23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

When I opened this card account with Navy Federal Credit Union in XXXX, XXXX, I was offered a low interest rate for a year on balance transfers made with the opening of the account. All was well and good, until the promotional period ended. I thought it odd that the interest charges didn't fluctuate as the balance should have continued to go down. 

I recently inquired as to why the balance on this balance transfer has never gone down one penny since the end of the promo period ended. I was informed by the Credit Union that, now that the interest rate on both the balance transfer and purchases are the same, the balance transfer balance will not be paid off until ALL purchases, past and present, are paid in full, even though I am making more than the minimum payments. So now, I pay the same amount of interest on this balance transfer every month, no matter what. They only apply enough of a " payment '' to keep it static and not to pay down the balance. 

It has remained at the same amount since XXXX of XXXX, and they collect the interest fees on it, despite the fact that I am not allowed to pay down the balance. None of this was explained to me when I opened the account. It was only after I inquired as to why it was not going down did an agent explain that it would not until ALL purchases were paid off. I feel like this was a bait and switch by this credit Union. I have never been late on a payment either.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. This will be my XXXX  attempt in regarding this matter of the inaccurate reporting of my accounts, which is in violation of the provisions outlined in the Fair Credit Reporting Act ( FCRA ), specifically 15 USC 1681 S-2 ( F ) and 15 USC 1666B I reviewed my credit report and discovered that late payments were reported from. I would like XXXX  to bring to your attention the fact that these late payments occurred during the period covered by the CARES Act, which provided temporary relief for consumers facing financial difficulties due to the XXXX-XXXX  pandemic. Not only were these late payments covered, but I called EQUIFAX due to the hardship, made accommodations, and was assured the account would remain good standing during this time frame. I am hoping this is a billing error, however it is still in violation of 15 USC 1666B.

Under the CARES Act, I was entitled to certain protections, including forbearance options and relief from adverse credit reporting for accounts in good standing prior to the pandemic. I am requesting that these late payments are removed from these accounts and updated. These late payments are severely affecting my ability to obtain credit and are violating my consumer rights. 
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Product: Credit card

XX/XX/year> XXXX XXXX or Avant Credit Card requested a copy of my credit report without my knowledge or permission. This was obtained Fraudulently without my consent. I never requested a credit card from Avant Credit Card Company through XXXX, but they requested my Credit Reports & I have a Fraud Alert on all 3 of the Credit Bureaus stating that no company should request or receive my Credit Report without receiving my consent due to Fraudulent Activity on my Credit Report & companies opening Credit Cards & Bank Accounts that were opened fraudulently by someone without my consent & police reports have been filed, but its still continuing. I requested that they remove the HARD INQUIRY on my Credit Report & its still there. Its prevented me from receiving credit line inquiries, receiving other offers, & denied from being able to receive a Home Loan due to having too many Hard Inquiries from 3 companies that I never gave permission to retrieve my credit reports. The Hard Inquiry that I reported above is again as follow : XXXX/AVANT LLC Avant Credit Card ( Finance/Personal ) XX/XX/year> ( Date Credit Report Requested ) XXXX  ( Email Address ) XXXX XXXX XXXX XXXX ( Address ) XXXX XXXX XXXX, IL XXXX ( XXXX ) XXXX ( Avant Phone Number )
Product: Mortgage

