23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I had an issue with a collection agency for returned checks at Navy Federal Credit Union. XXXX, the company, resubmitted the checks on multiple occasions causing returned check fees at the bank, and also submitted their XXXX service charge as an XXXX-authorized deduction from my account, creating more XXXX fees as they submitted the transactions separately. and the service charges were submitted after the resubmission which they knew did not go through. The checks eventually cleared along with the separate service charges submitted by the collection agency. 
I spoke with Navy FederaXXXX and disputed the service charges as unauthorized, having never agreed to them using XXXX for their service charge. The bank then orders the account for the entire amount of the checks and the service charges and advises the business that I had stated they postdated the checks, and I was denying writing the checks for the purchase which was never an issue. 
I went into my account to get the account statements and found tro be locked out and unable to access any statements relating to the dispute. 
This occurred after going to the store where the checks were written, when the owner grabbed me and drug me through the store telling me he did not want me there ever again. I was never aware of the bank advising them of those lies, and the bank was told after they credited the account that they made an error as I was not disputing the checks, just the allowance of a collection agency to use ACH and access my account. 
The bank CEO was notified of the situation, after getting nowhere with customer service. Now I am charged fees with money in the account and have been denied access to my statements where the business had been paid. I spoke with the business the day of the assault, and told him I would bring back the statement where it was paid, as I never disputed his transactions. The owner stated the money was reversed and he had not been paid over XXXX. The bank has made me look as if a fraudulent person, and this being only XXXX of the times they have done this, after complaining about charges and receiving no products from XXXX. The company ordered from having no phone contact or address to get hold of them and do not respond to emails. XXXX Fed. states they spoke with them, but that is not true.The bank had no right to lie to the company, had no right to block me from my statements, and the CEO office stating they would write a letter to thr business after hearing the recorded dispute. but they will, not advise the businesws that I never stated anything about them postdating checks or denying to have written the checks. I am no longer allowed in the store, have been humiliated in front of my town friends and XXXX XXXX is a liar and uses accounts to advesrly affect its members.
Product: Vehicle loan or lease

Penfed has offered credit protection for the payment on loans in the event of being XXXX. This unfortunately has occurred and due to the false advertisement of the credit union who is subcontracting the credit debt protection is not honoring the matter. I was involved in XXXX  XXXX  which are distinct and separate. One matter I had to ask for help at the courts and now I have a second claim for the XXXX due to a XXXX  accident. The Credit Union has not fulfilled their promise and is advertising a program to their own self interest. I feel that as a credit union and being a member and not a customer their is a inherent responsibility for the organization to help me. Penfed has allowed a subcontracted insurance company to deny, delay and defend against payment on claim. They have not been presenting the offering honestly on the web page and the company that they subcontracted to as a insurance company has been beyond difficult to deal with and even blames the credit union for not having the policy and have not fulfilled the promise. 
A advertised item that is provided by the credit union should be honored by the credit union. The hands off approach is not only not fair but it also has been paid for. I have no clear answer on denied claim. My accident happened in XX/XX/2020 for this complaint so it is new. The company has the documents and I submitted them with a new form they created on XXXX 2020. This form is modified from the original document for XXXX which should be the standard. The changes made were significant and more intrusive so that the insurance company can deny the claim. I am asking for help as I am suffering a hardship due to a XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have not been able to get any information for this account for my credit item. It keeps reporting that i have two items for this credit item, but I only had one account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is not getting my credit report but the impossibility and the intentional placing of layers and layers of roadblocks by Experian in denying a consumer the ability to speak to a human being to freeze or unfreeze my credit report. I have called 10 's of times today to try and contact Experian and have tried to initiate my request to unfreeze my credit without success. This does not happen with XXXX and XXXX. Experian now places a recorded SSN, zip code , street address verification on any initial call without any method to speak to a customer service representative if the prompts do not work. Any typo error, slight misinformation, etc., automatically triggers another long recording of unbelievable hurdles with directions for the consumer to write Experian and enclose enough documentation to fill the Library of Congress to have the freeze lifted or put in place. The same occurs online with no contact option to speak to anyone. Experian 's phone contact number is XXXX. If you are a paying customer then maybe they will talk to you otherwise you are nothing. This should not happen in this day and age of technology. Just do a XXXX search on how to speak to a live human being on Experian and see what the results are.
Product: Mortgage

