23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

My complaint is about 2 credit bureaus, Transunion and XXXX and the continuous reporting of unverifiable Public Record : Bankruptcy and unauthorized auto inquires : Since XX/XX/2019, I have written 10 certified letters to Transunion and 3 certified letters to XXXX requesting the deletion of the unauthorized auto inquiries and method of verification of the Public Record. To date, I have not received a method of verification as requested the name, title, address, and telephone number of the person at the courthouse who verified this information per the FCRA. 
XX/XX/2019, I received a letter from Transunion in the mail acknowledging my credit freeze was added to my file. Shortly thereafter in the month of XX/XX/2019, I received a post card in the mail from Transunion stating my fraud alert has been added to my file - - - see attached XX/XX/2019, I received a letter in the mail from the US Bankruptcy Court of MD stating the US Bankruptcy Court of MD is not responsible for verifying and validating information from consumer credit files. I have sent this letter multiple times to Transunion and XXXX on the dates after XX/XX/2019. - - see attached XX/XX/2019, XXXX sent me a letter stating to date they have not received a response from TransUnion, XXXX, or XXXX  regarding this matter. 
Despite my multiple submissions of my courthouse letter and my multiple submission requesting my proof of any submitted credit applications with my wet signature - - these request to date have gone unresolved.
Product: Student loan

In XXXX or early XXXX, I asked Navient to pull my loan out of repayment while I was in school for the purpose of securing a FHA mortgage loan ( before the new HUD change ). I needed an actual payment to remain in qualification for the loan, as the mortgage specialist missed this loan on my report. I have since graduated. Nevertheless, while XXXX promptly put my loan back in deferral due to my in-school status, Navient is refusing to put my loan back in deferral citing that I have graduated, even though I just graduated in XXXX and am well within the grace period. As well, I believe there is currently a COVID forbearance, as well. I have emailed to no avail and tried to set up calls. Still, they are adding fees to my loan and have kept the loan in repayment. In addition to being inefficient, it seems like a shady business practice at this point since they know that recent graduates have a grace period. XXXX, there is the emergency forbearance to which all appear entitled. Additionally, we discussed this situation by phone and staff there agreed that it would be no problem to resume my in-school deferral afterward. Something is awry, and it stands in stark contrast to the exact same scenario I have with XXXX, which was handled without my ever having to email or pick up the phone again. 

Also, they appear to be trying to break the law. 
" In-School Deferment You are eligible for this deferment if youre enrolled at least half-time at an eligible college or career school. If youre a graduate or professional student who received a Direct PLUS Loan, you qualify for an additional six months of deferment after you cease to be enrolled at least half-time. '' https : //studentaid.gov/manage-loans/lower-payments/get-temporary-relief/deferment
Product: Credit card or prepaid card

Cash app refuses to release money I put on the card to.purchase a car. I have provided the info requsted.and they still Won't respond with anything more then an automated reply. Please help me its all the money I have and I was waiting for tax season so that I can solve my transportation issue and get to.work.
Product: Checking or savings account

I reached out to Navy Federal Credit Union twice on XXXX XXXX at XXXX and XXXX regarding my account being closed. The first call I was put on hold for over 10 minutes and the young lady hung up in my face. I called again and was told it would take 14 days for my account to actually close and I would be receiving a check with my funds in the mail. I reached out via the message center to confirm this information and was told the funds would be sent. On XX/XX/2024 I called Navy Federal Credit Union again because I had not received any notices in the mail regarding my account being closed or the cashiers check for the remaining money I had in my account. I had {$1600.00} in my checking account and {$24.00} in my savings account. I had a secured credit card with a limit of {$500.00} and a balance of {$80.00} meaning they owed me {$410.00} for the credit card. The total I am owed is {$2100.00}. I've also sent an email to the CEO and security appeals department regarding this matter. Again, I am requesting my funds to be sent.
Product: Debt collection

