23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

On XX/XX/XXXX my wife received a call from XXXX XXXX XXXX advising that they were in the processes of bringing legal action against me for a debt from XXXX. They claim that the original creditor was HSBC and I owed {$650.00}. They also claim that the last payment made on this account was XX/XX/XXXX for {$200.00}, however I do not even recall applying for a credit card from HSBC. My wife asked them to provide a court filing # so that we can research and the representative told her that the litigation was pending. We have received calls from this company in the past and they had threated to sue me in court for said debt. My wife asked them to provide a copy of the payment history that they claim exists, however the representative stated she didn't have one in their records. I am frustrated with all the threatening phone calls. My wife requested more information be emailed to her and I attached the document they sent to her in this complaint. The address they have for me is over 10 years old so I have never received any correspondence from them. I wrote up a Debt Validation Letter that I am mailing out to their company today as well. I attached a copy of that for your records. The company name is XXXX XXXX XXXX ( Website - XXXX XXXX XXXX XXXX XXXX ) - Address : XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX
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 : # XXXX, XXXX XXXXXXXX XXXX XXXXXXXX : # XXXX, XXXX, XXXX XXXXXXXX : # XXXXXXXX XXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX : # XXXXXXXX XXXX XXXX : # XXXX, XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX : # XXXXXXXX XXXX  : # XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX 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.
Product: Debt collection

Resurgent Receivable LLC Opened : XX/XX/year> Balance : {$1600.00} ( COLLECTION ) In accordance with the Fair Credit Reporting act. This account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681, 15 USC 1692c, and 15 USC 1692g ( b ). 
This company RESURGENT CAPITAL has violated my rights I do not have a contract with this company or did i sign any agreement. THIS IS A EXTORTION. 

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. 

-Someone used my information to retrieve products from this company without my consent. This account is unauthorized/ unverifiable and also not validated legally.
Product: Checking or savings account

Greetings, I have been trying to resolve these issues with navy federal now, for a long time, and they keep treating me like a criminal. I did a bankruptcy in XXXX, and navy federal was listed on default. Now, every time I log in to my account, there is a notice that they are flagging me. I spoke with someone regarding this matter, and they told me this should not appear on my account. We are now more than XXXX years. I tried opening a new account so that I could receive my direct deposit from the VA, and they kept saying that I had a balance that was owed to them when it was due to fraud, and I had to file a police report, complaint with CFPB and spoke with them in regards to that matter. 
Now, this company claims they only serve military individuals and their families. Still, I know that they have civilians with open accounts with bad credit and bankruptcy, I have proof, and I have some of these individuals ' names. And yet we, as the total and permanent XXXX veterans, are being denied services. 
I am upset about the injustice and the double standard this bank is showing to military individuals. I have been banking with penfed and vystar, and they have been perfect to me and the reason why i am filing another complaint is to remove those negative account in my profile and allowing me to open an account when i want and that i have the right and eligibility as a XXXX veteran to do so. 
They will write backj to the cfpb, that they did their due dilligence and that i should call so and so for more questions. WOW really navy federal?
Product: Credit reporting or other personal consumer reports

Notified by XXXX XXXX email alert on XX/XX/2024, that new hard credit inquiry was reported to them via XXXX 's response to initiating requestor, Barclay Bank. We have no current or prior relationship with Barclay Bank or its affiliated financial partners, and at no time past or present did we attempt to obtain credit from Barclay Bank. Obviously, party ( ies ) posing as my wife and/or I were fraudulently attempting to obtain a loan, BarclayCard, or other credit from Barclay Bank for their own purposes. Unauthorized inquiry information was provided by credit reporting agency XXXX, but possibly to other such credit reporting agencies. In turn, XXXX provided XXXX XXXX with the fraudulent hard inquiry data which in turn was reported to us via email alert from XXXX XXXX. 

Phoned Security Department of Barclay Bank, and confirmed with phone agent that they had indeed initiated the hard inquiry, but as the loan or credit card request was denied, Barclay Bank would be unable to take any further action or provide additional information.
Product: Credit reporting or other personal consumer reports

XXXX turned me down because they said TransUnion gave them the following reasons. When I contacted TransUnition, they said they XXXX turned me down because of one of these general reasons. WHAT IS THE REASON AND WHY IS TRANSUNION giving XXXX reasons that don't apply to me???? If I knew exactly why, I would try to fix it but this is going around and around. 

