23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Navy Federal Credit Union ( NFCU ) website has published refinance rates that appear to welcome you ( teaser rate ) to apply for a mortgage loan. In the comments below they add another 3/4 % to the rates if your current mortgage is not with NFCU. I have been a member for many decades and it does not make sense that as a current member I have to pay more to use a credit union service. 

Spoke with customer service twice and basically my impression was that management made the decision to tack on this additional cost mid XX/XX/2020. 
I understand that NFCU is busy with providing services but as a current member they want me to pay more than someone who is not a current member. 

This is information in quotes that NFCU has on its conventional mortgage website : " Rates displayed are the as low as rates for purchase loans and refinances of existing Navy Federal loans. Rates for refinance loans where the existing lender is not Navy Federal are subject to a 0.750 % higher rate. '' I don't believe this aligns with the fair lending act and feels a bit discriminatory. 
NFCU is excluding current members with mortgage loans elsewhere from enjoying/benefiting from the interest rate under a refinance. NFCU is excluding a large group of members from refinance since the added fee makes the cost higher. 

" Disparate Impact A lender 's policies, even when applied equally to all its credit applicants, may have a negative effect on certain applicants. For example, a lender may have a policy of not making single family home loans for less than {$60000.00}. This policy might exclude a high number of applicants who have lower income levels or lower home values than the rest of the applicant pool. That uneven effect of the policy is called disparate impact. ''
Product: Credit reporting, credit repair services, or other personal consumer reports

I was unable to apply for Social Security and XXXX online because I could not answer questions that were supposed to verify my identity. The questions required me to answer which bank provided my home mortgage, which institution provided my auto loan, and which retail credit card did I have. I could not answer these questions because I have never had a mortgage, I have never had an auto loan, and I do not have any retail store credit cards. The Social Security Administration web site indicated these questions were based on information that they receive from Equifax. 

I tried the following things at the Equifax web site to resolve the problem but I was blocked at all approaches because the same incorrect information in the Equifax database is being used to try to verify my identity : 1. I could not check what information Equifax had regarding the loans that it said I had acquired..

2. I could not check my credit rating.

3. I could not report the possible XXXX or identity theft at the part of their web site that was supposed to accommodate that.

4. I could not talk to a person on the phone at Equifax because I could not get past there identity verification questions.

5. I could not establish an Equifax account because my name, birth date, and social security number seem to be associated with an existing account that has an email address that is not mine. 

The Equifax chat line told me that I could mail in the Research Request Form, but the URL pointing to the form was wrong. I used XXXX to find this form. I am mailing to Equifax a copy of my driver 's license, my birth certificate, and my social security card attached to a research request.
Product: Credit reporting, credit repair services, or other personal consumer reports

There is one account on my credit report that is not mine I have opened an FTC on this I have tried in every way to reach out to the furnisher and the bureau but nothing nothing has happened I need this off my credit account this is not mine it does not belong to me and it should not be in my report. 

Account Name : XXXX CARD Account Number : XXXX Reason : Unverified account
Product: Mortgage

I have been Hustling to try to get this HAMP modification with BOA sence XXXX, they pull every trick in the book, they are very good at there game, I am extreamily tired, they are winning this battle to foreclose on my home because the CFPB are not making them play by the rules, they say they sent me a HAMP modification in XXXX, it had the partners name ( XXXX XXXX ) on every page, like he was applying for the modification as well, we split up in XXXX, I had him arrested for XXXX & XXXX to XXXX me as well.every time they send me anything at all it says Dear XXXX XXXX XXXX and XXXX XXXX.They have a capy or XXXX copies of the Special waranty Deed from XXXX county court house, signed by him too. The payment was already late when they sent me the payment book. 
When is this ever going to end.I must have a home not a apartment to keep visitations with my son who is XXXX, Please Help. XXXX tell me what I can do, Im tired but will never stio fighting to keep my home.
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 Also violations of defamation of character Acct name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681 c. ( 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 crime which antedates the report by more than seven years 15 USC 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to any consumer reporting agency if the person knows or has reasonable cause to believe that information is inaccurate ( 5 ) Violation The term violation means any act or omission that, if proved, would constitute a violation of any provision of Federal consumer financial law.
Product: Mortgage

I tried making my loan payment today XX/XX/19 to find out they have locked my account. They claim i have not paid for the month of XX/XX/XXXX which my paystub clearly indicates my payment went through on my XX/XX/XXXX. I never recieved any type of warning indicating that they would have locked my account making it impossible for me to make any further payments. I would like for Selene Financing to unlock my account so i can continue making my monthly payments without any late fees. This has been the second time in 6 months that i have had a problem with Selene finance. 

I contacted the company and i explained to them the situation and they could not help unless i send a certified check or a money order to them for the remaining of the year. I have a bank branch that does not exist near my county so going to the bank is not possible. I would like to switch Financing companies if this keeps happening every 6 months.
Product: Credit card or prepaid card

Original Date XX/XX/XXXX Account was Re-billed XX/XX/XXXX in the amount {$2500.00} The charge was immediately disputed as an unauthorized charge with US Bank upon receipt of the statement the bank has refused to resolve this fraud. 

