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

I am pretty adamant about keeping up with my consumer file info and upon reviewing it on XX/XX/XXXX, it was brought to my attention that Equifax is reporting a significantly different score than XXXX and XXXX. The last update posted on Equifax 's website was on XX/XX/XXXX, showing a score of XXXX down XXXX points with no changes recorded. XXXX last updated on XX/XX/XXXX shows a score of XXXX up XXXX points due to the removal of an XXXX XXXX account, two XXXX XXXX inquiries, XXXX XXXX XXXX XXXX account, XXXX XXXX XXXX account, and an XXXX XXXX XXXX  XXXX account. XXXX also updated on XX/XX/XXXX shows a score of XXXX up XXXX points due to the removal of a XXXX XXXX inquiry, an XXXX XXXX account, and a XXXX inquiry.
Product: Payday loan, title loan, personal loan, or advance loan

On this day, XX/XX/year>24 First Commonwealth Bank in the amount of {$5000.00} is currently on my credit report. The current issue is that none of the information pertaining to First Commonwealth is provided. The information is inaccessible and can not be disputed.
Product: Credit card

On XX/XX/2015 I attempted to use a a XXXX XXXX XXXX. This card denied to be used. 
I reviewed the card and it had a valid thru XX/XX/2015 date. I had not needed to use the card untiltoday. I contacted Citi Customer Service on XX/XX/2015 to have the card reissued. I spoke with XXXX # XXXX and supervisor XXXX # XXXX. Both representative indicated that the card could could not be re-issued. There was {$200.00} on the card. And, that the {$200.00} was lost.
Product: Credit reporting, credit repair services, or other personal consumer reports

My XXXX XXXX XXXX  XXXX credit card # : XXXX is lost/stolen and has over {$3500.00} of fraudulent charges and transactions on my account which is not my charges and are fraudulent charges/transactions.
Product: Credit reporting or other personal consumer reports

Navy Federal Credit Union is in violation of multiple laws set forth by Congress in regard to the following account # XXXX. 15. U.S. Code. 1681a ( 2 ) ( I ). states that the consumer report does not include information solely as to transactions or experiences ( payments History, charge off status ), between the consumer ( myself ) and the person ( Navy Federal Credit Union ) making the report. Additionally, 15 U.S. Code 1681 s- 2 ( a ) ( 1 ) ( A ) states that A person ( Navy Federal Credit Union ) shall not furnish any information relating to a consumer ( me ) to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Navy Federal Credit Union can not collect on a discharged debt. This is now considered a certificate of Indebtedness per the IRS and income Can Not be reported. The IRS Clearly defines a charge off As Gross or Ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes reporting of this account inaccurate! So, XXXX is now in violation of the FCRA. The reporting of this as A debt is inaccurate. I never received a 1099 - C Form from Navy Federal Credit Union for the canceled debt of ( { {$75000.00} } ) in order to file as ordinary income. Where is my 1099-C? Navy Federal Credit Union is clearly writing off debt with the IRS without sending out 1099-C as required by the IRS for debt greater than ( { {$600.00} } ). This is unsatisfactory! Navy Federal Credit Union and XXXX have been HEREBY PUT ON NOTICE That they are furnishing incorrect inaccurate information. I have the right to privacy and Per the Privacy Act of 1974 as a federally protected consumer I am now revoking any and all authorization I the consumer may have given you written, non-written, verbal and verbal per 15 U.S. Code 6802 I'm NOW OPTING OUT of anymore further reporting of this account after XXXX has updated the account to PAID AS AGREED, I AM INVOKING MY SPECIFIED REMEDY THAT YOU PREVIOUSLY DENIED ME BY WITHHOLDING MY DISCLOSURES, Pursuant 15 U.S. Code 6802 ( B ) Again XXXX is in direct violation of 15 U.S.C 1681 section 602 A. Stating I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : also stating a consumer reporting agency can not furnish an account without my written instructions. UPDATE THE BELOW ACCOUNT FOR ALL CONSUMER REPORTING AGENCIES. 


Account name : NAVY FEDERAL CREDIT UNION Account number : XXXX
Product: Credit reporting

Recently, Transunion removed XXXX credit inquiries from my account causing my credit score to increase. Shortly afterwards, they added the inquiries back, causing my score to decrease lower than it was initially. I need these credit inquiries removed completely due to their error and damage to my credit report.
Product: Mortgage

Bayview Loan Services is engaged in Mortgage Service Abuse Bad Faith and Unfair Business Practices, and Breach of Contract. 