XXXXXXXX XXXX reasons : Time since most recent account opening is too short DOES NOT APPLY TO ME- I opened my XXXX XXXX in XXXX  Length of time revolving accounts have been established DOES NOT APPLY TO ME- I no longer have a revolving account, paid off Too few accounts currently paid as agreed DOES NOT APPLY TO ME, I only have one account and have paid it on time Proportion of balances to credit limits on bank/national revolving or other revolving accounts is too high DOES NOT APPLY TO ME, I DON'T HAVE A BALANCE on my XXXX XXXX XXXX! 
Number of inquiries on credit report I APPLIED TWICE FOR XXXX XXXX WHICH INCREASED INQUIRES ( they told me to reapply!!!! )
Product: Checking or savings account

i cant use my online axcess i tried pay with XXXX wellsfargo will not answer phone.
Product: Credit reporting, credit repair services, or other personal consumer reports

This was a misunderstanding. It was supposed to be an automatic withdraw from my account. I called numerous times to rectify the situation was and it was never done.
Product: Mortgage

my mortgage just increased by @ {$500.00}. When I contacted the mortgage company they said it was because my homeowners insurance went from {$3500.00} to {$7200.00}. So I contacted my insurance provider XXXX XXXX, XXXX confirmed that that was correct, but they also stated that the payment has not been made and that the policy has been canceled. So, If they have not paid my homeowners insurance where is that money that they are now charging me for going? And, now I have no homeowners insurance. My mortgage company is PHH Mortgage. Also dealing with them on the phone is a nightmare as I am transferred from one person to another and no one is able to answer my questions as to where that {$7200.00} is going. Did they find another insurance company and if so I have not received a declaration page or any other confirmation that I even have insurance.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been making on-time payments to XXXX since XX/XX/XXXX through auto pay from checking account. 
When COVID-19 affected me in XX/XX/XXXX, I requested XXXX   to stop auto-pay since I was severely affected but XXXX still tried to process and take money form my bank account which did not have any money in it. I again contacted XXXX and requested for a relief that was granted but XXXX still reported late payment to credit reporting agencies. I contacted XXXX and asked why they reported late payment to agencies, the rep said it was not reported late which was a lie. My credit score dropped by 72 points and my Department of Educations ' Parent Plus Loan was denied.
Product: Debt collection

On XX/XX/year> seen a debt on my report i dispute fraud on my credit I ask for a debt validation never received a response back
Product: Debt collection

XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Collector contacted by place of work. I am unable to receive personal calls at work and was in the middle of a meeting with my boss when the second call was answered. I did get reprimanded for the second call being that it was personal and my boss was present when it was answered. The person on the phone stated that he called this number because I didnt answer my personal cell phone number. He was never given permission to call my office phone.
Product: Debt collection

After 5 years living at XXXX XXXX XXXX, and suffering from dirty water coming through the shower, and my many attempts to get this corrected even through the corporate office and they, not responding to my request. The manager decided to not renew my lease and I was ask to leave, ( and this, all because I was concerned over my health as it relates to the filthy water ) so, as requested I left. 
The next thing I knew the app asinged a fraudulent case to Hunter Warfield to collect what they are now claiming I left owning, {$2600.00} ( WHAT?? ) I owe no such thing and, Hunter Warfield has slandered me on all three credit reporting agencies, this in nothing short of fraud, illegal, defamation and I am encouraging CFPB to fine both Hunter and XXXX XXXX at XXXX XXXX XXXX XXXX dollars for their fraudulent activity against me. Futher, The app complex knew of my medical condition ( XXXX, and XXXX ) and made no effort to conciser my financial difficulties, no, instead, they harassed me into purchasing renters insurance before I had a chance to shop around for the best price. They also sought to harass me by ope
ning my garage door both while I was sleeping at night and also while I was away, all illegally. And they did this because I had told them I had some pipes that came off of a wagon my great grand father owned 140 years ago.

