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

Current customer with XXXX  XXXX Navy Federal Credit Union. The issue began to occur on Monday XXXX at the Navy Federal XXXX XXXX  XXXX Va XXXX I initiated a question about the XXXX XXXX XXXX at the Branch. It was stated that I can not use the card at Navy Federal ( per a supervisor ), but only for store purchases. The provided information given by the Supervisor was false/misleading to my knowledge that states more available usage than store purchases. I reviewed all of the guidelines for the pre-paid card, but was given a different version. As of XXXX I have been having several issues with my account log-in with resetting my password ( for both ( personal/business ) encountering multiple failed attempts to gain access, and I feel as thou my online/mobile app sign-in attempts have been compromised by the Institution ( NFCU ). No previous issues with my userid/password information other than temporarily unavailable services. I have been banking with NFCU for years this occurrence is very unusual. Customer rights, I called NFCU customer service requesting the name of the last associate to access my account. XXXX XXXX accessed my account on XXXX ( dont recall ) speaking to this person. I feel this is a privacy violation to access my account without a probable cause, or do not recall speaking this associate. I did attempt to make an always ( never missed ) on-time payment on my credit card that was due on today XXXX. I feel as thou my account has been tampered with, and my personal privacy act rights have been violated.
Product: Debt collection

I called XXXX  XXXX XXXX billing department to find out why I had a balance, as I set up a payment plan with them over the phone and app, 8 times between XXXX. Each time, the date of the auto draft would approach, and XXXX XXXX XXXX wouldn't take it. And it would go past due. I called, and messaged, and told them SEVERAL times that it is not taking my payments. The system wasn't even attempting to take my payments. The billing department had me call in XXXX ( the last time i spoke to them ), and they deleted the existing payment plan, and then they would reset it up on the phone, and they promised me that it would take the payment this time. Well, we ended up moving out of state. We ended up losing {$90000.00} on the sale of our Texas home and have a lot less money than we used to in XXXX of XXXX. Fast forward to today, and I got connected with H & R Accounts. I told the first representative from the beginning of the call that I tried to pay them several times. I practically begged them to take my money over a year ago. My last attempt to get them to take my money was in XXXX of XXXX before we moved. The representative from H & R accounts said " you don't have the money saved from when you set up your payment plan? '' and I said " money from almost a year ago? No, I don't ... '' and she replied " Hm i guess everyone handles their finances differently '' and I felt completely judged by her. I told her that i had just told her, we have a lot less money now than we did before. I asked for a supervisor, and I was hung up on. I ended up calling XXXX  XXXX XXXX  and settled the debt with them directly. The representative a TXXXX XXXX XXXX told me that they were having system issues back then and not taking payments. Both accounts have been settled in full as of today XX/XX/XXXX
Product: Debt collection

On XX/XX/XXXX I contacted via telephone company ConServe, a Debt Collection Agency located in XXXX, New York that I did not owe a debt to the US Postal Service. ConServe has also " reported '' this information to all 3 Credit Bureaus and the US Treasury Department ( IRS ) to take any " tax refund ''. I explained that I had information that the Judicial Officer of the US Postal Service, Chief Administrative Law Judge XXXX XXXX ruled " twice '' in the year XXXX that I " DO NOT '' owe the US Postal Service. 
On XX/XX/XXXX I was told by ConServe employee that once the information is received by fax they would investigate. To date ( XX/XX/XXXX ) the deragotory information is still on my credit report and ConServe still calls my cell phone number. I need the information deleted from all three ( 3 ) Credit Bureaus and from the US Department of Treasury for the IRS to take my tax refund.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion Consumer Solutions XXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$140.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

XXXX Credit Card with account # XXXX opened on XX/XX/XXXX and a balance of {$640.00}. 
This account is incorrectly being reported as a charged off account with a balance due. Please provide proof of the charge off and update the balance to {$0.00} or delete the negative payment status on this account. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
There are multiple inquiries all within one day of each other on my credit report but I only authorized one of them. Please remove all of these unauthorized inquiries immediately. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report. 