Bay view is material breach of paragraph XXXX of the Home Affordable Modification Agreement- for Loan # XXXX. -Exhibit-A XXXX and XXXX XXXX entered in to a loan modification with XXXX XXXX XXXX XXXX , XXXX. on XXXX/XXXX/XXXX with the first payment to commence on XXXX XXXX. 
The loan Servicer change on XXXX/XXXX/XXXX form XXXX XXXX XXXX XXXX, XXXX. Loan # XXXX to Bayview Loan Servicing Loan # XXXX. 
In XXXX XXXX after the third anniversary of the Loan Modification the homeowner contacted Bayview Loan Services in regards to status of the Deferred Principal Reduction Amount which had shown not change. 
In XXXX XXXX XXXX XXXX again contacted Bayview Loan Servicing to inquire as to the when she would receive the XXXX for the balance of the Deferred Principal Balance Forgiveness as per the final Modification anniversary date of the Modification XXXX/XXXX/XXXX. The Homeowner was told to submission a written request to Bayview research department which was done on XXXX/XXXX/XXXX. 
In response to the Homeowner written request Bayview Loan Servicing sent a letter dated XXXX/XXXX/XXXX Exhibit- B making no reference to the Deferred Principal Balance forgiveness as out lined in paragraph XXXX of Exhibit -A, But only {$660.00} accrual though Date XXXX/XXXX/XXXX. 
On XXXX/XXXX/XXXX again reached out to Bayview Loan Servicing for further clarification as to why there was no action on the part of Bayview Loan Servicing for the Deferred Principal Forgiveness and spoke to an XXXX XXXX # XXXX who agreed that there should be a credit of {$49000.00} of the deferred principal that was to be forgiven. 

Exhibit -A Home Affordable Modification Agreement- for Loan # XXXX XXXX XXXX pages Pages XXXX paragraph XXXX -- modification date first modified payment will be due XXXX/XXXX/XXXX. 
Paragraph XXXX, new maturity date will be : XXXX XXXX, XXXX Paragraph XXXX the of the new note will include all amounts and arrangers that will be past due as of the Modification Effective Date ( including unpaid and deferred interest, fees, escrow advances and other cost, but excluding late charges modified principal balance of {$610000.00} as the new Principal Balance. 
Paragraph XXXX {$140000.00} of the new principal balance shall be deferred and will be treated as a non- interest bearing PRINCIPAL FORGIVENESS. 
The Deferred Principal Balance is eligible for forgiveness ( the " Deferred Principal Reduction Amount '' ) .Provided I am not in default on my new payments such that the equivalent of three full monthly payments are due and unpaid on the last day of any month, on each of the first, second and third anniversaries of XXXX XXXX, XXXX, the Lender shall reduce the Deferred Principal Balance of my Note in installments equal to one-third of the Deferred Principal Reduction Amount. The New Principal Balance less the Deferred Principal Balance shall be referred to as the " Interest Bearing Principal Balance '' and this amount is {$460000.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality Under 15 U.S.C. 1681. 

XXXX XXXX XXXX XXXX  Account number XXXX Has violated my rights XXXX XXXX XXXX XXXX  Account number XXXX Has violated my rights XXXX, XXXX. 
Account number XXXX Has violated my rights XXXX XXXX Account number XXXX Has violated my rights XXXX XXXX  Account number XXXX Has violated my rights XXXX XXXX XXXX XXXX Account number XXXX Has violated my rights 15 U.S.C. 1681 Section 604 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. 1681c ( 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 7 years.

15 U.S.C. 1681 s-2 ( A ) ( 1 ) 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: Checking or savings account

They took an entire check to cover a debt. They take money from my account and leave me with nothing. They even take my XXXX money from the va. I complain about it to the va and navy federal. They garnish my money. A navy federal spokesperson said they can do that and they are not giving me my money back
Product: Credit reporting or other personal consumer reports

15 USC 1681b Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish the accounts listed below on my consumer report?

No. I most certainly did not.

If a contract exists in which I gave you permissible purpose to do such, I demand that you produce it to me with a wet ink signature within 30 days of receipt of this letter, notarized under the pains and penalties of perjury, via certified mail with a signature required. If you can not provide this, I demand that you immediately follow the written demands that I outline in Section II of this letter on my consumer report. 

Furthermore, please consider this letter official legal notice that my written instructions are to immediately follow the written demands that I outline in Section II of this letter on my consumer report. 


