23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I am filing a complaint against XXXX for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, XXXX consistently responds within 24 hours stating the account is accurate, without providing evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1881i, which mandates a reasonable investigation of disputes. Furthermore, XXXXXXXX XXXX action may also contravene the Consumer 's Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I requested that the CFPB take action to ensure XXXX complies with the Federal Law and provides consumers with the necessary proof of investigation. These are the accounts I mark inaccurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Mortgage

I am a customer of Nationstar Mortgage. 
I requested a chain of custody on my deed of trust from them. While incomplete, the documents disclosed a robo signed document dating back to XXXX XXXX & XXXX 2007. It was signed by XXXX, a known robo signer. 
When I brought this fact up to Nationstar they said they take fraud allegations seriously and would investigate. XXXX they denied any wrongdoing. 
They have moved forward with foreclosure proceedings that will take my home I have owned for 11 years. 
I am a XXXX year old man. XXXX VETERAN. 
I seek your assistance in stopping them from taking my home away from me under the 4th Amendment of the Constitution. 
XXXX XXXX XXXX XXXX XXXX. NEVADA XXXX
Product: Mortgage

I acknowledge that I fell behind in my mortgage payments do to family problems and I have sent a hardship letter providing the details. I also stated that the death of my father has ended this hardship for good. I explained that my mother was in a situation where although she was divorced from my father and him and I had no contact, my mother felt this unnatural responsibility to him. 
I have also stated that although I fell behind in mortgage payments I have not allowed the home/property to go into collapse. I have placed new windows, a new roof, removed a large leaning tree and also had a heating system upgraded. I have also told my service provider that I have {$40000.00}, that i can use as a down payment for a modification. Unfortunately my service provider has sent me an agreement which although I make monthly payments, the payments are over {$4000.00}. a month with a balloon payment of over {$190.00}. by XX/XX/2020. 
This to me seems to be the opposite of a company that wants to work honestly and fairly and I am begging that I be allowed to remain in my home, along with my XXXX year old mother and my husband. thank you
Product: Debt collection

15 U.S.C 1681 section 602 A. states I have the right to privacy.

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1692C Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt
Product: Credit reporting 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 1681.10 XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 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 crimes which antedates the report by more than seven vears. 15 U.S.C. 1681s-2 ( A1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate
Product: Credit reporting or other personal consumer reports

I'm reaching out again about the ongoing issue of fraudulent, inaccurate, and misleading information on my consumer report. Despite my repeated efforts to resolve this, the problem persists. These unauthorized entries have severely impacted my life, causing considerable stress and XXXX 

I want to emphasize that I never authorized or consented to this information being associated with my name. I've been a victim of identity theft, and these entries are a direct result of that crime.
Product: Debt collection

I am in distraught due to a collection debt XXXX XXXX XXXX had reported to the collection agency. This debt is now significantly damaging my credit score. I do not owe this amount nor the account belong to me. I recently started receiving mailing statements from this enhanced recovery company to collect that debt. I am outraged. I complained to the XXXX and also attempted twice to dispute these actions for the debt owed to the credit agencies. A lady by XXXX XXXX from the XXXX headquarters had harassed me with phone call and responded with a letter in regards to my complaint with the XXXX. She has a record of a XXXX XXXX and not myself. This is really embarrassing and completely inaccurate. I even attempted to reach out this person and see if there was a way to resolve this debt however I shouldnt have to because it does n't belong to me. Please help me with these inaccuracies and unlawful approaches this company has directed towards me.
Product: Debt collection

ATTENTION DISPUTE DEPARTMENT XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ).

( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A )  The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious XXXX XXXX XXXX XXXX XXXX XXXX I have report your company to XXXX As a form of record and I am prepare to sue your company Example In re XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX  SOC SEC # XXXX DOB XX/XX/1973 ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

My Chapter XXXX Bankruptcy was discharged XX/XX/2020. I discovered on Equifax, credit reporting agency, my account with XXXX XXXX XXXX was noted as a " Charge Off '', and not as, " Discharged by Bankruptcy '', as all of my creditors from my Bankruptcy have noted. I've attempted to dispute the Charge off, without help from Equifax. Equifax has been given my Bankruptcy discharge by the Bankruptcy court, as it has to all three reporting agencies, again has refused to correct the charge off, to Discharged by Bankruptcy. XXXX XXXX XXXX also refuses to correct this inaccurate information. My account was closed with XXXX XXXX XXXX  @ XX/XX/2020 as 'Charge Off ', two months after my Bankruptcy discharge date of XX/XX/2020. XXXX XXXX XXXX has harassed my with emails, phone calls and mail, well after my bankruptcy discharge date.Triad and all other creditors declined to attend the creditors hearing scheduled XX/XX/2020. Reported to my attorney, harassment has ceased, finally. I understood the negative impact of filing bankruptcy, but Equifax & XXXX XXXX XXXX refusing to correct the inaccurate information is being done with Malicious Intent to cause my credit rating even more harm. After my third dispute with Equifax, they lowered my credit rating from XXXX to XXXX.
Product: Checking or savings account

