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

Navy Federal has been my credit union for years! They have been charging me overdraft fees over and over taking a lot of money from me, I believe I am part of the new judgement and settlement with Navy Federal. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax 's poor security practices and mishandling of sensitive data resulted in a data breach that included all of my sensitive financial data, including my SSN, DOB, full name, address, etc. This was part of the hack that occurred over a month ago, which they failed to inform me of.
Product: Credit reporting or other personal consumer reports

paid/settled scciunt abd it was supposed to go removed
Product: Credit reporting or other personal consumer reports

1. On XX/XX/XXXX by XXXX, amount of {$8200.00} an account was unauthorized and opened up in my name without consent I am a victim of fraud and Identity theft. I do not own this account was placed on my credit report. 

2. XXXX XXXX Account : Amount of {$1100.00} By XXXX XXXX account was unauthorized and opened up in my name without consent I am a victim of fraud and Identity theft. I do not own this account was placed on my credit report. 

3. Inquiry XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX Unauthorized inquiry made
Product: Debt collection

Today XX/XX/2018 I was contacted by XXXX XXXX in regards to a debt that has been pending for a few months now. I communicated that I am having financial difficulties and am not able to make a payment at the moment but that I will as soon as I have some spare money. He got upset and accused me of lying and trying to put off the debt. He continue to say is this what you tell your landlord? What more information do you need? You do know I will report this on your credit, its going to be runined.
Product: Credit reporting

Trans Union is ignoring my requests to investigate and remove some accounts from my credit report that do not belong to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is illegally reporting late payments on my consumer report. i have tried over and over to get them to correct this with no luck.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello and thank you for your assistance. 
Last XXXX, a Collection Agency I have never dealt with in the past, " XXXX XXXX, '' somehow sourced an old debt of mine that was settled in 2012, and started pursuing me about it. They also added this [ time-barred and Settled ] debt to my Experian Report, which is causing me a great deal of anxiety since I am applying for student loans for my Son. 

I originally Settled via XXXX XXXX, which was working on behalf of XXXX to recover the debt back in 2012. I promptly supplied them with a copy of my original Settlement Letter from XXXX, confirming my Settlement as of XX/XX/2012. This letter did not convince them. I also Contacted XXXX  to ask what they can do to assist and they said they can do nothing. All they would be able to do is issue me a copy of the same settlement letter that I have. I contact Experian multiple times to explain and disputed multiple times with the Settlement letter and told them that this matter keeps bouncing around like a hot potato. 

I've kept my documentation and do not understand why ; despite hours of conversation, this debt is still on my credit report. I've also been harassed by other collectors, some I am sure are scams, about this debt over the last several years. Not only have I shared the Settlement letter, but I've contacted XXXX XXXX XXXX at XXXX, to confirm and they were able to pull up the account and certify for me that there is a {$0.00} balance due on that account and it is settled. I asked them for a letter I could share with XXXX XXXX and XXXX, but XXXX said they " can not print one because it is so old, but if Experian, XXXX XXXX, or XXXX  want to call them they can certify it for them verbally. '' Since the housing crisis, I've worked very hard to repair my credit -- and this is the worst possible time for this to happen. No one is willing to accept the proof I have or seek certification from the original creditor. I believe this is a breach of the Fair Credit Reporting Act. What recourse does a consumer have in a situation like this? It seems, none.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed the complaint against XXXX, XXXX XXXX and XXXX XXXX. However, the third company is Comenity Bank XXXX. As per the attached, they still have not corrected the issue and made it even worse. Please help!!!
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


I told XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting 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. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

'The Terms Duration ' is being reported as XXXX months on the XXXX XXXX account ; the correct Terms Duration is XXXX months as stated on the attached letter directly from XXXX XXXX 

According to 15 US Section1681 of the Fair Credit Reporting Act, Consumer reporting agencies must delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete, or unverifiable information must be removed or corrected, usually within 30 days. 

I have uploaded proof of the correct term duration and the inaccurate information being reported by each bureau.
Product: Mortgage

Loan was transferred to Rushmore in XX/XX/XXXX and the escrow account maintenance resulted in a payment shock without advance notice, causing potential under billing and balloon payment due at maturity. 

Facts : Account XXXX was transferred from XXXX to Rushmore in XX/XX/XXXX Upon transfer Rushmore did not acquire evidence of borrower 's homeowner insurance ( HI ) and factored HI payment in escrow calculation On XX/XX/XXXX, borrower provided evidence for homeowner insurance with no gap Starting in XX/XX/XXXX, Rushmore lowered the total monthly payment due by {$15.00} Harm : Rushmore -under calculated principal and interest monthly due amount upon transfer -improperly made the assumption that homeowner insurance was missing -when borrower provided evidence, Rushmore did not adjust monthly principal and interest payment due but kept them at the under calculated amount -the result is borrower had a payment shock without advance notice and keep being undercharged month over month -the loan would have taken longer to be paid off and if borrower do not overpay there will be a balloon payment due at maturity date
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 USC 1681. The following accounts are not accurate : XXXX XXXX {$3000.00} XX/XX/XXXX XXXX XXXX {$8600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$240.00} XX/XX/XXXX XXXX XXXX {$7200.00} XX/XX/XXXX 15 U.S.C, 1681section 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 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U. S. C, 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

What will it take for XXXX XXXX XXXX to XXXX  XXXX  as XXXX  in XXXX informed me that under my social security number you have XXXX of mine there? 

