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

I have a credit card with Navy Federal Credit Union ( NFCU ). I have not received a regular monthly billing credit card statement in over a eight months. I have called NFCU several times about this issue to inform them I am not receiving monthly statements. I have called in the past to have old statements emailed and mailed to me and they are able to do that, but they will not send me periodic statement for my credit card account. 

I called again today XX/XX/XXXX and informed a representative of the same issue of not receiving monthly statements. I verified my address, which in correct in their system. The representative placed me on hold and stated she spoke with four different departments and the conclusion is my monthly statements are suppressed and I have a security alert on my account and that's why I have not been receiving monthly statements. I asked the rep " so how do I know how much to pay every month and whats my balance. '' The rep told me I had to call in every month and get the information, just like I am doing now. I told the representative that was illegal not to send me a monthly billing statement and she told me is not illegal because I have a security alert on my profile. I asked to be transferred to a supervisor. 

I informed the supervisor of what the representative told me about not being able to receive a monthly billing statement and of course the supervisor, whom was trying to cover up for their illegal actions stated that was incorrect and I should be receiving a monthly statement. The supervisor placed me on hold again for several minutes and spoke to different departments. Now that they know, I am aware of the law and I should be receiving a monthly credit card billing statement, their conclusion changed. The supervisor told me the statements were not suppressed and they have been mailing out statements every month. I informed the supervisor that is incorrect, I have not received a monthly statement via mail or electronic means. The supervisor told me to check with the post office because they have been sent XXXX I have absolutely no problem receiving mail from any other person or entity and the post office is not to blame for NFCU illegally actions XXXX. I know for a fact what the supervisor told me was incorrect, because when I called a few months ago another representative told me the statements were not being mailed out. 

The Credit Card Accountability Responsibility and Disclosure ( CARD ) Act of XXXX is very clear. Navy Federal Credit Union is not adhering to the law, under the CARD Act, TITLE ICONSUMER PROTECTION, SEC. 163 ( a ). TIMING OF PAYMENTS, where in which it states : to ensure that each periodic statement including the information required by section 127 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. Navy Federal Credit Union has not mailed or delivered a periodic statement, which is in direct violation of federal law.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear EXPERIAN : I XXXX XXXX XXXX, a women, respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate this matter and delete all disputed item ( s ) listed below. 

ADDRESSES : ( 1. ) XXXX XXXX XXXX XXXX XXXX, AR XXXX : I DO NOT LIVE THERE ( 2. ) XXXX XXXX XXXX XXXX, AR XXXX : : I DO NOT LIVE THERE The following item ( s ) is inaccurate and negatively effecting my credit. Please reinvestigate and delete ALL item ( s ). I respectfully request that you provide me with proof of the disputed item ( s ), specifically any contract, applications, note, court documents or any instrument ( s ), bearing my wet ink signature. Failing that, you must delete ALL item ( s ). 

NON ACCOUNT INQUIRIES LESS THEN 30 DAYS OLD : ( 1. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX XXXX   Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX ( 2. ) XXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - XXXX XXXX XXXX XXXX Address - XXXX XXXX XXXX ( 3. ) XXXX XXXX XXXXXXXX Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX XXXX Date Filed - XX/XX/XXXXType - All Banks - non specific Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX ( XXXX. ) XXXX XXXX I Date Filed - XX/XX/XXXX Type - XXXX XXXX Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX XXXX XXXX. ) XXXX XXXX Date Filed - XX/XX/XXXX Type - XX/XX/XXXX Company Phone Number - ( XXXX ) XXXX Address - XXXX XXXX XXXX It is my understanding that under law you have 30 days from the receipt of this letter to validate these item ( s ). It should be understood that failure to do so within the 30 day period constitutes reason to immediately delete this item ( s ) from my credit report. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me the item ( s ) has been deleted. You may send an updated copy of my credit report to the below address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification. 

