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

Writing to request the removal of an inaccurate account reported by National Credit Systems on my credit report. This company has provided inconsistent and incorrect information across all three of my credit reports, violating the Fair Credit Reporting Act ( FCRA ). 

The FCRA requires that ALL information reported on credit reports must be accurate, complete, and timely. National Credit Systems has failed to meet these legal standards, and their reporting is harming my credit standing. Demand that they remove the account immediately.

Made several requests to National Credit Systems, telling them I never gave their company access to my credit report and that my social security information was stolen in data breach. They refused my requests without taking any steps to verify the accuracy of the information. Urge you to address this issue promptly and ensure compliance with the law. 

Thank you for your assistance.
Product: Debt collection

My mother died on XX/XX/XXXX, leaving me as executor. I recently received a foreclosure notice on the property our family lived in for almost 60 years. According to the notice, in XXXX my parents took out a loan for {$40000.00} from Chase Bank, to remodel the house. At that time, BOTH of my parents were retired, living on a combined Social Security of about {$1100.00} - {$1200.00} per month. Their payment was to have been over {$500.00} per month, and would last until XXXX, when my mother would have been XXXX years old. On top of that, the interest on the loan was 8.725 %. My father then passed away in XXXX, leaving my mom to make these payments on her SS check of slightly over {$600.00} per month. In XXXX, they made an agreement to lower the payment, but extend the loan until XXXX, when my mother would have been XXXX years old! As I said, both of my parents had retired years before taking out this loan. In addition, both of them had TERRIBLE credit! Why would anyone give a loan like this to someone, under these conditions. Also, I see that one of the stipulations in the loan is that they will not let the property deteriorate. At the time of the loan, the west wall of the house had already detached from the rest of the house. The floor on that end of the house was sinking into the crawlspace. The ceiling in the attached garage was caving in. If Chase Bank had bothered to look at the house in advance, there is no way they would have given this loan to my parents. My mother was able to pay off only about {$10000.00} of the loan before she died, and the house is now being foreclosed on. As we work to settle her estate, the house and contents will be sold, but most of the money will go to settle this debt. I feel that allowing my XXXX and XXXX year old parents to take out this large loan on a house that should have been condemned should be considered a " predatory loan '', and the loan should be forgiven.
Product: Credit reporting or other personal consumer reports

IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT ACCOUNT XXXX XXXX XXXX XXXXXXXX, 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
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

I already sent multiple debt validation letters and they willful non-compliant as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] debt showing on on EQUIFAX REPORT : XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX FL Re : Acct # account number # # # # # # # # # # # # # XXXX
Product: Checking or savings account

Details of the Transaction : On XX/XX/year>, I made a purchase through XXXX using my Wells Fargo ACH account to buy goods from a manufacturer in XXXX. The goods arrived severely damaged ; the print on the jackets weren't made according to the specifications provided, they were cut off at random positions making the prints look different for every jacket compared to the example provided to the manufacturer. On top of that the jackets came with black ink stains all over the print that can't be removed, the product is destroyed, manufacturer didn't want to provide images of the XXXX  jackets either. All the proof is in screenshots provided, and would provide anything else necessary. I immediately contacted both the manufacturer and XXXX to report the issue and seek reimbursement. 

Claim Denial : I filed a claim with XXXX on XX/XX/year> and provided all necessary documentation, including receipts, photos of the damaged goods, and email correspondence with the manufacturer. Despite this, my claim was denied on XX/XX/year> with XXXX stating that they do not provide protection for goods and services. XXXX representative said that I can create a claim with Wells Fargo at this point. 

I then filed a claim with Wells Fargo XX/XX/year>, provided the representative with the information of the event and told me to check back in around 10 days. Today, XX/XX/year> Wells Fargo notified me that the claim was denied, stating the same thing, that they don't provide protection for goods and services because of their policy. 

Consumer Protection Argument : As a customer, I expect my financial institution to protect me against fraudulent or defective transactions, especially when dealing with international purchases where it is difficult to seek redress from the manufacturer directly. Consumer protection laws are designed to safeguard customers in such situations, and I believe Wells Fargo 's decision contradicts these principles. 

Financial Impact : The cost of the damaged goods represents a significant financial loss to me, and Wells Fargo 's refusal to assist me in this matter exacerbates this loss. 