The card was Not present during this charge date and therefore the card was not swiped or was a card with a chip inserted, nor was there any Signature Authorization as corroborated by US Bank
Product: Credit reporting, credit repair services, or other personal consumer reports

I first noticed this problem when Capital One didnt update my credit report in time to reflect that my credit card is showing a XXXX balance & now Im seeing that theyve also added a remark to my XXXX report which has lowered my credit score XXXX points. My credit score cant increase due to how theyre reporting on it
Product: Checking or savings account

After opening account in XX/XX/2023 I don't have access to my account. I filed complaints via customer service and at the branches in XXXX XXXX, Mt XXXX and XXXX. No response or past 4 months. Wasted time to go back and forth between branches. Everyone customer service tells me to go to the branch to fix the issue and branch tells me it's not branch problem filing another complaint with request of calling me back. I can't get any info through customer service I can't make deposit via mobile app, I can't get support because they can't access my information about account and they want me to charge money for making deposit via mail. It's an XXXX and XXXX on customer who has nothing to do with their internal system. My account will be charged service fees since I can not use account. They do not have number for corporate office. Everyone in the bank gets paid salary but there is noone to fix the problem
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following items : XXXX XXXX XXXX XXXX, TX XXXX, XXXX XXXX XXXX XXXX, OH XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XXXX TN XXXX XX/XX/XXXX, XXXX XXXX  XXXX XXXX XXXX : {$0.00}, XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX Balance : {$15000.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00}, XXXX XXXX Balance : {$1800.00}, XXXX XXXX XXXX XXXX XXXX  XXXX Balance XXXX {$0.00}, XXXX XXXX Balance : {$19000.00}, XXXX XXXX XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance XXXX {$0.00}, XXXX XXXX ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX XXXX Balance : {$920.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00}, XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$7200.00}, XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Discharged Date Filed/Reported XXXX XX/XX/XXXX Reference # : XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/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  XX/XX/XXXX, XXXX XX/XX/XXXX
Product: Credit card or prepaid card

During the past few months, I have called Discover Corporate Office and requested return calls. Unfortunately, to this very day, no one has returned my calls. Today, Monday, XX/XX/2018, I spoke with several account managers or Dispute Billing Representatives and requested to speak with a supervisor or Corporate and I was advised that all lines were busy. The first person I spoke with on today, was unprofessional and I was requesting that the call be pulled for today, XX/XX/2018, about XXXX XXXX DEST. Representatives so not like being identified as they do not want to give the first initial of their last name and they do not have reference numbers for the calls or the representatives.

It appears that representatives have been unprofessional and Corporate does not wish to address this with me. Also, I have a dispute which the initial recording states, " your dispute is complete '' however when I speak with a representative that recording is not true as Discover is still waiting for a response from the merchant. This recording appears to be very contrary to the truth. The dispute is not complete and the recording should indicate that. I had wanted to know the status and why the recording stated the " dispute was complete and I would receive a response within 10 days '' when the representatives

states that they are actually waiting for a response from the merchant. Lastly, I have repeated left my name and number and yet no one from Discover Corporate Office has bothered to adhere to the account managers ' notation. This appears to be a poorly ran company or either staff chooses who they wish to call back.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I certified mailed a letter disputing an erroneous account on my credit report asking Experian to investigate this, provide me with the documents used to verify and validate the account, or delete the account immediately from my credit report if they could not. It has now been more than 30 days since they received the letter ( which I have proof of ) and they have not responded nor have they removed the account. I have attached the original letter mailed on XX/XX/2022 ; as well as a failure to comply letter updating them on their willful negligence to comply with my request, the Fair Credit Reporting Act, and CFPB.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2021 I sent a letter to XXXX, Equifax, and XXXX regarding unknown and inaccurate things on my credit report. To this day, I have only received template stall letters from Equifax, XXXX, and XXXX. I feel like I'm being taken advantage of and being ignored. 

Section 611 ( a ) states that a failure to investigate these items within 30 days gives a reason to immediately remove these unverifiable items from my credit report. It has been 5 months, since I notified the credit bureaus of fraudulent accounts appearing on my credit reports.These items should have been removed a long time ago. I demand these accounts be removed immediately or else I'll file for litigation due to the stress and damage to my reputation that you have caused me. 

My personal information was also impacted by the Equifax data breach, XXXX XXXX XXXX, and other companies who had their systems breached. My personal information has gotten into the hands of the wrong person. The credit bureaus keep reporting inaccurate and unverifiable information on my credit reports as being accurate. However, XXXX, Equifax, and XXXX, nor the ccompanies appearing on my credit report, have yet to send me a contract containing my signature.I have requested contracts from creditors containing my signature and have not received anything. 

XXXX sent me a letter stating they can not validate an account they previously claimed belonged to me then sold to a collection agency ( XXXX XXXX XXXX ). If they can't validate an account they claim belonged to me, nor provide me with a contract containing my signature, then, how can they sell an account that never belonged to me! 

