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 CFPA findings against Navy Federal for similar practices. where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Vehicle loan or lease

My car is in the repossession status. Was XXXX, had family deaths and fallen several months behind. My car company is a scam and wont allow me to defer the payments
Product: Credit reporting or other personal consumer reports

I am requesting the my balance on my XXXXDepartment of Education account be updated as closed/paid in full per the attached document submitted which is a IRS notification from the IRS and the company .

I tried speaking to the companies but it appears that they said sometimes there system glitches and it doesn't get the information, which explains why i am trying to resolve it through the CFPB.
Product: Credit card or prepaid card

my XXXX credit card is only 6 weeks old and auto pay is set up. I have been put into collections because they company can not seem to get the payment correct. 1st they transposed numbers. 2nd they could not get auto pay to work for 1 to 2 months after the account was set up only with auto pay. then they reported me to the credit collections because they are not able to accept auto that they require to set up the credit card for 2 months. Do not use this company they are horrible for costumer service and will not help the customer fix they issues they created
Product: Credit reporting or other personal consumer reports

The company is Experian. I need to unfreeze my account. I am not able to speak to a live person. They claim that I would have received a pin # when I froze the account but I do not have a pin #. And on the reviews for Experian they keep changing their phone number so that they can't be contacted and speak to a live person.
Product: Credit reporting, credit repair services, or other personal consumer reports

Nationstar Mortgage/Mr. Cooper has tarnished my credit by indicating that I have been late on 5-6 payments of over 30-60 days in XXXX. I have proof that Nationstar Mortgage was paid on time from XX/XX/XXXX to XX/XX/XXXX thru AutoPay from XXXX XXXX XXXX.I attached copies of all payments to Nationstar Mortgage from XX/XX/XXXX through XX/XX/XXXX that were made by Auto Pay by XXXX  XXXX XXXX that show the confirmation number that each payment was processed. No payment was tardy. No payment was missed. I have asked Nationstar/Mr. Cooper to correct this for quite some time, but refuse to do so because they state that the payment had increased and since I was never notified by mail or phone, the autopay continued to pay {$690.00} for the payment for XX/XX/XXXX. I then received a letter from Mr. Cooper stating that I owed over a thousand dollars and when I called them to inquire, they advised that the taxes had increased and that the monthly payment would be now in the area of {$820.00}. On XX/XX/XXXX & XX/XX/XXXX I made payments in the amount of {$820.00} until I received a statement indicating that the payments are now {$810.00}. I made a double payment on XX/XX/XXXX and XX/XX/XXXX of {$810.00} like they advised me over the phone to pay for any additional taxes and that I would be then current. I have made monthly payments of {$810.00} to this date. I have called Mr. Cooper/Nationstar countless times and they do not want to help me nor seem to care. In the meantime, I am unable to get a loan because of their incorrect statement that I have been late 5-6 times on my account in XXXX. I have made a report to XXXX, XXXX, XXXX, and to the Consumer Protection Agency.
Product: Debt collection

I have sent multiple letters asking and demanding prof of the debt and to date have not been sent any response and the debt collector has illegally added this negative account to my credit reports and demand it be removed ASAP
Product: Credit reporting or other personal consumer reports

I am writing to formally lodge a complaint regarding the ongoing issue of fraudulent items on my credit report, which has persisted despite multiple attempts to resolve it. This is my fifth attempt to address this matter, and I am seeking immediate action to correct the inaccuracies. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate information on my credit report, and your agency is obligated to investigate and correct any inaccuracies within 30 days. I am requesting that you : Immediately remove the fraudulent items from my credit report, Provide me with written confirmation of the removal, Refrain from reinserting these items without notifying me in advance as required by law. Please acknowledge receipt of this complaint and provide a detailed response outlining the steps you will take to resolve this issue promptly. Kindly help me remove the following items immediately : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

On XX/XX/18, XXXX XXXX XXXX placed a debt on my credit report for XXXX for {$110.00}. This is not my debt. I have asked for identifying proof of my identification used to open this account and neither company has been able to provide that info. Therefore unable to prove its my account. I have never used XXXX because I have never owned a car because I can not drive.
Product: Credit reporting or other personal consumer reports

Hello, I am contacting you on behalf of inaccurate information being reported on my credit report. In accordance with the fair credit reporting act Capital One creditor has violated my rights. Under 15USC 1681, Section 602, states I have the right to privacy. 15USC 1681, section 604A Section 2, also states that consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 's 1666 B, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Capital one has reported that I had a late payment of {$40.00} XX/XX/2023. The payment was not late 30 days. I have an excellent track record. I am requesting that this late payment be removed from my credit report.
Product: Mortgage

