23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

I NOTICED OUT OF THE BLUE MY SECURED LOAN ACCOUNT WITH NAVY FEDERAL CREDIT UNION IS SHOWING OPEN AND 30 DAYS LATE WHEN IT WAS NEVER LATE AND IT IS CLOSED. IT WAS A 12 MONTH TERM SECURE LOAN THAT WAS OPENED ON XX/XX/2018. I WAS NEVER LATE AND THIS ACCOUNT SHOULD HAVE A XXXX BALANCE AND PAID AS AGREE. THE ACCOUNT NUMBER IS XXXX. WAS UPDATED XX/XX/XXXX ACCORDING TO THIS. ALSO THERE IS ALOT OF VARIATIONS TO MY NAME WHICH I WOULD LIKE REMOVED. I JUST WANT MY NAME AS IT APPEARS ON MY IDENITIFICATION. ALSO I NOTICED THAT THE OTHER DISPUTE THAT HAS THE LINK TO MY EMAIL IS DIFFERENT THAN THE ONLINE XXXX ONE. I CAN NOT ACCESS MY REPORT ON ANNUAL FREE CREDIT REPORT.
Product: Debt collection

IsentacertifieddebtvalidationlettertoResurgentCapitalServices(LVNVFundingLLC)onXX/XX/2019.ItwasdeliveredonXX/XX/2019.IreceivedaletterfromResurgentonXX/XX/2019.Ireceivedthedocumentattached.Thereisnoagreementwiththecreditortoauthorizethemtocollectthisallegeddebt.ThereisnobearingofmysignaturestatingthatIhaveassumedthisdebt.Therearenovalidcopesofthedebtagreementstatingtheamountofthedebtandinterestcharges.Noproofthatthestatuteoflimitationsexpired.Nopaymenthistory.Aswellasnolicensenumbertoshowthattheyareregisteredagents.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting ACT, The following Accounts has violated my rights.

15 U.S.C 1681 section 602 ( a ) ( 4 ). States I have the right to privacy.

15 U.S.C 1681 Section 604 ( a ) ( 2 ) : Consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681 Section 611 ( 2 ) ( B ) 15 U.S.C 1681 Section 609 ( a ) ( 1 ) ( a ) XXXX  Account Number XXXX Account Number XXXX Account Number XXXX XXXX XXXX XXXX Account Number XXXX Account Number XXXX Account Number XXXXXXXX XXXX XXXXXXXX Account Number Equifax : ******** XXXX : ****** XXXX : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

these accont don't belong to me. please remove account : 1. Identity Theft DISCOVER FIN SVCS LLC Account Number : XXXX This is not mine.
Product: Debt collection

I received this letter from XXXX/Transworld System continuously, and they claimed that I owned them a XXXX USD debt + XXXX collection fee. 

It might be a part of a duty generated in XX/XX/XXXX, but I did n't import any goods from outside USA. A guy from IL ask me to pay a bill for him because he do n't have a credit card. 
These goods were transported to his place directly, and I did n't know he was importing thing from the XXXX. Now I ca n't contact with him, and I do n't have money to pay the debt ( I 'm already in bankrupt and I do n't have any income ). 

The invoice num of these debt : XXXX The add of the guy who should own these debt XXXX, IL XXXX The phone number of him : XXXX
Product: Debt collection

It has come to my notice that, despite successfully disputing and having this account removed from my credit reports with other bureaus, the same fraudulent entry continue to exist on the report maintained by your agency. 
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX have already removed this account from their records. There was an error present & they were able to find it. I'm confused how you've verified it while the other bureaus have removed. Please delete this from my file. It is inaccurate, erroneous, incomplete or unverifiable. 
I have attached copies of the supporting documents that were previously submitted and accepted by other credit bureaus as evidence of the fraudulent nature of these accounts. The swift action taken by these bureaus in removing the entries further underscores the veracity of my claims. 
It is perplexing and frustrating that your bureau has not taken similar corrective measures, especially when other credit reporting agencies have acknowledged and rectified the issue promptly. The inconsistency in reporting across bureaus is not only confusing but also damaging to my financial reputation.
Product: Debt collection