Lack of Notice I was not given any of the notices REQUIRED by law BEFORE you furnished any of my personal information to a third party.
Product: Credit reporting or other personal consumer reports

I am writing to follow up on my previous report of identity theft, which I submitted on [ insert date of report ]. As per the applicable regulations and your obligations under [ cite any relevant law or regulation ], you are required to remove any fraudulent accounts or items opened in my name without my knowledge, consent, or authorization. 
According to the law, you are obligated to take corrective action and remove any unauthorized information within four business days of receiving the above documentation. To date, I have not received confirmation that these steps have been taken. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance : {$220.00} ( Original Creditor : XXXX XXXX XXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$220.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  XXXX XX/XX/XXXX 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 XXXXXX/XX/XXXX
Product: Debt collection

I CONTACTED THE COMPANY VIA MESSAGE SYSTEM ONLINE, AS I DO NOT FEEL LIKE BEING HARASSED VIA PHONE OR BEING ON THE PHONE FOR EXCESSIVE TIME HAVING SOMEONE TEL ME SOMETHING THEY COULD HAVE SENT VIA EMAIL THEY COULD HAVE ANSWERED ME VIA EMAIL OR MESSAGE SYSTEM ON THE SITE THEY CHOOSE NOT TO AND NOW THE ROBOCALLS ARE INSANE AND THE CONSTANT MESSAGES ARE RIDICULOUS I HAVE A XXXX FATHER WHO HAS XXXX XXXX IN XXXX FOR WORK THEY NEED TO GET A GRIP YOU BLOCK ONE CALL YOU GET ANOTHER FROM MULTIPLE NUMBERS
Product: Credit reporting or other personal consumer reports

Im accordance with the fair credit reporting act XXXX  account 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 has violated my rights. 15 U.S.C 1681 section 602 A. States I have the rights to privacy.

15 U.S.C 1681 section 604 A Section : It also states a consumer reporting agency can not Furnish an account without my written instructions. and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.
Product: Mortgage

A Notice of Error was sent to BSI Financial on XXXX/XXXX/2016 requesting proof of foreclosure loss mitigation notices and the notice for the final date for loss mitigation. A request for a loss mitigation review for the Making Home Affordable Program was sent to on XX/XX/2016. They still have a scheduled sale date for XXXX/XXXX/2016 without responding to the request for information or the loss mitigation review.
Product: Vehicle loan or lease

I am attempting to pay additional principal on my car loan each month with Bank of America. My loan payment is approximately {$420.00} per month. I pay on average {$750.00}. Rather than applying my extra payment to principal, they are charging me future interest and extending my next due date. I have called multiple times and I have not received a valid explanation. Finally, they indicated I would have to go into a branch each month to request the extra be applied to principal. This is simply not feasible. They continue to overcharge on interest because their online system can not " process '' the extra payments correctly. This is simply BofA stealing money. Today is XX/XX/XXXX and I made another payment. My next due date is XX/XX/XXXX.
Product: Mortgage

National Bank of Arizona and their servicer XXXX have denied all my requests for a loan modification. The facts indicate they are not evaluating my request for all possible foreclosure prevention programs, esp. HAMP for which I qualify. Instead, because I have substantial equity, they are only evaluating my requests for reinstatement, which is the only foreclosure prevention measure for which I do not qualify.
Product: Debt collection

A dispute letter was sent out to credit XXXX XXXX XXXX for a credit card debt on XX/XX/2025. My dispute letter was ignored and I was sent a demand letter XX/XX/2025 without any explanation on how I obtained this debt.
Product: Debt collection

I signed a rental agreement for XXXX XXXX XXXX back in XX/XX/year>. Shortly after this my son became seriously ill and I had to terminate my lease before ever moving in. I had conversations with the leasing company and the last notification that I received was showing a balance of XXXX This has been turned over to Columbia Debt Recovery and they are asking me to pay XXXX. I have disputed this with the credit reporting agencies and the only proof that they show me is a partial rental agreement. Which does not show any monies owing.
Product: Credit reporting

Hello my name is XXXX XXXX and I am disputing inaccurate information found on my report for the following errors, there is an error showing me with a criminal history with a previous arrest record. I have never experienced this situation and also I am a victim of stolen identity.
Product: Credit reporting or other personal consumer reports

This complaint is in regards to XXXX XXXX XXXX account # XXXX  opened XX/XX/2023 according to the fair credit reporting act sec 609 ( a ) ( 1 ) ( A ) you are required by federal law to verify, through verification of the original signed consumer contract, My rights are in violation by the negative information posted on my credit report
Product: Debt collection

Phoenix Financial Services makes repeated calls to my cell, does not leave a message, only lets it ring maybe two times and hangs up. When  I finally got the chance to answer a guy named XXXX didn't read the mini miranda just went right in to threating me to pay a medical debt I wasn't aware I even owed. Then when I asked for documentation he told me that we are way passed that point and I need to get real about paying my debt. When I asked to resubmit it to my insurance company which I've maintained for over 5 years now he threated me about paying again.
Product: Vehicle loan or lease