Radius Global Solutions LLC ; XXXX XXXX ;, furnished a report in reference to my social security number regarding an alleged debt Radius Global Solutions LLC ; claims is owed on account number : XXXX This letter serves as your legal notice, pursuant to the provisions of the Fair Debt Collection Practices Act 15 U.S. Code 1692c ( c ) to ; CEASE AND DESIST ALL COMMUNICATIONS and TRANSMISSIONS of electronic files containing consumer 's name and address, her status as a debtor, details of debt, and other personal information regarding the above-referenced alleged debt. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, XXXX, XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXXXXXX The consumer has decided not to work or communicate with any collections agency regarding this matter. Any further correspondence from your organization or any other collection agency will be discarded or returned to you unopened. XXXX XXXX XXXX. XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX WHEREFORE, the consumer demands all collection activities such as all calls, visits, electronic communication with third parties regarding details of the alleged debt, the consumers status as a debtor, and the precise amount of the alleged debt CEASE AND DESIST, and these account be REMOVED from all three of consumer reports.

Failure to comply with this legal notice to cease & desist all forms of communications constitutes a violation of the Fair Debt Collection Practice Act, and may warrant legal action. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

A Chase credit card was opened in my name fraudulently on XX/XX/2023. I received a bill in the mail for {$95.00}. I thought this card was an existing Chase account as I have several and paid the annual fee sometime in XX/XX/2023 I believe. Upon paying the bill, the following day I went in to check an existing account and noticed over {$1000.00} in charges were made to the card. I called chase to tell them I did not make these purchases and the issue with paying the annual fee. 

I have gone through XXXX thorough investigations, both resulting in Chase telling me I am responsible.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am requesting again in regard to the inaccurate and unknown things on my credit report. I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). Please verify that all items are XXXX percent true, accurate, and correct, and are not untimely, unverifiable, incomplete, or inaccurate. Please correct these items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX Washington, DC XXXX **Subject : Formal Complaint Against Hayt , Hayt & Landau , P.L . for FDCPA XXXX XXXX Number : XXXX To Whom It May Concern, I am submitting this formal complaint against Hayt , Hayt & Landau , P.L . for multiple violations of the Fair Debt Collection Practices Act ( FDCPA ), as outlined in 15 U.S. Code 1692b, 1692g, and other relevant statutes. Their actions have resulted in unlawful debt collection practices, improper communication, and financial hardship. Below are the specific concerns regarding their misconduct : 1. **Unauthorized Third-Party Disclosure** : Under 15 U.S. Code 1692b, debt collectors are strictly prohibited from discussing alleged debts with unauthorized third parties. Despite this, Hayt , Hayt & Landau , P.L . has contacted third parties regarding my financial information without my consent. This is a direct violation of federal law and my privacy rights.

2. **Attempting to Collect a Debt I Do Not Owe** : In violation of 15 U.S. Code 1692e, the agency has attempted to collect a debt that I do not acknowledge or legally owe. They have provided no substantiating documentation proving my obligation to pay this debt.

3. **Failure to Provide Proper Debt Validation** : Per 15 U.S. Code 1692g, I requested written verification of the debt, including details such as the original creditor, itemized charges, and proof that Hayt , Hayt & Landau , P.L . has the legal authority to collect. To date, they have failed to provide this information, which is a clear violation of the FDCPA.

4. **Unlawful Wage Garnishment** : Without proper validation or due process, my wages are being garnished unfairly. This action has caused significant financial distress. Hayt , Hayt & Landau , P.L . has failed to follow the required legal procedures before initiating wage deductions, which further violates consumer protection laws.

**Request for Immediate Action : ** - Conduct a thorough investigation into the unlawful practices of Hayt , Hayt & Landau , P.L .

- Require the agency to provide full validation of the alleged debt, including original creditor details, an itemized breakdown, and proof of legal authority to collect.

- Instruct the agency to cease all third-party communications regarding my financial information immediately.

