23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Issues : 1. Navy Federal Credit Union is not complying with my request for a 180 mortgage deferment. I made the request because I am experiencing financial hardship brought on by the COVID state of emergency. 

2. I was offered a 90 day foreberance and told once it expires I'll need to request another 90 day foreberance which will be reviewed by NFCU. When asked what the review process entails and what qualifies/disqualifies a person for a 90 day extension the customer service manager would not answer. 

3. NFCU would not commit to any terms or options at the end of the foreberance period to repair the loan. I was told by the customer service manager that we can not talk about those details until the foreberance period is near expiration. 

Date of call/s : XXXX XXXX, 2020, XXXX. 

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

To Whom It May Concern : I have noticed that you have placed an inquiry on my XXXX credit file dated XXXX, & XXXX/XXXX/XXXX As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. Since it is against federal law ( Fair Credit Reporting Act15 USC 1681n ( a ) ( 1 ) ( B ) for an entity to view a customers credit report without a permissible purpose, I am writing to inquire as to your alleged purpose for doing so since I did not apply or request credit from your organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater.This is informing you that this was a fraudulent application and I did not authorize your company to pull my report. I do hope that we can settle this matter amicably. Please remove this hard inquiry from my credit report upon receipt of this letter to avoid further damage to my credit. Your immediate attention is appreciated in regards to this matter.
Product: Checking or savings account

Cashapp blocked my account due to suspicious activities. I was asked to contact them to have them give me access to their account. Ive contacted them numerous time and they give me an automated message that my account is being worked on. This happened on XX/XX/25 and they have not answered me or given me any information
Product: Money transfer, virtual currency, or money service

( Account under XXXX ) PayPal fraudulently withdrew funds from my bank account for an online order, even though the last page as well as an agent from the company confirmed that the order did not go through. I then disputed the charge with Paypal under I paid another way but my PayPal account was also charged with PayPal with detailed information and supporting documentation that a XXXX XXXX XXXX could figure out that I was double charged and PayPal was the one that didnt belong charging my account. But after everything I sent them, they had the nerve to respond and request a document showing that the item was paid for using another payment method. So I sent the documents to them AGAIN, and they actually had the audacity to close my dispute, stating that the transaction was processed correctly So, in a nutshell, PayPal knew that the merchant never billed them for the order, but they still took the funds from my account anyway, and will not give them back. They are frauds.. Scam artists. And this is a serious case of consumer fraud. This is worse than consumer fraud. They straight up stole my money and they need to be punished Funny thing is, they apparently think Im going to just let this go and not report it and they wont have to return the funds as well as not get in trouble. lol
Product: Debt collection

I XXXX do not owe this company any money. Im requesting they ceast and defrain from all communication and I understand this company is a debt buyer. I do not have a contract with this company so that means they need to delete this account from my credit report per fcra law. Delete ASAP.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am making this complaint against XXXX, Experian, and XXXX. 15 U.S.C. 1681 section 602 ( A ) states I have the right to privacy. I have just recently tried building my credit and have just seen my full report for the first time and there are accounts on my credit report that are inaccurate and in direct violation of 15 UL.S.C 1681 section 604a Section 2 states a consumer reporting agency can not furnish an account without my written instructions. I have unauthorized inquiries and fraudulent address and names that are incorrect or not associated with me and want removed from my credit report. 15 U.S.C. 1681 n civil liability for willful non compliance any actual damages sustained by consumer as a result of failure or damages ( {$1000.00} ) please remove an provide me with exact source where you received this information and an updated refit report after the investigation of these accounts are complete. I want investigation outcome to be sent to my home address. This has seriously hurt me and put me in a position where I will take any legal action necessary to get this resolved as soon as possible. I have been informed that by law you have 30 days to complete investigation. 15 U.S.C. Section 1681i ( 5 ) ( A ) states that if you cant provide proof these accounts must be removed.
Product: Student loan

