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

Unauthorized Debt Collection & Funds Withdrawal by Navy Federal Credit Union I am filing this complaint against Navy Federal Credit Union ( NFCU ) regarding their continued withdrawal of funds from my checking account to collect on a charged-off credit card debt from XXXX 

The credit card was originally opened in XXXX XXXX and the debt was incurred while I was living in XXXX 

Navy Federal charged off the debt in XXXX and it has been reported as such on my credit report for years. 

I currently reside in XXXX, but my military home of record was XXXX  at the time. 

Despite the debt being charged off, NFCU automatically drains any money deposited into my account without my consent.

When I called Navy Federal to dispute this, their representative refused to acknowledge state statutes of limitations ( SOL ) and falsely claimed they could collect the debt indefinitely, regardless of SOL laws.

I asked for a copy of our phone conversation, but the representative refused to provide it. 


Why This Is a Problem : 1. Statute of Limitations May Have Expired Based on the states involved ( SC & MD : 3 years, FL : 5 years, GA : 6 years ), NFCU may no longer have the legal right to sue for collection, yet they continue seizing my funds.

2. Unfair & Deceptive Collection Practices The representative falsely claimed that NFCU could collect forever, which is misleading. She also seemed very hostile and defensive about me bringing SOL and the charge off date. She even got smart and I said " may I ask you a question '' her reply was " you can try ''.

3. Refusal to Provide Call Recordings or Documentation I requested proof of their collection rights and a copy of my call, but they refused.

4. Right of Setoff Being Abused While NFCU may claim " Right of Setoff, '' they failed to provide written notice or an opportunity to dispute. 



This situation has caused significant financial hardship, and Navy Federals refusal to acknowledge the law is unacceptable. I request that the CFPB investigate their collection practices and hold them accountable for any violations of consumer protection laws.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am aliving and breathing human being, I have rights granted to me by the " FAIR CREDIT REPORTING ACT " THAT ARE BEING VIOLATED!! I was denied a mortgage because YOU EQUIFAX has hidden and blocked my score from me and lenders that I am actually applying to. But you allowed my identity to be compromised and accounts be taken out in my name that I did not authorize.
Product: Debt collection

I ported my phone number out of XXXX to XXXX XXXX and I contacted XXXX to ensure that I was clear about having paid any money to them and they said all of my obligations to XXXX were paid. Approximately 3 month later I received a notification telling me that I owed money to a collection agency telling me that they were acting on behalf of XXXX and I had to give them money or they will impact my credit rating. This is important to me because I have had problems with XXXX regarding this issue. XXXX said that they remove the claim and I forgot about my complaint. I am receiving phone calls and letters demand payment for a debt that I don't owe after they said that they were going to cancel the claim of debt. The latest number to have called me is XXXX. Please help me with this Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I attempted to call these companies and they forward me to calling Experian, XXXX and XXXX. Experian has removed them all as per according to law if they are due to fraud, unauthorized they must be removed as soon as possible. 

See below the inquires that I have never applied to. 

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

XXXX 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. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : Account name : Account name : XXXX XXXX XXXX  Account number : XXXX Account name : XXXX XXXX XXXX Account XXXX : XXXX Account name : XXXX XXXX XXXX Account number : XXXX Account name : XXXX XXXX XXXX Account number : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case.
Product: Money transfer, virtual currency, or money service

I ORDERED A FUNDS TRANSFER ON XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX  ) ON XXXX XXXX RECEIVED THE FUNDS FROM OUR XXXX XXXX  CHECKING ACCOUNT, BUT THE RECIPIENT STILL HAD NOT RECEIVED THE MONEY. I CALLED TO FIND OUT WHY. THE XXXX XXXX GAVE ME AN APOLOGY AND A WORD SALAD EXPLANATION THAT MADE NO SENSE. SHE SEEMED TO SAY XXXX ( PAYPAL!!! ) ISN'T CONNECT TO BANKS. I EXPLAINED THAT IF THE MONEY WAS OUT OF OUR ACCOUNT THEN IT IS IN XXXX 'S ACCOUNT! THE MONEY DOESN'T FLOAT AROUND IN CYBERSPACE FOR SEVERAL DAY - IT LEAVES XXXX ACCOUNT AND GOES TO ANOTHER. SO NOW THEY WILL SIT ON MY FUNDS UNTIL XX/XX/year> - AN ENTIRE WEEK 'S USE OF CUSTOMER FUNDS. IT SEEMS PRETTY CLEAR THAT THEIR PATTERN AND PRACTICE OF BUSINESS IS TO MAKE MONEY ( EARNING INTEREST ) OFF OF CUSTOMER FUNDS WITH UNREASONABLE DISBURSEMENT DELAYS. NO OTHER MONEY EXCHANGE DOES THIS! HERE IS THE EXPLANATION I RECEIVED FROM THEM BY EMAIL : Dear XXXX XXXX, Thank you so much for contacting us. We reviewed your concern regarding the completion time of your transaction. In some cases, XXXX must wait for payment processing to complete from your payment source before sending the money to your recipient. This typically takes between XXXX to XXXX business days, but the funds will be delivered by the stated date available, as listed on your receipt. We sincerely apologize for any inconvenience this may have caused. 

