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

Navy Federal Credit Union. After calling Navy Federal Credit Union on an issue related to access to my wife 's access to a shared account, she was logged in at the same time to verify the changes fixed the problem. When she selected " sign out '' from the bank 's secure website, the got an error. When she opened a new browser window, she found that despite telling their system to " sign out, '' she was in fact NOT signed out. So in short, the customer told Navy Federal Credit Union 's system to sign her out, it did not, and it did not tell her that. So if she walked away, the next user could open a window and have access to the account. 

When I mentioned this to the Navy Federal Credit Union IT supervisor to whom I was speaking, they said this was a KNOWN error. I commented that this was a pretty big deal and why haven't they communicated this issue to users so they can protect their accounts accordingly? He said they do not communicate " little '' issues to users.
Product: Student loan

Private " XXXX '' loans offered by VSAC requiring filling out a paper deferment eligibility form every 3 months which requires a phone call to VSAC to request and several weeks to wait for arrival. However, as I 've repeatedly notified VSAC, I am full-time student as the student national clearinghouse reports until XXXX 2016 with {$0.00} in annual income. Regardless, VSAC requires this form be completed every 3 months for this loan only, while other loans do not require this. This puts an undue burden on the borrower, and requires that I continually call into VSAC every 3 months to go through the same process repeatedly, increasing the likelihood of missed and/or late payments on my part.
Product: Vehicle loan or lease

Complaint Against- Ally Financial ( Auto ) XXXX. XXXX XXXX XXXX, MN. XXXX XXXX Account # XXXX Complaint- Excessive charges not explained I co-Signed for a car loan for my son a little more than two years ago. My son got behind on the payments and the car got reposed. This happened on XX/XX/2018. I immediately paid the amount due of {$1500.00} plus a XXXX XXXX fee that night. The breakdown was as follows : Past due payments- ( XXXX and 3 of XXXX ) = {$1000.00} Late charges = {$77.00} Expenses ( retaking and holding the vehicle= {$400.00} XXXX XXXX fee- {$9.00} We had made plans to pick up the car the next day at XXXX XXXX XXXX  in XXXX Texas. No one informed us that they are closed for auctions on Thursday afternoon. We had to wait until the very next day, which we did in the pouring rain. When I got there, I asked what their fees where and I had my credit card in my hand. They said there were not any fees ; they were taken care of by the lender. I wanted a clean slate, since I was taking over the payments. 
The next payment was due on the XXXX which I could not make because the paper work was still in the recovery peoples hands. I had to wait until the paperwork was transferred before I could make another payment. At that time it would be late. When I finally got to do so on XX/XX/2018 ; they told me there was a balance still due of another {$220.00}. I asked for a breakdown of the charges, I was told that a supervisor will need to get that for me. I was given a case # XXXX and her ID # XXXX. She told me I would get a call back in 24-48 hours. I made the payment online and sent a message via the site that I need a call back with the information on the additional charges. I never got any call back. I tried a few weeks later to get someone to send me the charges in writing. I was transferred from the customer service people to the recovery department. Besides from being rude they told me that the charges where for transport fees since they had to move the vehicle. I told them I picked it up as soon as possible and the vehicle was never moved from where they originally towed it to. I asked them to put these fees in the back of the note until they can explain what they were for in writing. They said they were but they show up as past due on the site. Everything they told me was a lie. Apparently its not illegal to lie to people just inmoral. 
I believe we are entitled to an explanation of excessive fees before we are liable and forced to pay them. I do not believe they are NOT an honest company. I highly recommend anyone NOT to do business with these substandard lenders. I wanted nothing more than to start off with a clean slate. They make sure that this will not happened! The American public needs to do a class action lawsuit against these types of rip off companies taking advantage of people! 