I have a couple of issues with this creditor ; 1 ) On XXXX XXXX XXXX, I found that XXXX put a lien on my property in XXXX whichI did not realize ( see attached Credit Line Security Deed ). I do not remember every seeing this document or signing it, nor doI have a copy of it my files.2 ). In XXXX I filed bankruptcy which XXXX was included ( see attach creditors list ). After much research I found that XXXX is out of business and XXXX XXXX took over their accounts. According to XXXX XXXX, in XXXX the account was transferred to Green Tree Servings. XXXX I filed bankruptcy and Green Tree was included, even though the debt was in my XXXX bankruptcy.After talking with Green tree, because my property was under contact to be sold, they would not negotiate a payoff unless I went thought the short sale process which could take weeks and I am due to close on XXXX XXXX. The only option I was give was to pay in full in order to get the lien release. I was told that the bankruptcy released me from the obligation of paying the debt, but in order to have the lien released, I would have to pay the debtin full or go through the short sale process. I feel that I am being taken advantage because the house was under contract. This situation feels like extortion. How is it that I am not obligated to pay the debt but to get the lien off my property I would have to pay the debt?
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2018, amount {$120.00} for a collection that keeps appearing on my credit report with EQUIFAX that I do not owe such a debt. Thus after filing a police report of fraud and do not have any public record to verify that I owe a debt. It still appears on my file with the Consumer Statement of : "  This account is not mine and can not be verified because you have no legal court order or judgment stating that I am responsible for this account which is fraudulent in nature, Just because a collection agency states that it belongs to me does not make it valid without proof of verification under the fair debt collection act. '' This information had only appear once I close on Escrow XX/XX/2018. Did not have any negative information on my credit report when I purchased my home as a Veteran. After many attempts to try to contact EQUIFAX and state that the information in wrong and also provided a police report, they still insist that I do indeed owe this money to the Company Known as XXXX XXXX XXXX XXXX XXXX.
Product: Debt collection

Portfolio Recovery is a debt for XXXX XXXX that was included in bankruptcy.
Product: Credit card or prepaid card

American Express are refusing to process my dispute regarding billing with XXXX XXXX. I didn't receive service due to hospitalized.
Product: Credit card or prepaid card

I checked my credit report and there was a new credit card opened that I know nothing about. I did a dispute with XXXX XXXX  and they said they completed the investigation and that the card is good. Its not mine..I know nothing about it. I do not know the account number. I called the company of the card and they know nothing. but they do want my social security number to look up account..not giving that ... And I don't know what the account number is ... so I need some helpl
Product: Mortgage

Had mortgage with PenFed Credit Union which we refinanced with them ( same company ). They held the old mortgage and are now holding the refinanced mortgage. Closed on the refinance on XX/XX/2021. We were charged 19 days of prepaid interest for XX/XX/XXXX- XX/XX/XXXX and paid 19 days of interest on the closing statement ( XX/XX/XXXX - XX/XX/XXXX ). That is a total of 38 days of interest for a month with 31 days. When the escrow balance was refunded ( check received XX/XX/2021 ) PenFed refunded 2 days of interest paid on the old mortgage. They still owe us at least 5 days of interest. I called them on XX/XX/XXXX about this and have gotten no where after many hours of trying to have them deal with this. I have included the latest email from the person at PenFed who said he would get back to me on XX/XX/XXXX. He has never gotten back to me and the only time that he did was to respond to me asking what the status is. I have included that email with the back up I am attaching. Note : the same company held the original mortgage and now holds the refinanced mortgage.
Product: Debt collection

This company is reporting fraudulent inaccurate information on my credit report. I have requested that they provide the purchase agreement to show full ownership of such account and also other documents so I may review to see if this is actually an account that belongs to me
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. 

List of Unauthorized Inquiries : XX/XX/XXXX XXXX 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 card

Subject : Dispute Regarding Non-Refund of XXXX Ad Purchase through Apple Card ( XXXX ) Dear Consumer Financial Protection Bureau, I am writing to file a formal dispute regarding a purchase I made on XX/XX/year>, through TikTok for their ad services, which was charged to my Apple Card, a XXXX issued by Goldman Sachs Bank. The total purchase, including tax, amounted to {$32.00}. This ad service was not delivered as promised by the social media platform, and despite following all necessary steps to seek a refund, my requests have been denied both by XXXX and my credit card issuer. 

To provide further context, I waited nearly two weeks for XXXX to review and approve the ad. On XX/XX/year>, I received a message from XXXX stating that my ad was disapproved and that the " Promote '' balance would be automatically refunded. However, as of today, XX/XX/year>, I have not received the promised refund, and there is no clear way to contact XXXX for further inquiry about the refund. 

I first contacted Apple Card via the app on XX/XX/year>, to request a refund and explain my situation. However, Apple Card stated that I was not eligible for a refund. I then resubmitted my request for reconsideration on XX/XX/year>, reiterating that XXXX had failed to deliver the service as advertised and that their approval process far exceeded their stated 24- to 48-hour review timeframe. Despite this explanation, my request was never answered and still left as not eligible for a refund. 