This claim has been denied and the case is now closed. If you'd like to request a copy of the documents that we relied on in making this decision, please contact us. You can also mail your request to : XXXX Customer Support XXXX XXXX XXXX XXXX XXXX XXXX In your request, include your name, the email address on your XXXX account, and the Case or Transaction Number provided. 

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

submitted an online dispute. Received an email stating that the request has been completed. Upon entering my information to review the results I received a mesage that my information does not match Equifaxs records. Phone Equifax and got a representative that spoke very poor English. Rep verified what Equifax hace for my records, which was the exact information I used when trying to review my dispute results. Then I was told that there was no dispute showing & the rep took my dispute over the phone. I again got an email stating my dispute has been complete and yet again when trying to retrive the results I got a response that my records did not match Equifax records. Contacted Equifax again today XX/XX/18 got another representative that spoke very broken english stating the same thing the previous rep stated. Askes how can I retrieve my results and was told that I cant and that she can submit another dispute. I believe my information is being held from me due to fraud on Equifaxs part.
Product: Credit reporting or other personal consumer reports

According to 15 U.S.C 1681c-2 ( a ) The law mandates that fraudulent accounts MUST be BLOCKED from my credit profile once a report of identity theft is made. I am now exercising this law. According to 15 U.S.C 1681s-2 ( a ) ( 1 ) ( A ) of the FCRA furnishers of information are PROHIBITED from reporting information they know or have reason to believe is inaccurate. XXXX XXXX XXXX XXXXXXXXXXXX XXXXXXXX  ACCOUNT XXXX, XXXXXXXX XXXX XXXXXXXX ACCOUNT XXXX, ALL ACCOUNTS ARE ERRONEOUS AND DO NOT PERTAIN TO ANY DEBT I OWE. Reporting FALSE information is a direct violation of federal law and has unjustly damaged my creditworthiness. I INSIST THAT YOU, DELETE THESE INACCURATE ACCOUNTS FROM MY CREDIT REPORT IMMEDIATELY, CEASE ANY FUTURE REPORTING OF THIS INFO TO ALL CREDIT BUREAUS, AND PROVIDE WRITTEN CONFIRMATION OF THESE ACTIONS WITHIN 15 DAYS OF RECEIPT OF THIS LETTER. FTC COMPLAINT # XXXX
Product: Credit card or prepaid card

I disputed a charge back in XX/XX/2022 that was fraudulent. I even received a fraud alert from Citibank and I immediately reported it as fraudulent and was given a new card ( I have attached such emails below ). It was removed initially during the dispute process but ruled in favor of XXXX even though I did not make such charges. 

The charge reads : REVERSE XXXX XXXX XXXX {$280.00} Purchased on XX/XX/2022 Posted On XXXX XXXXXXXX XXXXpend Category XXXX It seems to me that XXXX is an airline or travel company, and if you check what was probably purchased, none of it relates to me as I have not planned nor traveled anywhere in the last few months.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following names, accounts or inquiries : Name : XXXX XXXX ; Addresses : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX # XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, FL XXXX XXXX Accounts : U S DEPT OF EDXXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX Balance : - XXXX XXXX XXXX Balance : {$1200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$280.00}, XXXX XXXX XXXX Original Creditor : XXXX ) XXXX Balance : {$200.00}, XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1000.00} ; Inquiries XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX  XXXX XX/XX/XXXX, XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX  XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

RE : Social Security Number : XXXX To Whom It May Concern : This is my second time writing you to update my personal information.

15 USC 1681 ( a ) ( 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 I demand a deletion of all personal identifiable information from my consumer credit report with the exception of : My Full Legal Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete all other addresses, I can not receive mail or any correspondence nor do I have access to any of these addresses please delete these outdated addresses and update the address with the one above.

I demand my social security number and date of birth be removed from being displayed on the credit file for privacy reasons.

Delete all information in the employer section.

Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections. 
Please send an updated credit report once the changes are complete to my contact information listed. 
My contact information is as follows 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: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number ( XXXX ), These account have resulted in several fraudulent collection appearing on my consumer FICO credit report. I do not recognize the aforementioned account, collection as reported. The aforementioned account, collection, appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned account, collection, are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit account, collection, are the result of identity theft and fraud.
Product: Payday loan, title loan, or personal loan