We believe we have experienced some unlawful practices throughout the course of our mortgage refinances with XXXX XXXX ... XXXX of our largest complaints is that we subsequently refinanced with Quicken. I believe XXXX XXXX withheld monies in our escrow account ... They were never refunded directly to us or forwarded to our refinance. 
Our second complaint is in regard to Quicken Mortgage Refi. At the t of our refinance we were given XXXX ARM set at XXXX & for 5 years unless the interest rate dropped lower that the 3.75 % and if we requested we were eligible for automatic interest reset to that fixed interest for duration of the loan ... without cost. Quicken has not honored that promise.This is deception! We request your help for our sake as well that of others. Thank you, XXXX
Product: Credit reporting or other personal consumer reports

While checking my most recent credit report, I noticed Fraudulent credit inquiries that I do not recognize and did not authorize anyone to pull my credit report. The inquiries made by the below listed companies : Please remove unauthorized inquiries. 
Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Please validate info with these companies and provide me with a copy of any documentation associated with these accounts bearing my signature, authorizing an inquiry. In the absence of any such documentation bearing my signature, I formally request that these fraudulent inquiries be immediately deleted from the credit le you maintain under my Social Security Number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act section 611. By willfully violating the FCRA, I am willing to settle your civil liability damages I have suffered as a result of your violation for {$1000.00} pursuant to FCRA 616 ( a ) ( 1 ) ( B ) [ 15 U.S.C. 1681n ]. Should you fail or refuse to settle the matter by tendering payment in the amount of {$1000.00} within ten ( 10 ) calendar days of receipt of this notice and demand, I will seek actual damages which are greater than {$1000.00}. Send payment immediately via Certied Funds to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Lots of accounts on my credit I do not recognize
Product: Mortgage

I received an urgent notice about my mortgage in an official looking envelop. This was unsolicited and did not indicate that it was a marketing flyer. It refered to 'guideline changes ' and that I was selected for a 'reduction progarm ' which will 'lower my monthly payment significantly. ' This, it turns out was untrue, but assumed they would pay off my fixed rate loan for a variable rate loan, however, the variable rate was n't much better than my fixed rate and did not amount to a 'signficantly lower payment ' compared to my current mortgage. This letter was alarming, deceptive and felt predatory in its design. In the fine print I see that it is a solicitation from XXXX XXXX XXXX and XXXX XXXX ( contact information in the attached pdf file ). I feel their tactics are the type that regulatory reform was intended to eliminate.
Product: Credit reporting or other personal consumer reports

Remove this account from the Lexis Nexis Report for inaccuracy.The court name inthis account is inaccurate. 


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

I had opened a secure credit card in the amount of {$300.00} that I started with XXXX XXXX  back in XX/XX/2013. About 2 years ago I went in to close the account because I had established credit with a regular credit card and did not need it..when I closed it they gave me my {$300.00} back that secured the credit card and I thought all was good. 
On my credit report it shows closed by credit grantor which I believe has had a negative affect on my credit. I disputed this with all three bureaus and XXXX  and Transunion still will not remove this incorrect information.
Product: Credit reporting or other personal consumer reports

For more than XXXX months I have been trying to get my equifax score I spoke to a gentleman who told me to set up an acct I did. And still nothing my loan officers pulled my credit through XXXX no report I have been denied houses because of this issue I spoke to a supervisor who stated I need to send in my ID AND SOCIAL!! BREACH OF CONTRACT SO MY INFO CAN GET STOLEN AGAIN?? He said equifax had an eternal ERROR GOING ON!! You guys just had a settlement and declined to inform me appropriately I had to log on on which I didnt meet the deadline! YOU INTEND TO MAKE PEOPLE CREDIT AND LIFE XXXX! There is no reason I should have to go through this YOU NEED TO BE SHUT DOWN
Product: Credit reporting or other personal consumer reports

Upon reviewing my credit file, I have discovered inquiries and collections that are incorrect and fraudulent. These inaccuracies are damaging my credit score and financial reputation, and I request that they be promptly removed from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to purchase a new home but my consumer rights have 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 : It also states a consumer reporting agency can not furnish a account without my written instructions XXXX XXXX XXXX has violated my rights as a consumer
Product: Credit reporting, credit repair services, or other personal consumer reports