I checked my XXXX and XXXX credit report last week and noticed a " Alleged debt '' had been added by a collection agency by the name of " XXXX XXXX XXXX '' I was never sent a dunning letter about this debt which is a clear violation of the Fair Credit Reporting act. I can affirm that I have never received a dunning letter about this alleged debt. I demand for them to remove this account from my XXXX credit report immediately.
Product: Bank account or service

Chase Bank received a levy from State Attorney Generals Office. Chase placed a hold on funds in my checking account for double the levy amount. Chase also issued a fee of {$75.00} for this process. Is this legal? Why is my bank able to freeze money beyond the levy amount?
Product: Checking or savings account

RE : Unauthorized transfer of decedent 's XXXX XXXX 's funds I am writing this complaint in my formal capacity as the personal representative of the estate of XXXX XXXX XXXX, who passed XX/XX/year>. I am deeply concerned to learn that navy federal Credit Union transferred funds from XXXX 's account to a funeral home without proper legal authorization.There was no personal representative, beneficiary, or payable-on-death designation on the account to justify such an action.To add after I questioned how this could happen and it violates the fiduciary duty of the bank I was told by case specialist XXXX XXXX that it was an " internal '' decision and she wasn't allowed to tell me what that consists of? I have been unsuccessful in obtaining any satisfactory explanation from the representative who managed this case. 
I would like to remind you of the fiduciary duty that Navy Federal Credit Union holds in managing its customers ' accounts, particularly those involving deceased account holders. According to federal and state banking regulations, including the Uniform Probate Code and relevant sections of the Electronic funds Transfer Act, financial institutions are prohibited from disbursing funds from a decedent 's account without proper legal authority. Navy Federal has a fiduciary duty to protect the assets of its deceased customers until the proper legal processes have been followed.This typically involves a court-appointed executor or personal representative, which I am. 

The unauthorized transfer of XXXX 's funds not only violates these legal standards but also constitutes a breach of fiduciary duty. I am therefore compelled to take further action to rectify this matter. This is a formal complaint with the CFPB and I intend to file with the Federal Deposit Insurance Corporation ( FDIC ), and any other relevant governing bodies. Navy Federal 's actions have caused undue hardship and stress on the family as XXXX is now buried in a place the family did not agree upon because Navy Federal sent a cashier 's check to a funeral home on the direction of a person who was not XXXX XXXX  legal personal representative or executor.I intend to hold Navy Federal Credit Union accountable. 

Please respond to this complaint within 14 days to avoid escalation of this issue.I trust that Navy Federal Credit Union will take the necessary steps to address this and uphold the fiduciary responsibilities expected of a financial institution of it's stature.
Product: Debt collection

Hello Beginning XXXX XXXX I disputed an amount on my credit report that was not owed. The attorney continued to call and Harass me about this amount of {$2100.00}. I explained I did not owe that amount. They refused to listen to me. 

Now the credit bureaus job was to gain evidence that the amount was inaccurate or correct. They continued to report that it was correct without even doing their job. Therefore this was to be deleted from my account within 30 days. I disputed 6x for an entire 8 months and no one listened to me. The Fair Credit Reporting Act states to verify and/or DELETE these inaccuracies within 30 days. They failed to do so. Why are they allowed to continue to keep this on my report inaccurate for 3 years? I want this deleted. I noticed recently that the price was changed, even after XXXX sent me a letter stating Paid in full, XXXX balance.

I 'm unsure why this amount is changed after almost 4 years. I called the National Credit Systems and they refused to delete it still. This is unjust to the laws that were put in place to protect the consumer. The new amount of {$620.00} on my report should be deleted and obsolete. 

I have been unable to secure a safe apartment for my children due to this inaccuracy that I reported in XXXX to all 3 bureaus MULTIPLE times for 8 months. Broken leases are not considered under any circumstances. 
This has gone on longer than the 30 day requirement to wait for an answer. 8 months longer. 
I want this deleted from my report as that was suppose to be done in XXXX XXXX after the inaccuracies were not investigated properly or deleted in a timely manner. 
How many people are being overcharged inaccurate fees that were not correct from the beginning? How many Americans are suffering with inaccurate debt placed on them due to a company mistake? I am not the only one. This should be stopped and the proper authorities should step in and give proper penalties to the bureaus and creditors for not following the Fair Credit Reporting Act accurately. Is n't that way it was written? 