XXXX XXXX XXXX XXXX XXXX AR, XXXX Sincerely,
Product: Credit reporting or other personal consumer reports

I have been a victim of identity Theft. My information has been exposed in the XXXX data breach. The following ITEMS are not affiliated with me nor are they authorized by me and I would like them to be removed from any affiliation with me immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax continues to report inaccurate information on my account -items have been disputed, however, they continue to report and are causing me problems
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2021 ORIGINAL CREDITORS : XXXX  XXXX XXXX, XXXX. 
XXXX XXXX  XXXX XXXX, TX XXXX ( XXXX ) XXXX Dear Sir or Madam : I am writing to dispute the following information in my credit report file. I have circled The items I dispute on the attached copy of the report I received.The information on XXXX  XXXX XXXX, XXXX. 
Original Creditor : XXXX  XXXX XXXXXXXX XXXX.account number ISNT DISPLAYED with a CREDIT SCORE OF XXXX which is inaccurate because I've been contacted by MANY companies about a debt you allege I owe several times. You also have my name listed wrong, it is, XXXX XXXX XXXX. What you have listed is XXXX XXXX XXXX XXXX XXXX! I also never lived at XXXX Whispering XXXX XXXX, XXXX XXXX, FL XXXX XXXX I am instructing you not to contact me any further in connection with this debt. Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I am requesting that the item be removed immediately. 
Please reinvestigate this matter to have them delete the disputed item [ s ] as soon as possible. I am writing to dispute the following information in my credit report file. I have listed above the items I disputed, the information on identifying disputed items, creditors name and whether it is a credit account, court judgment, etc. it is inaccurate. 
This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), to prescribe Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
The Bureau of Consumer Financial Protection ( Bureau ) is issuing this final rule to revise Regulation F, which implements the Fair Debt Collection Practices Act ( FDCPA ) and currently contains the procedures for State application for exemption from the provisions of the FDCPA. The Bureau is finalizing Federal rules governing the activities of debt collectors, as that term is defined in the FDCPA. The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. 
This rule is effective XX/XX/2021. Please reinvestigate this matter and delete the disputed item as soon as possible. 
Sincerely, XXXX XXXX XXXX, Thank you
Product: Mortgage

XXXX Habitat for Humanity is in violation of our clients right to counsel and RESPA guidelines - we have attempted to contact the lender and opposing counsel since XX/XX/XXXX for loan information and to discuss a workout option for the client via loss mitigation - the lender and or opposing counsel was contacted on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, No one has responded to our voicemails left for each - each time we have reached out to them no one has returns our call and at this point they are unwilling to assist this client in a workout option.
Product: Credit card or prepaid card

On XX/XX/2022 I found out my card was over the limit. I then found out the reason, someone had used it in XXXXXXXX XXXX without my permission. They had gone to XXXX XXXX, a liquor store and bought Gift cards, as well as XXXX Parking meters. 

I notified the Continental Finance, aka XXXX XXXX XXXX  about the fraud. I have spent hours on the phone to get resolved. I am still waiting on the replacement Credit card. 

Their website is NOT user friendly at all. XXXX graphics and unable to easily navigate, download and solve muchless understand the many fraudulent charges. 

I have used hours on the phone. Today is the last straw after being promised over and over my replacement card was being mailed only to call back days later and it has not been mailed. But today when I tried to log on I am notified " unable to grant you access at this time. Please contact XXXX Services and XXXX XXXX XXXX XXXX After calling and getting the same XXXX script from XXXX  representatives I was told to call back and get try to get someone. He then puts me on hold until the phone dropped and I had to call back. 

I have never spoken with XXXX, the fraud manager assigned to my account. 

Now I learned the replacement account was flagged as fraud as well. I was told not to make any payment on the account until I get the 3rd replacement card and call back in, but I am responsible for all legitimate charges. I tried making the account and keep getting passed and find out my account is now closed and all I can do is pay this account off in full or it will be turned to collection. 

This has caused my credit score to drop over XXXX points. It cost me time, energy, money, physically as well as reputation. 

I am so frustrated. I need to find an attorney for class action as I am sure I am not the only person having this issue with them. Thanks
Product: Debt collection

Diversified Consultation has been harassing me about a debt with XXXX XXXX that I do not owe. I have made numerous attempts including speaking with customer service to resolve the issue. At no time have I signed a contract with XXXX XXXX. Diversified has not been any help with resolving the issues, neither are they able to provide me with any legal documentation holding me accountable for the bill.
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and I am a victim of Identity Theft. I have XXXX XXXX XXXX cards on my credit report for {$420.00} and {$1200.00} totaling out to {$1600.00}. Also XXXX inquiries that aren't mine XXXX XXXX XXXX XXXX and XXXX XXXX XXXX Please remove these inaccurate accounts and inquiries as soon as possible. Attached is my FTC report, ID, and social.
Product: Credit card or prepaid card