I went to my bank to apply for a loan and was denied. I was confused because I thought that you all had taken care of the accounts on my credit that does not belongs to me. The account on there does not have a name but there account number is XXXX. I have contacted the FTC and local police.
Product: Debt collection

In XX/XX/2018 I had applied for an apartment in XXXX, Virginia. At application time I had paid an application fee and security deposit to hold the price that I was quoted that day. I was advised on move in day I would sign my new lease, pay my first months rent, and get the keys. The day I was supposed to sign my lease and move in I called the apartment complex and told them I was no longer interested due to my new commute to work.That is when I was told that I would still be responsible for rent AND I would have to pay monthly for the unit until they were able to find someone else to rent it. I didn't even have a unit number so how am I to know when or if it is occupied. I never signed a lease, I have no contract with them. The application is just that an APPLICATION. About 6 months later I seen that they had put this account on to my credit report as a collection account and Hunter Warfield is the creditor attempting to collect these funds. I have since requested account validations via disputes and nothing has come of it. I have not been shown the proof that I have requested asking how they think i owed them this ridiculous amount of money. I am sure they are ignoring my requests because there is no proof. There is no lease. I would like Hunter Warfield to remove this account from all of my credit files.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Debt collection

I have reached out numerous times that this account does not belong to me and now I am being ask to file a police report just to get this removed from my account. I feel like this makes no sense why should I have to do so much on my end for something that I shouldnt even have to deal with because of something that shouldnt even be on my credit report. 

Account that is charging me {$420.00}
Product: Credit reporting or other personal consumer reports

Dear Regulatory Agency, This is Actual and Constructive Notice that the credit reporting procedure being used in this matter against me as a consumer by the XXXX national consumer reporting agencies is defective and in fact is evidence of identity theft as defined in the Fair Credit Reporting Act. 

I have tried numerous times over the past couple of months to get remedy myself through sending letters to the customer service dept of each corporation, ( TransUnion, XXXX, XXXX ) but it is evident that these companies believe that they are too big to fail, and they do not have to abide by Federal Law. 

I have attached an updated copy of my dispute to this complaint in hopes that this will get the companies attention and show them that I am in fact serious. This paper trail that I am building will lead us directly to court if they choose to keep willfully noncomplying with federal law. 

I have received letters from each of these companies basically gloating in my face as if they have the right to continue to report something I am stating is identity theft and inaccurately reporting without permissible purposes. 


Please see attached for more details.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern, I am writing to formally dispute the accuracy of information on my credit report provided by TransUnion. This dispute pertains to their claim of verifying my credit report through the bankruptcy courthouse when, in fact, they utilized a third-party company, XXXX XXXX XXXX for this purpose. 

On XX/XX/2023, I requested a copy of my credit report from TransUnion, as is my right under the Fair Credit Reporting Act ( FCRA ). Upon reviewing the report, I noticed discrepancies in the verification process. TransUnion stated that they had verified my bankruptcy status through the bankruptcy courthouse. However, after conducting my own investigation, I found that this information was inaccurately represented. 

I have evidence to support my claim that TransUnion did not contact the bankruptcy courthouse for verification, but instead relied on data obtained from XXXX XXXX. This raises concerns about the accuracy and integrity of the information contained in my credit report, which can have significant implications for my financial well-being. 

I kindly request that you investigate this matter thoroughly and take the necessary steps to ensure that TransUnion rectifies the inaccuracies in my credit report. I believe it is essential to maintain the highest standards of accuracy and transparency in credit reporting to protect consumers ' rights and financial interests. 

Enclosed with this letter, please find copies of the documents that support my claim, including correspondence with TransUnion and any relevant proof of their reliance on XXXX XXXX for verification. 

I appreciate your prompt attention to this matter and your commitment to upholding the rights of consumers in matters of credit reporting accuracy. Please inform me of any further actions or documentation required from my end to facilitate this investigation. 