XXXX : Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX Inaccurate Addresses Reported by XXXX : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Inquiries : EQUIFAX MORTGAGE XXXX XXXX XXXX Equifax : These social security numbers are not mine : XXXX. XXXX XXXX. XXXX Inaccurate spelling of my name : My ONLY Legal name : XXXX XXXX XXXX I am not known by these names : XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX Unauthorized Inquiries : XXXX EQUIFAX MORTGAGE SERVICES XXXX XXXX XXXX : Inaccurate spelling of my name. I have never been known by the following names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Accounts opened as a result of Identity Theft : XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX
Product: Credit reporting or other personal consumer reports

I asked to derogatory remarks to be removed from my credit report and also the companies that I settled with also requested for these items to be removed and these items are still on my credit report hindering my ability to relocate and get approved for another place to live for me and my children due to my credit score being low from the negative remarks on my report. these same items has been removed from another reporting agencies but not from Transunion.
Product: Credit reporting or other personal consumer reports

I was shocked to find inaccurate accounts on my credit report this morning, and I can't understand why they're there. I check my report regularly, but this time, there were unexpected discrepancies. I even tried refreshing my browser, hoping it was just a glitch, but the errors remained. Because of this, Im urgently asking that the documents Ive sent be reviewed thoroughly so that I can avoid this stress in the future.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block Inc. ) due to inadequate customer service and unfair practices, which violates the Consumer Financial Protection Act ( CFPA ) Specifically, Cash App failed to take timely and effective measures to prevent and address fraudulent transactions on their platform. Leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit card or prepaid card

I had a Capital One payment due which I submitted an on time payment for, it posted on time on XX/XX/XXXX for {$30.00}. 

I am visually impaired and did not notice the minimum due was {$34.00} so I was charged a late fee on XX/XX/XXXX. 

I contacted capital one and they see Ive never been late and messed up once because I have a hard time seeing and they refused to refund me.
Product: Mortgage

Wells Fargo is denying us a loan modification, they will only agree to a short sale. My husband and I will be filling paperwork with the Attorney General office to attempt to avoid foreclosure. Prior to our mortgage ballooning 17 months ago we were never behind in our mortgage for 10 years. WF continues to deny us being that our income doesnt meet the qualifications for new mortgage. Our income is more now than it was when we purchased our home. We know now that after 10 years we were sold a home that we did not qualify for in the beginning. Why should we now suffer due to being scammed? Please help us with this situation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX : ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : XXXX XX/XX/year> XXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year> As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Vehicle loan or lease

Im requesting a copy of the 1099c for this account to verify with the Internal Revenue Service that the amount that Ally Financial is what their reporting. This debt is considered a charge off However, this actually considered income because I should have received a 1099c in order to account for this as income. This is not charged off. Im requesting that this is removed because it is not debt. This is considered income according to the IRS canceled debt income and INCOME SHOULD NOT BE REPORTING ON MY CREDIT REPORT.
Product: Credit card

XXXX USED MY CREDIT CARD TO PAY MY WIFE 'S YEARLY BILL WITH AARP TRUSTED ID. I DID NOT AUTHORIZE THIS YET THEY USED MY CARD. A CARD I DID N'T KNOW I HAD. THEY SHOULD HAVE USED HER CARD ( THE XXXX SHE AUTHORIZED THEM TO USE ) I NEVER AUTHORIZED THEM TO USE MY CARD. IT 'S HER ACCOUNT AND SHE PAYS FOR IT WITH HER CARD.THIS CONSTITUTES FRAUD AS FAR AS I 'M CONCERNED.
Product: Credit reporting or other personal consumer reports

I am filing to dispute an item on my credit report issued by XXXX XXXX XXXX. Upon reviewing my credit report, I noticed an entry that I believe to be inaccurate and damaging to my creditworthiness. The details of the disputed item are as follows : XXXX XXXX XXXXXXXX XXXX Balance Owed : {$8500.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I filed Chapter XXXX include which did NOT include the mortgage ; XX/XX/XXXX it was successfully completed & discharged. XXXX of XXXX was contacted by XXXX the mortgage servicing company that the XX/XX/XXXX payment was missed & after providing proof of payment notified that the XX/XX/XXXX payment was missed & again provided proof of payment ; shortly was again notified that the XX/XX/XXXX payment was missed. While I haven't been able to find proof of that payment I'm sure that it was made. So all payments both before & after XX/XX/XXXX are documented as paid on time. Once the Ch XXXX was over XXXX proceeded to report my timely payments as 30 days late mostly on an every other month basis. Late fees were never accessed. Apparently XXXX applied payments against arrears which caused the late payments. On advise of my attorney I made an extra payment so it would not affect the the mortgage I am now trying to get approved. Fast forward to XX/XX/XXXX SHELLPOINT assume this debt & stated payments made to XXXX & then sent on would not be reported as late yet they did & now I have a 60 day late. 
ATTACHED ; XXXX XXXX MORTGAGE PAYMENT HISTORY, SHELLPOINT STATEMENT
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I contacted TransUnion about the following negative accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$970.00} ). Its been over 45 days and TransUnion havent respond to my request as they are required to by the Federal Credit Reporting Act.