Request for Resolution : I am requesting that the CFPB review this case and assist in ensuring that Wells Fargo honors its responsibility to protect its customers from fraudulent or defective transactions. I seek reimbursement for the damaged goods or assistance in resolving this issue with XXXX and the manufacturer.
Product: Money transfer, virtual currency, or money service

Square is withhold g money that was paid to me for legal services. Square has requested invoices for confirmation, which had been provided on multiple occasions. Upon rejection, no reason was given as to what was missing or what additional information was needed in order to access my funds. Finding customer service was extremely difficult, and once contacted they indicated a number of things that invoices require and some that were optional, yet made no reference to what specifically was incorrect or insufficient, particularly as all mandatory portions of the requested invoices were delivered to them. There is also no prior notice of these verification procedures to be found anywhere upon enrollment in the service. Up to that point it is really just poor customer service. 

HOWEVER, Square also offers checking/savings accounts. It is my belief that square is making this matter unreasonably difficult as a cross-selling strategy for their banking products, all while profiting on what amounts to an interest free loan of the money they are withholding. They are manufacturing problems for their customers, then offering these banking products as the solution in a predatory manner, particularly as their advertising and products are targeted at small business owners, such as myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX  XXXX  XXXX  # XXXX is reporting a collection to my credit report that is in violation of my 30 Day Right to Dispute, I never received any kind of notice for this collection and I settled it as soon as I found out about it. This should not be on my credit report and needs to be removed immediately.
Product: Debt collection

Recently while conducting a monitor of my credit report I discovered that Choice Recovery has furnished some items that have unverified information. I believe under the Fair Debt Collections Practices Act, I have the right to request that you allow me to validate the alleged debt. I am aware that there is a debt from Choice Recovery but I am unaware of the amount due and the bill does not include a breakdown of any fees. 
Additionally, I am allowed under the HIPPA law [ HEALTH INSURANCE PORTABILITY AND ACCOUNTABILITY ACT OF 1996 ], to protect my privacy and medical records from third parties. I do not recall giving permission to XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX  to release my medical information to a third party. 
The following accounts that need to be disputed are as follows : 1. CHOICE RECOVERY : ACCT # : XXXX 2.CHOICE RECOVERY : ACCT # : XXXX 3.CHOICE RECOVERY : ACCT # : XXXX 4.CHOICE RECOVERY : ACCT # : XXXX 5.CHOICE RECOVERY : ACCT # : XXXX
Product: Debt collection

The company  XXXX   XXXX   XXXX  are seriously violating the FCRA. They took a charged off account that was closed and added an ok payment status on my credit report on   XXXX   They then closed the account on  XX/2016.  Next, they removed the ok status from   XXXX   and added an ok status for   XXXX   Then changed the whole history from charge off to failure to pay. I 've ever did business with  XXXX   XXXX   XXXX  company and I do n't think it is fair for them to damage my credit like they are doing. I have asked them to verify the debt and they never did. This is what they did when I asked them to verify this so called debt! And I gave them over 30 days. They did not respond in a timely manner
Product: Vehicle loan or lease

NorthStar Location on behalf of XXXX XXXX is needing us to speak to the company about form 4205 and making arrangements to have final debt resolved. 

Need Form 4205 sent to XXXX XXXX XXXX, XXXX, XXXX XXXX MO, XXXX Have been having issue with getting the product we were supposed to have paid for in 2017 with car dealer and their financial partners. I was promised fair financing and a vehicle that wouldnt put myself and others in danger. I received a letter stating the vehicle was recalled due to class action and that I would need to submit a claim and await a decision. I had no control over the defectiveness of the vehicle nor the financial partner tying us to the defective vehicle beyond the loan paperwork. I had called in to the financial partner who is the lien holder in the situation and advised about the recall and need to workout a payment arrangement and they were originally not willing to help us in the situation unless I made payments on the vehicle which our contract was voided when the manufacturer voided the warranty and was forced to repay for the damages on the claim. Currently the only thing stopping the manufacturer from paying is me having the vehicle registered in my name, which I can not do because the paperwork sent to the financial partner was sent to the XXXX in XXXX XXXX and not to me to proceed forward with getting the vehicle registered. Previous attempts to have the buyback request completed and them paid or previous attempts to workout payment arrangements has been consistently a headache. I spoke with NorthStar Location who was thankfully able to work with Client Relations to have them forward the signed document I faxed from our local XXXX XXXX XXXX, but I only need it signed and returned, not forwarded or bounced or assumed just sent back to me, so I can complete the next step in getting them paid and it seems they and sometimes when I call North Star Location to resolve the matter they, particularly XXXX XXXX XXXX, has stated that the matter needs to be handled between XXXX and myself ( when XXXX sends me to them and via a verse ). Ive been asked why the manufacturer hasnt paid sooner and various other things that are beyond my control or really function or office and ministry, but what I can say is that it would be such a blessing if they would hear the circumstance and not try to make additional emotional damages when I call with a plan to resolve the matter, but treat me like someone trying to resolve an issue that I tried to previously fix when circumstances were beyond my immediate control.
Product: Checking or savings account