For investigation, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX PLEASE REVIEW BELOW, XXXX XXXX XXXX XXXX  / ID THEFT FAKE - XXXX XXXX XXXX XXXX XXXX XXXX Michigan department Treasury XXXX XXXX XXXX XXXX XXXX Michigan dept of Treasury XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - FAKE PLEASE LOOK INTO TO ADDRESS THE XXXX OF MINE XXXX SAYS YOU HAVE THERE UNDER MY SSN.
Product: Debt collection

I never received written notification or correspondence of any kind from Jefferson Capital regarding their efforts to collect a very old debt previously owed to XXXX. I received a credit monitoring alert last week, on or around XX/XX/XXXX that a collection account had been added to my credit report in the amount of {$880.00} from Jefferson Capital Systems from a XXXX account that was closed over 7 years ago. I immediately called them to see why they were illegally reporting negative information to the credit bureaus from an old debt that is well beyond the legal statute of limitations for collection and reporting. I believe that their phones are answered at a call center in a foreign country because the representative I was connected with barely spoke XXXX. I explained MULTIPLE times that I wanted validation and verification of their legal right to collect/report this debt, and explained that it is in violation of the FCRPA and the FDCPA to attempt to collect an aged out debt, as well as to negatively report to credit bureaus outside of the legally permitted timeframe. He refused to provide any information that I requested to validate the debt, and continued to try to pressure me into making some type of payment, and reiterated that failing to make payment would result in the continued negative reporting to all 3 credit bureaus. I said that wont be happening under any circumstances, and advised that I would explore whatever legal options may be available.
Product: Checking or savings account

My account is frozen by Wells Fargo. They will not allow me to remove my money and close the account. The custodian over my account died XX/XX/2017. My daughter has been appointed the new federal fiduciary for my VA compensation. They have refused to release the funds in the account to me or my daughter. I am a older person and need help in this situation. I have asked my daughter and son to help me and so far no one cooperated with them either. The freezing of this account has caused a financial hardship. I have had to borrow money when I should no have to because I have money in that account. But my creditors do not care about that they want their money, property or product. Please helpme. I and my children have tried everything in our power. My son even emailed a death notice from the XXXX XXXX. Because Wells Fargo is requirng that I submit a death certificate for the former federal fiduciary. Inspite of the fact he is not a family member and I did not have a personal relationship with him.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  XXXX Account # XXXX have violated my rights. 

15 U.S.C 1681 section 602 ( a ) ( 4 ) states I have the right to privacy.

15 U.S.C 1681 section 604 ( b ) ( 2 ) ( A ) states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am writing to dispute an error on my credit report caused by First Progress Credit Card Company. I have only one active credit card account with them, but when they issued a replacement card due to a lost or stolen card, they provided me with a new account number. Despite this, First Progress reported the new account on my credit file as if it were a separate account, which is not accurate and has led to confusion. As a result, my credit score dropped by XXXX points. 

Under the Fair Credit Reporting Act ( FCRA ), specifically Section 605, consumer reporting agencies are required to ensure that all information provided in a credit report is accurate, complete, and up-to-date. Additionally, the FCRA requires that the information furnished to credit reporting agencies by creditors and furnishers be correct and properly updated ( Section 1681s-2 ). In this case, the incorrect reporting of a new account violates these provisions by misrepresenting the status of my credit relationship with First Progress.

I respectfully request that the Consumer Financial Protection Bureau assist in resolving this issue by ensuring that the incorrect account reporting is corrected to reflect the accurate status of my account, in compliance with the FCRA.

Thank you for your attention to this matter. I look forward to a prompt resolution and am available to provide any additional information you may need.
Product: Mortgage

I had a mortgage with XXXX acct. # XXXX which was sold to Caliber acct # XXXX. In XX/XX/XXXX they force placed insurance on my account and for YEARS I sent that I had had proof of insurance and they kept misapplying my payments towards escrow shortage rather than my mortgage & charging late fees. Finally in XX/XX/XXXX I spoke to someone with some sense and they mailed a check to me for theforce placed insurance. SInce in the interim they had sold th loan to XXXX ( Now Caliber ), when they sold the loan they transferred the incorrect amount. Therefore when I would send my payments to Caliber they kept returning them to me stating the payment was not enough to cover the debt. 
XXXX sent the reimbursement check made out to XXXX AND THEY ( XXXX/Caliber ) STILL returned the check to me stating it was n't enough. 
I finally thought that this nightmare was over last year, but it has continued to be an ongoing nightmare and my account keeps accumulating late fees & my payments continue being returned with them stating it is not enough to cover the debt. I have had to hire an attorney who also gets the run around. I have contacted the attorney for Caliber and even he can not get an answer from Caliber. 
Caliber states that they can not waive the previous late fees and misapplied funds because that it what was sent to them by XXXX. 

