened to them contacting me, why does it not show on my credit report? XXXX should not be able to collect on debts they stated that they no longer own. On my credit report, these items show as closed/transferred. They should not be an exception to the rule when it comes to collecting a debt. They should be held to the same standards as all creditors.
Product: Student loan

I was working for the State of Maryland beginning XX/XX/XXXX, a qualified employer for the PSLF program. I sent in my certification forms for the program and I had been in touch regularly with Navient, who my loan servicer for my Federal Student loans. I completed my annual forms since the beginning to maintain my payments I received something in the mail that my account was transferred to XXXX  XXXX as a result of receiving a PSLF employer certification form. I was confused as I have been completing the forms and my recertifications. I sent a copy in XX/XX/XXXX of my forms dated from XX/XX/XXXX to Fed loan who provided me with my eligibility statement showing I had only made 13 qualifying payments. They advised me that the previous servicer was who reported the qualifying payments. I contacted Navient and launched a complaint for a new review of my qualifying payments because I had been in regular contact with them and was unaware of any possible problems. I received a response letter dated XX/XX/XXXX that my account was transferred to XXXX  XXXX  on XX/XX/XXXX as a result of receiving a PSLF certification form ( as if this was the first time, but I digress ). It went to also say that my repayment plan had a series of postponement that did not qualify under the program. I am finally advised after all these years that my Payments were not qualifying payments from XX/XX/XXXX to XX/XX/XXXX because I was on deferment. I went back in my records and the earliest document I had saved was dated XX/XX/XXXX reminding me that my current 12 month IBR plan period will be expiring soon and to reapply before XX/XX/XXXX. So I know I had the proper IBR repayment plan in XXXX with Navient and PSLF forms were sent in from my employer. Why in XXXX was my loan transferred to XXXX  XXXX  when they say they received my employment certification form. I was XXXX so I asked the ombudsman if they could pull any recordings of my conversations with Navient because I had lost upwards of 18 payments obviously to a misunderstanding of some sort and how can we confirm that I was given the wrong information. It has recently come to light that there have been deceptive practices with student loan servicers and I would like a independent review of my particular situation because I feel that the payments should have been credited.
Product: Credit card

I HAVE  XXXX  CAPITALONE CREDIT CARDS AND ARE REPORTING ON ALL CREDIT BUREAUS, EXCEPT  XXXX , PLEASE NOTIFY  XXXX  REP AND LETTER OF EXPLAINATION, PLEASE FORWARD ME WHY THEY ARE CHARGING YOU CREDIT FURNISHER FEES.AND SUPPRESSING MY CREDIT REPORTS. SEE ATTACHED ACCOUNT  XXXX  ACCT  XXXX
Product: Checking or savings account

Chase Bank keeps not answering w simple questions XXXXWhat was the balance in my bank account when it was closed XXXXWhat was the exact amount of the charge off. 

There not answering these questions because they know if they did provide me with those amounts it will reflect XXXX $ refund that XXXX did refund XXXX $ refund that XXXX did refund I call on a recorded line I clearly tell the customer service these refunds were fraud and that XXXX can't recover any money once it's sent to bank.XXXX is sending valid proof with transactions numbers I tell customer service this they say they can't use that information.She also looks at a second screen as she stated and seen the the refunds were applied to a negative balance I told her I need to report them to fraud department so they could investigate she said no there's nothing I can do it automatic the computer decides to return the money or apply it to account.Chase keeps denying it saying over and over nothing was applied to account then why aren't they providing the answers to the XXXX questions above they keep referring to another case that was resolved has nothing to do with these Transactions the burden of proof that there's was no refunds is yet to be determined send me the answers to the XXXX questions because I can dispute any inaccurate information sent to a charge off why aren't you guys giving me the only answer I need is the answer to the w questions if you don't provide them I will keep opening these cfpb complaints.I have the right to know the answer I been asking over and over.You guys will not provide it because it will prove what I was saying about you guys allowing customers to put in claims take from businesses and keep merchandise XXXX is out of this they refunded it's up to you guys to Investigate this as I said back when the XXXX dollars was refunded I tried back then I was told nothing can post to the account it will be returned yet another XXXX is missing and applied to a recovery account with transactions chase told me I couldn't report as fraud XXXX closed the case and refunded money to chase so there out of it I will keep putting in complaints until that money is found and returned to XXXX so I can do as I promised and return it to the business stop responding with the XXXX that issues has been resolved this has nothing to do with that the XXXX questions is will prove everything answer them. If not I will keep filing with cfpb until I get answers read the attached document investigate I don't care if it takes months I want answers that money went to your bank and XXXX provide hard evidence that u guys recieved it stop being lazy and do a proper Investigation and answer only the XXXX questions once u answer that calculate the closer balance and charge off balance then give me the answer and return that money back to the business
Product: Money transfer, virtual currency, or money service

I transferred funds from a linked external bank account to my USAA FSB checking for a family emergency. The originating account had been open and linked to USAA 's online banking for more than 9 years and I have made transfers in the past. USAA held my funds for 5 business days. I called USAA every day and I provided the code from the Federal Reserve showing that the money was debited from the other account, but USAA would not release the funds. They said that an overdraft with my debit card for under {$12.00} put my account 'at risk ' code which gives them the right to hold the ACH credit as if it were a check.
Product: Money transfer, virtual currency, or money service

