23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Lender : Navy Federal Credit Union ( NFCU ) Loan Number : XXXX I submitted a complete application for a home equity loan and based on the letter I received the application was submitted on or before XX/XX/2020. The letter I received shows my new loan number and explains I have the right to receive a copy of the appraisal and is one of the attachments here. On XX/XX/2020, I called NFCU to find out the next steps towards the process, and the representative confirmed that my application was being processed, but due to the high volume of applications I might not hear from them until the following week. 

On XX/XX/2020, I called NFCU again, and I was told that my loan was denied because they decided not to process any more applications for my type of loan and that decision was made on XXXX My complaint ( s ) are : 1 ) Why did NFCU accept my application if they were no longer offering the product I applied for? 2 ) Why did the NFCU  representative on XX/XX/2020 confirm that my application was being processed and not mention that my loan was being denied if the decision to suspend loans had already been made? Why did he ask me to call back in a week? 3 ) Why does the NFCU web site specifically state that in regards to the suspension of loan applications " This update doesn't affect applications that have already been submitted. '' 4 ) Why did NFCU never contact me to let me know they were changing direction with my application? and finally 5 ) Why is NFCU infringing on my rights under the Consumer Credit Protection Act to have access to financial products just like other people with similar qualifications? 

Attachments : Letter regarding right to receive a copy of the appraisal dated XX/XX/2020 Screen shots from the NFCU web site indicating my application was submitted and is complete. Also a screen shot of the loan suspension announcement indicating there is no impact to applications already submitted.
Product: Mortgage

Owen took my mortgage from GMAC when they did they took all the supposed late payments from them and and added it to the new transaction. I went through the Unemployment while that went on for 5 to 6 months. In at this point I went through a Loan Modification and that is when XXXX took over and I was never late with GMAC not XXXX time. I did n't know it would affect my mortgage history. I was never late with my payments. Not to GMAC or XXXX.How can they do this saying I was late? I had XXXX before and had trouble with them before and thank the good guy GMAC to it over. Being that late do n't you thing I would have lost my house I am still at the same address. XXXX I was diagnose with XXXX XXXX and went through many surgery 's and that is why I got help from GMAC.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies accessed my credit report without my permission or knowledge : XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX I reached out to each company listed above and was told to contact the credit bureaus to file disputes.
Product: Credit reporting, credit repair services, or other personal consumer reports

I told XXXX, transition and XXXX to investigate this account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX however they stated everything was complete and accurate.but how is that possible ion the open date date of last activity and much more is incorrect. According to 15 usc 1681 ( 5 ) they are supposed to modify accounts that are not reporting correctly.

15 u.s.c.1681 section 602 A. state I have the right to privacy 15 u.s.c 1881 section 604 a section 2 : also states a consumer reporting agency can not furnish a account without my written instructions 15 u.s.c. 1681 section 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any adverse item of information, other than record of convictions 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 cause to believe that the information is inaccurate.

also they are not in compliance with metro 2 credit reporting.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to do verification in everything in my credit report and they did and they stated that everything was accurate. I did thorough research myself and found improper inaccuracies on my credit report even after they did the careful research. 

In accordance with the Fair Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions.
Product: Money transfer, virtual currency, or money service

XXXX XXXX XXXX XXXX XXXX XXXX. 
XXXX, La XXXX They have been calling My Husband and My Phone since last XXXX. They are claiming that I have cashed a check from them for {$2500.00}. 

I have never done business with them. Never cashed their checks. 

Please help stop the harassing calls. 

Please do not give them any of my contact information. 


XXXX XXXX XXXX XXXX
Product: Checking or savings account

I received a notification on XXXX that my SoFi account ( checking and saving ) was restricted without given an explanation and was given a number to contact SoFi. I contacted them on on XXXX to inquire and have not been given any information regarding the restriction nor timeline when the restriction would be lifted.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was erroneously charged multiple fees to my   XXXX   XXXX   store card account beginning in  XX/XX/XXXX  ; no other balance was held on my card and my account is now being reported as delinquent based on the multiple fees posted to my account. I paid off my   XXXX   XXXX    account in  XX/XX/XXXX , or at least I was under the impression that I had paid off my account ; however, due to   XXXX   XXXX   billing cycle, I had a remaining balance of {$3.00} that was paid on  XX/XX/XXXX . The first fee I incurred was on  XX/XX/XXXX for {$27.00} ; that fee was a returned check fee. The balance that I paid of {$3.00} was never billed to my account again because it was paid. I also never received a bill for the returned check fee. On  XX/XX/XXXX , I was charged another fee in the amount of {$27.00} as a late charge for the previous returned check fee. I also incurred a {$2.00} finance charge for the fee. Once again, I did not receive a bill for the fees and interest charged as a result of those fees. On  XX/XX/XXXX  I was charged another late payment fee in the amount of {$37.00}, and on  XX/XX/XXXX , a second interest charge of {$2.00} for the fees. At that point, my account had a balance of {$95.00} that was entirely associated with fees.
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I was finally notified the week of  XX/XX/XXXX via autodialed calls multiple times per day that my account was in a delinquent status. At that time I attempted to speak with a representative, but no option was provided other than to pay through the automated dialer service. On  XX/XX/XXXX  I called   XXXX   XXXX   store card customer service and was connected with a representative outside of the U.S. I asked to be transferred to a representative in the U.S. that would better understand what I was stating about my account, but was told that option is not available. Additionally, the representative I spoke with assured me that no negative information had been, or would be reported to the   XXXX   credit bureaus. That was a lie ; I checked my reports and my score has dropped dramatically due to   XXXX   XXXX   reporting my account as 30 days delinquent for the erroneous fees that I was being charged. The representative that I spoke with on Friday removed all fees from my account and stated that my balance would now be correct and reflect a {$0.00} balance. He also repeatedly stated that I should not worry as my account had not, and would not, be reported as late to the credit reporting bureaus. That was a completely false statement.
Product: Credit reporting or other personal consumer reports

in accordance with the fair credit reporting act account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

15 u.s.c1681 section 602 A.STATES I HAVE THE RIGTH TO PRIVACY.

15 u.s.c1681 section 604A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTTEN INSTRUCTIONS.
Product: Credit reporting, credit repair services, or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment 605, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX  XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX ( Original creditor : XXXX ) XXXX Balance : {$390.00} ; XXXX XXXX  ( Original creditor : XXXX XXXX ) XXXX Balance : {$490.00} ; XXXX XXXX XXXX ( Original Creditor Name XXXX XXXX XXXXXXXX ) XXXX Balance : {$2100.00} ; XXXX XXXX XXXX Inquiry : XXXX XXXX, 2022 ; XXXX XXXX Inquiry : XX/XX/2022.
Product: Credit reporting, credit repair services, or other personal consumer reports

NOTE : This is a CHALLENGE as I am NOT DISPUTING. 
I am always checking for mandatory compliance and am fully aware of the CFPBs enforcement capabilities with furnishers who are non-compliant with the Law, specifically when it is injurious to a consumer. I am requesting a MANDATED COMPLIANT Metro 2 format reporting to be presented with a CERTIFICATE of COMPLIANCE demonstrating that the accounts are entirely true, accurate, complete, timely, of documented ownership, of undoubted responsibility, and documented through testimonial through that certificate of COMPLIANCE making undeniable lawful standing of the claim.

Per Law any deficient or substantial and evident matters of facts would be unethically reported and even illegally reported based on several laws that the CFPB has jurisdiction over. With that said, to retain such injurious, inaccurate, non-compliant and harmful items is an infraction to these laws as per mandated compliance. 
The items attached are non-compliant as per the FCRA and CDIA requirements!
Product: Checking or savings account

XX/XX/XXXX I was informed by my banking institution that they received a deposit of XXXX and they can not send the fund back to my payroll provider or upload the funds to my account they did receive a test deposit on XX/XX/XXXX on XXXX cent from my payroll provider I have contacted my banking on the XXXX, XXXX, XXXX, and XXXX and they told me all they can do is escalate this matter to their back office. I have the trace number for this ach transaction and direct deposit the trace number is XXXX the ticket number that my banking institution provided is XXXX
Product: Credit reporting or other personal consumer reports

This CFPB complaint has been filed pursuant to FCRA 605 ( b ). That you the consumer reporting agency shall block the furnishing off all information resulting from identity theft. All these accounts and hard inquires listed on my consumer report are all fraudulent and were not initiated by me. There are 2 accounts that are fraudulent these accounts are the XXXX XXXX XXXX tradeline for an Auto Loan and A collection account by XXXX XXXX XXXX XXXX. There are 3 fraudulent inquires as well that were initiated by 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

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXX Date Opened : XX/XX/XXXX {$1300.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXD XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00}
Product: Debt collection

This is my 3 complaint and request to R.A.Rogers. PLEASE RESPOND VIA CFPB AND OR MY EMAIL. This company can not provide the information Im asking for this is why they are sending me things in the mail. Its also Mail fraud if you continue I will report you. If you cant provide everything the law requires please cease and desist!! I have attached proof that Identity Theft and fraud has been committed 2 of the same contract and only one is correct I do not owe XXXX XXXX XXXX  any thing and I most definitely do not owe R.A.Rogers. I have every right to file a lawsuit against XXXX and R.A.Rogers. This company can not show they have Notice 15 USC 1681b permissible, purpose. 15USC 1681q ( 3 ) I did give Authorization to give or use my ID information for any reason to R.A.Rogers or SECU. Neither of these Companies has sent me a true negotiable bill the statements i have received is Mail fraud. Pursuant 15USC 1681a ( 2 ) if I at anytime opt in I am opting OUT!
Product: Checking or savings account

Hello. My account is closed on XX/XX/2023. But I didnt receive any cashier check for my balance. I called a lot of customer service and never get real answer .I went to branch many times tooI need the fund to pay my house payment. I have already late pay for my house payment. I need help for the cashier check.
Product: Credit reporting or other personal consumer reports

Some applied for account with out permission and inquiry came on
Product: Debt collection

I have mailed two certifed letters to Receivable Recovery Services , LLC requesting Validation of Debt and HIPAA authorization. RRS has responded to my letters twice but have failed to provide me with the requested information validating this debt. They have ignored my requests, yet this debt still shows on my credit report. I don't know how they are able to just ignore my request and violate the law as they have done. 
I have also sent a certified letter to XXXX, in which they stated they verified that this debt is mine and is being reported correctly, however during the verification process they still didn't send me anything with my signature to prove that they debt was mine. The debt is in the amount of {$190.00}. My questions to XXXX  are : Where are the documents that you used to verify these accounts? What is the name of the person in your company who verified these accounts? What documents did they use to verify them? Please provide me with the name of that individual, their business address, and telephone number. 
Blacks Law Dictionary, 9th Edition, 2009, defines Verify as, 1 ) " To prove to be true ; to confirm or establish the truth or truthfulness of ; to authenticate. '' 2 ) To confirm or substantiate by oath or affidavit ; to swear to the truth of. '' and Verification as, Confirmation of correctness, truth or authenticity, by affidavit, oath, or deposition. Affidavit of truth of a matter stated and object of verification is to assure good faith in averments or statements of a party.
Product: Mortgage

We were offered a Forebearance agreement, as my wife lost her employment due to Covid and I am on an altered salary from a XXXX XXXX XXXX Our Forebearance ended effective XX/XX/2022. My wife had just received employment XX/XX/2022 and we were prepared to resume making our house payments. But our mortgager stated we are only eligible for complete immediate payment, in deed of liu, short sale and foreclosure. During the forebearance it was never stipulated that we needed to pay {$55000.00} all at once. I explained that if our family had such funds, we would've paid regularly? 
I attempted to apply for the Mortgage Assistance program, but we were denied based off my wife 's XXXX which is brand new income vs the loss of income from Covid for a year and a half which affected our ability to pay our mortgage. I am appealing both decisions, but foreclosure is rapidly approaching and I have been working on this for several months, pleading and praying for a positive result, but yet yielding nothing. 
We feel alone and abandoned as we have just gotten to a good financial place, and no entity is willing to help.
Product: Debt collection