I have substantial evidence, including screenshots that show : -SCREENSHOT 1 The initial purchase of the XXXX ad service on XX/XX/year>. 

-SCREENSHOT 2 Purchase transaction and receipt information from Apple Card ( XXXX ) -SCREENSHOT 3 - The refund requests made to Apple Card ( XXXX XXXX ) thru app second request not answered. 

-SCREENSHOT 4 -- The denial message from XXXX on XX/XX/year>, which clearly states that my XXXX balance would be refunded automatically, which has not occurred. 

-SCREENSHOT 5- Current Apple Card Bill Receipt reflecting current date of XX/XX/year> no refund has been issued from Apple Card company even after I submitted two disputes for a refund due to services not rendered from XXXX XXXX XXXX XXXX platform. 


Given these facts and the lack of protection I have received from my credit card issuer, I am formally requesting that Apple Card ( XXXX ) honor my refund request. I believe this is a valid consumer dispute, and I am entitled to a refund for a service that was not provided by the vendor, in accordance with both XXXX 's and XXXX policies. 

I respectfully request the CFPB 's assistance in resolving this matter and ensuring that my rights as a consumer are protected. Please let me know if you need any further documentation or information to support my claim. 

Thank you for your time and attention to this matter. I look forward to your prompt response. 

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

Dear Sir/Madam, I am writing to dispute and request an update to my personal information in your records. I recently obtained a copy of my credit report and discovered that some of the personal information listed is inaccurate or outdated. I kindly request that you investigate and make the necessary updates to ensure the accuracy and integrity of my credit profile. 

Please find below the specific details of the incorrect or outdated information : XXXX. Name : My current legal name is, XXXX XXXX XXXX XXXX but it is listed incorrectly on my credit report as XXXX XXXX. I request that my name be updated to reflect the correct information. 

XXXX. Address : My current residential address is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, but my credit report shows an outdated address as XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. I request that my current address be updated accordingly. 


I have enclosed copies of supporting documents to verify the accurate information provided above. The documents include : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address. 
A copy of my phone bill or any other official document that displays my correct phone number. 

Additionally, please provide me with a written confirmation once the updates have been made, and send me an updated copy of my credit report reflecting the changes. 

I appreciate your prompt attention to this matter. Should you require any further information or documentation, please do not hesitate to contact me at XXXX Thank you for your cooperation. 

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

List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, has violated my rights. 

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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: Debt collection

The debt that is showing a collection is XXXX XXXX, which I have never had an account with. No contractual agreement has ever been entered. In addition, it doesnt show on the credit report if there was a original creditor or not. In addition, the account is posted as XXXX balance collection.
Product: Debt collection

I was first contacted on XX/XX/ via email by FirstSource Advantage. They claimed I owed a debt to XXXX for {$71.00}. In this same email they included this, " Call or write to us by XXXX XXXX XXXX to dispute all or part of the debt. If you do not, we will assume that our information is correct. '' XX/XX/ I emailed their support with a Debt Validation Letter and on XXXX XXXX XXXX I mailed them the same Debt Validation Letter to the address provided by them. I stopped receiving emails from FirstSource Advantage for XXXX days and then I started receiving multiple emails a day from them and have not received a response to my debt validation letter.
Product: Mortgage

I submitted an application and all requested supporting documentation on XX/XX/XXXX. I received an email XX/XX/XXXX at XXXX XXXX stating my application was moving forward. At XXXX the same day I received a second email stating I only had a XXXX month payment history and to check back with Fifth Third Bank in XX/XX/XXXX to submit a new application. This is after they did an unauthorized hard credit inquiry. I contacted the loan officer and advised the nine months were with the present mortgage company who had acquired the loan from my previous mortgage company and to look at the second page of the document. The loan officer then stated she did not see me on the loan. I stated to her I had owned my home since XXXX which a title search will show and if I were not on the loan I would not have been able to provide a payment history which matches my checking account history with Fifth Third Bank. I asked if she needed any additional information was told no and heard nothing else from her. A week later my bank branch manager reached out to her and after a week and an escalated call responded to her by saying she ( the branch manager ) needed to call the loan department. The manager did so and was told the flexline of credit loan had been declined but they did not know why. A week after that yesterday XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating I was declined for not being a borrower on the existing first mortgage note. I believe based on statements made by the loan officer my loan was mishandled deliberately.
Product: Debt collection

i asked XXXX  an XXXX, XXXX  for written information an signatures an they replied with im not the person asking for this information an i was the person
Product: Credit reporting or other personal consumer reports