Therefore, because of this fraudulent activity I am filing this complaint with CFPB and I am also preparing a press release and also a law suit if they continue this erroneous and non sense activity against me.

As I have stated, these companies needs to be fined.
Product: Money transfer, virtual currency, or money service

What happened : On XX/XX/XXXX, I issued a {$20000.00} personal check from my XXXX account to my husband, who deposited it into his Citi Business checking account. The first check was mistakenly unsigned, so it was rejected, and the funds were returned to my XXXX account. I then signed a second check on XXXX XXXX, XXXX, which was accepted by Citi XXXX branch ( XXXX XXXX XXXX, XXXX, IL XXXX ). 

However, days later, I was noticed by Citi fraud prevention department that they will close my husband 's business checking account, without any specific reasons. My husband 's access to fund was blocked since then. On XX/XX/XXXX, my husband 's account was closed, and the remaining balance was gone. 

Despite repeated visits to the branch ( at least 7-8 times ) and speaking with multiple representatives on the phone, and XXXX branch 's manager, XXXX XXXX XXXX who tried to help but there has been no resolution provided. I was even asked to provide three months of my XXXX bank statements to prove that I hadnt received the refund something I complied with, despite the request being both invasive and unnecessary, since Citi should have internal records of any outgoing refund. Even after that, I received no timeline or assurance. We keep being told to wait another 710 business days, with no guarantees. 

How this has affected us : The delay in returning this fund has put significant financial strain on our family. This is not spare money it was meant for urgent financial needs. We've been struggling to cover monthly bills, our mortgage payment, and other necessary expenses while Citi continues to hold onto our money with no accountability. It has caused immense stress, disrupted our budget, and affected our overall well-being. 

What I want : I want the full {$19000.00} refunded to me immediately ( a check return fee was applied ). This situation has dragged on for far too long, and I believe Citi is mishandling the case, delaying unnecessarily, and not taking accountability. On top of that, we felt the Citi has been indifferent and unwilling to give back the money. 

Why Im filing this complaint : This has caused significant emotional and financial distress. Ive acted in good faith, complied with every request, and exercised extreme patience. Citis treatment of this matter is unacceptable. Im requesting your assistance to ensure that Citi resolves this immediately and that this type of mistreatment does not happen to others.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collections Account XXXX XXXX XXXX XXXX, XX/XX/2019 transmitted to Equifax the Collections account is to be removed. I have a letter stating the collections account was to be removed and faxed the letter also to Equifax. XXXX from Equifax acknowledged they received the letter and the account would be removed within 4 to 5 days. Equifax has not removed the account.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation to my account transactions.
Product: Debt collection

I have a collection for CBE group from XX/XX/year> for {$910.00}. According to 15 USC 1681i ( 5 ) the information in inaccurate and unverified.
Product: Debt collection

I am formally notifying you of my intention to pursue legal action against your company for repeatedly failing to address inaccuracies on my credit profile, as mandated by the Fair Credit Reporting Act ( FCRA ). Your disregard for my requests constitutes a violation of the FCRA, which grants consumers the right to accurate credit reporting. Despite multiple requests, you have neglected to investigate and correct the erroneous information associated with the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Debt collection

To whom  it may conc ern, My name is  XXXX   XXXX , I am currently having an account with  FCO, Fair Collections & Outsourcing Inc. T he amount that was delinquent was  XXXX , originated on  XXXX / XXXX / XXXX . However, the collector attempted to reage the debt to  XXXX / XXXX / XXXX , which in my understanding is at once unethical and illegal.     Please help,  XXXX   XXXX
Product: Mortgage