Inquiry from XXXX on XX/XX/XXXX. 
I dont recognize this lender and I dont remember authorizing them to perform a hard inquiry on my credit report.
Product: Credit card or prepaid card

My {$43.00} payment to a Chase Visa account via my XXXX XXXX XXXX  bill pay service shows the transaction completed on XX/XX/2020 ( see documentation ). For some reason, the Chase account statement shows the payment on XX/XX/2020. There is also a {$27.00} late fee, and a {$70.00} minimum payment rather than the previous {$42.00} minimum payment ... with no significant balance increase ( see documentation ). 

I have contacted them by secure messaging, given them basically the same information as I am providing to you. I have not heard from them yet, as their website says it could take over a week for them to respond.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. 
I further remind you that, as in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX - Dist. Court, ( XXXX XXXX XXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.

I have requested that all NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.

In addition, any the contract signed between NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS & the original creditor, notarized and sworn under penalty and perjury NON CREDITORS, COLLECTION AGENCIES, and DEBT COLLECTORS ability to collect this alleged debt.

I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, No. XXXX ( XXXX  XXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

For the past three months, I have been trying to refinance my auto loan and was told by creditors that my DTI was too high. Thinking that my credit card balances were too high, I paid them down. Just today, XX/XX/XXXX, I tried refinancing again and was told the same thing, so I inquired further and was told that XXXX XXXX was reporting a loan with a XXXX balance and an XXXX XXXX monthly payment that started back in XXXX. This information is not true because I was on medical leave from XXXX with a IBR payment of XXXX. However, I did reenter school to complete my XXXX in late XXXX in which I am still enrolled as of today. I am using private student loans to pay for the tuition. I have never made an {$810.00} payment for a student loan, and how can a XXXX balance require an {$810.00} payment. I tried fixing the problem with XXXX XXXX about 15 minutes ago and was met with confusion by the phone tech who had a lackadaisical attitude. A form was sent to me via email asking me to reiterate the problem. I refused to fill out the form.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear citi I had file Disputes with XXXX  reporting agencies XXXX tells me that you verified the information on all Three accounts saying it is reporting correctly correct when you send that information back to XXXX One of you Guy 's are not changing the date if status This is a Violation of the FCRA Transunion tells me that it is your responsibility to this when you reply back via XXXX XXXX This is a violation of the and you could be fined or sued for {$1000.00} per account per bureau I have had to issues before with XXXX they claim they will get back to me in 60 days But 60 days comes and Go so I need to get to the bottom of this to find out which one of you are in violation of the FCRA please Both companies DO NOT SEND ME ANY LETTER VIA US MAIL RESPOND HERE ON THE CFPB SITE LETTING ME Know which one is causing the violation ...
Product: Credit reporting

I HAD A FRAUD ALERT PLACED ON MY CREDIT REPORT. I HAVE RECENTLY TRIED TO HAVE THE ALERT REMOVED, BY CONTACTING THE AGENCY, HOWEVER WAS NOT ABLE TO SPEAK TO ANYONE REGARDING THE REMOVAL OF THIS ALERT
Product: Checking or savings account

Dear Consumer Financial Protection Bureau ( CFPB ), I am writing to express my concern and to file a formal complaint against US Bank. The issue at hand pertains to a promotional offer related to a business checking account which I believe has not been honored by the bank. 

In detail, I opened a business checking account with US Bank due to a promotion displayed on their webpage. The promotion stated that I would receive a {$500.00} bonus if I kept a balance of at least {$3000.00} in the account for a duration of 60 days. Relying on this promise, I ensured to fulfill the necessary condition and maintained the stipulated amount for the required period. 

When I initiated the process of opening the account in late XXXX, the agent handling my application stated that the promotion was scheduled to end by XXXX end. However, my account opening process was delayed until XXXX due to the bank requesting additional documents, which I had to send via fax. 

Upon contacting the bank in XXXX to inquire about the promised bonus, I was informed that the promotional code had already expired at the time of my application. I believe this is a clear case of misleading communication as the delay in opening the account was due to the bank 's requirements, and the expiration of the promotional offer was never communicated to me during the account opening process. 

Moreover, the bank continues to advertise similar offers on their website, indicating a long-term promotional practice. This makes the 'expiration ' excuse questionable and gives me a strong impression of fraudulent and deceptive business behavior. 