I have XXXX private loans being managed through American Education Services AES. These loans are also co-signed. I have never defaulted on the payments, but my pay schedule is not in line with my due date. The begin to calling my co-signer over and over again starting the day after the due date. They rarely, if ever call me. I have over {$100000.00} in loans both private and federal and have asked AES to work with me on payments that I can afford. They reduced to the payment, I am still making {$240.00} a month payment and {$0.00} of it is going to the principle so 100 % goes to them for interest and my balance is going up monthly. The are rude to my co-signer. The calling multiple times a day. When I call them back the make threats to me. I make the payment due and within days they call saying I owe more money and that I am delinquent. I have paid XXXX of dollars a month and have still been considered delinquent. Payments are made they say I owe then fees show up out of nowhere. The are harassing myself and my co-signer. They are apply {$0.00} to my principle and therefore, my loan will never be paid.
Product: Mortgage

XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I orginally had signed a lease for 6 months at this complex but later on that day I found out that I was being laid off ( During the Financial Breakdown of 2008 ). I called the then property manager XXXX and let her know what had transpire and she agreed to cancel the agreement. Three years later I have a collection hit on my credit report of a broken lease with XXXX XXXX from Fair Collections and Outsourcing. I have never lived in this complex and I have been fighting with them to take this off my credit report.
Product: Credit reporting

Credit reporting company will not remove paid tax lien even though documentation states that it is " paid, satisfied, and ordered cancelled from record '' as of XXXX XXXX, 2015.
Product: Credit reporting, credit repair services, or other personal consumer reports

Does not give enough evidence of original debt, unable to verify consent to open account, did not show proof of Authorization or Agreement to purchase, pay for, merchandise or services. failure to investigate authenticity orginal debt, failed to provide information regarding orginal debtor information and creditor. Refusal to remove inaccuracies negative Mark 's on credit reports.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act, XXXX  Account number XXXX XXXX  Account number XXXX XXXX XXXX  Account number ( XXXX XXXX XXXX ( Experian XXXX ) XXXX FIN Account number XXXX US DEPT ED Account number XXXX XXXX  Account number XXXX XXXX Account number XXXXXXXX XXXX XXXX Account number XXXX XXXX  Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX Account number XXXX XXXX XXXX  Account number XXXX XXXX XXXX XXXX number XXXX XXXX Account number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXccount number XXXX XXXX have 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 1, states a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have made numerous attempts to reach out to XXXX XXXX  on multiple occasions : - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 - XX/XX/2023 For the past 12 months, I have been in the process of constructing my home, for which I obtained financing through a different lender. Unfortunately, XXXX XXXX  has erroneously reported two business credit cards, ending in XXXX and XXXX, on my personal credit profile. This has caused significant financial harm, as I am now unable to secure my mortgage, with the closing scheduled in just 45 days. 

Here is some background information regarding the situation : I maintain multiple accounts with XXXX, both personal and business. Throughout the past year, I have noticed excessive service fees being charged to my business checking account by XXXX. I solely use this account to make credit card payments for my XXXX business credit card. 

Initially, I set up autopay for my accounts to ensure timely credit card payments. However, due to XXXX 's persistent excessive service fees, the money I deposited into my account was being deducted to cover these fees. Despite reaching out to XXXX multiple times to rectify the issue, no one seemed to comprehend why I was consistently overcharged. This cycle persisted for months, with XXXX continuing to levy excessive fees. 

Eventually, I managed to secure an in-person appointment, during which a bank representative promptly recognized the excessive charges as the root cause of the reported " late '' payments on my personal credit report. The representative refunded the excessive bank charges and acknowledged the error. However, they were unable to rectify the credit reporting issue as it fell outside their department 's purview. 

Subsequently, I contacted XXXX Credit Reporting multiple times, only to be informed that they do not consider this a banking error. Instead, they advised me to dispute the matter with the credit bureau. According to them, the investigation would reveal the excessive charges and the removal of my account from autopay, leading the credit bureau to remove the negative reporting. This conversation was recorded on XX/XX/2023 at XXXX XXXX  XXXX, and I encourage XXXX to review the call if necessary. Given that XXXX acknowledges this as their mistake, it is perplexing why they are unwilling to rectify the negative reporting directly, without requiring my involvement with the credit bureau. 

