23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

On XX/XX/XXXX, I contacted Navy Federal Credit Union to inquire about my payment due in the amount of {$750.00}. I was informed that I missed a payment, but as I was reviewing my XXXX payments online, I noticed that I didn't missed a payment. That, I had changed the dates to reflect the end of the month with the Collection Department, and they must have failed to inform the XXXX Department. I recently changed my payments at the end of the month instead of the first of the month because I received my direct deposits through Social Security which I received 4th Wednesday of the month. Again, I had arranged this payment with Collection Department. Unfortunately, the collection department may have not been communicating with the XXXX department about date changes. On XX/XX/XXXX, I made my credit card payments with Navy Federal Credit Union instead of XX/XX/XXXX ; due to my social security direct deposit. Navy Federal Credit Union XXXX department informed me that I missed a payment. I then requested to speak to a supervisor. XXXX, XXXX supervisor informed me that I should look at my transaction online. I requested for an investigation and an audit, but she said to look online instead. She was not a nice person and didn't cooperate with me based upon my request to have my payments investigated and audited. She was arguing with me on the phone, and I informed her that she should listen to the service member in order to satisfy our needs. I also informed her that when a payment is not met on a timely manner they will sent the late payments to collection department. That, I have to explain the reason for my late payments and wait till I received my direct deposit since I am a XXXX veteran and retired. On XX/XX/XXXX, I applied for the XXXX credit card, and was telephonically informed that the interest percentage rates was 3 % which is the reason for applying for the XXXX XXXX  credit card. Unfortunately, during the period I had applied the interest rate was 15.15 %. Currently, the interest rate is 16.4 %. During the government furlough, XX/XX/XXXX, I requested to lower my monthly payments. XXXX XXXX, personal management counselor assisted me, and she informed me to close my XXXX account in order to make the lower monthly payments. Apparently, she failed to inform me that closing the XXXX account could affect my credit scores. Again, after my retirement from federal civil service, I requested for a lower monthly payment, and once again the payments were lowered in order to meet my financial hardships. I believe that Navy Federal Credit Union has been unsatisfactory with their services, and I decided to close my accounts with the institution. Thus, I have had problems in the past with Navy Federal Credit Union due to their services and products. XXXX XXXX has been charging late interest fees in the amount of {$20.00} because of not making payments in a timely manner. Although, I had ask to change the dates. They are making money by charging me.
Product: Credit reporting or other personal consumer reports

I'm in the process of purchasing a car and I can not because this fraudulent information is still on my credit. I'm submitting an Identity theft report along with evidence my identity was compromised.
Product: Checking or savings account

Account has been locked up since the beginning of XXXX. Nobody has contacted me, and no check received. Whenever I call in and if Im lucky to get through to someone - they tell me that my account is still open but I cant close it. They tell me its in the process and to wait. Weeks turn to months. I call back. This time they tell my I have to speak to a certain team, yet whenever I call - nobody can ever reach this team. I want my account closed and a check sent! Cant even access statements or any of my account information because its all online - yet when your account is locked, you cant login!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello, I have disputed, called and wrote /mailed all XXXX credit companies Experian XXXX XXXX XXXX XXXX about the personal information that listed I have sent in proof of my identity & actually address to all XXXX but they are not updating my credit reports correctly my correct name is XXXX XXXX XXXX XXXX my correct and only address is XXXX XXXX XXXX XXXX NC XXXX XXXX my employer is XXXX XXXX XXXX XXXX XXXX my correct and only phone number is ( XXXX ) XXXX I would like for all other personal information listed on all 3 reports permanently removed immediately and if not removed then they should pay {$1000.00} per incorrect information listed, thank you!
Product: Mortgage

I was contacted by my current Mortgage lender Freedom Mortgage Lender NMLS ID : XXXX to do a refiance to lower my rate. I proceeded with the transaction and closed on XXXX/XXXX/2015. After the XXXX day right to recind period on XXXX XXXX 2015 the new loan was signed and funded. As of today XXXX XXXX 2015 Freedom Mortgage has not paid off my old loan with them and have now requested I pay them money to do so!
Product: Credit reporting