Please help us- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX
Product: Money transfer, virtual currency, or money service

Hello She was induced to purchase ETH on coinbase and then transfer the coins to a wallet. She met this person who induced her on XXXX. This person told her to download the XXXX application and transfer her coins to that wallet. She made several transfers in XX/XX/XXXX totaling XXXX USD at the time of transfer. In XXXX ETH had an increase of value of approximately XXXX XXXX. She downloaded the application on her phone. However, when she tried to withdraw her coins, she was not permitted. The wallet application has now blocked her from accessing her account. 
How it started Date fraud began : XX/XX/XXXX Payment Used : Cryptocurrency ( ex. Bitcoin ) Amount I was asked for : Amount I Paid : {$180000.00} How I was contacted : Social Media ( ex. XXXX, XXXX )
Product: Payday loan, title loan, or personal loan

On Thursday XX/XX/XXXX chime bank made a decision to deny my disputes for multiple charges from XXXX XXXX for {$4.00}, {$4.00}, {$4.00}, {$9.00}, and {$19.00} on XX/XX/XXXX. also charges from 2 XXXX for {$100.00} and {$39.00} also on XX/XX/XXXX. I did not authorize or give anyone permission to use my card. None of these purchases are mine and I have no knowledge of their origin. I have never even heard of XXXX.
Product: Credit card or prepaid card

An associate  XXXX   XXXX  at USAA bank sent to my   XXXX   XXXX   credit card account an after  XXXX  stating that my payment to my credit card were fraud. Which was not true I made them payments and they were legit.   XXXX   XXXX   credit services   sent back to USAA my payments fr om  XX/XX/XXXX  thru  XX/XX/XXXX  the amount of {$1400.00}. USAA have received the funds since  XX/XX/XXXX . U SAA has not return my funds to my account as of yet. I have called and complained for over a year now. No return calls or any contact. A representative from CEO 's office gave me a number  XXXX   XXXX  at  XXXX   Extension   XXXX  that she do n't answer or return calls at all. They asked for documents stating they have my funds and I faxed them   XX/XX/XXXX .That was not accepted they wanted the credit card services to fax it to them and the y did so. This issue has gone over a year. They interrupted my credit card without my permission and without notifying me. Made   XXXX   XXXX   return my funds and kept the money, that is against the law.
Product: Credit reporting or other personal consumer reports

Months ago, I have sent a letter to the XXXX credit bureaus asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections XXXX ( a ) ( XXXX ) ( A ) and XXXX ( a ) ( XXXX ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it 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 XXXXXXXX
Product: Credit reporting or other personal consumer reports

Both companies are showing that the accounts on my XXXX consumer report are charged off as ( XXXX  ). However, I haven't received a 1099-C from either corporation. I'm respectfully requesting copies of the 1099 's from both entities or remove the derogatory remarks from my consumer report. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX The IRS also states that any accounts that a corporation may claim as a profit loss on their taxes shall not report derogatory marks to a consumers report. As the debt was written of and the creditor received credit via XXXX on their balance sheet.
Product: Credit reporting or other personal consumer reports

I am writing to urgently address the fraudulent accounts that have been reported on my credit file. I am a victim of identity theft, and these negative accounts are the result of criminal activities conducted without my knowledge or consent. It is essential that these inaccuracies be rectified immediately to prevent further harm to my credit standing. The fraudulent accounts in question were opened by someone close to me, who stole my personal information and used it to open accounts in my name. After becoming aware of these unauthorized activities, I contacted the respective companies, who have acknowledged the situation and agreed to remove the fraudulent accounts from their records. 
To support my claim, I have submitted the necessary Identity Theft Report with the Federal Trade Commission ( FTC ), and I have attached a copy of this report for your reference. The companies have confirmed the identity theft and are aware that the accounts were opened without my authorization. 

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

Hello, I have a hard inquiry on my credit report from Credit Plus on XX/XX/2018. On the credit report there is no contact information provided by the company and I have no record of reaching out to Credit Plus for an inquiry.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had a Second Mortgage with Ocwen Home Loans. In XXXX I fell behind, not making payments in XXXX, XXXX, XXXX, XXXX., XXXX.,  XXXX. & XXXX. In XX/XX/XXXX I received a call from XXXX XXXX saying that the account had gone into collections. They wanted to know if I could settle the account, of course I didn't have the means. We agreed to a 2 year automatic bank draft commitment. The first payment in XXXX was for {$840.00} ; XXXX {$280.00} ; XXXX {$280.00} starting in XXXX the payments would drop to the original monthly payment of {$150.00}. After the 2 years were up, I just continued allowing the payments to be withdrawn. In XX/XX/XXXX I contacted XXXX XXXX and stopped the monthly withdrawl because I felt Ocwen didnt report the past 4 years correctly. 

