23daVinci/CFPB_Complaints huggingface dataset:
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 was 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 are settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Debt collection

I have given my Power of Attorney to XXXX XXXX XXXX. I recently received a Motion for Summary Judgment. I called the Attorney Office Machol & Johannes and asked why they did n't send it to XXXX, and also that we were in negotiations to settle. They told me that negotiations had stopped in XXXX. I was not aware of that and was surprised to receive the Motion after I told them several times that XXXX had my Power of Attorney and they should be contacting them.
Product: Checking or savings account

hsbc checking XXXX denies customer printed checks. why? never got checks.
Product: Money transfer, virtual currency, or money service

The service is asking me for documentation which I have already previously provided to them XXXX and a half years ago
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I received a notification from the credit bureaus XXXX in regards to a unknown collection account from Capital Accounts in the amount of {$410.00}. I have no knowledge of this account nor do I have a contract with this company. I reached out the to company and asked for debt validation in XXXX and to send my a signed contract with my signature and the agent disconnected the call. I called back and requested documents from another agent and was told they would send them but never did. Its been 7 months and the fraudulent account still shows disputed by consumer on my credit file. Capital Accounts purchased this fraudulent account XX/XX/XXXX and never contacted me before reporting to my credit and just reported it on my credit file again XX/XX/XXXX but have yet to send debt validation. Capital Accounts needs to validate this account with a signed contract with my original signature to show dates when this account was open. I've been on XXXX XXXX over 5 years and haven't been in the states I need to know who's using my information to open fraudulent accounts so that I can file charges with the proper authorities for identity theft. The bureaus are continuously inserting fraudulent information on my credit file. I dont have a contract with this company and never have. The account was deleted and reinserted without my knowledge as well and has been reinserted a 3rd time without my knowledge or verification of this debt. Capital Accounts has broken the FCRA laws by reinserting fraudulent debt/ information on my credit file!!
Product: Credit reporting or other personal consumer reports

Security finance # 9 keep pulling my credit report without my permission 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Oklahoma XXXX
Product: Credit reporting

I disputed this as soon as I was notified and sent in documents and it is still in dipuste 3 years later.
Product: Mortgage

The mortgage servicer SN Servicing Corporation has denied the review of Mortgage Assistance for XXXX XXXX XXXX. SN Servicing Corporation states that investor will not review XXXX XXXX XXXX for any loss mitigation assistance. However, no reason or written statement has been provided detailing the specific reason nor has any evidence been provided from Servicer, SN Servicing Corporation, that the note owner has approved this course of action. 

SN Servicing Corporation stated that they would attempt to provide assistance and review any Loss Mitigation Assistance options to prevent foreclosure. 

Despite being provided with an Offer to purchase property at fair market value, SN Servicing Corporation has instead set a sale date of XX/XX/XXXX. SN Servicing Corporation plans on proceeding with the foreclosure sale, rather than review our RMA application and or the offer for purchase. 

The actions of SN Servicing Corporation are consistent with Dual Tracking. Dual tracking occurs when a mortgage servicer continues to foreclose on a borrower 's home while simultaneously considering the borrower 's application for a loan modification or other foreclosure avoidance option. In addition, SN Servicing Corporation violates the rule of RESPA AND ECOA, while failing to properly and timely provide with required documentation to complete modification and or provide Mortgage Assistance package, while discriminating against XXXX XXXX XXXX by not accepting said RMA application. 

SN Servicing Corporation stated that XXXX XXXX XXXX would be considered and eligible for a COVID-19 Forbearance plan and that XXXX XXXX XXXX would be entered into the plan on XX/XX/XXXX and payments as well as any foreclosure activity would be placed on hold. Instead XXXX XXXX XXXX received a notice of foreclosure sale scheduled for XX/XX/XXXX at XXXXXX/XX/XXXX XX/XX/XXXX XX/XX/XXXX This is a clear example of the term Bait and Switch and consistent with the prohibited practice of Dual Tracking. 

SN Servicing Corporation violates the Governors Executive Order No. 20-04-03-01, this order remains in effect until the state of emergency is terminated and the health emergency rescinded. 