We purchased our home in XXXX of XXXX through J.G. Wentworth and JG Wentworth continued as the loan servicer. The property purchased at XXXX XXXX XXXX has to county apn numbers : # XXXX and # XXXX. The property taxes were paid on one apn and not the other, although both are included in the mortgage paperwork. This information was brought to their attention two years ago after receiving deliquent tax notices from the county of XXXX, CA. This was again brought to their attention on XX/XX/XXXX via email with a confirmation saying the delinquent taxes were received. I received an email on XX/XX/XXXX saying that any deliquency would be paid by the company out of a corporate account. I called the company to confirm, and was informed that the taxes would be paid on XX/XX/XXXX. They wouldn't give me this information in writing by mail or email. I also requested an audit of our escrow account, because the escrow amount should have covered the deliquent taxes. Our loan was then transferred to a new servicer, Freedom Mortgage, effective XX/XX/XXXX. I immeditely sent the deliquent tax notices to the new servicer. The reviewed the infomation and assured me that the taxes would be paid on XX/XX/XXXX and that an escrow audit would be performed and sent to me by XX/XX/XXXX. Again, they wouldn't confirm this information in writing or give me a confirmation number. Freedom Mortgage has also added hazard insurance and an additional flood policy in addition to the homeowners and flood insurance that I already carry. I notified my flood policy agent ( XXXX XXXX of XXXX XXXX ) that the maximums of the policy needed to be increased, and they did increase them right away. I have received a letter again telling me to increase my flood policy maximums or they will obtain a policy for me. They are increasing my payment from {$1600.00} to {$1900.00} to cover this. It seems that they are adding things without my authorization or need and not paying the property taxes for the second apn. The deliquent taxes equal {$10000.00} with penalties. I just want the property taxes paid and I want to see where all of the escrow money has gone if it wasn't used to pay the taxes. I have not been late on payments and I have carried proper flood and home owners insurance since the inception of the loan. If this isn't remedied immediately, I will be forced to take legal action.
Product: Credit reporting or other personal consumer reports

Equifax mortgage services XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX Equifax Mortgage Services XX/XX/XXXX I DID NOT AUTHORIZE THESE INQUIRIES WHICH APPEAR ON MY CREDIT REPORT AND THESE ACCOUNTS ARE IN VIOLATION OF 18 U.S. CODE 1028A
Product: Credit reporting, credit repair services, or other personal consumer reports

I am writing to dispute the errors on my credit report. I request that these errors be corrected immediately. Enclosed, please find copies of the relevant documentation that support my dispute, including. Thank you for your prompt attention to this matter. I look forward to hearing from you soon. Recently I did an investigation on my credit report due to starting the process of purchasing a home. Unfortunately after this evaluation I found inaccurate addresses. According to 15 U.S. Code 1681e ( b ) Accuracy of report - Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. With that being said, we can see under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information - ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. On EQUIFAX, they are reporting an incorrect address below : XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX, XXXX XXXX XXXX CT XXXX NC XXXX, XXXX XXXX XXXX XXXX XXXX NC XXXX, XXXX HARBOR XXXX XXXX GA XXXX, XXXX XXXX XXXX XXXX GA XXXX and they have XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA.
Product: Credit card

Chase Freedom advertised 5 % back on travel including hotels and resorts. I paid for {$1500.00} to a vendor called " XXXX XXXX XXXX '' ( changed for privacy ). Chase told me " XXXX XXXX XXXX '' registered as " XXXX XXXX '' and not " Travel ''. It should be on Chase to ensure I receive the promised 5 % for " Travel '' categories despite how the vendor decides to register. 

How could I have known that a " resort '' would not be " Travel ''? This model is misleading to the consumer. I have made mistakes with this card before, and I can no longer be tempted to use it. I will take the hit on my credit rather than have this card. Overall, it has caused me more stress trying to follow the strict rules than enjoying the rewards service.
Product: Debt collection

Constant threatening phone calls from XXXX concerning a supposed debt of which I have no knowledge
Product: Credit reporting or other personal consumer reports

My address is ( XXXX XXXX XXXX ) Please remove all the addresses from my report that are highlighted as they are not deliverable to me by the US post office, and they are not reportable as per the FCRA since they are inaccurate. 

My name is ( XXXX XXXX XXXX  ) Please remove any other aliases. 

Please remove all phone numbers they do not belong to me.
Product: Credit reporting or other personal consumer reports

I would like to dispute inaccurate and harmful information on my credit report that is negatively impacting my FICO score. 
Below are the details of the accounts in question : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. there is some inaccurate information reporting XXXX Account Number : XXXX Please remove it from my credit report. 


2. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 U.S. CODE 1692G - VALIDATION OF DEBTS XXXX Account Number : XXXX Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX is violating my consumer rights. They are fraudulently letting XXXX, management number XXXX report a fraudulent account on my credit profile. I have never heard of this company, nor should they have any information of mine. I was suspicious so I looked this company up on my Secretary of State website and seen that they aren't licensed to do business/collect a debt in my state. They are illegally doing business in XXXX. I'm asking you to enforce to enforce the laws on XXXX for failure to investigate as I'm a federally protected consumer. I will also be reporting both XXXX and XXXX to the IRS filling out form 3949- A information referral for unreported income since XXXX gets paid XXXX this company and this company isn't licensed to do business in my state, leads me to believe they are exporting people for money and not reporting it to the IRS. I will also be reporting both companies to the Attorney General and Better Business Bureau. I attached proof that XXXX isn't allowed to do business in my state. If the account isn't removed in 30 days, I'll also be filing the attached forms to sue both companies for defamation of character. They are making me look noncreditworthy to other lender and I have been denied credit due to this matter. It has caused me great emotional distress and my doctor has prescribed me Trazodone because I haven't been able to sleep at night due to the financial and emotional harm these two companies have caused. I know that XXXX pays XXXX to report inaccurate information and XXXX refused to give me a fair investigation for their financial gain.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX daughters, ages XXXX and XXXX received " Your Dispute Results '' letters from Experian dated XX/XX/XXXX, XXXX. Neither of these daughters has ever submitted a dispute as stated in the letters. Neither did either daughter request a credit report as also stated within Experian 's letters to them. In addition, I long ago directed that Experian Credit Locks be placed on these XXXX  accounts. Your immediate attention to this apparent fraudulent activity is requested. Efforts to contact Experian as directed through their web site have failed.
Product: Credit reporting, credit repair services, or other personal consumer reports