I have a personal checking account with Wells Fargo. Been a customer since XXXX. Lately, I've lost my job and thus, my income. In addition, I have encountered a myriad of medical issues, which has hampered my ability to get a job, and at my age ( XXXX ), despite filing for dozens of jobs, have not been able to secure any, other than a sales position which I am trying to get approved for. That's the background. Unfortunately, my account is in the negative, not a whole lot, just a few XXXX dollars. But lately, I've noticed that Wells Fargo has been approving charges and autopays, despite being in the negative, and then accessing overdraft fees of {$35.00} each, even on amounts as low as {$4.00}. That seems illegal. I would think that if an account is already overdrawn, that any future payment/debit/autopay, etc. would be declined. But they instead accept it... I'm still over drawn, and thus they hit me with a {$35.00} overdraft fee ... .for every single transaction! How I'm I to catch up? I think this is wrong and extremely bad business practice, if not illegal. And Wells Fargo isn't any stranger to scandals either. So I contacted them to explain my situation and they said they couldn't do anything about it. I said, why not just decline it and I'll deal with the entity itself, but they said they couldn't do anything about it. So I contacted some of these entities and some of these entities require autopay, like XXXX, and I don't have other cards to put their payments under ( another story or complaint to tell ). But in the end, I would think that if you are in the negative, Wells Fargo would decline, but no, they approve and immediately hit me with a {$35.00} overdraft fee. Something seems wrong about all this and they won't work with me. I want to add that I have in the past asked them to remove such fees, and they did ( after negotiation because they would initially only offer half the fees back ) but my point is that they accept charges when the account is already overdrawn, rather than just decline. It's like a way to get more money from people who can least afford it. In fact, I think it's criminal. I have supporting documenatation and the amount of fees accessed in this situation ( where they accept debits/charges/autopays ) when the account is already in the negative, and rather decline such transactions has resulted in my account being hit with {$240.00} overdraft fees. I want this refunded and I want justice in what I feel is a wrong on Wells Frago 's part. This is my issue.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have file compliant with Consumer Financial Protection Bureau before and the issues still have not be taken care of. Now I am getting denied credit for an auto loan because XXXX XXXX is still showing on my credit reports as an owe debt when it was filed in my XXXX XXXX case. 
I have sent you and the credit bureau copies of my filing and the credit bureau is still reporting it as I owe {$27000.00}. 
I want it corrected ASAP and removed at once or I will seek legal help and go back to the court and report it to them.
Product: Vehicle loan or lease

On about XX/XX/21 I initiated a consumer credit transaction with my social security number, also referenced by congress as a credit card, pursuant to 15 USC 1602 ( l ). The term credit card means any card, plate, coupon book, or whatever credit device existing for the purpose of obtaining money, property, labor, or services on credit. The purpose of this consumer credit transaction was to obtain an automobile, I was denied access to my open ended credit. As a consumer, natural person, and original creditor, I have an open ended credit plan, it is unlawful to deny me my own credit I am requesting that your department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your organization civilly liable for non compliance pursuant to 15 USC 1681o , 15 USC 1640,15 USC 1691e . Further more pursuant to 15 USC 1691 ( a ) - Activities constituting discrimination, do so state " It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction ''. A denial of my open ended consumer credit constitutes to discrimination. Pursuant 12 USC Powers and Duties of Banks and Credit Unions have power to borrow money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person, and original anything.
Product: Bank account or service

This is in reference to Case number : XXXX. Bank of America called me on XXXX and left a message for me to call them back at XXXX and use extension XXXX to speak with XXXX about my complaint. However, when I call this number and try to enter the extension, nothing happens. A recording just repeats itself to enter the extension. I have tried from XXXX different phones so I know this is a problem with their system. The system hangs up on you without allowing you to ever reach a live person or leave a message. Intentional maybe ... .. I need to be able to get ahold of them because they will claim I did not respond to them and they did not give me a way to do so.
Product: Credit reporting

Experian was reporting incorrect addresses for me. I disputed the incorrect information and they deleted my current and CORRECT address they are reporting me as having an address of XXXX, PA XXXX THIS IS INCORRECT - THIS IS A BUSINESS ADDRESS MY CURRENT ADDRESS AND HAS BEEN IS XXXX, PA XXXX I WOULD LIKE MY ADDRESS CORRECTED
Product: Credit reporting or other personal consumer reports

THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 

I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. Since, they do not have my authorization, written nor verbal I ask that you DELETE these authorized inquiries from my credit report immediately as there is no evidence of any authorization, nor any permissible purpose. 

According to Section 604 of the Fair Credit Reporting Act Permissible Purposes of Consumer Reports 15 U.S. Code 1681b In general. Subject to subsection ( e ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( F ) otherwise has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer. 