SN Servicing Corporation practices violates federal law ( 12 C.F.R. 1024.41 ) which ; The Consumer Financial Protection Bureau, which was established by the Dodd-Frank Wall Street Reform and Consumer Protection Act of 2010, issued mortgage servicing rules that, after being codified into federal law, went into effect as of XX/XX/XXXX. Among other things, the rules restrict dual tracking.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance to the Fair Credit Reporting Act, this creditor has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy. 15 USC 1681 Section 604A Section 2 also states a consumer reporting agency can not furnish account information without my written instructions. Under 15 USCS 1666B, a creditor may not treat a payment on a credit account under an open end consumer credit plan as late for any purpose.
Product: Credit card

Capital one approved me of their quicksilver credit card after sending me multiple mail offers and then proceeded to lock my account the next day after I get approved now I have a hard inquiry and no access to the credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted letters to all three creditors to have my personal information updated, such as ; my name, and address, but unfortunately some of my information is still the same.
Product: Debt collection

On XX/XX/2022 I wrote Evergreen Services to request that they stop communications and collection efforts unless to inform me that a specific action is to take place. Instead, they have email after email, called repeatedly, and each message sounds exactly the same : " We have an important business matter to discuss ... '' Now, even after I sent a XXXX XXXX XXXX to Contact Third Parties they are calling my mother and harassing her. My mother was first contacted by Evergreen Services at XXXXXXXX XXXX  XXXX on XX/XX/2022. Specifically, when she answered the phone, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. Evergreen Services called from XXXX.
Product: Payday loan, title loan, personal loan, or advance loan

I tried to pay my bill with the number on my credit report and the number was incorrect. I downloaded the app and spoke with customer service and have created several tickets where I am constantly being told that management is " researching '' if I still owe or how I can make the payments.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have written down each individual inquiry that has been placed onto my credit report without my knowledge. I have also spoken to Experian and XXXX customer service agents who have told me that they will be removing the fraud inquiries. I have one day post sent all of the documents that have been asked from the bureaus. 

Experian XXXX - XX/XX/XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XXXX- XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus are reporting accounts wrong and there are several errors that need to be corrected because it is hurting my credit scores.
Product: Debt collection

This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data and credit information from a defaulted note purchased from XXXX XXXX AT XXXX XXXX XXXX ON defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have been violated. They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with NATIONAL CREDIT SYSTEM. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). NATIONAL CREDIT SYSTEM can not and will not ever produce a contract between me XXXX XXXX, XXXX and NATIONAL CREDIT SYSTEM because that contract does not exist.
Product: Credit reporting, credit repair services, or other personal consumer reports

Despite multiple written requests, the unverified items listed below continue to report on my credit report, in violation of federal law. These items must be validated under Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ). ( A ). If you do not authenticate these items, I will take legal action against you. Please abide by the law in order for this matter to be resolved promptly. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 am writing in regards to Credit Collection Services Account # XXXX. 
After my conversation with them on XX/XX/2017 my account was settled for the amount of {$480.00}. During my conversation with the representative. I, requested for the file to be removed from my credit report. The representative at the time agreed that the debt would be removed 30 days after the payment was receipt. The agency never send me written confirmation of our phone call agreement nor contact me via any means to inform me that the account was reported to the credit Bureau. I had to contact the credit agency my self and request a copy of my credit report. Upon receiving my report, I noticed that the agency did not put a request to have the account removed from the credit file. I contacted them immediately and they completely denied that they agreed to have the account removed from the credit bureau file. I explained to them my circumstances that I am in which is unemployment and the sacrifice I made to pay this bill.They were unwilling to cooperate with me after they received the payment. Their answer was if you want us to remove this account from your credit file you, will need to pay additional money to our agency. At this point I believe that my rights as a consumer have been violated as I was given false or misleading information in regards to the way my account was suppose to be handled. I would like to have the support of this agency to assist me with the matter as I would like to have my credit file without this collection remark.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not recognize this XXXX  XXXX account on my report. Its not my account. I believe this account is fraudulent. I disputed this with the credit bureaus and they verified it as accurate..
Product: Debt collection

This agency is violating your consumer rights by false misleading and misrepresenting. I have previously attempted to resolve these issues with them... please resolve and remove off my credit report
Product: Credit card