Commencing on XX/XX/XXXX, I fell victim to a multi-layered scam run by a XXXX XXXX called " XXXX XXXX XXXX ''. I was defrauded of a total amount of {$93000.00}, which was sent from my JPMorgan Chase Bank account to XXXX XXXX  XXXX in the United Kingdom. The two transactions were executed on XX/XX/XXXX and XX/XX/XXXX. 
On XX/XX/XXXX, JPMorgan Chase wrote in a letter : Voluntarily sending a wire transfer is not considered a fraudulent transaction, and we can only file a wire transfer claim on an account if you are a signer or owner of the account.
Product: Mortgage

On XX/XX/2020, I started a mortgage refinance application with Better.com after finding a rate that they advertised on XXXX ( 1.75 % /15yfixed/0.499pts ). XXXX  allows you to enter some demographic information to filter available loan rates from various lenders, which I did. My loan to value ratio is <30 %, my debt to income is <15 %, and my credit score is XXXX. Better.com is listed as a featured lender ( advertiser ) and shows excellent rates for my personal information. Once I found rates I liked, I continued to the application process on Better.com through their portal. However, once the application had started, Better.com limited available loan terms to substantially higher rates and points. 

I directly emailed the agent at Better.com to complain, and they changed their portal rates to be closer to the advertised rates on XXXX. However the points ( 1.247pts ) on the rates were still substantially higher than what was advertised. The agent assured me that these were not final and that I should continue the application tasks. One of these was to order a {$550.00} appraisal of the property, which I did. 

XX/XX/XXXX, in an email, I again asked about the rates not matching the advertised rates. The Better.com agent ignored my question and asserted that they are " fully transparent '' and I was getting the best rate. With every email, I sent them the rates they are advertising on XXXX which are always lower. 

XX/XX/XXXX, the Better.com agent is pressuring me to finish the application and get it through underwriting and funding. I again email and ask why the rate is not what is still being advertised lower. In my email, I point out that Regulation Z 1026.24 explicitly states that advertised rates must be actually available ( including buydown points ). The Better.com agent again ignored my request for the lower available rate. 

XX/XX/XXXX, I sent the Better.com agent an email saying that I don't want to move forward unless I can get confirmation on the rate I had been asking for. I get a canned response saying I have the option to withdraw the application.
Product: Debt collection

This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found an item on the report that was inaccurate. The account in question is listed below. Please send me copies of the documents that vow have in our files as of this date that you used to verify the accuracy of the accounts listed below. Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the account that you are reporting in my credit report. Please don't respond to my request by saying that this account have been verified. Send me copies of the documents that you have in your files that were used to verify it. If you do not have any documentation in your files to verify the accuracy of the disputed account, then please delete it immediately as required under Section 611 ( a ) ( 5 ) ( A ). By publishing this inaccurate and unverified item on my credit report and distributing it to 3rd parties you are damaging my reputation and credit worthiness Under the FCRA 15 U.S.C. 16811, all unverified accounts must be promptly deleted Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. Please provide me with a copy of an updated and corrected credit report showing this item removed. I demand the following account be properly verified or removed immediately.
Product: Mortgage

Hello, I'll like to submit a complaint against Newrez Mortgage company who have been servicing my loan since XX/XX/XXXX for not correcting my escrow account from XX/XX/XXXX when they disbursed a check to the wrong tax agency in the amount of {$260.00} and on XX/XX/XXXX when they disbursed a check from my escrow account in the wrong amount to a tax agency in the amount of {$330.00}. On XX/XX/XXXX I called the tax team ( XXXX ) alerting that the check submitted on XX/XX/XXXX to the tax agent was incorrect because I do not owe this tax agency along with the check disbursed on XX/XX/XXXX for {$330.00} in which was to the correct taxing agent but for the wrong amount. I submitted a copy of my tax statement via their online message app. They stated they would open up an investigation case and contact me. However, after not receiving a written or oral response I called again on XX/XX/XXXX, XX/XX/XXXX and on XX/XX/XXXX. I submitted complaints on their website and mailed letters on XX/XX/XXXX and XX/XX/XXXX. Each occasion they stated they see no open case relating to the issue and they would submit one. However, on XX/XX/XXXX I was able to speak to a tax manager and they stated they have spoken to the tax agents and I was mailed the refunds by them. I shared with them that this makes no sense. I had already contacted the tax agents inquiring on the issue and they stated if they would have received a check they would have mailed it back to the sender and not the homeowner. They are claiming I have the refunds and no corrections are needed. So, I requested a copy of their investigation findings that will show the date and check numbers relating to the refunds and no response have been given.
Product: Mortgage

filed bankrupsy XX/XX/2007, XXXX mortgage was Litton Loan at the time. Was purchased by by Ocwen. Ocwen purchased a debt in bankrupsy, this loan was not reaffirmed, and according to our loan officer it is an uncollectable debt. Yet they call multiple times a day, as early as XXXX. They have added lawyer fees, late payments, and are ruining my credit score.
Product: Credit reporting or other personal consumer reports

Equifax is alleging to have verified these inquiries but provided no evidence for me to inspect to prove that I initiated these inquiries. I demand Equifax provide me with the evidence used to validated and verify these inquiries. 

Inquiries XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax