23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am rewriting the complaint to NAVY FEDERAL CR UNION about the reported data on my credit file that is not certifiably compliant, proven valid, or documented as fully true and physically verified. My address is XXXX XXXX XXXX XXXX XXXX, GA XXXX, and my name is XXXX XXXX XXXX XXXX My birthdate is XXXX. The FTC report number related with this complaint is XXXXI have recognized likely duplicitous and unquestionably dubious protest announced requests on my credit record that have no allowable or approval made by my individual of choice. As a consumer, I am entitled to demand and/or compel you to remove them as soon as possible within my federal and state consumer and/or civil rights. I am making this consumer complaint and conducting a consumer check to ensure that the particular items you are reporting are in compliance with FACTA Title 1 Section. 151 that unambiguously obliges a described of the modus. This is a proper question of data and announcing.
Product: Mortgage

I have had the same mortgage company since i purchased my home in XX/XX/XXXX. The started off as XXXX XXXX then change to Green Tree and they are now XXXX. They overcharged me so many time as Green Tree and made my life miserable. I finally 2 years ago had to file bankruptcy just to keep my home. They were sued XXXX XXXX in XX/XX/XXXX. I have yet to receive any information about money i am sure i am owed by them this lawsuit being they have XXXX my whole life up and would like to know what i have to do to get information to claim part of this lawsuit. Please if you can give me the steps to take. Thank you for your time and help in this matter. <P/>Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent accounts on my credit report I have disputed those accounts with Equifax but they still havent removed them from my credit reports theyre not my account those I disputed due to identity theft
Product: Credit reporting, credit repair services, or other personal consumer reports

I checked again my credit report and found that some of the data were incorrect. The three credit bureaus are required by Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) to verify these items ( A ). It is not permitted to report these items as unverified information without giving any supporting documentation within the legally permitted time frame. My credit report lists the following issues as needing investigation and correction due to inaccurate reporting in my file. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit card or prepaid card

The Reason for my complaint is that I don't know what happened, One day I get a letter from Discover saying that my account is closed - Called several times to find out the reason they closed my account which only resulted in a letter saying they have done an internal review and decided to close my account. 

All I would like is an answer of why my account was closed, I was NEVER late nor have I defaulted on the account. If they have me linked with another account then I believe I should be aware of the situation. 

Opened the account in XX/XX/XXXX - until I was closed in XX/XX/XXXX credit line of {$13000.00} which I am still paying always on time Thank you
Product: Checking or savings account

I was forced to close a certificate of deposit early with citizens bank on  XXXX / XXXX / 17  because my water heater broke, my basement flooded and I needed the money to fix it. I knew I would be charged an interest penalty for breaking th e CD however, the asst manager,  XXXX ,  at the  XXXX  MA branch informed me of a {$50.00} transaction penalty that would be deducted from my closing balance. I asked for the fee to be waived because of my long history with  Citizens,  I am a  XXXX   XXXX  customer and the emergency situation. She declined saying she was not allowed to waive fees. Told me to call phonebank. I did and the supervisor,  XXXX  declined as well. This  CD was ope ned over 15 years ago, the  XXXX  fee as far as I can recall was not part of the account agreement at that time. I have never in my life have had to beg or file a complaint in order to get a bank to issue a fee rebate. It is now a matter of principle to me. This was an emergency situation, beyond my control and I needed every dime to pay for the repairs. The outright refusal and passing of the buck between the branch and phonebank is just plain unacceptable. I will be closing ALL my accounts, refinancing my car loan and moving my investments to another bank.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of the following accounts and inquiries from my credit report. These items are fraudulent and resulted from a data breach. I did not authorize these accounts or inquiries, and they should be removed under 15 U.S.C. 
1681c-2 ( a ) and FCRA 605 ( b ). 
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I have XXXX 5 year notes with BB & T that is due in XXXX XXXX. The notes are for property that I purchased where I run my business, a software development company. The loans are not only secured by the property but by my personal assets. 
Under the terms of the contracts, 1 ) I was to supply BB & T with my personal and financial returns every year within the first 90 days of the year and XXXX ) Maintain a corporate debt to income ratio of less than XXXX. XX/XX/XXXX, I was informed by the Asset Recovery Division of BB & T, that I was in default of my loan for the above XXXX provisions. This was even though I was never late on a payment! I explained that BB & T did receive my financials returns, not within the first 90 days of the year, as our CPA filed late that year ( we filed for an extension. ) But they did receive the financial returns XX/XX/XXXX. With regards to the debt to income ratio, we reduced this XX/XX/XXXX after a stellar year. The bank 's response was " If I can pre-pay off the note in XXXX XXXX, ( 6 months before it was due ), they could work with me. '' There is also a XXXX % fee for early pre-payment. I told them that 1 ) I was not going to pre-pay off the note early 2 ) I would refinance the note with another lending agency in XXXX XXXX. 
In XX/XX/XXXX, BB & T started adding additional fees to my note. They added the following fees : 1 ) {$1000.00} fee for XXXX appraisal fees -- why they would want to have the properties appraised considering my stance regarding refinance is unexplainable. There is a provision in the contract that states if an appraisal is necessary I would be responsible for that fee. Again, why would an appraisal fee be necessary if I clearly stated I would not rein finance with them? 
2 ) {$3500.00} ( approximately ) in attorney fees. One letter I received from their attorney stated that BB & T 's position is that they will not refinance their note in XXXX XXXX. I asked why I have to pay for their attorney fees and their response is that I am, in XX/XX/XXXX, still in default of the provisions of the contract. My position is 1 ) I am no longer in default as of XX/XX/XXXX, 2 ) the fees added were all assessed in XX/XX/XXXX. Since BB & T just added these fees to my current notes,, and since I disputed these fees, my loans now show as late. I have never been late for any payment. I maintain a XXXX that is 26 years old.
Product: Credit reporting, credit repair services, or other personal consumer reports

My personal information was used to open fraudulent accounts. I found out around XX/XX/2019, when trying to apply for school and being denied loans. I received a free copy of my credit report to find that I had been a victim of identity theft. I immediately contacted the companies listed and was required to file a FTC affidavit, a CFPB complaint and a police report from my local department. All of that information was retrieved and submitted to all companies of fraudulent accounts. I disputed these accounts with TransUnion, XXXX and XXXX, because the companies denied giving me information on these accounts, for the reasons of the information that I gave did not match what was recorded within their system. These accounts in dispute were removed because I supplied all required documents. The accounts have now been inserted back into my credit report 3 years later as a charge off. I am being held accountable for fraudulent accounts. I am resubmitting required documents as well as an updated FTC affidavit, and the original police report that was submitted during the time of removal.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I, XXXX XXXX XXXX, am verifying that I, XXXX XXXX XXXX, am mailing out this information. In doing so, this plus my XXXX and XXXX is enough proof of validation. I have noticed inaccuracies on my consumer report. It is extremely urgent that you remove any addresses that are not the one listed below. 

According to 15 USC 1681e Compliance and Procedures section ( b ) Accuracy of report : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I have already sent mail out and it has been over 30 DAYS before I received a response which now means the credit reporting agency is now in VIOLATION of my consumer financial rights! Second, the F.C.R.A states, Section 607. Compliance and Procedures [ 15 U.S.C 1681e ] ( b ) Accuracy of report, the CRA must provide me with a copy of my consumer report at 100 % accuracy at all times! These addresses and old personal information do not belong to me and are inaccurate therefore violating my consumer rights. Lastly, F.C.R.A says, Section 609. Disclosures to consumers [ 15 U.S.C. 1681g ] Every consumer reporting agency shall, upon request, and subject to 610 ( a ) ( 1 ) [ 1681h ], clearly and accurately disclose to the consumer. These errors must be fixed at once. Once done send me report of everything removed
Product: Checking or savings account

I'm writing to file a complaint against Navy federal credit union regarding multiple overdraft fees i have incurred. Despite having sufficient funds when transaction were authorized. I was charged fees do to lagged posting of charges and credits. This issue aligns with the recent CFPB finding against Navy federal for similar practices. Where transactions settled with insufficient balance despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Mortgage

Our mortgage payments were 4 months late as XXXX us were unemployed. We called Chase bank who holds the mortgage, and they told us that " if we pay {$10000.00} XX/XX/XXXX, we can then resume monthly payment ''. I made the representative repeat that statement at the end of the call. The call was on XXXX XXXX 2015, When we called back to pay ( well prior to XXXX XXXX ), Chase refused our payment and told us they were starting foreclosure proceedings. We reminded them of the fact that they confirmed multiple times on XXXX XXXX that if we paid {$10000.00} XX/XX/XXXX, that we could resume regular payments. The representative said we needed to call Escalations which we did. Escalations took several days to find the tape of the the call ( we provided the call date ), and Chase claimed that NO DATES we discussed on the call! This is is a complete fabrication. If you can not help us we will have to get an attorney to subpoena the tape as they are lying.
Product: Credit reporting, credit repair services, or other personal consumer reports

I would like to place a formal complaint against Experian for violating my FCRA rights and my privacy. They have placed a public record on my consumer report that should not be there : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX # XXXX. 
Experian said they verified it but I reached out to the courts who verified that they do not report bankruptcies to the credit bureaus. I have attached the letter that I received from the court. They are in violation of my rights pursuant 15 usc 1681b under permissible purpose. They never validated nor verified anything with anyone at the courts. Experian is violating multiple laws including : The reporting requirements do not comply with FCRA 611 ( 15 U.S.C 681I ) and the information must be deleted immediately. The civil liability law which I will sue under is clearly here : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. Failure to Comply or delete this public record from my report is a clear violation : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Code 1681n - Civil liability for willful noncompliance ( a ) In general, Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Under 15 US Code 1681a ( 4 ) as a consumer I have right to privacy and these inaccurate items must be deleted from my consumer report. Please help me get this violation removed from my credit report. It is unverifiable. Please see also the attached dispute which also points out multiple inaccuracies.
Product: Consumer Loan

Dear CFBP : At the end of last year I was on XXXX and I was unable to pay my Avant bill on time. After I came off XXXX, I made payment arrangements with the company to cure the past due balance. During this time, I was making double payments each month, 1 payment to cure the past due balance and another to pay the arrears starting in XXXX. During this time I noticed that they were reporting wrong. 

I have made numerous calls and I 'm pretty frustrated with how my accounts are being reported to the credit bureaus. 

As of today, I should only be {$100.00} past due on XXXX account. ( Which I just paid today ) When I look at my account is says that but when I pulled my credit report is says that the last reporting date is XXXX 2016 and that I 'm {$10.00} past due and 90 days late. 

How could this be? I need a full payment breakdown that include past due status. For some reason Avant 's credit reporting is n't matching with my online account.
Product: Debt collection

Midland Credit XXXX has consistently called me multiple times a week, including weekends and evenings. They persisted even when I was overseas in another country for approximately 2-3 days before discontinuing, then continuing a month following my return. I no longer allow phone calls to numbers in my phone to ring because of the nuisance calls from this abusive company. At the height of these calls, I was receiving them 6 days a week ( Sun - Fri ), around XXXX 2022. I can obtain these records from XXXX, my service provider, if required. They also use multiple phone numbers rather than one number with multiple lines, thereby making it impossible to avoid their harassment via blocking numbers.
Product: Student loan