- Ensure that all collection efforts, including wage garnishment, are halted until proper validation is provided. 
- Take appropriate regulatory action against Hayt , Hayt & Landau , P.L . to prevent further violations of consumer rights. 

This complaint serves as formal notice of my dispute. I urge the CFPB to take swift action to protect my rights and hold Hayt , Hayt & Landau , P.L . accountable for their unlawful practices. 

Sincerely, XXXX XXXX
Product: Mortgage

To whom this may concern, my name is XXXX XXXX. My girlfriend, XXXX XXXX and I live in XXXX, NC. 
We have a Sale Date on our house on XX/XX/2018. 
We have asked for and received help from you in the past and regrettably we desperately need help again. Our mortgage servicer, Mr. Cooper, formally Nationstar, although changed their name, is still up to their old tricks. We were hoping when the name changed they might change the way they do business but they continue to be a wolf in sheeps clothing. 
Our last sale date was on XX/XX/2018 and thanks to your intervention, they postponed it, again. I emailed them yet another RMA package and after following up several times, of course they didnt receive it. I sent a hard copy via Registered Mail. Since they couldnt deny they received that one, they said it would be uploaded in to their system and a loss mitigation specialist would get back to me. I continued to follow-up every 3 or 4 days and after almost 3 weeks they stated it was in their system but now it was too late to get an Underwriter to process the RMA.> Are you kidding me? The same old b.s. and runaround thats been going on for a very long time now. I do everything that is asked from them but their incompetence and seemingly egregious behavior of not wanting to help us by means of a simple loan modification. I know Nationstar received bailout money during the collapse of the mortgage industry and is required by federal law to help people that need help as long as they have enough income to support their house payment, which we can. 
We have send and resent RMA packages time after time only to be horsed around by being told they didnt receive ; new account managers, incomplete applications, etc. ; the XXXX  never ends.

I know you folks cant force their hand but maybe if somehow our RMA could get out of the Loss Mitigation Dept. and into the hands of someone in the Corporate Office and finally facilitate a loan modification that we need so badly so we dont lose the home that we love. 
We would be devastated if we lost this place and would have nowhere to go if that happened. 
Please help us postpone the sale date of XX/XX/2018. PLEASE HELP!!! 
XXXX XXXX & XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX
Product: Checking or savings account

I deposited a insurance check for {$8600.00} into my personal checking account that was made out to me and the mortgage company. The back of the check had the endorsement from both mortgage company and myself. However the following day my account was frozen without explanation. I only was informed after my debit card was declined while trying to purchase gas. I was told by local chase branch manager to call loss prevention. After several conversations I was told they needed to verify funds even though check was drawn on chase account owned by insurance company. I provided the check verification phone number and contacted my insurance company who said check had already cleared. I called chase loss prevention back and was instructed they needed to speak with signer from my mortgage company on a verified phone number. I gave them corporate number and his extension and they called and said account should be unrestricted within the hour. I called one hr later and was told account still restricted and they apologized and stated the phone number they called for verification was delisted and verification was invalid for mortgage company signer. They are refusing to unrestrict my account and refuse to release my insurance proceeds to fix my roof
Product: Credit reporting or other personal consumer reports

My credit report contains late payment records that I strongly believe are inaccurate and possibly linked to a data breach. These false records do not reflect my actual payment history, and their presence is not only misleading but also damaging to my financial reputation. This level of inaccuracy is unacceptable, and I will not allow it to stand unchallenged. 

Despite my diligence in maintaining a responsible financial track record, these errors are creating unnecessary obstacles for me. The Fair Credit Reporting Act ( FCRA ) is clearany outdated, incorrect, or unverifiable records must be corrected or removed immediately. I expect swift action to address this issue, as any further delay will only compound the harm already caused. 

XXXX XXXX XXXX  - XXXX
Product: Credit reporting or other personal consumer reports

I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS. 