I requested that the translation service provide evidence and confirmation of their direct communication with the courthouse. However, they failed to do so. Furthermore, they neglected to rectify the situation despite the presence of an erroneous name, " XXXX, '' on the bankruptcy record that does not correspond to my own. It is important to note that my name is not " XXXX, '' but rather " XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX & XXXX XXXX has set me on a wild goose chase for a fraudulent account they have allowed someone to open in my name and now are requesting information the average person would not be able to produce so they can continue to report an account that is continuing to hurt my credit. I simply can not produce mail from over 5 years ago. I did some research and found out that although you must produce identification they don't make copies of it. Last but not least I would love to file a police report in fact I spoke to XXXX XXXX of XXXXPD who advised me to request specific information so my report would not be vague and allow them to do an actual investigation which leads to an arrest and XXXX XXXX has failed to send me what I have requested per the request of the XXXXPD. I am not receiving any assistance just a copy of a bill and an address I have never lived on account so old it impossible for me to produce. Please see the attached documents.
Product: Checking or savings account

In XX/XX/year>, I added {$1000.00} to my checking account with Chime ( XXXX XXXX ) via wire transfer. I visited my nearest XXXX to withdraw the funds but the atm only released funds in {$400.00} increments. Originally, I planned to withdraw {$400.00}, {$400.00}, {$200.00}, however, I only received {$600.00}. While attempting one {$400.00} transaction, I saw an old associate with whom I joined conversation. The atm did dispense the {$400.00}, but continued to grasp it like a slot machine. Because I was in a conversation I never took the money out of the slot and the atm retrieved the money back ( Hence, never released ) After begging XXXX XXXX  to launch numerous investigations, they decided to keep my {$400.00} & the money never returned to my bank account. Ive spoken with numerous XXXX XXXX  representatives as well as even reached out to the atm company as well.
Product: Credit reporting or other personal consumer reports

I hope this letter finds you well. I am writing to provide an update on my ongoing efforts to remove fraudulent items from my credit file. Despite multiple attempts, these inaccuracies persist, and I am seeking further assistance to address this matter. 

This persistent issue has caused significant stress and hardship. It is crucial that these inaccuracies are promptly addressed to ensure the fair and accurate reporting of my credit history. 

Furthermore, I request transparent communication throughout the resolution process and regular updates on the progress of the investigation. Restoring confidence in the accuracy and reliability of information reported on credit reports is essential. The following items should be removed as soon as possible : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Consumer Loan

I purchased a used vehicle XX/XX/2017 and did a voluntary repo on I believe XX/XX/2017. The vehicle was bought back to them twice with mechanic issues and the week I gave it back it stopped shifting into third gear when driving..reason why I gave it back. I financed the vehicle through them and they are still wanting to collect on a vehicle that had nothing but issues. I understand about the used car laws with consumers that we pretty much are n't protected but their should be something or someone out here able to protect us from USED CAR DEALERSHIPS that do this to hardworking people who hit hard times and have to go to lots like this. I 'm disappointed, upset, and angry. If I ca n't completely get out of this contract at least I want to try and get the amount owed reduced drastically!
Product: Debt collection

Company is robo calling my house early in the morning every 2 days for over 2 months. I am not the person they are calling, I am not related to the person, I do n't have nay idea who is the person they are calling. My answering machine clearly states my name. They only leave number to settle debt and that person has not way to have my number removed and states they only can talk to person who owes debt. The robo call does not leave any method to alert them that they are calling wrong number.
Product: Mortgage

Twice in the past 6 months I have written a check to my mortgage company for a PRINCIPAL ONLY payment. My regular monthly payments are auto debited each month from my bank account. I have indicated this on both of the checks that the payment is for principal only. In both instances Ditech chose to apply the money toward future months ' interest without my permission. My intent was to pay down the principal balance and they continually apply it to interest, and some cases escrow, on their behalf.
Product: Credit reporting or other personal consumer reports

I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the XXXX Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts are updated. 

XXXX XXXX Balance : {$6500.00} ; XXXX XXXX Balance : {$4400.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$6300.00} ; XXXX XXXX Balance : {$0.00}.
Product: Credit reporting or other personal consumer reports

Experian has been very professional in working on my case. And very helpful. 

The website, however, will not allow any uploads. I have been attempting to upload it since last week changed it to all black and white docs and PDFs, and modified docs several times, but it still says I can not submit documents. 

SO this is just an issue with the tech in being able to upload documents only-