A mortgage lein by NFCU from 12 yrs ago is preventing me from refinancing my mortgage in XXXX. During the XXXX subprime mortgage crisis, I was able to borrow a $ XXXX as a 4th mortgage on my primary home, to be use as a down-payment for a 2nd home finance through NFCU. With home market collapse during that time, I was force to file bankruptcy and short sale my 2nd home.. It started as Chapter XXXX but eventually converted to a XXXX. Due to predatory lending practices in XXXX and XXXX, my 2nd and 3rd mortgage release their leins, but not NFCU. I contacted them several times to release the mortgage lein to no avail. According to them the lein is still valid and they wanted it paid in full from remaining equity in my house if I refinance. I told them financially this might cause me to go to bankruptcy again. PLEASE ADVISE. I read several lawsuit on NFCU.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting a debt that is fraudulent. i contacted XXXX XXXX XXXX   of which they said they have no record of my information. i want this negative item removed.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because TransUnion continues to report an account ( XXXX XXXX XXXX XXXX ) on my consumer report, despite my prior dispute. Both XXXX and XXXX have deleted this account from my credit file, yet TransUnion refuses to do so. I did not authorize, give permission, or provide written consent for this account to be reported on my consumer file. TransUnion 's continued reporting of this unauthorized account is a direct violation of my consumer rights under the Fair Credit Reporting Act, including 15 U.S.C. 1681b, which restricts the furnishing and use of consumer reports without proper authorization. Additionally, TransUnion is in violation of 15 U.S.C. 1681i for failing to conduct a reasonable reinvestigation after my dispute and 15 U.S.C. 1681e ( b ) for failing to maintain maximum possible accuracy in my consumer report. Under 15 U.S.C. 1681n and 1681o, TransUnion is liable for both willful and negligent noncompliance with the FCRA, entitling me to statutory damages of up to {$1000.00} for non-willful violations. This inaccurate and unauthorized reporting is harming my creditworthiness and financial standing. I demand that TransUnion immediately delete this account from my consumer report and take corrective action to ensure compliance with federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting everything on my credit report has to be 100 % accurate. 
The Credit bureaus stated my account was properly investigated but how can that be possible when the balance on the count mentioned below is not accurate. This is grounds for immediate removal of this account from my report. Also, for the following reasons, my rights have also been violated : 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, states a consumer reporting agency can not furnish an account without my written instructions.

15 U.S.C 1681 c ( a ) ( 5 ) 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.

Also, the credit bureaus took more than 30 days to complete their investigations..

Please find attached tracking numbers for certified mail. 

Equifax- XXXX Account XXXX also- XXXX Original creditor- XXXX XXXXXXXX XXXX XXXX Account number- XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tracking- XXXX Account number- XXXX Original creditor- XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I check my credit report and notice some things that does not belong to me. These accounts are stopping me from buying my dream house. The account listed below is not mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

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: Mortgage

My mortgage was sold by XXXX to Nationstar Mortgage. I went in to make my payment online like I do every month only to find that they charge a fee of {$9.00} if the payment is made after the XXXX of the month. I have never been charged a late fee by XXXX if the payment was made before the grace peiod.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XXXX XXXX The Credit Bureaus stated XXXX XXXX XXXX XXXX XXXX Account XXXX was properly investigation 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 is ground for removal. They also violated my rights under U.S.C 1681 section 604 A Section 2 : The law clearly states a consumer reporting agency can not furnish an account without my written instructions.

I haven't given these accounts written permission to furnish these accounts on my credit report.

U.S.C 1681 section 602 A : States I have a right to privacy.

U.S.C 1681i ( 5 ) ( a ) ( i ) ( ii ) Therefore this account was not investigated properly .... This information needs to be removed immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : FLAGSHIP CREDIT ACCEPTAN XXXX. XXXX   XXXX XXXX, TX XXXX XXXX : TO REMOVE INACCURATE INFORMATION ON MY CREDIT REPORT TO WHOM IT MAY CONCERN : I OBTAIN A COPY OF MY CREDIT REPORT AND FOUND THE FOLLOWING TO BE AN ERROR. 
HERE AS FOLLOWS ARE THE ITEM IN ERROR : CREDITOR NAME : FLAGSHIP CREDIT ACCEPTAN DATE : XX/XX/2018
Product: Credit card

I've consistently maintained timely payments on this account, ensuring they're never overdue. I'm uncertain why there are late payment remarks on my accounts. Under 15 USC 1666b, billing errors should be rectified.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the accuracy of the information reported for this account on my credit report. The balance and the charge-off status are both incorrect. This account was fully resolved, and the information being reported is erroneous. I respectfully request a thorough investigation into this matter and the immediate removal of this inaccurate information from my credit file.