On XX/XX/2020 I noticed my Moneylion bank account had three unauthorized transaction 's, {$500.00}, {$200.00}, {$1000.00} totaling {$1700.00} all said paid to XXXX. I called my bank but they were closed and I could only reach XXXX through chat messages, which they said they couldn't help me since I don't have a XXXX account and advised me to call my financial institution. When speaking to Moneylion they sent me a dispute form and instructed me to fill it out then send it back when done, afterwards they had 10 days to investigate the charges. After 10 days the monies was deposited back into my account, but 12 days after Moneylion reversed the credit leaving my account negative. I tried calling multiple times asking for a supervisor to call me back, which I never received, was only told the dispute team had made the final decision and I sent an email, which I never received.
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a inaccurate bankruptcy on my credit report that isn't mine with the credit bureaus. It was removed XX/XX/XXXX, then reinserted without notice which is required by the FCRA and notice has to be given by the credit bureaus in writing 5 business days after reinsert. I received nothing from this company. This is a clear violation of the FDCPA legally. I have a right to a fair & accurate credit report. I have also contacted the bankruptcy courts by mail & email & provided copies to this company. I have also been told they don't verify with credit bureaus so they can't provide me any information. I am demanding this deleted immediately for this is ruining my credit & doesn't belong to me.
Product: Checking or savings account

Somebody we dont know made 7 different transactions on my savings account on XX/XX/XXXX for a total of XXXX dollars. We filed the complaint to bank of America but they rejected it. I am coming to you because we did not make those transactions and we can really use your help. 
List of transactions : Withdrawal from ATM XX/XX/XXXX : {$360.00} Withdrawal from ATM XX/XX/XXXX : {$260.00} XXXX XXXX XXXX Purchase XX/XX/XXXX : {$550.00} XXXXXXXX XXXX XXXX Purchase XX/XX/XXXX : {$14.00} XXXX XXXX Purchase XX/XX/XXXX : {$29.00} NNT XXXX XXXX XX/XX/XXXX : {$29.00} XXXX Purchase XX/XX/XXXX : {$82.00}
Product: Debt collection

Lobel financial is garnishing my checks and I never had chance to dispute and they sent the notice to an old address and the debt is over 4 years and I believe it around XXXX dollars. I need help fighting this debt.
Product: Credit reporting or other personal consumer reports

I tried to login/ sign up for my account to access my credit report information. Their site had an error and display a message to contact them directly to get resolution. That contact number only allow you to interact with their automated system. 

So they acknowledge their site is having issues and require human intervention but then block all types of human contact effectively blocking me from my information. 

I have tried all of their resets but nothing works. Also the same message that they had an internal error and I have to contact them directly with they block with an automated voice system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent notices informing the credit reporting agency that the information they have on file is the result from identity thief, but they have refused to block the information and do a thorough investigation even though I sent a police report, reported from FTC and sent other correspondence to get this issue resolved. They have failed to remedy the matter and have not provided me of any documents which would verify why they would have these negative marks on my report which is causing economic harm. I have sent and recorded all correspondence that was sent certified mail for my record.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit Reporting act XXXX  account # XXXX XXXX has violated y rights. 
15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states that a consumer agency can not furnish an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose.
Product: Credit card

To Consumer Financial Protection Bureau, I writing with a complaint on Navy Federal Credit Union, and to make you aware of a practice that should be looked into. 

I disputed a credit card charge with XXXX XXXX XXXX around XX/XX/XXXX XXXX Based on this open dispute Navy Federal put the following comment on my credit bureau reports twice : Account information disputed by consumer, meets FCRA requirements. This statement caused my XXXX credit score to drop XXXX points from XXXX to XXXX. Additionally, the XXXX and XXXX credit scores dropped between XXXX and XXXX points from XXXX to XXXX to XXXX. I disputed the charge on my credit card account because I didn't receive the services I paid for from the merchant, and its my right to dispute the charge. However, the statement Navy Federal put on my credit bureau file was punitive. 