They have violated my right to privacy per the privacy act of 1974. I choose to opt out from sharing any of my information. 






















































































in
Product: Credit reporting or other personal consumer reports

My personal information including an old address, current phone #, and my social security has been found on the dark web and sold to fraudsters due to a Data Breach with XXXX XXXX XXXX XXXX once in XXXX and again on XX/XX/XXXX. I now have another company XXXX XXXX XXXX that has had a security breach that includes all addresses I have lived at as well as my DOB and Social Security as of XX/XX/XXXX. I have credit monitoring and have been able to stop the XXXX accounts from being opened however on multiple attempts I have requested that inquiries be removed as well with no luck. My specific grievance is with Macy 's / CBNA ( requested inquiry be removed in XX/XX/XXXX ). and XXXX ( request inquiry be removed in XX/XX/XXXX ). I have also opened disputes with XXXX and XXXX XXXX and their response is that they need the creditor to remove the inquiry- they can't help me. Being a victim of fraud is very upsetting and frustrating because they all say they want to help you yet they do NOTHING. I have managed closing the accounts or stopping them from being opened myself. I have placed Security Alerts with all credit bureaus. I can not afford to hire a Credit company to help resolve this. I take pride in my credit standing and would appreciate accurate reporting from the creditors.
Product: Debt collection

This is the XXXX complaint I have filed against quick credit located in XXXX South Carolina. I have left them in writing not to contact my near-by references, that they say they never received I have spoke w the home office and the account was to have been noted not to call and today an employee of that office XXXX called my reference and left messages for me to call. I called the quick credit XXXX office and XXXX said that there was nothing on the account about not calling
Product: Mortgage

I called Shellpoint Mortgage in XX/XX/XXXX to request a forebearance to avoid negative reporting on my credit due to my continued financial hardship due to COIVD. I was told that I could have a 3 month forebearance and that the process was started right away. It was my understanding that my credit would not be affected. In XXXX, I finally recieved an SBA loan and I was able to get caught up on my payments, and bring my account current, but Shellpoint has reported me 30 days and 60 days late on my credit. Prior to COIVD I had excellent credit with no late payments and made it through XXXX amd XXXX without any late payments until this reporting by Shellpoint. It seems to me that since I was told that I would be given a 3 moth forebearance in XXXX and that I was able to pay my account current at the end of the 3 months that my credit should not be negatively affected. I do not understand why the company would want ot cause this type of harm to someone in such a devisating time.
Product: Mortgage

Ive been fighting with Bank of America for over 5 years to delete PMI off my account. 

Processing time : 10 days I received a letter stating a property valuation is needed with a fee of {$100.00}. The letter stated once the fee is received it will take 10 days. 

The payment has been sent. On XX/XX/2023, I called Bank of America and spoke to someone named XXXX in PMI department. 

To my surprise he stated that letter is invalid because its more than 30 days-and the process would need to start over, which means the processing time will Not be 10 days as stated in that letter but 30 days or more. 

Its unfair to penalize the customer and further extend the processing time beyond 10 days because of a hidden not disclosed Bank policy.
Product: Credit reporting or other personal consumer reports

I am sending you this complaint to inform you that this company made an unauthorized inquiry on my personal credit report. I have listed the company 's name below, and the dates the inquiry was made. Since I did not authorize this company to obtain my credit report, I demand that this be deleted as soon as possible and my credit score be adjusted accordingly. In addition, I am requesting a copy of my updated credit report reflecting these changes be sent as soon as possible. 
XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am trying to delete ERRONEOUS Name Variations of MY CORRECT LEGAL NAME ( XXXX XXXX XXXX ) from my Experian Credit Report. These erroneous name variations are : 1. XXXX XXXX XXXX, 2. XXXX XXXX, 3. XXXX XXXX, and 4. XXXX XXXX XXXX. I went through my EXPERIAN.COM website Account Dispute Center to accomplish this task ; but the EXPERIAN.COM WEBSITE Dispute Center would not let me do it online, I have to call Experian ( See Attached ). The website was created by Experian to make it EASIER for consumers to maintain ACCURATE Experian Credit Report Information. The Experian website already SCREENED ME and VERIFIED MY IDENTITY when I created the Experian Account ; so why do I have to DOUBLEDOWN and call Experian also?
Product: Credit reporting, credit repair services, or other personal consumer reports

This is the first time my identity has been compromised. I don't understand why this happened to me. Please remove these fraudulent unknown accounts from my report as soon as possible. They are not mine. These accounts were open without my consent. 