I contacted CFPB on XX/XX/XXXX to report that inXX/XX/XXXX, Bank of America ( BOA ) denied my request for an increase in my credit limit on my Bank of America credit card. At that time, it cited as its decision : *Utilization of your credit is too high *Current or past delinquency with one or more of your creditors *Too many consumer finance company accounts For more than a year, I have been renovating my home, so my credit utilization that BOA felt is too high is reflective of those renovations. My credit is current and well-managed. I disagree with BOA 's assessment of my credit utilization, but there appears to be little that I can do about this issue. However, I adamantly object to the remaining two reasons that BOA cited -- delinquencies and finance companies on my credit report. 

There were no delinquencies or finance companies listed on my credit report when I requested the credit increase in XXXX of XXXX. Therefore, when I submitted my complaint to CFPB in XXXX of XXXX, I specifically requested that BOA state exactly what delinquencies and finance companies it identified. 

In late XXXX of XXXX, I received a written response from a BOA representative named XXXX XXXX. Mr. XXXX regurgitated exactly what was stated in the original letter of denial that was sent to me in XXXX of XXXX. Mr. XXXX failed to satisfy my request to specifically state exactly what delinquencies and finance companies it identified. 

I faithfully review my credit file at the start of each year because I do not like surprises. I know exactly what is on my credit report. All errors or items of concern that I find are immediately reported for correction, which is why I am requesting that BOA/Mr. XXXX clearly identify by name the items that it cited as the reason for its decision. BOA is either deliberately misrepresenting the information it alleges is in my credit report or it is reviewing inaccurate information -- information that is not on the reports that I review every single year. I am attempting to get to the bottom of a problem that BOA alleges exists. Since it is making statements that I know are inaccurate, it must clarify those statements. 

I am again requesting that BOA provide me with the requested information. I will not consider this complaint closed until BOA has responded to my satisfaction. 

The CFPB reference number for my XXXX to CFPB is XXXX.
Product: Credit reporting or other personal consumer reports

This account is from XXXX XXXX the original creditor it was paid and closed and transferred/sold to XXXX XXXX XXXX XXXXXXXX once XXXX XXXX XXXX XXXXXXXX got the account they started to illegally report to all the consumer reporting agency that the account had a balance and falsely reported that I made a payment on XXXX XXXX which I never did they said it came from a secured account but the account listed as an unsecured on XXXX by XXXXXXXX XXXX XXXX XXXXXXXX and the next inacurassie is XXXX reported it as paid and never late transferred /sold with no balance remaining XXXX XXXX XXXX XXXX listed as a balance due that another violation and its also listed as a collection charge off with a past due balance and the final inaccuracy is where did this remaking balance come from if XXXX XXXX the original creditor listed it as paid enclosed is a copy of how it is being reported on XXXX there are several inaccuracies and according to the fcra I am afforded a fair and accurate and verifiable consumer report and I am not getting that with XXXX and this account being reported wrong
Product: Credit card or prepaid card

OM XX/XX/XXXX WE BECAME AWARE OF A FRAUDULANT CREDIT CARD OPENED IN OUR NAME. WE WROTE AN EMAIL TO XXXX WITH NO RESPONSE.

XX/XX/XXXX - MADE XXXX AWARE OF THE ISSUE BY EMAIL ON THEIR WEBSITE XX/XX/XXXX - CALLED BANK AND TOLD THEM IT WAS FRAUD - THEY ARE INVESTIGATING XX/XX/XXXX - FILED IDENTITY THEFT LETTER WITH FTC XX/XX/XXXX - MAILED LETTER TO XXXX XXXX XX/XX/XXXX - IT APPEARED ON CREDIT REPORT AS NEGATIVE XX/XX/XXXX - XXXX TALKED TO BANK AND " THEY ARE INVESTIGATING '' XX/XX/XXXX - RECEIVED PHONE CALL FROM COLLECTIONS XX/XX/XXXX - RE-WROTE LETTER FROM FTC FOR IDENTITY THEFT
Product: Mortgage

In XXXX of 2020 my insurance company reached out to my lender XXXX XXXX at Bancorp South and asked for a payment for the escrowed amount owed. He asked for a statement and the insurance sent it over. The company sent it over with my name XXXX XXXX and in the name of our Company XXXX  XXXX XXXX XXXX. Instead of adding my husbands name XXXX who is the loan holder. XXXX after several emails to the insurance company never expressed the issue nor did he call me to correct it very quickly. He allowed the insurance to laps and Bxs put their backup policy on it with out my knowledge. In XX/XX/2020 Hurricane Sally hit and we had Loss of Use and some damage to the condo. I went to file the loss on my policy, only to be told I was NOT insured. After much discussion and communication ( see attachment ) I reached out to the Customer Service dept at XXXX, after I got no help from XXXX. To be clear, I was never informed that due to a clerical issue the escrowed amount would not be released, and never did my mortgage payment change to reflect that. I investigated further and the small act of XXXX calling me and or speaking to my insurance rep about the issue would have set in motion the adding and or changing of the policy name to as simple as a call. Bancorp South has my complaint in house for over a month and are now not returned my calls. 

Due to my not being able to claim Loss of Use and receive funds to compensate and the fact that I can not rent my condo means I am at a deficit. I am close to not being able to pay my mortgage and loosing my property. I need a resolution and I want XXXX to reimburse me what I would have relieved from my insurance company to keep afloat.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Lockhart, Morris XXXX XXXX XXXX XXXX XXXX XXXX My wife and I have disputed these accounts on her credit reports detailing why they are wrong. Their self reporting refused to acknowledge the factual information we have submitted and keep report on all three credit bureaus.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are several accounts which appeared on my credit report without my knowledge. I did not open the accounts, I am not related to any transactions that were made on the accounts.. I asked the credit bureaus where did they get this information but they just gave me a print out showing its verified. This is not enough justification that the accounts are mine.. There is no proof or a contract with my signature that I am the correct party responsible for the accounts. XXXX XXXX Original Creditor : XXXX XXXX ) XXXX, ( Original Creditor : ) XXXX, ( Original Creditor : ) XXXX
Product: Checking or savings account

I had over {$13000.00} stolen from my account by an employee who had taken several checkbooks without my knowledge and wrote himself checks and forged my signature. Because I didn't catch the fraud within 30 days, the bank is refusing to cover the stolen checks. Many of the checks were cashed at the bank itself over a span of over 2 months. I find it ridiculous that if it is caught within 30 days you are fully reimbursed, but if it's over 30 days, you are reimbursed nothing.
Product: Credit reporting, credit repair services, or other personal consumer reports

I had contacted all the collections on my credit score. None of them could provide any proof that they had saying it was my debt. I asked them to remove the debts and they stated they couldnt do so. I called them about 2 months ago and I had been told to reach out to you guys and get the items removed.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the fair credit reporting act XXXX  account number XXXX has violated my rights. 
15 USC section 602 States I have the right to privacy.

15 USC 1681 section 604 A section 2.8 It also States a consumer reporting agency can not Furnish a account without my Is written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account Under open in consumer Plan as late payment for any purpose.
Product: Money transfer, virtual currency, or money service

On XX/XX/2021 I received a text from what I believed to be bank of america asking if I attempted to pay a friend {$3500.00}. I responded No, within a minute a phone number called me XXXX same number on the back of my debit card XXXX ) and said they were with Bank of America Fraud Protection department and to verify that the number they are calling me from matches the number on the back of the card. Which it did. They told me the only way to get my money back was to add myself to XXXX to make a transfer from another account I have in order to file a claim on the account they " took '' money from. I was paranoid, so I followed what they said. After transferring the money we got disconnected. I called the number back and someone from Bank Of America told me i was spoofed. I was so angry. I filed a dispute with the bank but they told me that It was a scam and not fraud so therefore I would not be able to have my {$3500.00} refunded. I am completely saddened by this. I filed a report with the FTC and my local Police department as well. 
I have no information on the recipient of my money except the fact that I received an email saying that I transferred myself money through XXXX quick pay. I do not have any affiliation with XXXX XXXX at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

Debit owed to IRS was paid in full with 2016 tax return refund. Refund was taken directly by IRS. They did not report it paid.
Product: Credit reporting or other personal consumer reports

Information has been reported on my credit and is fraud. Equifax failed to remove fraudulent Information.