Both of my vehicles were up for repossession  due to losing work/being put off work due to covid. I spoke with the company multiple times trying to get arrangements made since my husband and I were both out of work due to contracting covid multiple times. We were able to get help in XX/XX/2022 with getting a personal loan to pay everything that needed to be paid to keep the vehicles. Within a couple of months after giving the company just under {$7000.00} to keep the vehicles from being repossessed, the company started coming at us again trying to repossess the vehicles. I have made multiple attempts to make payments with the company for both vehicles. Every time I make a payment with them now, my accounts get disabled. I have to fight to get the accounts activated again just to make payments. I have not been able to make any payments since XXXX. Which was my last payments on both vehicles. I have tried calling every week to try to get my accounts activated again to make a payment on both vehicles. This has happened with every payment I have made in the last year. And now my vehicles are up for repossession once again and they refuse to work with us even though it is not our fault we are having these issues. My husband spoke with the company today ( XX/XX/2022 ) and is able to make a payment through an account just for the truck. I am still unable to get my account unlocked to make a payment for the other vehicle. They also stated that even though we make a payment to cover almost 3 months they will not take the one out of repossession. They are trying to make us pay almost {$10000.00} for both vehicles to keep them out of repossession. {$5400.00} for the truck and roughly {$3000.00} or so on the other vehicle. I do have the days, times, etc wrote down in my calendar/planner of all the calls and attempts for payments.
Product: Credit reporting or other personal consumer reports

Dear Transunion I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

2. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX Account Number : XXXX Please update- All New Reporting Information to- paid as agreed and current 3. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 

4. 15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XX/XX/XXXX Account Number : XXXX Please remove it from my credit report. 
5. 15 U.S. CODE 1681B - PERMISSIBLE PURPOSES OF CONSUMER REPORTSXX/XX/XXXXDate of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XX/XX/XXXX XXXX Bank XXXX XXXX XXXX Old XXXX XXXX, NY XXXX Subject : Debt Validation Request Pursuant to 15 U.S.C. 1692g Dear XXXX BANK, I am writing to formally request validation of the alleged debt referenced in your communication dated XX/XX/XXXX ( Account # XXXX ). Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I request that you provide the following information regarding this debt before I take any further action : 1 Complete Account Information The name and address of the original creditor.

The full account number associated with this debt. 
The date the debt was incurred and a full itemization of the balance, including principal, interest, and any fees added. 
2 Legal Proof of Debt Ownership A copy of the original contract or agreement bearing my signature, if applicable.

Documentation proving that you have the legal right to collect this debt.

A copy of the Forward Flow Agreement or any similar contract that outlines the transfer, sale, or assignment of the alleged debt to your agency.

3 Verification of Collection Authority Proof that your agency is licensed to collect debts in my state. 
The name of your agencys registered agent and the agencys licensing details. 
Until I receive the requested documentation, I do not acknowledge or accept responsibility for this alleged debt. Furthermore, I request that all collection activities, including reporting to credit bureaus, cease until proper validation is provided. 
If you fail to provide the requested information within 30 days, I will consider this matter resolved and expect no further communication regarding this debt. Please send all correspondence in writing to the address listed above. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, I submitted my initial complaint with the XXXX against XXXX, XXXX, stating that I had been trying to set up autopay through my XXXXXXXX XXXX XXXX XXXX XXXX  ), and the payments were not going through. I stated that this had been going on since XXXX. Furthermore, I noted that I am a former employee of XXXX. Therefore, I know how to set up autopay through XXXX because I helped XXXX  and possibly XXXX of people setup their autopay through XXXX. However, XXXX  did not believe that there was an issue on their part. 

On XX/XX/2022, I submitted another complaint against XXXX  through the XXXX, XXXX, addressing that I logged into my OLB  with XXXX  to make a XXXX time for my credit card payment on XX/XX/2022 before my due date of XX/XX/2022. This time XXXX  admitted that there was a problem with their system. Around the same time I noticed that XXXX  added a remark to my credit score. I can not see the remark except for the fact that it was a late payment. Common sense would suggest that this remark was unjustified based on my previous XXXX complaints. 

Now, I am submitting a XXXX complaint against XXXX about the matter of their system not functioning properly. This as no shock to me as a former employee of XXXX. As I suggested in My first complaint on XX/XX/2022, there needs to be a large scale investigation against XXXX. They notoriously bully and make it difficult for consumers to have any type of financial justice when XXXX  is at fault. As you can see, I have been dealing with this matter through the XXXX. It started when no one at XXXX XXXX would return my calls or respond to my complaint made to their internal system. It almost seems like it takes and XXXX XXXX XXXX to make to XXXX  correct their mistakes and own their responsibility for the wrongs that they have committed.