In light of the aforementioned circumstances, I kindly request that the CFPB investigates this matter. I hope to ensure that the promised {$500.00} bonus, which played a significant role in my decision to open an account with US Bank, is credited to my account as initially advertised. 

As a consumer, it is crucial to me that businesses honor their commitments and promotions, especially when these promotions are instrumental in influencing decisions about where and how to conduct financial activities. 

Thank you for taking the time to review this complaint. I trust that the CFPB will do its utmost to protect the rights and interests of consumers like myself.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the FCRA Section 15 USC 1692 ( c ) ( c ) : states that a debt collector may not communicate with a consumer in connection with the collection of any debt without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction1. The FDCPA was enacted to address the use of abusive, deceptive, and unfair debt collection practices by many debt collectors2. 

1. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company needs to cease communication with me and delete from my credit profile 2. XXXX XXXX, XXXX : XXXX : {$73.00} does not owe this debt : company needs to cease communication with me and delete account from my consumer report 3. XXXX XXXX XXXX : XXXX : {$4100.00} does not owe this debt and company need to cease and decease communication with me and delete account from my consumer report 4. XXXXXXXX XXXX XXXX XXXX XXXX : Account is not reporting the right info and it violates my consumer rights pursuant 15 USC 1681. Info needs to be accurate, complete and relevant to be reported to a third party and the consumer reporting agency and the company did not receive authorization from me to report my experiences. Under 15 USC 1681 b ( 2a ) ( permissible purpose ) 15 USC 1028a ( criminal ) 15 USC 1681n ( civil liability ). this is grave identity theft and item needs to be revoved from my consumer report,
Product: Debt collection

Social security cards, birth certificates, and bank cards were stolen they belong to my kids and I. Documents were stolen while transitioning from XXXX XXXX to civilian. Multiple credit cards were fraudulently created, as well as a bank account and apartment leases.
Product: Credit reporting or other personal consumer reports

Personal information needs to be corrected and several debts that have not been validated. When I request correction of personal information or validation of the negative debt, I always receive a stall letter accusing me of using a credit repair company.
Product: Credit reporting, credit repair services, or other personal consumer reports

Below I am copying the information that Experian keeps reporting, no matter how many letters or calls I have made to have this information removed and updated correctly. XXXX XXXX XXXX XXXX- Auto Loan. 
Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Auto Loan Each time they say updated, they change the date of last activity. This is illegal. Not one of the bureaus has sent me any information on how they verified anything. Now, since my last letters to both XXXX  and Experian, XXXX has deleted this account. I sent a follow suite letter to Experian and still not even a response. XXXX  never was able to verify or send me any information. I have been disputing the information below that is reporting inaccurately since XXXX of XXXX. I have sent letters and certified letters and all I get from Experian is updated. Updated to what? They update nothing and just type the same information over and over again. I get no responses at all from none of my letters from Experian. I get a letter or post card that states how they investigate, yet I get no proof of documentation or validation. All bureaus are not contacting the creditor to get accurate information. I mailed letters out XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX requesting information be removed or cleared up. All the information is conflicting and no-one wants to help. I feel unvalued as a consumer, and violated. I have sent additional letters to all three bureaus as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Absolutely no updates or removal. Still reporting inaccurate information and also is causing me credit worthiness. Reports are showing derogatory debt. 

In addition to this complaint, I have another complaint in regards to Experian continuously sending an email to me stating my information on disputes have been updated, yet when I log on or follow the email link they send me, ABSOLUTLEY nothing shows up as a response or status for the disputes. Why does EXPERIAN NOT ALLOW ME TO SEE ANY OF MY DISPUTES ONLINE. I never signed up to just receive by mail. EXPERIAN doesn't even send me letters in the mail for responses of disputed information and their statuses. I specifically included in my letters, each one of the letters for over 6 months, to send me something in writing in regards to my disputes.
Product: Credit reporting or other personal consumer reports

I've been a victim of identity theft. My information was exposed to the public in the XXXX data breach and I noticed some unauthorized inquiries on my credit report that are inaccurate and incomplete. This is hurting my chances at getting a mortgage and caused a lot of financial harm and difficulties for me. I need these fraudulent accounts removed expeditiously.
Product: Mortgage

RocketMortgage by Quicken loans has damaged my credit through their incompetence. 