XXXX XXXX {$910.00} XXXX XXXX {$1000.00} XXXX XXXX XXXX {$98.00} XXXX  XXXX  XXXX {$450.00} XXXX   XXXX  XXXX {$1200.00} XXXX XXXX  XXXX {$560.00} XXXX   XXXX XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$130.00} XXXX XXXX XXXX XXXX XXXX {$77.00} XXXX  XXXX {$10000.00} XXXX  XXXX {$1200.00} XXXX  XXXX  XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX {$14000.00} XXXX XXXX  XXXX {$180.00} XXXX XXXX XXXX XXXX XXXX {$16000.00} XXXX  XXXX  XXXX {$2100.00} XXXX  XXXX {$3500.00} XXXX/XXXX  XXXX {$1400.00} XXXX XXXX XXXX {$180.00} XXXX  XXXX {$600.00} XXXX   XXXX XXXX {$1500.00} BANKRUPTCY CHAPTER XXXX XXXX {$0.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I have contacted the credit bureau, all 3 on several occasions about items that are reporting on my credit report. These items it either not mine or was settled inn my divorce, in which I am not to be responsible for. I have asked that they remove these items from my report and provide me with the paperwork and they have failed to do so .. The accounts are XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX .... These accounts are hindering my life.. I do not want to take a different approach and get an attorney
Product: Credit reporting or other personal consumer reports

I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : XXXX XXXX XXXX Account # : XXXX XX/XX/XXXX Account # : XXXXXX/XX/XXXX Account # : XXXXXX/XX/XXXX XXXX Account # : XXXX These accounts have accessed my credit information without my explicit authorization, which constitutes a violation of my privacy and confidentiality rights. Additionally, some of these accounts contain obsolete information that should be excluded from my credit report as stipulated in 15 USC 1681c ( a ) ( 5 ).

According to 15 USC 1681, Section 602 ( A ), I have the right to privacy. Furthermore, under 15 USC 1681, Section 604 ( A ), Section 2, a consumer reporting agency can not furnish an account without my written instructions. Also, 15 USC 1681c ( a ) ( 5 ) states that no consumer reporting agency may include any adverse item of information that is more than seven years old, other than records of convictions of crimes.

Finally, under 15 USC 1681s-2 ( a ) ( 1 ), no person shall 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. Additionally, according to 15 USC 1681s-2 ( a ) ( 1 ) ( B ), a person shall not furnish information if ( i ) the person has been notified by the consumer that specific information is inaccurate, and ( ii ) the information is, in fact, inaccurate.
Product: Debt collection

I have already begun a dispute of the validity of a series of debts being reported on my XXXX, XXXX and XXXX XXXX reports with CCS AKA Credit Collection Services AKA Credit Control Services but upon doing further research about the company in question I have come across a major violation of FDCP and Ohio debt collection law. CCS AKA Credit Collection Services AKA Credit Control Services as of XX/XX/2017 and present are not and have not been registered to do business in the state of Ohio and as such is in violation of attempting to collect a debt within the state of Ohio, my state of residence.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account #, has violated 15 U.S.C 1691 section 602 A. States I have the right to privacy 15 U.S.C 1691 section 604 A Section 2 It also states consumer reporting agency can not furnish a without my written instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXXXXXX
Product: Credit reporting or other personal consumer reports

I trust this message thinks that you are well. I'm writing to communicate my anxiety and present a objection to COMENITY BANK with respect to the inappropriate utilization of my credit report and the revealing of wrong data on my record. I recently sent a letter to your office mentioning an examination concerning specific mysterious records. Regardless of your affirmation of directing a legitimate examination, after exploring my credit report, I found that incorrect data continues. 
The errors incorporate yet are not restricted to, the date opened, date of last payment, account status, and payment history. Despite the initial request for an investigation, such inaccuracies continue to appear on my credit report, which is disheartening. I trust what is going on encroaches upon my privileges as illustrated in 15 U.S.C 1681 segment 602 A, which stresses my right to protection. Moreover, 15 U.S.C 1681 segment 604 A Part 2 specifies that a shopper detailing office can't outfit a record without my composed guidelines. I generously demand a careful survey of my case and the brief adjustment of the mistakes in my credit report. Your collaboration in settling this matter is profoundly valued. That's what I believe, as a legitimate credit detailing office, COMENITY BANK will do whatever it takes to redress what is going on and guarantee the exactness of the data in my credit document. In support of this complaint, I have attached an FTC report with the number XXXX.