Under 15 U.S. Code 1681i, Paragraph ( 5 ) Treatment of Inaccurate or Unverifiable Information ( A ) In general. If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete The following inquiries are unauthorized : XX/XX/2022 XXXX XXXX  ( Finance ) XX/XX/202XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX  XXXX Finance ) XX/XX/2022 XXXX XXXX XXXX  ( Finance XXXX XX/XX/2022 XXXX XXXX XXXX XXXX ( XXXX XXXX XX/XX/2022 XXXX XXXX XXXX ( Bank XXXX XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXX XXXX XXXX ( Auto ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX ( Hotel and travel ) XXXX XXXXXXXX XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX XXXX ( Finance ) XX/XX/2022 XXXX XXXX ( Bank ) XX/XX/2022 XXXXXXXX XXXX XXXX Finance )
Product: Debt collection

( original complaint - This account opened XX/XX/XXXX and closed XX/XX/XXXX ending balance of {$6900.00}. Amex put a lien on my home and refuses to discuss this with my attorney. We have been sent to three different law firms who were " handling '' this and have yet to speak to anyone that can rectify it. My attorney XXXX XXXX and his staff have been reaching out the AMEX attorney listed as handling this several times over the past three weeks. No response. This has caused the sale of my home to cancel and I've lost {$120000.00} in equity. ) AMEX has sent the same response twice, and we've tried to call the AMEX attorneys today. We have eight weeks of records showing our attempts to discuss this with the AMEX attorney. They have YET to respond to our calls. We will file for a jury trial in XXXX County Georgia on XX/XX/XXXX unless we hear back from them. AMEX doesn't take this seriously because they/ve not replied with anything different after all of these complaints. All information contained within our complaints here will be used as evidence in our suit.
Product: Checking or savings account

I am writing to file a complaint against navy federal credit union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB Findings against navy federal for similar practices, where transactions settled with insufficient funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

ACCORDING TO THE NINH CIRCUIT, IN PINTOS V PACIFIC CREDITORS ASSOCIATED 504 F.3D 792 IT DECIDED THAT WITHOUT A PERMISSIBLE PURPUSE ONE IS IN SECTION 1681B. BASED ON THIS DECISON, IT APPEARS THAT YOUR AGENCY FURNISHING A COPY OF MY CREDIT REPORT TO THE BELOW COMPANIES. AS THE COURT INTERPRETED AND BASED ON HAS BEEN DONE IN MY CASE, FA ONE ONLY HAS PERMISSIBLE PURPOSE FOR OBTAINING A CREDIT REPORT UNDER WHEN IT IS ONLY IN CONNECTION TO A CREDIT TRANSACTION IN WHICH A CONSUME DIRECTLY AND VOLUNTARILY. I DID NOT DIRECTLY AND VOLUNTARILY SEE FOLLOWING COMPANIES AND THEY DID NOT HAVE A PERMISSIBLE THE CREDIT INQUIRY INFORMATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 there were 14 unauthorized Chase XXXX transactions, equaling out to the amount of {$1900.00}. {$2000.00} was transferred from my savings account to my checking account and then the XXXX transactions were sent without my knowledge. The devices that accessed my accounts on XX/XX/XXXX were devices that I have never accessed with my accounts. The two devices that accessed my account were XXXX XXXX XXXX and XXXX XXXX XXXX and device history shows that these two devices only accessed my accounts on the day my accounts were compromised. I received a text alert to my cell phone at the time these transactions occurred and called Chase at approximately XXXX PST to help me handle this situation. I then spoke with a claims representative who told me that the phone numbers used in the XXXX   XXXX transactions did not match any previous phone numbers that I have ever sent funds through quick pay with. At the end of my call with Chase they stated that I had to close my accounts and open up new ones due to my accounts being compromised, which I did. Additionally I changed my username and password for mobile banking and changed passwords to my email and mobile devices. On XX/XX/2019 I called Chase as I hadnt received any updates on my claim and the money had not been put back into my accounts. The claims rep told me my claim was invalid and gave me a vague explanation as to why. They stated that they had seen no unusual activity or password changes to my mobile banking account. I asked what the next steps would be, and they said that I had to fax proof that it was not me who made the transactions and that I had to contact XXXX themselves in order receive documents of proof. I tried contacting XXXX, the company that handles Chase XXXX  XXXX and they specifically state that they do not handle any discrepancies that have transpired through personal bank accounts. At that point I was very lost and felt that Chase was giving me different excuses in order not to take on the situation and unwilling to help get my hard earned money back!
Product: Debt collection

I have disputed the inaccuracies of these debt from XX/XX/XXXX to the present date. This company has re-aged a debt on my credit reports which is illegal and against the law. I have a bill of sales from XX/XX/XXXX and the original debt was disputed with XXXX XXXX as well as the previous collection agency and removed off my credit report. The apparently resold the debt to Calvary Portfolios LLC who re-aged the debt to look as if I recently purchsed the vehicle On XX/XX/XXXX which is inaccurate and falsified. This account was removed off of my account on 2 separate occasions and the company continues to place it on my records.
Product: Debt collection

Your continued disregard for my requests violates the Fair Credit Reporting Act ( FCRA ), which mandates investigation of disputed information. This constitutes a clear violation, subjecting your company to legal consequences. Despite multiple requests to investigate and correct the information, including the following disputed accounts : XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following company posted consumer information on my credit report that I am not familiar with. I do not currently have, nor have I ever had any open account with XXXX XXXX XXXXXXXX. PLEASE IMMEDIATELY REMOVE this account from my credit report. XXXX XXXXXXXX