My husband and I financed through Mosaic for a Home Improvement Contract with a General Contractor. The loan is in my husbands name. We were approved for a $ XXXX line of credit. The contract we signed with the contractor was for {$23000.00} and we gave them a {$1000.00} cash deposit leaving the balance of the loan a total of {$22000.00}. On XX/XX/XXXX we received an email that Mosaic had issued a payment to the contractor for {$12000.00} which was almost 54 % of the total and the contractor didn't even start the job until XX/XX/XXXX. California Code, Business and Professions Code - XXXX XXXX says : " IT IS AGAINST THE LAW FOR A CONTRACTOR TO COLLECT PAYMENT FOR WORK NOT YET COMPLETED, OR FOR MATERIALS NOT YET DELIVERED. HOWEVER, A CONTRACTOR MAY REQUIRE A DOWNPAYMENT. THE DOWNPAYMENT MAY NOT EXCEED {$1000.00} OR 10 PERCENT OF THE CONTRACT PRICE, WHICHEVER IS LESS. 
After 10 days of working on my house. The contractor abandoned the job on XX/XX/XXXX and refused to fix the substandard work. I called Mosaic and told them not to make any additional payments to the contractor and asked why they paid them so much in advance and they said it was standard that they pay the contractors 30 % upfront.. I called them many times over the next several weeks and they hung up on me multiple times and kept telling me my case was with a different department and they would get back to me in a few days and never got back to me. On XXXX I spoke with someone about cancelling the loan. The representative told me they would have to contact the contractor first. I asked what happens if the contractor does not agree to cancel the loan and she told me they would reach out to me for more details and do their own internal investigation. On XX/XX/XXXX I received an email saying " We received a response to your cancellation request from XXXX XXXX. They have informed us that your project will continue. Mosaic will close this cancellation case and will continue with the current loan. '' The bank has been very difficult to deal with and is more interested in protecting the substandard contractor than helping the consumer because this is the way they make their money.
Product: Credit card or prepaid card

On Monday XX/XX/XXXX at night I used the Capital One travel portal to book a hotel. Capital One gives a price match guarantee for all travel booked through their portal. I booked the XXXX XXXX XXXX XXXX XXXX for XX/XX/XXXX check in and XX/XX/XXXX check out. When I go to price match I must find the total price another website would charge me and I found on stayforless.com a total price for {$180.00}. 
The price on Capital One was {$210.00} total. I did have a {$100.00} credit which applied to the price of XXXX. Also, {$23.00} of the total price was not due at that moment and was due when I arrived at the hotel. So XXXX {$94.00} is what I paid on my credit card at that moment. Because I had a separate XXXX $ credit and because I don't pay the XXXX customer service told me they would not price match. I explained that price matching is meant to be on the total price not some lesser amount. I think they should have credited me back XXXX $ ( XXXX = XXXX ) and that is the amount I'm seeking.
Product: Credit card or prepaid card

Lowes reduced my limit without contacting me. 
Only because I didnt use the card for a month or two. I never made a late payment.
Product: Debt collection

I had something all typed out and it got deleted when adding the photos. Basically Bank of America and their law firm XXXX and associates are violating the FDCPA by taking legal action outside the time barred period. Account was closed by Bank of America on XX/XX/XXXX and their law firm started a judgement on XX/XX/XXXX which they should know better being that XXXX XXXX is 3 years. Was never notified of this court date and they cant say they tried being as I have XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  They sent the judgement again with no service done just regular mail XXXX guessing in hopes that Id just throw it away.
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report once again, I discovered that some of the information was erroneous. It is not authorized to fail to validate the reporting account as unverified information. The 3 credit bureaus must validate this account : XXXX XXXXXXXX XXXX Balance Owed : {$290.00}
Product: Debt collection

This letter is a formal complaint that you are reporting inaccurate and incomplete credit information. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only XXXX  % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be re-investigated. 

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. 

There failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me with a copy of verifiable proof, you must remove the account listed below. 
I demand that the following account be verified or removed immediately : XXXX. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX ( XXXX  ) XXXX XXXX XXXX, XXXX, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. 

Delete these item immediately : XXXX XXXX XXXX Account Number - XXXX Address : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  XXXX XXXX Thank You, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Due to a financial XXXXy in late XXXX, I entered into a monthly payment agreement with American Express for 8 months. American Express agreed to allow me to pay a lower monthly amount for 8 months to help alleviate the financial XXXX. I paid every month automatically on time, and then proceeded to pay off the entire balance of my card in XXXX of XXXX. 

I made on time payments from XX/XX/XXXX to XX/XX/XXXX. Instead, American Express recorded this period as late payments on my account, even though I was paying the minimum amount Amex and myself agreed to. This is inaccurately reported on my XXXX, XXXX, and XXXX credit scores. I have disputed this item several times, and American Express does not even have their own records of my payment history. When I call them, they can't even find the account, and it's closed. If they have no record, this should be removed from all credit reports immediately, as it has caused enormous prolonged financial inequity to me and my XXXX, with an unreasonable interest on our home mortgage.
Product: Mortgage

My mortgage company is attempting to foreclose on my property with a complete modification package in their possession this a violation of Federal Laws. They received the workout package and while reviewing for a loan mod my account was referred to their foreclosure attorney XXXX XXXX XXXX. This is defined by the Frank Dodd Act as DUAL TRACKING. This company refuse to help me with a modification for over 5 months. Once my loan package was received they forward my loan for foreclosure in order to take over a million dollars in equity. I feel this is racially motivated because I am a triple minority living in a predominantly XXXX area with nearly 2 million dollars in equity. 

I also mailed a QWR 4 months ago and they never responded.
Product: Payday loan, title loan, or personal loan

Someone stole my personal information and later used that information to open the following acct. in my name : Toledo Finance Opened :  XX/XX/19 Amt. XXXX I have provided them with my Police report and FTC ID Theft Report.