This is the second time that Navient, my private student loan company has double charged me for my loans ( XXXX XXXX, 2017. ) My loan is a total of XXXX and to be charged double that is unacceptable. When I call it takes 20 minutes to get me to the correct department and today when I called they told me their wait time was too long and I would have to call back. I currently have a negative amount in my bank account with no idea if this will be put back in my account before I incur overdraft fees. I called last week to ensure my payments were going to be correct and the agent ( on a recorded call ) ensured me I would not be double charged as I noticed I had two bills in my email. She brushed me off through the whole conversation and I am now removing my debit card from their system. Navient has no regard for their " customers '' and NEVER goes to the extra mile to help those in need who have good account status like myself.
Product: Credit reporting or other personal consumer reports

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

I looked at my XXXX Credit Report on XX/XX/2024, and noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). 

And according to 15 USC 1681 they are suppose to do the ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15USC 1681s-2 they are supposed to 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

Received a call in XX/XX/XXXX about payment of a {$1500.00} debt apparently owed to XXXX. 
I told them I have never attended XXXX and to stop falsely pressurizing me to pay debts I don't owe. 

3-4 weeks later received a letter from RMS - Recovery Management Services Inc. from XXXX Illinois to my address in XXXX, Massachusetts saying I owe XXXX {$1500.00} which they apparently billed to me in XXXX  XXXX, XXXX of XXXX, XXXX in XX/XX/XXXX ( nearly 3 yrs ago!? ) I have never attended any course online or on the ground at XXXX so this is a totally false charge levied on me.
Product: Checking or savings account

I called into US Bank to open a new account on XX/XX/XXXX. The E consent form emailed to me stated that I had 30 days to sign the form. When I tried to transfer funds I needed yesterday the mobile app did not allow me to do so on XX/XX/XXXX. I called into the bank and was told that there was a hold on the account for e sign to be completed. As I stated before the us bank app was not allowing me to do that process on my mobile device so I haggled with customer service with the matter and just asked for the account to be closed and the funds to be returned to the original account which the bank and its supervisor refused to do. I am in complete confusion as to how a bank can not close an account or should I say blatantly refuses to close the account. 

I went as far as to go home to my desktop computer I followed the steps listed and now the us bank site is once again having continued issues and wont even allow me to e sign the document to have access to the account and the funds therein. I am attaching the screenshots showing the continued US BANK problems. This is freaking ridiculous I will be closing both accounts next month this is some complete XXXX  XXXX. They refuse to close the account and are restricting access to the account and refuse to transfer me to supervisors when I called into the bank and asked for a supervisor some rude chick on the phone tried to start an argument and then transferred me back to the customer relations and they refused to transfer me to a supervisor, XXXX refused to transfer me a supervisor claiming it was saturday and that no one was available and they had limited supervisors and claimed she was being honest with me. 

UNACCEPTABLE NASTY CUSTOMER SERVICE ON A CONTINUED BASIS. I WILL BE CLOSING ALL ACCOUNTS AND NEVER DOING BUSINESS WITH US BANK AGAIN. HOW THE HECK CAN YOU REFUSE TO CLOSE AN ACCOUNT, DENY ACCESS TO AN ACCOUNT, REFUSE TO ALLOW ME TO E SIGN THE ACCOUNT WHICH WAS SUPPOSED TO ALLEGEDLY RELEASE THE HOLD ON THE ACCOUNT AND THEN GET TWO REPS BACK TO BACK WITH NASTY ATTITUDES REFUSING TO TRANSFER ME TO A SUPERVISOR AND PUTTING BLAME ON ME FOR THEIR FREAKING NASTY SERVICE IN ALL ASPECTS. UNBELIEVABLE. I HOPE THEY GET CITED FOR THIS FRAUDULENT BEHAVIOR AND HAVE TO PAY MILLIONS TO CONSUMERS LIKE XXXX XXXX HAS HAD TO DO FOR THE SAME TYPE OF UNETHICAL ILLEGAL BANKING EXPERIENCES.