Selene Finance is not reporting my mortgage to the credit reporting companies. Mortgage co now states because I filed bankruptcy back in 2005 and did not claim my mortgage to not be a part of the bankruptcy, is why they do not report my mortgage. however, i am attached proof of my property being exempt from the bankruptcy. in addition to the proof from being exempt, I also have a letter from Selene stating this was their mistake and they are correcting it and going to start reporting it to the credit bureaus
Product: Credit card or prepaid card

I myself contacted Citi-Bank via phone call. All charges were reported as fraud. The bank deactivated the card ( frozen ) and all charges dropped. I am in the process in contacting you regarding the situation and will fill out a police report online in XXXX, CA. 

The approximate charges totaled over {$11000.00} USD and the purchases ordered and delivered in Texas. I live in CA for over 70 years. I haven't lived anywhere else not including my years serving in the military.
Product: Debt collection

On XX/XX/2016 at approximately XXXX est I received a phone call from First Merit collections dept on a private number on my cell phone. I was unable to catch the woman 's name, but she proceeded to tell me that I have only been making partial payments for the past several months for our auto loan. When I informed her that information was untrue and offered to give her receipt numbers for the payments, then asked her where these extra charges are coming from she told me to hold for a moment while she listened to recorded conversations that I had had with XXXX other First Merit representatives who told me that if I paid {$340.00} by XX/XX/2016 that I would be current on the account that took place on XX/XX/2016 and also on either XX/XX/2016 or XX/XX/2016. After she allegedly listened to the recordings, she told me that the information that both representatives told me was wrong and that I owe them more money. When I asked what I owe them more money for she was not able to answer me aside from to tell me again that I was making partial payments. I explained again that I was only operating on the information that XXXX first merit representatives had given me, and that I plan to speak with the first merit office to correct the information. She told me they would not help me and only send me back to her and that one of the representatives had tried to call me back at the time when we initially spoke but I had no missed calls at that time and no messages left by anyone so I do n't believe that she was telling the truth. Then the collections representative would n't let me get off of the phone to go back to work until I had told her several times that I needed to go back to work and would have to deal with this at a later time. The caller also threatened to ding the account holder 's credit every day until I pay the amount they claim that I owe them. I have receipts to prove my payment dates and times for every payment since we got the loan.
Product: Debt collection

I received a letter by mail, from XXXX death, standby mediation, recovery center ; explaining that I owe debt credit card from XXXX XXXX XXXX, aka service, credit union. I called them XXXX provided from the letter, they refused to give me the information on the validation notice, either I told him that I never had that account he must be a mistake. They wont consider it any of my questions
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 XXXX XXXX XXXX. 



Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX # XXXX, Account name : XXXX  XXXX # XXXX, Account name : 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: Checking or savings account

Chase didn't give me a bonus despite I met all the requirements. I've opened an account on XX/XX/XXXX, received my first direct deposit on XX/XX/XXXX, and several of them later, each week. But Chase says I need to wait. I spoke with their support two times and they said I have to wait. So, I'm waiting from the date of the first direct deposit posted its been more than a month already. See attached bank statement.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified Metro 2 format reporting standards. 

Listed below are the Inquiries that are being challenged XXXX XXXX - XXXX Listed below are the Inquiries that are being challenged XXXX | XX/XX/XXXX XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX | XX/XX/XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The problem is with EQUIFAX I was denied credit with XXXX XXXX by EQUIFAX and requested a free credit report and score and an explanation why. My original complaint # XXXX-XXXX dated XX/XX/XXXX. Their first response was a request for payment contrary to my being entitled to a free report. I objected to this request by initiating a complaint with the CFPB. EQUIFAX sent me another request for more personal information but no report, score or explanation again. A few days later, EQUIFAX finally sent me a history of all my credit transactions. ALL of them were shown to be paid in full AS AGREED, indicating a perfect record. But still no SCORE or EXPLANATION for the denial. Why is it so difficult to tell me???? Their last number, a confirmation # XXXX, dated XX/XX/XXXX 


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

i sent XXXX and equifax letters on XX/XX/2021 regarding the inaccurate and incomplete items that they are reporting on my credit report and they hasn't did anything.this is my 4th attempt into getting this handle and they haven't verified anything nor deleted it.i will attached copies of the letters below