On XX/XX/XXXX, I applied for a mortgage through RocketMortgage. I immediately began working on it with XXXX XXXX at Quicken Loans ( phone number XXXX ). The loan was approved XX/XX/XXXX. 

Through my credit union, I had a {$65000.00} Home Equity Line of credit that was due on XX/XX/XXXX. ( 69 Days after I initiated my refinance ) The mortgage was set up to pay off my existing mortgage and the home equity line of credit. I have over 50 % equity in my Townhouse and this should not have been a hard loan for them to process. 

Prior to verifying the final payoff amounts, they contacted my homeowners association ( HOA ) and got the condo requirements XX/XX/XXXX. But, I believe they forgot to contact them to get the homeowners insurance information that the HOA held. They did that later but they don't document that on their website. 

Ultimately, they received this. But, they must not have pursued this with any diligence as it took them forever to finish this task. 

At no time, did they inform me what the hold up was or ask for my help. When I called XXXX XXXX, he said they were busy and hadn't got to it yet. When i talked to their processing office, they blamed others for their slow response. Often, I got the feeling I was talking to someone reading a computer screen who did not know the details and was lying to me. Meanwhile, they were just stringing me along. 

In XXXX, they requested payoff letters for my mortgage and home equity loan but these were only good for 30 days. They let these expire, 75 days after I initiated the mortgage. 

Then in XXXX, they requested a new letter for the mortgage but forgot to request a payoff letter for the Home equity Line of credit. In fact, the processing office told me they requested the payoff letter. But, when i called my credit union, they informed me that RocketMortgage requested a payoff letter in XXXX but not XXXX. XXXX XXXX XXXX phone number XXXX ) at Quicken Loans confirmed their lack of due dilligence. 

By the time they realized their error, they informed me that they had taken too long and the payoff letters were expiring by XX/XX/XXXX XXXX 105 days after I initiated the loan ). So now, they are requesting new payoff letters for the month of XXXX. 

They have been working on this loan now for 105 days and counting. I provided all information they needed from me in XXXX. Meanwhile, my credit union informed me that because the {$65000.00} was due more than 30 days ago, it has now been reported to the credit agencies. 

This company, Quicken Loans, claims to have high customer satisfaction scores. But, my experience is they are not willing to make this right. They have offered me {$500.00} for my trouble. But, this has been a disaster.
Product: Debt collection

I have disputed this company due to identity theft. Sometime in 2012 some of my boxes went missing while moving in my place my check books were stolen. I have been disputing to all 3 credit bureaus XXXX XXXX and XXXX have removed but now XXXX. XXXX  told me to contact Recovery One LLC. I have and have gave them a copy of my police report. But is still there.
Product: Credit reporting or other personal consumer reports

Dear CFPB, I'm filing this formal complaint against XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX because , in spite of my multiple disputes, they have consistently reported false information on my credit report. My rights under the Fair Credit Reporting Act ( FCRA ) are being directly violated by this. 

All of the aforementioned creditors and collection agencies are obligated by the FCRA to look into disputed material within 30 days. However, they failed to fulfill this obligation and instead verified the inaccurate data without valid evidence. This has negatively impacted my credit standing and my ability to secure favorable lending terms.
Product: Mortgage

I took out a home mortgage with XXXX ( a mortgage broker ) with the first payment due on XXXX. XXXX immediately transferred the mortgage to XXXX to whom I made payments from XXXX through XXXX. In XXXX XXXX transferred my mortage to XXXX XXXX to whom I made mortgage payments to from XXXX through XXXX. 
On XXXX my mortgage was sold to Select Portfolio Servicing Inc ( SPS ) From XXXX to present I have made the remaining mortgage payments .I have documented proof from my bank confirming that all payments have been made ( on time ) and yet ever since the loan transfer from XXXX XXXX XXXX XXXX I have received monthly notices that I am I am behind a payment. I have tried relentlessly to clear this issue up and even hired an attorney to intervene on my behalf but without success. 
The attorney was concerned that the legal cost of entering into a lawsuit may outweigh the benefit of resolving my issue. At this stage I am now being charged monthly late fees and am getting calls and letters from collection agencies even though I am current on my mortgage and have been on time and am current with all payments. I am desperately looking your assistance in helping to resolve this issue. 
Sincerely XXXX XXXX