At the beginning of XXXX Ocwen reported to the credit bureau that the loan was charged off with a date of XX/XX/XXXX, so of course it appears I havent made any payments in over 4 years and the loan was recently charged off. I filed a dispute and they removed the charge off date as well as updated the balance on the loan but they added a closed date of XX/XX/XXXX. Hasnt this loan been closed since XX/XX/XXXX? 

My husbands credit report looks different than mine, his shows the payments for the last 4 years. These payments were made to XXXX XXXX who supposedly doesnt report to the credit bureau. If XXXX is a part of Ocwen how could they write off the loan? I made up the 6 month delinquent payments in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. I think there are a lot of unanswered questions.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

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


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

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

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Credit reporting or other personal consumer reports

I reported inaccurate accounts on my credit report and they have not been removed. 

Accounts are as followed : Portfolio Recovery XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act, the following XXXX Account has 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I MAILED IN LETTERS 2 MONTHS AGO TO THE BUREAUS AND GOT NO ACTION ON LATE PAYMENTS THAT ARE NOT TRUE AND ACCOUNTS THAT SAY CHARGE OFF THAT ARE NOT ACCURATE, AND ACCOUNTS THAT DONT THAT BELONG TO ME.
Product: Credit reporting, credit repair services, or other personal consumer reports

i recently received my credit report and it indicated that my account with Chrysler was deliquent, i have never been deliquent and it stated the date of XXXX XXXX and the balance XXXX. I have a car i am financing with but that is the incorrect amount and i have never been late with the company. I contacted Chrysler and they do not show that amount or me ever being late.
Product: Credit card

When I opened my secured credit card, the credit limit was determined by my hold of {$400.00}. I opened it in XXXX XXXX. Over a year later and they are claiming they need to hold an additional {$300.00} but my credit limit did not go up, it was without my permission, and they could not explain it any further as a hold but I already deposited {$400.00} when I initially opened the credit card. Customer service gave me attitude and so did the manager. This violates the terms and conditions. Why hold 2 different amounts??
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate this account in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The account needs to investigate and correct erroneous reporting in the file listed on my credit report : XXXX XXXX Balance : {$240.00}.
Product: Credit card or prepaid card

XXXX, making a payment on the due date. XXXX marks your account late if payment isn't received by XXXX XXXX. This is ABSURD, unreasonable during this pandemic when making payments are tough. XXXX XXXX should be the standard cut off. This is another way for Big Business to use an unfair practice to access late fees. Now my account is late and I'm charged a late fee. Your credit is damaged with this unfair practice. Families are struggling at this time. Shame on XXXX. This company should be forced to return all late fees, this is absurd!!!!
Product: Credit reporting

Back in XXXX 2014, I filed a dispute due to inaccurate information on my credit history, in which had a negative effect on my credit history. XXXX XXXX, 2014 in response to my dispute, the credit reporting company ( Equifax ) agreed that these home addresses on my credit history were indeed incorrect and will be removed but said the public record on my credit history is mines and will not be removed. Strange because of XXXX the addresses they agreed to remove was the address of the property ( XXXX XXXX ) the same property that filed the public record ( judgement ). So Equifax, agreed that I never lived at XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, Tx XXXX but saying I owe money to a property that Myself and Equifax both agreed the I never lived or had any business with XXXX XXXX therefore the Public Record ( Judgment ) on my credit history does not belong to me. And I would like to have this negative and incorrect information removed from my credit history and my credit score updated as soon as possible.
Product: Credit reporting, credit repair services, or other personal consumer reports

Verified via credit file with Equifax and XXXX XXXX XXXX is reporting this account as charged off on my credit file. Please investigate proper validation of this debt per FCRA regulations.
Product: Credit reporting or other personal consumer reports