ACCORDING TO XXXX XXXX XXXX ( A ) ( XXXX ) 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} ; I WANT XXXX XXXX PER VIOLATION OR REMOVE ACCOUNT!
Product: Vehicle loan or lease

Date of transaction was XXXX XX/XX/2023 @ XXXX check was deleievered to Ally. Check was Reconciled on XXXX XX/XX/2023 by Ally. The XXXX XXXX XXXX XXXX XXXX sent them a check for {$54000.00} u.s.c to pay off my loan XXXX Ally since I refianced my vehicle through my XXXX XXXX XXXX XXXXXXXX. I been banking with the XXXX XXXX XXXX XXXX union for over 10 years. The XXXX XXXX XXXX XXXX XXXX has also been helping me ( XXXX XXXX and XXXX ). The Nature of this disput was that the check was returned for no reasoning and that me ( XXXX XXXX or the XXXX XXXX XXXX XXXX XXXX did not recieve this check back. Ally also stated that they dont know where the check went back to or were it went. The bussiness has not helped or not tried to resolve the problem. This bussiness ( Ally ) sent me a letter to my parents residence stating that the vehicle was paid off and congratuatlations. Now to this date. The credit union send two check were ally stated they were reversed back and sent back with XXXX XXXX or the Credit Union not recieving the second check back. Everytime We call Ally, We got the run around and talk to atleast 7 people getting transferred to either customer service, collections and back to customer service. This bussiness has not helped and ruined my credit for telling me my vehicle has been paid off and reverse the transaction and now been 109 days since i made my last payment through them. I currently have two loan Now on 1 vehicle which i Shouldnt be doing. Ally now is trying to hit me with late fees and charges for something they should be responsable for. Tracking number for this chexk is through XXXX and is XXXX and the check was delievered on XXXX XX/XX/2023 at XXXX and was reconciled on XXXX XXXX XXXX status also shows reconcile which ill provide photos. No ad was not advertising. This is currently effecting my credit aince I been paying my new loan for the vehicle. Ally is totally at fault for this and is trying to have me pay fees I should have to since they never notified me about my checks
Product: Credit reporting, credit repair services, or other personal consumer reports

I have noticed thaXXXX XXXX XXXX XXXX have placed an inquiry on my EXPERIAN credit file dated XX/XX/2022. On multiple occasions I requested XXXX XXXX XXXX and EXPERIAN to verify these inquiries. They have yet to do so.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX 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. 
These inaccuracies are keeping me from obtaining new credit
Product: Debt collection

Commonwealth Financial Systems, a third party alleged debt collector failed to send my " Mini-Mirandi '' rights before placing this alleged debt on my credit report, in which I asked for validation and informing them about the " Mini-Mirandi '' rights. They did n't respond, so I contacted the XXXX and Commonwealth Financial Systems stated to the XXXX they would immediately remove it by notifying the XXXX credit bureaus ( XXXX, XXXX, & XXXX ), in which they made this statement to the XXXX on XXXX ocassions ( XX/XX/2015 & XX/XX/2015 ) to no avail. 

Then on all XXXX credit bureaus this item is still on there to this day XXXX XXXX, 2015 with a little trickery on blocking out certain numbers, but get this, it 's the same account and even shows it 's pass the 7 year " Statue of Limitations '' for removal from all XXXX bureaus. They are arrogantly breaking the in regards to FDCPA, FCRA, and defamation of character. 

Please advise
Product: Credit reporting or other personal consumer reports

I have attempted to unfreeze my TransUnion credit report multiple times over the past week so I can get preapproved for a home loan. Unfortunately, the website is incredibly glitchy and will not allow mt to login due to alleged password/username errors. However, when I go through the process to verify my identity and reset my password that portion of the website doesn't work either. When I call customer service, they tell me my case will have to be elevated to a different department and to expect a call back in the next XXXX days. XXXX  days later and nothing but crickets.
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion and Experian credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card opened at Credit First on XX/XX/XXXX under the account number XXXX, a personal loan opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.