Thank you for your time and help.
Product: Credit reporting

I am filing this complaint because I think what Experian is doing to me is wrong, unethical and may be against the law. A letter was mailed to Experian on or around [ XXXX/XXXX/15 ]. 
I clearly stated my concerns to them regarding inaccurate, questionable or unverifiable information listed on my credit report. I also provided a clear copy of my ID, proof of my social security number and a proof of my current mailing address. 
On [ XXXX/XXXX/15 ] I received a notice from Experian stating the following : '' We received a suspicious request in the mail regarding your personal credit report and determined that it was not sent by you. Suspicious requests are reviewed by Experian security personnel who work regularly with law enforcement officials and regulatory agencies to identify fraudulent and deceptive correspondence purporting to originate from consumers. 
In an effort to safeguard your personal credit information from fraud, we will not be initiating any disputes based on the suspicious correspondence. 
Experian will apply this same policy to any future suspicious requests that we receive regarding your personal credit information, but we will not send additional notices to you of suspicious correspondence. 
If you believe that information in your personal credit report is inaccurate or incomplete, please visit our website at experian.com/validate dispute or call us at XXXX XXXX XXXX XXXX XXXX to speak directly to an Experian consumer assistance representative. " However, an Experian confirmation number was not even provided on this notice. I can not imagine what could have possibly been " suspicious '' about my correspondence to Experian. I should not have to spend endless hours on phone calling the credit bureau back and forth attempting to resolve the issues on my credit report! I am filing this complaint because Experian will not respond to any letters that I am sending in. I 'm sure this could be a violation of my rights and Experian should not be deliberately disregarding my concerns
Product: Credit reporting or other personal consumer reports

I recently revised a copy of my credit report and noticed accounts that are fraudulent with inaccurate data. I am requesting those accounts to be removed because they are hurting my credit.
Product: Credit reporting or other personal consumer reports

I have made multiple attempts to unfreeze my credit with Trans Union. Their website doesn't work, their chat service is a joke, it goes round and round saying the same XXXX info that doesn't work either. I finally had to call wait to get someone and they asked questions about where my dad 's 4th wife lives who I haven't spoken to for 39 years. They were married for several months when I was 19ish. 
It was a ridiculous frustrating process that took an hour to simply unfreeze my credit. Credit I never asked them to data base or spit out some XXXX  score. They should not be allowed to operate basically holding my ability to manage my credit hostage!

Also, I was told just now they discontinued the pin number ID ( which I have ) and I was never notified. They asked me to approve receiving an email from them but wouldn't tell me what the contents of the email would be. How is that even legal? You can't consent to what you don't know! 
Please force them to shut down- they don't deserve to be a company! 
If as a consumer, I could choose to not work with them - I would! 
Thank you, This happened today XX/XX/2023.
Product: Credit reporting or other personal consumer reports

Navy Federal Did not report XXXX credit card to any Credit reporting agency since XXXXXX/XX/XXXXcan see XXXX on or about XXXX and XX/XX/year>. The Mortgage department refused Mortgage XXXX and XX/XX/year> claiming they could not see XXXX account XXXX But was able to see it from the previous pull. I am the original true lender and creditor, and Navy keeps taking my credits and not extending them to the rightful owner Initial on auto loan XXXX and XXXX as well as XXXX and XXXX on the mortgage applications. The company sent a denial the first time. Then claimed they could see the report in which they can see actually.
Product: Credit reporting or other personal consumer reports