I have a hard inquiry from XXXX XXXX on XXXX XXXX 2014. I have been a customer of XXXX long time, at least 3 years, and I just moved to a new address and moved my services, and that does n't give them the right to make a hard inquiry on my credit report. I asked Equifax to investigate, and their response was : We have reviewed the inquiry information. The results are : Inquiries are a factual record of file access. Ifyou believe this was unauthorized, please contact the creditor. If you have additional questions about this item pleasecontact : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX AZ XXXX never gave permision to XXXX to place a hard inquiry, when I moved my services. I was not a new customer. 
I need the inquiry removed.
Product: Vehicle loan or lease

Two and a half years ago I took out a car loan with Santander Consumer, where a year ago I was diagnosed with XXXX XXXX XXXX XXXX XXXX XXXX where I was let go from my job of 6 1/2 yr as I was told by employer that we are no longer on the same path. I reached out to Santander with no prevail to allow me to change my payment amount. They refused. I utilized XXXX ( XXXX XXXX XXXX XXXX ) and XXXX XXXX ( XXXX XXXX XXXX ) to help me with bills. Upon going over my financials as needed when you apply for help through organizations it was noticed that although I have been paying Santander over {$340.00} monthly my loan amount is not budging but a fraction, and in addition the late fee 's that were being charged were double the amount of the car payment itself. Shortly after they repossessed my car as they would not work with me. I received outside aid to get my car back and having to pay quite a bit of money. Just last month they showed up in the middle of the night, never reached out to me, they simply repossessed the car again for 2 late payments, as they would not work with me. This time I did not make any attempt to get the vehicle back as I have now learned that this company is worse than a " loan shark '' - they take HIGH payments each month where your loan does not go down, charging more than double the amount of the monthly payment as a late fee, not willing to work with their clients, and in ending, after my car was repossessed they sent immediately to auction, sold it, and are still charging me along with late fee 's for the original amount of the loan and reporting it to Credit Reporting agencies, so they are now wanting to get paid monthly on a vehicle that I no longer have in my possession which has been sold at auction where they pocketed that money. Also note that they have locked my online account so I can not get into it to see what they are charging now or to provide to you my account number. I honestly feel as though this company needs to be investigated. In addition fine the following where I have now found that I am not alone as the following is over 1,095 complaints on the following site as well not counting others XXXX XXXX XXXX XXXX  I have requested an inquiry by my Congressional Representative as well. I can be reached at XXXX, I do plan on taking this to media. Thank you for your prompt attention.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with Fair Credit Reporting act XXXX  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 XXXX, XXXX XXXX XXXX, 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 an account without my written instructions.
Product: Credit reporting or other personal consumer reports

Despite my numerous attempts to address the fraudulent, inaccurate, and misleading information on my consumer report, the issue persists. These erroneous entries have severely impacted my life, causing significant XXXX XXXX XXXX. I want to emphasize that I never authorized or consented to this information being associated with my name, as I am a victim of identity theft.
Product: Debt collection

In 2004, a junk debt buyer by the name of Jormandy LLC won a judgement on me for a charged off XXXX credit account which they had purchased. The amount was about {$14000.00} which was repaid through either payments made by me or garnishments made by the company. My issue is that the company is now demanding another I {$2800.00} which I feel I do not owe. It is my contention that the actual value of the account is far less than the original {$14000.00} and that the {$2800.00} is due to fees, interest as well as other charges that the company tacked on which Jormandy LLC knew were wrong. This is to me harassment as well as extortion.
Product: Credit reporting, credit repair services, or other personal consumer reports

I'm a XXXX XXXX XXXX  returning to the XXXX after being assigned overseas for XXXX years. As I've been the victim of identity theft previously, I froze my credit around XX/XX/2020 before going overseas. Now that I'm returning and trying to get re-established in the XXXX, I've unfrozen my credit with XXXX and XXXX with no issue. TransUnion refuses to unfreeze my credit report and this has already prevented me from opening a mobile phone account with XXXX 

I created an online account with TransUnion and attempted to unfreeze my credit report through it. This resulted in an error. I then contacted them by phone and spent 30 minutes with multiple agents trying to unfreeze my credit report. Finally, they told me that my only option for them to release my credit report is to mail them hard copies of my bank statement and other sensitive ID documents in order for my credit report to be unfrozen with them. They are holding my social security number XXXX until I go to an office center, pay to use a computer, printer and copy machine, then go to a post office to purchase postage and an envelope. And only 5-7 business days after this information is received by mail will they consider releasing my credit report for use with mobile phone companies, real estate agencies, and other basic services which require credit checks.
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, XXXX XXXX XXXX XXXX XXXXXXXXXXXX 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.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: Credit reporting, credit repair services, or other personal consumer reports

I sent a letter asking XXXX, XXXX, and Equifax to investigate my accounts. Here is my case # : XXXX. It has been over XXXX  days. These consumer reporting agencies are in violation. 

According to 15 USC 1681i - XXXX, XXXX, and Equifax have XXXX  days to investigate and send me the results. 

And They also didnt even record the current status of the disputed information which is another violation. 

I have all the evidence attach below.
Product: Credit card

I sent Chase various transaction disputes in XXXX, and none appear resolved. The last status update for those occurring in XX/XX/year> appeared concealed when submitted by statement, rather than individually. Chase appeared to conceal the status of transaction disputes when the merchant had only partially refunded the amounts charged when full amounts were due. They did this by including them all in the same status update, which did involve full refunds for some of the transactions listed. However, they did this using a different case number that was only visible on the second page, not on the first, giving the impression that the case, as filed by statement and not individual transactions, was resolved. A second matter involves issuing a late fee charge on both Chase accounts when payment was timely made through phone. The automated system states that one doesn't have to call in order to have the late fee removed as long as the minimum payment is made by the due date. In other words, if a late fee is incurred within the following two business days after the due date, but minimum payment was made on the due date, any late fees that are incurred will be waived. Instead the late fees were present on my statement on four separate occasions, XXXX through XXXX. I request that they resolve this issue for XXXX in case that such occurs again. I shouldn't have to spend time calling or writing.
Product: Money transfer, virtual currency, or money service

XXXX XXXX has a cash app card I transferred {$530.00} from my personal bank account to his cash app account. Cashapp XXXX and locked his cashapp card/account the money is in limbo. This has been since XX/XX/XXXX I have sent chat messages and called XXXX  times I have been hung up on and told I will get an email when the issue has been resolved. I have sent them a copy of my license XXXX different times and they still refuse to tell me anything or unlock the card.
Product: Credit reporting or other personal consumer reports

I'VE BEEN A VICTIM OF IDENTITY THEFT. XXXX XXXX XXXX HAS STOLEN AND USED MY INFORMATION ON MULTIPLE ATTEMPTS!! THIS FRAUDULENT ACCOUNT HAS BEEN SENT TO COLLECTIONS ON XX/XX/2024, AND IS NOT MY ACCOUNT!!! SHE LIVES IN FLORIDA, I RESIDE IN XXXX, OHIO! PLEASE PUT THIS ACCOUNT IN HER NAME! SHE IS THE ONE WHO RESIDES OR RESIDED IN XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX!
Product: Debt collection

With date XX/XX/XXXX, I made a payment of {$120.00} for cell charges. Numbers XXXX, XXXX and XXXX in store # XXXX of the West of XXXX ( see Receipt # 1 ) On XX/XX/XXXX, I went in store # XXXX of XXXX to transfer the Cell number XXXX and XXXX for XXXX XXXX XXXX , explaining to Sale Rep. that the line XXXX was not going away to use any more. 

The day XX/XX/XXXX, 16 days after I made the change of the numbers to XXXX XXXX XXXX, I went again in the Store # XXXX of XXXX and made a payment of {$110.00} ( See Receipt # 2 ) I received a notification from XXXX that Cell line XXXX was delinquent and had to pay a penalty, so I went to Store # XXXX again on XX/XX/XXXX making a payment of {$100.00} for this line that did not it had not been used or had charged minutes ( See Receipt # 3 ). Again I told the XXXX Representative that that line was not in use, he replied that I need to call at XXXX. I made the call and talk to the Representative named XXXX XXXX # XXXX canceling the completed cell ending XXXX. 

After having made all the payments explained, I am notified by XXXX Credit Alert that I had reports on my credit for delinquint. ( Potentially negative information has been posted to your Credit Report ) .I suppose this was the reason for the denial of credits to which it applies. This did not stop and they kept on sending collection notification to the credit bureaus and phone calls to me, by those Agencies : A.- XXXX XXXX XXXX B.- RECEIVABLES PERFORMANC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX XXXX, WA XXXX PH : XXXX PH : XXXX and the last report was on XX/XX/XXXX. 

I was several times in XXXX XXXX and I made phone calls to the offices of XXXX to complete this problem and they continue with this abuse harassment since XX/XX/XXXX. 

I consider myself a citizen complying with the laws and with a record of good moral behavior in the 33 years I have been living in the country, with a good credit record that they are affecting. 

For this reason I demand that my credit be repaired by XXXX and those agencies and leave this abuse of harassment. 

Thank you Note : Attached a 3 XXXX  receipt cc.
Product: Debt collection

Account name : XXXX XXXX XXXX Account number : XXXX Account type : Debt Buyer Responsibility : Individual Date opened : XX/XX/2022 Status : Collection account. {$2.00}, XXXX past due as of XX/XX/2022. The information is inaccurate. XXXX XXXX is unable to produce authentic proof for loan obained by me. Yet they are not correcting the issue. Nor is XXXX who has negatively impacted my credit report fixing it. Fact is, I have not taken any loan from this creditor or original creditor who sold the debt to XXXX. They both are pointing fingers to each other for the responsibility, but I am being hurt by them illegally and due to no fault of mine. Both parties ( Credit Ninja and XXXX ) are acting irresponsibly hurting my credit score and credibility for no involvement of mine, I am not a party to this debt. I never heard or had any bank or financial transactions for this reported account at any of my banks or institutions. Nor did I ever applied or received the debt. Both these companies have or made no effort to collect this debt from me. I challenged it to both of them so many times. Neither are they providing proof, nor collecting. Straight reported to credit beureo. If it is genuine debt, why are they not contacting me? XXXX is victimizing me. As a result, my applications for Credit card are being denied due to XXXX 's illegal reporting of debt on my account. I would like to amicably resolve this and get off my credit reports from 3 beureus. Otherwise I will have to exercise my right to sue XXXX and Credit Ninja at a court near to me.
Product: Payday loan, title loan, personal loan, or advance loan

Meet all requirements but was still denied with a generic reason
Product: Credit reporting or other personal consumer reports

The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent an
d willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have advised the company over and over again that the below accounts are reporting inaccurately- Equifax  advised  that the information came back verified to me. I asked method of verification and have yet been provided that information. I also informed Equifax that the other  2  bureaus have deleted the following accounts due to reporting inaccurately on my credit report and not showing my true credit report. i also included proof when i sent this information over to them. Equifax stated that  XXXX   XXXX  verified my name dob & address when that is infact incorrect- They have a complete different name and address/ address that i never lived at or heard of this person. Documentation was sent over to them confirming per frontier that was provided that the account was open fraudulently with my ssn!  XXXX   XXXX   XXXX  has been removed from both credit bureaus due to reporting inaccurately the balance is 100 % incorrect and has not changed for 2 years & is completely incorrect and is now reporting late when the account is not THIS NEEDS TO BE REMOVED ASAP!!   XXXX   XXXX       XXXX   were both deleted from the other credit bureaus for reporting inaccurate information as well.. the accounts were never paid late!! Due to reporting inaccurate information on my credit report EQUIFAX is completely incorrect and needs to reflect my TRUE credit report!! and complete a intensive investigation. and provide me documents that were used to verify that the creditor is providing to prove that the account is reporting correctly Equifax is not providing my TRUE credit report which is not allowing me to proceed with the buying of my home.!!   They are in violation of the FCRA!!!!       Also they have my name as  XXXX   XXXX  which is incorrect and needs to be removed
Product: Money transfer, virtual currency, or money service

Once again just because an unscrupulous former law firm client commits a credit card chargeback, PayPal cancels our entire account thus preventing us from doing further business, even when we provided proof of signed contract, paid by former client, and detailed billing invoice. 

Return our {$5000.00}, and do not punish us for criminal clients who victimize us, now twice by denying our ability to earn an income, especially when we have provided proof of lawful and ethical transactions.
Product: Credit reporting or other personal consumer reports

There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. 

The identified transactions are not information related to any transaction by me as the consumer ( see attached )