XXXX of this year 2023 I received a statement of some sort from XXXX XXXX services. My eyes popped out of my head when my son opened it and said mom XXXX says you owe them money {$4300.00} unpaid balance my jaw dropped. Last year I sued XXXX XXXX XXXX and won same type of circumstances. I owe nothing to XXXX I've never even stepped foot into a XXXX. I don't own Credit Cards I have XXXX to my name. I own a debit visa card that's it and that's all i want and need. I pay cash. I'm XXXX XXXX XXXX with serious medical issues and this is the last thing I need affecting my life. But trust me not the Lord Jesus Christ will have them pay for all the grief and sarcastic tone their employees give me over the phone. This is elder abuse to the 5th degree. XXXX is a fraudulent institution who's been sued by many elderly people for fake bills, and steeling from us hard working people that are retired. I will fight this into the courts like I did with XXXX  XXXX XXXX you might be a big company trying nto steel from the little people but your not ruining my credit and my good name. Take these letters and forward them to the correct people stop harassing me sending me mail calling I will definitely sue for XXXX times or XXXX times the amount. I call them on the phone I get yelled at because their asking me questions I can't answer because I don't do business with them, if i new the XXXX digit card i would give it to the representative. They basically laugh at me a form of intimidation. My question to XXXX is STOP fix my credit and I'm suoing you for elder abuse. Im contacting state attorney general office, gavins office im going to blow this up.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act the following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15U.S.C. 1681 Section 602 A states that I have the right to privacy 15U.S.C. 1681 Section 604 A Section 2 also states that a consumer reporting agency can NOT furnish an account without my written instructions.
Product: Debt collection

Please remove these accounts as they do not belong to me. XXXX the attached documentation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have used the access via XXXX to request my credit reports. Every year since XXXX, I tried doing so with Equifax, and I have never been able to obtain one online. Equifax always responded with " Online Delivery Unavailable ''. The other 2 Credit Bureaus ( XXXX XXXX XXXX ) are able to provide my online credit reports every year.
Product: Credit reporting, credit repair services, or other personal consumer reports

I applied for a job with XXXX as a driver, they requested a background check ( I of course accepted them asking to request one ). They requested a background check from Checkr IncXXXX and on the background it stated that I had TWO XXXX!!! The XXXX less than XXXX on XX/XX/2016 is CORRECT. However, the XXXX XXXX XXXX XXXX XX/XX/2016 is INCORRECT! I wasnt even pulled over for anything on this date let alone charged for another XXXX!! This will definitely effect if I get this up or not. PLEASE FIX THIS!
Product: Credit reporting or other personal consumer reports

I wrote to request that items that are unknown to me be removed. I just learned about this law today. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you have four business days to remove or prohibit any content or objects. This is something I already mentioned in my prior complaint, and I'm mentioning it here once more. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

On XX/XX/XXXX, my son received a call from a creditor asking for someone else. I answered the phone at around XXXX XXXX and it was XXXX XXXX calling for some woman. I informed them that this was not her number but that of my son. I told them to change the number to reflect that it was not her number anymore. Then I received a call from XXXX XXXX again at XXXX XXXX asking again for the same person. I told them that again to change the number for this is not the woman 's phone number and that I would be filing a complaint against them.
Product: Debt collection

The company has been blowing me up for a debt that i thought was closed out and charged off 3 years ago. They threatened me with a UCC filing to seize any assets i own, would stop me from being able to register and buy a car, stop me from getting new housing. I attempted to start to take action and start to pay it anyway even though my business the loan was for has been permanently closed for 3 years. The rep never called me to set up a payment option for it like she said and then contacts me again saying i missed the payment now its double what is needed for the next payment as well as the previous payment otherwise legal action will be taken. I also mentioned to them i have to wait for my commission check that i get every XXXX of month. Said that they could not wait and needs something now. Wont let me pay off in a year needs it done in way less or the filings will go through. I never received anything in the mail about this either. and supposedly this has been sold to 6 different collectors