I AM WRITING THIS PRE-ARBITRATION DEMAND IN CONTINUATION OF MY PREVIOUS NOTICE OF DISPUTE REGARDING THE INACCURATE CHARGEOFF WITH NAVIENT ON MY CREDIT REPORT. DESPITE MY INITIAL COMMUNICATION AND YOUR ACKNOWLEDGMENT OF THE DISPUTE, THE DISPUTED ITEM HAS NOT BEEN ADEQUATELY ( REMOVED ) RESOLVED. THEREFORE, I AM COMPELLED TO ESCALATE THE MATTER AND REQUEST A RESOLUTION THROUGH ARBITRATION, AS PROVIDED FOR IN EXPERIAN 'S ARBITRATION AGREEMENT. I AM AWARE THAT UNDER EXPERIAN 'S ARBITRATION AGREEMENT, EXPERIAN IS RESPONSIBLE FOR PAYING HALF OF THE ARBITRATION FEE. HOWEVER, CONSIDERING THE SUBSTANTIAL COSTS ASSOCIATED WITH THE ARBITRATION PROCESS, I AM PROVIDING EXPERIAN WITH AN OPPORTUNITY TO AVOID THESE EXPENSES ALTOGETHER. IN ADDITION TO THE REQUEST FOR A COMPREHENSIVE INVESTIGATION AND RESOLUTION OF THE DISPUTED ITEMS, I PROPOSE THE FOLLOWING SETTLEMENT OFFER : 1. PAY ME THE FULL ARBITRATION INITIATION FEE : THE INITIATION FEE FOR ARBITRATION ( FOR THE CORPORATION ), AS OUTLINED BY THE XXXX XXXX XXXX ( XXXX ) GUIDELINES, TYPICALLY EXCEEDS {$3000.00}. TO SETTLE THIS MATTER EXPEDITIOUSLY AND AVOID THE SIGNIFICANT COSTS AND TIME INVOLVED IN FORMAL ARBITRATION PROCEEDINGS, I REQUEST THAT EXPERIAN PAY ME THE FULL AMOUNT OF THE ARBITRATION INITIATION FEE. I BELIEVE THAT THIS SETTLEMENT OFFER REFLECTS A FAIR AND REASONABLE RESOLUTION, TAKING INTO ACCOUNT THE COSTS EXPERIAN WOULD OTHERWISE INCUR DURING THE ARBITRATION PROCESS. ACCEPTING THIS OFFER WOULD SPARE BOTH PARTIES THE FINANCIAL BURDEN AND EXTENSIVE TIME COMMITMENT ASSOCIATED WITH FORMAL ARBITRATION. FURTHERMORE, IT IS IMPORTANT TO NOTE THAT SHOULD EXPERIAN DECLINE THIS SETTLEMENT OFFER, I WILL PURSUE THE ARBITRATION PROCESS AS PROVIDED FOR IN EXPERIAN 'S ARBITRATION AGREEMENT. IN THAT EVENT, I WILL SEEK APPROPRIATE REMEDIES, INCLUDING BUT NOT LIMITED TO COMPENSATORY DAMAGES FOR FINANCIAL HARDSHIP, EMOTIONAL DISSTRESS AND OTHER DAMAGES RESULTING OF INACCURACY OF MY CREDIT FILE. I KINDLY REQUEST THAT YOU PROVIDE A WRITTEN RESPONSE WITHIN 15 DAYS OF RECEIVING THIS PRE-ARBITRATION DEMAND AND MONETARY SETTLEMENT OFFER. YOUR RESPONSE SHOULD INCLUDE YOUR ACCEPTANCE OF THE SETTLEMENT OFFER, ALONG WITH THE ACTIONS TAKEN TO INVESTIGATE AND RESOLVE THE DISPUTED ITEMS. FAILURE TO RESPOND OR DECLINE THIS OFFER WITHIN THE SPECIFIED TIMEFRAME WILL INDICATE YOUR UNWILLINGNESS TO RESOLVE THE MATTER AMICABLY, AND I WILL PROCEED ACCORDINGLY. PLEASE ACKNOWLEDGE RECEIPT OF THIS LETTER WITHIN 10 DAYS. THANK YOU FOR YOUR ATTENTION TO THIS MATTER. I HOPE THAT WE CAN REACH A FAIR AND MUTUALLY AGREEABLE RESOLUTION WITHOUT RESORTING TO FORMAL ARBITRATION OR FURTHER LEGAL ACTION. YOUR PROMPT RESPONSE AND WILLINGNESS TO RESOLVE THIS MATTER IN A TIMELY MANNER WILL BE GREATLY APPRECIATED.
Product: Debt collection

XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> Re : Urgent Request - Fraudulent information Block under Section 605B of the FCRA To Whom It May Concern : I am writing to urgently request the removal of fraudulent accounts and inquiries on my credit report due to identity theft. The inaccurate information is causing significant harm to my credit, and I expect immediate corrective action. Per Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), the following fraudulent accounts must be blocked and permanently removed from my credit file. I am invoking my right to have fraudulent information blocked and permanently removed from my credit report within XXXX ( XXXX ) business days from the date of receipt of this letter. 
Account Name : Action Credit XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX TX XXXX XXXX Failure to comply with this request will leave me no choice but to pursue legal action. If this fraudulent information is not blocked and removed, I will file complaints with the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), and I will seek monetary damages for the harm caused by continued reporting of these inaccuracies. I also demand the immediate removal of all unauthorized inquiries related to this identity theft, which were not authorized by me and have negatively impacted my credit. If these inquiries are not promptly removed, I will escalate this matter to the appropriate legal authorities. I expect written confirmation by XXXX BUSINESS DAYS FROM THE LETTER DATE confirming that the fraudulent account and any related unauthorized inquiries have been fully removed from my credit report. This is a time-sensitive matter, and you are now officially on notice. Failure to act promptly will result in further legal action to protect my rights and restore my credit. Thank you for your immediate action to this issue. 

XXXX XXXX
Product: Student loan

I had my loans through GreatLakes.org initially. It has recently transferred to XXXX. 
It's been 10 years since graduation and I have been paying faithfully every month. At no time was I told about the Public Service Loan Forgiveness Program by my lenders and they never mentioned consolidation of my loans until I phoned and asked. 

About 5 years ago, I tried to apply for PSLFP with Great Lakes and was told I did not qualify. They did not offer to consolidate my loans of inform me of any of the terms of the program. I thought it was a scam! 
Recently it came up in our office again and I reapplied and got my application forms filled out by my employer and sent to XXXX XXXX. When I followed up with a phone call they told me I needed to consolidate and this would set the clock for 10 years from now! 

I am nearly finished paying my loans, but it would have been nice to have that information 10 years ago when I graduated. Hope this helps.
Product: Mortgage

I 'm a  XXXX   XXXX   XXXX   XXXX  with a   XXXX   year child. I tried to refinance my house and use some of my equity in my home to pay for my  XXXX   year olds educ ational expenses. Over one year ago the title company came back and said the title to my home was clouded as a result of clearly fraudulent assignme  nts by OCWEN.
Enclosed you will find the title opinion from last year. OCWEN REFUSES TO EVEN ADDRESS THIS ISSUE.       How can this be right? I am entitled to use the over  XXXX  in equity in my home and ca n't as a direct result of fr aud by OCWEN. I simply have asked them to fix the assignments. I wanted nothing from them other  than to do what is legally required.
Product: Student loan

I was trying to address my outstanding private loans with Navient ( approximately {$2800.00} ) while my federal loans ( approximately {$260.00}, XXXX ) was in forbearance/deferrment till next year. I recently renewed the forbearance/deferment. 

On XX/XX/2020, I received an email from Navient stating that my student loans have over {$71000.00} attached to it and it is suddenly in repayment. I am presently unemployed and collecting unemployment This is daylight robbery and FRAUD!
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not looking for this complaint to be changed to a request for a dispute. Ive done that already. I am looking for this information to be DELETED per the XXXX. The creditors have had XXXX days and XXXX dispute letters sent to resolve this and they have failed. Now it is time to DELETE the accounts per the XXXX. Please do not close this complaint without resolving this completely. Thank you
Product: Vehicle loan or lease

I am writing to formally complain about my recent car purchase from your dealership. On XX/XX/year>, I bought a XXXX XXXX that was advertised on XXXX website at a lower price than the final price I was charged. This discrepancy was due to misleading information about additional fees such as seaport fee, government fees, state fees, and sales tax. 

Furthermore, the car was supposed to have its interior and exterior damages fixed, but the repairs were only partially done. Despite car dealership assurances, I was pressured into signing the paperwork under false promises. The car was kept for two weeks by the dealership, and when it was finally delivered, it did not meet the promised warranty and condition. 

Over the next two months, due to my absence, I couldn't address these issues immediately. However, dealership continued to promise resolution, only to inform me later that no further action would be taken. I called several times to Capital One to cancel all transactions with the dealership they are ignoring me and supporting dealership which it seems to me they are cooperating and scamming customers.
Product: Checking or savings account

I have a {$35.00} fee coming out of my account at least twice a month and over a 5 year period. Not including the " late fees '' on a credit card that isn't even in use. Wells Fargo is who XXXX wish he was.