This is not my debt. It belonged to my ex-partner XXXX XXXX. The debt is from 2009. It has been paid by XXXX. The company a third party collection agency threaten me to pay a debt that one doesn't belong to me and 2 a debt that was closed in 2009 which is not even collectible. The company has placed the debt that doesn't belong to me on my credit report. I have called and replied to them to remove the collection as it is from 2009 and belongs to XXXX XXXX and not XXXX XXXX. They have people outside of the US calling me threatening me and threatening to take me to court. Account # : XXXX Current Creditor : XXXX XXXX XXXX XXXX XXXX Original Creditor : VyStar Credit Union Current Balance : {$750.00} Dear XXXX XXXX This notice is from XXXX XXXX XXXX XXXX XXXX. Your debt was previously owned by Vystar Credit Union ( Vystar ), it was sold and is now owned by XXXX XXXX XXXX XXXX XXXX. Company Information : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IL XXXX XXXX From XXXX CST, Monday to Friday XXXX  : XXXX  You may email us with your option selection. Send email to XXXX To take advantage of this offer, you must confirm acceptance of an offer within 15 days of the date of this letter. XXXX XXXX XXXX XXXX XXXX is not obligated to renew these offers. Make your check payable to XXXX XXXX XXXX XXXX XXXX. Include the reference number XXXX Payments, Correspondence, or Complaints may be sent to : XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, IL XXXX or XXXX You may call us to discuss which option is best for you.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have called & mailed letters to XXXX XXXX Experian about XXXX accounts ( XXXX & XXXX ) that is being reported on my credit file that I have late payments on a charge off account. Both the " charge off '' and the " late payments '' reporting are inaccurate and have caused me extreme difficulties my everyday life. I have made several attempts to remind them of their duty of code 15 USC 1681a ( d ) which states as a consumer I am due, promised accuracy & fairness on my credit report based on federal law. per 15 USC 1666b late payments are illegal so are late payments. Per the IRS publication XXXX of debt are to be reported as income on on form 1099C. So why is income being reported on my credit report. a company can not report both income and a debt, I request them to remove these 2 accounts or update good standing as it is still reporting inaccurately. Plus all remove all old address my one and only address is XXXX XXXX XXXX, XXXX, NJ XXXX also to remove from my file any inquiry that is not attached to an open account.
Product: Credit reporting 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. 

Account # XXXX DEPT OF EDUCATION/XXXX Balance {$3500.00} Acct # XXXX DEPT OF EDUCATION/XXXX BALANCE {$6600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$2900.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1600.00} Acct # XXXX DEPT OF EDUCATION BALANCE : {$1300.00} Has Violated my rights. 15 USC 1681 section 602 A. States i have the right to privacy. 15 USC 1681 section 602 A section 2 : it also states a consumer reporting agency CAN NOT furnish a account without my written instructions. 15 USC 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I am writing to formally dispute the consistent existence of inaccurate and fraudulent accounts on my credit report. After reviewing my credit report, I have identified several accounts that I have no knowledge of, and they appear to be the result of fraudulent activity. I have previously disputed these accounts, yet they persist on my credit report without valid proof or verification. 

Account Information : XXXX XXXX XXXX XXXX XXXX XXXX XXXX PLEASE DELETE!!! 
I want to emphasize that I have no knowledge of these accounts, and they are likely the result of identity theft or fraudulent activity. I previously disputed these accounts, but they remain on my credit report without proper validation. I have taken the necessary steps to report the fraudulent activity to the authorities. 
I kindly request that you conduct a thorough and immediate investigation into the validity of these accounts in accordance with the Fair Credit Reporting Act ( FCRA ). I understand that the FCRA mandates a timely resolution of consumer disputes, typically within 30 days.