I have been dealing with this issue for years, I think I am a victim of ID Theft. I have limited credit and someone is continuing to send my information into XXXX court. Again I have no reason to file BK because I do not have any debt on my credit report. I have contacted XXXX XXXX and they informed me that no record oXXXX XXXX XXXX XXXX on my report. I was informed to inquiry with XXXX and Equifax. Also I checked with XXXX XXXX and they informed that public record information comes from XXXX. I then contacted XXXX and was told that XXXX XXXX does the reporting of public records ie XXXXXXXX XXXX  not XXXX At this point no one is able to verify these are accurate and is unwilling to provide me with help. These are the XXXX Cases I want to be removed, it is not a reflection of my character. I want Equifax, XXXX XXXX and XXXX to remove these cases from my credit profile. 

XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX -XXXX XXXX case # XXXX date : XXXX -XXXX XXXX case # XXXX date : XXXX XXXX XXXX case # XXXX date : XXXX -XXXX XXXX case # XXXX date : XXXX XXXX  XXXX case # XXXX date : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a complaint about Santander consumer and received a letter back on XX/XX/2018 that they would delete the TradeLine from 4 bureaus. 
All bureaus has deleted the TradeLine except XXXX, in the letter it states give it 30 days to update on the credit report it is XX/XX/XXXX and the TradeLine is still on XXXX. I have sent XXXX the same document Santander sent the CFPB, but instead they opened up a dispute and Santander has came back and updated the TradeLine.

I have called Santander and XXXX   multiple times to get this situation resolved but neither will give me an explanation.

This TradeLine has to be deleted immediately it has hurt my ability to purchase a car.
Product: Debt collection

had fraud that was done towards me by a family member using my SSN # { son } who developed a drug problem after his twin died in a car wreck. He had a friend who work at a car dealership and got two cars out behind me and his mother 's back. Westlake FinanciaXXXX, and XXXX thrift and loan, XXXX I've sent certified letter with a Notary signature stating this is fraud along with a copy of my FTC report and Number and still haven't gotten a response at all but this is still killing my credit. please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. 
XXXX XXXX XXXX Acct : # 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 has violated my rights.

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

15 U.S.C. 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit card or prepaid card

Chase bank is refusing to extend the payment deferral on my credit card account during COVID. I explained to them NYS is not operating fully and is facing another shutdown they said there is no other option but to pay the balance unless I want to close my account. I can not lose this instrumental credit line since I am using it to purchase basic essentials to survive during COVID given I am being prevented from operating my business during the pandemic shutdown. This is absolutely absurd that Chase will not work with their customers DURING A NATIONAL CRISIS, despite having perfect repayment history and a great long standing relationship with them.
Product: Mortgage

HelloI recently applied for a refinance on my home mortgage. from Green Light XXXX XXXX and division of Nation Star Bank. After many weeks of working on forms and sending documents to them. I was told we were going to close on the loan. The mortgage do not pay on your existing loan. The mortgage did not answer my calls. Then Nation Star wanted there late fee.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act, Transunion has violated my rights. 
15 USC 1692 ( B ) ( 5 ) 15 USC 1681 ( A ) ( 4 ) FCRA 623 ( A ) ( 6 ) ( B ) 15 USC 1681 ( A ) ( 2 ) FCRA 623 ( A ) ( 2 ) 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 ; ( XXXX ) 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. ( b ) Notification. A consumer reporting agency shall promptly notify the furnisher of information identified by the consumer under subsection ( a ) - ( 1 ) that the information may be a result of identity theft ; ( 2 ) that an identity theft report has been filed ; ( 3 ) that a block has been requested under this section; and ( 4 ) of the effective dates of the block. 


XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX. XXXX AND XXXX FTC Report Number : XXXX Transunion keeps sending me letters stating I can't file my dispute because I'm working with a third party. I am not working with a third party i am filing the inaccurate accounts myself. 
According to the Fair Credit Reporting Act, Section 609 ( a ) ( XXXX ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.