I sent two messages to Navy Federal, however, Navy Federal was no help in resolving the situation it caused. Everyone I spoke or wrote to at Navy Federal said, that its the credit bureaus problem not theirs. However, I believe Navy Federal should understand how each statement they put on a members credit bureau file, will impact the members credit score. They should know if it will have a positive or negative impact and they should put a statement on the file that mirrors the situation. Additionally, they should listen to what its members are saying so that they understand what is happening. 

I contacted each Credit Bureau and they listened and looked at the situation, and knew that my scores should not have dropped. They removed the statement. My credit scores increased ; however, they did not increase by the amounts they decreased. Then once again Navy Federal put the statement on and my XXXX credit score is back to XXXX. Additionally, the XXXX and XXXX credit scores are XXXX to XXXX. I want my credit scored back to XXXX. 

Respectfully, XXXX XXXX
Product: Mortgage

Keep going to court. No one is helping. Covid has me unemployed and I want to keep my home. I would like to apply for the covid forbearance to allow me the time to fix to this. I have XXXX children and Im XXXX. I don't want to be homeless.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hey i asked the credit bureaus to do a thorough research to identify inaccuracies in my account and they did but nothing happened so after doing my own research i was able to identify several inaccuracies on my profile Name of account : XXXX XXXX XXXX " Account Number : XXXX DateOpened XXXX XXXX XX/XX/XXXX Name of account : XXXX Bank Account XXXX : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX XXXX XXXX Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX XXXX XXXX XXXX  Account Number : XXXX DateOpened : XX/XX/XXXX Name of account : XXXX  Account Number : XXXX DateOpened : XX/XX/XXXX : Name of account : Child support Account Number : XXXX DateOpened : XX/XX/XXXX Date closed : In accordance with the fair credit reporting act XXXX  accounts Have violated my rights. 

# XXXX # XXXX # XXXX # XXXX ( duplicate accounts ) # XXXX # XXXX 15 U.S.c 1681 section A. States i have the right to privacy 15 U.S.C 1681 section 602 A section : also states that a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Equifax was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. Here is the list of inquiries that are still reporting on my Credit Reports : XXXX-Date of inquiry XX/XX/XXXX XXXX-Date of inquiry XX/XX/XXXX
Product: Mortgage

We did a short sale on a mortgage in 2013. We had a mortgage with Wells Fargo which was a VA loan a that time we had a balance of of {$250000.00}. Wells Fargo agreed to the sale price of {$240000.00} and after all fees the sales proceeds were {$220000.00}. which left a balance of {$32000.00}. We received an agreement from Wells Fargo prior to the closing that they would not seek any deficiency balance. I have just been informed by VA home loan certificate dept that Wells Fargo did request the balance from them in the amount of {$64000.00} which is {$31000.00} above the deficiency balance. Now in order for my husband to get back his entitlement on his VA home loan certificate we will have to pay {$64000.00} to the VA. My question is was Wells Fargo within their right to seek the deficiency payment ( after they told us they would n't ) and if so, are they allow to profit {$31000.00} from it requiring us to be liable for that amount to the VA??
Product: Debt collection

I had filed XXXX  XXXX and it was for 4 years. I paid continuously for three years. Life circumstances happened. I was unable to pay the last year so my XXXX  XXXX was dismissed. Collection agencies started bombarding me. I was able to work with some and make affordable payments. XXXX XXXX which is XXXX XXXX started sending me papers to appear in court. I missed the first one as I was very pregnant, high risk and majorly XXXX. Then a policeman showed up with the court papers and told me if I didn't go to the next court appearance I would go to jail. Went to court. Told the lawyer I was unable to pay {$200.00} a month but could pay $ XXXX she said smallest amount I could pay was $ XXXX. I tried paying the best I could. I'm the only one working in my family. I'm working overtime just to survive. They did a levy on my bank account for one month. They have sent out another letter for me to appear in court. These people are the worst type of people and only out for blood. My XXXX  and XXXX has almost gotten to me numerous times. The lawyers for that company XXXX XXXX XXXX XXXX and XXXX XXXX XXXX from XXXX.