I am currently scheduled to close on the house that I have diligently saved for over the years. However, due to XXXX 's error, their subsequent acknowledgement, and their reluctance to correct the situation, my mortgage application has been declined, jeopardizing my dream of building this home.
Product: Debt collection

I am a customer of Wells Fargo bank and am also filing a complaint against Wells Fargo Bank who refused to pay me {$940.00} in compliance with garnishment order from the US District of Maryland against a company that has a checking account at Wells Fargo Bank named XXXX XXXX XXXX. The background on the garnishment order is that XXXX XXXX XXXX violated XXXX XXXX and after I blew the whistle on them in XXXX I won the case at OSHA where it was heard, and the Secretary of Labor ordered XXXX XXXX XXXX to pay me a sum well over {$28000.00} but XXXX XXXX XXXX didn't pay me anything so I began collection proceedings in the US District Court in Maryland and received a judgement in my favor of {$36000.00}. I then applied for and received the attached garnishment order that I sent to Wells Fargo Legal Order Processing, their number is XXXX case number XXXX but unfortunately XXXX XXXX XXXX only had {$940.00} in their Wells Fargo checking account at the time. Wells Fargo Bank froze that amount but did not send me anything claiming I needed a second document signed by The US District Court of Maryland called a pay out order. My attorney says that it is not feasible or legally necessary to get a document called a pay out order signed by a Federal judge and all Wells Fargo Bank needs is the payee, me, and a validated garnishment order. This back and forth has gone on for months since Wells Fargo Legal Order Processing received the garnishment. I am filing this complaint because I need you to step in and speak to Wells Fargo about the legality of their actions because it appears that they are not in compliance with a Federal court order. Thank you.
Product: Credit reporting or other personal consumer reports

Equifax needs to remove these identity theft inquires. I provided proof from company I have business with reporting a data breach where my information was stolen. Equifax has done an investigation and AGREED with me that these accounts should be removed. To this date they still have not been removed. These inquiries are : XXXX XXXX XXXX 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

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Accounts : XXXX XXXX XXXX XXXXXXXX XXXX XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Debt collection

XXXX credit bureau issued a collection debt on my credit report for {$540.00}. I called customer service and was told that somebody opened a debit account in my name, used it to make a bet in " horse racing '' for XXXX XXXX XXXX then immediately closed the account after placing this bet. This charge happened in XXXX, I am currently a XXXX  resident. I have never made any bets in horse racing and am completely unaware of how this could have happened. The lady said my identity had to of been stolen for this to happen due to it being a bank account that was used and not a credit card.
Product: Credit reporting, credit repair services, or other personal consumer reports

Certified letters were mailed to TransUnion, XXXX  & XXXX on XX/XX/2021, to address unauthorized fraudulent information being reported on my credit report. No response 60+ days later.
Product: Credit reporting, credit repair services, or other personal consumer reports

unauthorized payments by an unknown person. 

Was unaware of the payments u till now
Product: Credit reporting or other personal consumer reports

I am submitting this complaint to request the immediate removal of an unauthorized account that appeared on my credit report due to identity theft following the Equifax data breach. The account in question is listed as XXXX XXXX XXXX ( Account Number : XXXX ). 

Under FCRA 605B ( 15 U.S.C. 1681c-2 ), I am entitled to the deletion of any fraudulent account or information resulting from identity theft. I have submitted all required documentation, including an identity theft report and supporting affidavit, proving that this account was fraudulently created and does not belong to me. 

This unauthorized account has caused significant harm to my credit report and financial well-being. I respectfully request immediate action to remove this account and restore the accuracy of my credit report.
Product: Credit reporting or other personal consumer reports

Currently, you are reporting inaccurate and incomplete information in regards to the below noted medical account ( s ). I demand that you contact the accuser ( s ), as I have already done, and demand a validation of the debt ( of course they can't provide the statement at this time ).

Fact is, the alleged account ( s ) is ( are ) being illegally reported on my credit report. Previously, I have formally contested it directly with the supposed creditor and collector alike to no avail as they seem content on ignoring lawful reporting and/or collection requisites in regards to their illegal reporting, and have not received any satisfactory replycertainly nothing substantiating the claim nor remotely resembling a physically verified item of truth, correctness, and validity.

Much less a grain of hope that it is factually compliant to its mandatory certified XXXX XXXX format reporting standards! Since they can not or will not provide an itemized statement for the services, they are clearly in violation of the FCRA and FDCPA.

Please complete your investigation of this item of misinformation and remove it because the provider can not validate the information you are reporting on my credit report. REMOVE the following suspect repossession allegation ( s ) immediately and permanently.
Product: Credit reporting or other personal consumer reports

Summary of Violations Committed by Equifax Unauthorized Furnishing of My Consumer Report ( 15 U.S.C. 1681b ) Equifax illegally shared my credit file without my explicit written instruction or permission, violating federal law.