What I need:1 ) XXXX to correct the misapplied payments, remove the late fees, update the credit bureau and report the correct balance to Caliber. 
2 ) Caliber to waive the late fees, update my credit bureau apply the escrow credit balance and accept my payments for all of the payments that I have sent & have returned to me. I have this amount in my account and just want this nightmare to be over.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX/XXXX   XXXX XXXX XXXX XXXX
Product: Checking or savings account

I made a deposit from a home sale totaling {$62000.00} on XX/XX/XXXX. I then received a letter stating fund availability will be delayed until XX/XX/XXXX. My account is currently frozen and under review. Hold on the account has been extended further even though the check has been cleared on the issuers side ( called to confirm ). Was told the check deposited may not be paid due to inconsistencies. I have proof the check is valid. Now stuck in Limbo and need help. Ive spoken to customer service reps, bank teller, multiple managers with no clear reasons to why my check is still on hold.
Product: Student loan

They flat out refused to work with me to lower my payment because my uncle who was living with my grandmother had a high disposable income due to not having many bills. I started at my job making {$10.00} a hour they expected me to make a monthly payment of over {$1000.00} a month. I could not keep up with the payments and fell behind. This caused a great deal of stress on my uncle who made the payments and has tracked how much money I owe him. This {$1000.00} dollar payment is on top of my federal loan payment and rent, car insurance and other bills. My grandmother was then XXXX. I was basically ostracized from my family due to falling behind on my student loans. I have been making the full payment on my loans and living on ramen noodles due to being fearful if I fall behind they will take my grandmothers housethaybshe left to my uncle. I just want to create a better future for myself and family with a manageable payment instead of beings stuck in a cycle of poverty. I have a good job and make good money but have nothing to show for it due to my high payments. I feel like I will never be able to start a family or live a normal life due to the ridiculously high payments I am forced to make.
Product: Credit card or prepaid card

I WAS CHARGED FOR SEVERAL CHARGES ON MY CHASE VISA ACCOUNT THAT I DID NOT AUTHORIZE AND I NEVER DID BUSINESS WITH ANY OF THESE COMPANIES.. I CONTACTED CHASE VISA AND REPORTED THESE CHARGES AS FRAUD WHEN I RECIEVED MY STATEMENTS AND REVIEWED THEM AND THEY NEVER DID ANYTHING FOR ME. IT IS NOW XX/XX/XXXX AND STILL NOTHING. I WILL LIST THE CHARGES THAT WERE ON MY ACCOUNT ; XX/XX/XXXX XXXX XXXX- XXXX XX/XX/XXXX XXXX XXXX-XXXX XX/XX/XXXX XXXX XXXX XXXX-XXXX  ALL THESE CHARGES ARE FRAUD AND I NEVER DID BUSINESS WITH THESE SAID COMPANIES, I HAVE NO IDEA WHO THEY ARE AND NEVER AUTHORIZED ANY OF THESE TRANSACTIONS. THIS IS SENIOR ABUSE AND THEY STOLE FROM ME. THEY TOOK MONEY OUT OF MY ACCOUNT WITHOUT MY CONSENT, AND WITHOUT ME GIVING THEM MY CREDIT CARD INFORMATION, SO HOW THEY GOT THAT INFORMATION I HAVE NO IDEA. I LIVE ON A FIXED INCOME AND CANT AFFORD TO HAVE MONEY TAKEN FROM ME. PLEASE HELP ME GET MY MONEY BACK. THANK YOU
Product: Bank account or service

A clerk of Bank of America named XXXX XXXX stole {$100.00} from my cash withdrawal today, Friday XXXX/XXXX/2015, at about XXXX CST. I closed my checking account number XXXX, with a cash withdrawal of {$780.00} but I only counted $ XXXX of XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX
Product: Vehicle loan or lease

Post bankruptcy, Honda Finance deceived me into waiting past their deadline for recission of the reaffirmation I filed with the bankruptcy court. In short, I called XX/XX/XXXX, was told to wait 60 days as that was their procedure, then they recinded the agreement with the court one week later. 

My account is current. However when I asked how to make payments going forward, the representative was evasive. I believe I have the correct information but given the nature of the conversation, I lack confidence. 

I am seeking written confirmation that if I continue to pay, they will not arbitrarily reposess my vehicle. In my call with them today, they refused to do so. I am sending the attached letter explaining the entire situation and requesting this in writing. Based upon today 's call, I am not confident that they will cooperate. 

Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. I have submitted police reports and all the paperwork verifying that Im a victim of identity theft. Equifax continues to report a fraudulent account on my credit file. The company is called XXXX. I dont even live anywhere near a XXXX. On top of that I was on XXXX military duty protecting and serving our country at the time overseas. I cant help that some scumbag may have stolen my identity. Equifax had a security breach and now they arent in compliance with the FCRA 605B. Block of information resulting from identity theft 15 U.S.C. 1681c-2 ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of -- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.