No lawful purpose was established for reporting or distributing my information, which constitutes an unlawful breach of my privacy rights.

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) Equifax continues to report inaccurate, incomplete, and unverifiable information that is damaging my creditworthiness.

The company has failed to provide any meaningful method of verification, opting instead to parrot data furnishers without proper investigation.

Negligence and Lack of Proper Reinvestigation Procedures ( 15 U.S.C. 1681i ( a ) ( 7 ) ) I submitted a dispute under Credit File Confirmation # XXXX on XX/XX/XXXX, demanding verification of certain accounts. 
Instead of conducting an independent and thorough reinvestigation, Equifax relied on unverifiable data from third-party furnishers. 
XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXX Cir. XXXX ) sets a precedent that merely parroting furnishers is not a valid reinvestigation, yet Equifax continues to ignore this legal standard. 
Compromised Data Integrity Due to XXXX Equifax XXXX XXXX ( Engagement # XXXX ) Equifax has already confirmed that my personal data was exposed in its XX/XX/XXXX data breach, Engagement Number XXXX. 
Despite this breach, Equifax has failed to take the necessary precautions to prevent the misuse and unauthorized distribution of my information. 
Given this history, Equifax 's lack of proper data safeguards directly impacts the reliability and accuracy of my credit file.
Product: Debt collection

On XXXX XXXX I was notified by my financial institution, Bank of America, that my account had a lien placed on it by XXXX, XXXX, & XXXX, XXXX ( debt collection firm ) due to a outstanding credit card debt. My bank account was frozen and {$1400.00} was seized. On XX/XX/2022, I received written communication in the mail from the bank ( see attached ), which stated that I owed {$3400.00}. On XX/XX/2022, I contacted XXXX, XXXX, & XXXX, XXXX, via telephone along with my mother, who provided them with her banking ACH information to do an electronic funds transfer in the amount of {$3400.00} from her checking account. Prior to making this payment, I was told by XXXX XXXX, ( a representative of XXXX, XXXX, & XXXX, XXXX ), that once the {$3400.00} payment was made, they would refund the {$1400.00} to my checking which had been previously seized and placed in an escrow account. As of today, XX/XX/2022, the funds have not been placed in my checking account nor has my bank account been restored for me to use. On XX/XX/2022, I walked into a branch of the bank to discuss this matter with Relationship Manager, XXXX XXXX, to whom I provided a document stating that I had paid XXXX, XXXX, & XXXX, XXXX the amount owed of {$3400.00}. Still, my checking account has not been restored nor have I received my {$1400.00}. I have sought legal counsel who has emailed and faxed the bank representative, however, I still have not gotten anywhere with this. 

Your assistance in this matter is much needed and will be greatly appreciated. Should you require any additional information, please feel free to contact me via my cell phone, email or USPS. 

Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have tried disputing XXXX XXXX XXXX  with 2 of the credit bureau and they are not listening to my concerns. XXXX XXXX XXXX will not send me the detail of the charges or the contract or lease. They have also put 2 accounts on my credit report which is unfair and making my credit suffer. XXXX and XXXX how can I have 2 accounts. 

When I contacted XXXX XXXX XXXX XXXX stated I only owed XXXX so how did XXXX XXXX come up with so much. I want these accounts delete.
Product: Student loan

Sallie Mae has been harassing myself and my co-signer with phone calls all day, on our cell phones and work phones. Yesterday I received 5!! Co-signer got 6. Its all day long. Getting in trouble at work for our phone continuously going off.
Product: Debt collection

A few weeks ago I got a call from the XXXX XXXX XXXX XXXX collections. I have no medical debt that I know of. Although my name matches their records, they confirmed that my birthdate did not match their records. We also established that I did not live at a XXXX XXXX, CA address. I was told that the information discussed would be noted, and I expected that I would not be getting more calls. 

This evening I got another call from the same company. I let them know that I thought that I would be removed from their call list since I am not person they are looking for. I gave them my birthdate again and XXXX confirmed that my birthdate did not match their records. But, instead of telling me that this issue was resolved she told me that my phone number was the one that was given, that they do not remove numbers from the call list, and good luck. 

Since this is not my debt, I did not ask for the date or about the amount owed.