23daVinci/CFPB_Complaints huggingface dataset:
Product: Checking or savings account

I had unauthorize charges on my account and the company held me liable because they said I didn't show urgency to get the problem resolved. I XXXX  XXXX XXXX and I run calls 9 hours a day. I have over XXXX running thru my account weekly sometimes and I tend to look over until it's time to file my taxes thats when I realized the unauthorized charges that I didn't authorize nor did I give anyone permission to access my account, I have included my ftc report for proof of identity theft. Account XXXX Claim ID XXXX and XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Please be advised this is my THIRD WRITTEN REQUEST and FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my rights and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite two written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation and subsequent reinvestigation, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. 

The law is very clear as to the Civil liability and the remedy available to me XXXX Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Product: Credit reporting or other personal consumer reports

As a federally protected consumer I am requesting the CFPB review this dispute regarding the credit reporting agency Transunion, XXXX, XXXX and the company XXXX XXXX XXXX. There is a need to ensure that the consumer reporting agencies exercise their grave responsibilities with fairness impartiality and respect for the consumer rights to privacy. 15 U.S Code 1681b permissible purpose of consumer reports. Subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. 15 US code 1681c requirements relating to information contained in the consumer report. Any other adverse item of information other then records of convictions of crimes which antedates the report by more the 7 years should not be on the consumer credit report. By violating section 1681 b permissible purpose and 1681 c information contained in consumer report, credit reporting agencies seems to be in direct violation of compliance procedures under title 15 U.S Code 1681 ( e ) Compliance procedures.

For willful noncompliance results are civil liability {$1000.00} per violation according to 15 U.S Code 1681 ( n ) and 15 U.S Code 1681 ( o ). This account is adverse and causing extreme harm.

This Notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. The Federal Trade Commission ( FTC ) and the Consumer Financial Protection Bureau ( CFPB ) will be notified regarding this dispute and investigation.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and corrected for erroneous reporting in my file are listed on my credit report XXXX XXXX  Balance Owed : {$17000.00} XXXX XXXX Balance Owed : {$18000.00} XXXX XXXX Balance Owed : {$17000.00}
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 USC 1681. 

I told the XXXX, XXXX, and Equifax to reinvestigate these accounts : XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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 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 seven years.

15 U.S.C. 1681s-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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case
Product: Vehicle loan or lease

I have been having great difficulty finding another full time job after losing the one I had due to XXXX XXXX XXXX. I had unemployment that eventually ran out and a XXXX  claim I started XX/XX/XXXX was recently denied on XX/XX/XXXX. This has caused me to miss payments from XXXX to XXXX. The only job I could tolerate doing without XXXX XXXX XXXXXXXX is as a part-time teacher aid. However, the series of breaks made the checks insufficient to make a good faith payment of {$460.00} by XXXX XXXX. I had hoped that a colleague would filled the void during the time I was not working but she completely came through to do the extra work with completing patients chartings. Now that schools are up and running again, I had hoped I could start getting on tract and was even scheduled to do an interview tomorrow for a second job. But on XX/XX/XXXX my car was taken and was told next day that I could get it out by paying about {$2300.00} in fees and back payments and that I had 10 days to pay it. After I finally was able to find someone to lend me the money, they told that now I had to pay the car out right. The repo already started showing up in the system so that anywhere I go to get another car, I would need a cosigner which is XXXX times more difficult than just borrowing money. They had no intention of even giving me a chance to get car back and fixed it so that I never will get a car on my own for the next 4 years. I am XXXX y/o with a severe case of XXXX XXXX XXXX and the stress, disrupted sleep, extra standing, walking that causes me to be XXXX has forced me to return to hspital due to XXXX XXXX XXXX, XXXX  XXXXXXXX XXXX XXXX that cause doctors to be concern. I had to be admitted XXXX XXXX and now I will not even be able to make that appointment for the job interview. I have no food at home XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX  XXXX Equifax Account XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Equifax Account # : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Equifax XXXX XXXX XX/XX/XXXX Equifax XXXX XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I am having problem with Equifax, they are not providing my credit report from last 6 months, i sent multiple times my id information over fax and mail to their address, Equifax has updated all my financial information on my wife credit file and deleted my credit file.. 

I am spending some part of my daily call with Equifax to get my credit report, they are not answering and responding properly also, they are saying i do not have any credit file with them.. 

I am in process on purchasing new home, where soon i will need to go for mortgage and because of Equifax not providing my credit report to lending company.
Product: Credit card or prepaid card

I signed up for a XXXX capital one credit card with a promotional bonus of receiving XXXX $ cash back when you spend XXXX $ or more within the first 3 months of opening the account. I spent more than XXXX $ within the first 3 months and never got my bonus. I just assumed it would take some time to show on my account. A month later on the XXXX month I call customer support to ask how I would be receiving the XXXX $ cash back and when I could expect it. They apologized for the inconvenience and after wasting an hour tell me that it will show up on my account for the next billing cycle. Then the same thing happened again the next month. I called in because i did not receive the bonus. After the XXXX month of me calling in again then they said that I did not qualify for that bonus and that the bonus I did get was a 0 % APR for the first 15 months. This was not the bonus I was supposed to get. This is fraudulent and misleading advertising because they still have it up on their website that you will get a XXXX $ bonus cash back. This is ridiculous that Capital One can claim that I will get it in the next billing cycle and then give me the run around for months just to say that I did not qualify for the sign up bonus which is still being advertised on their website. The only reason I opened that credit card with them being a new member was to receive the XXXX $ cash back. I will not be using Capital One in the future for misleading and fraudulently changing my bonus to something that I did not sign up for without my consent. Be aware of CAPITAL ONE, shady business practices.
Product: Payday loan, title loan, personal loan, or advance loan

I have been trying to extend my forbearance due to ongoing financial hardships. I am a XXXX XXXX XXXX XXXX  and one of my payers has not paid insurance claims since XXXX XXXX XXXX I am currently owed thousands, and I had to pay my rent this month by getting cash advances on my credit cards, which are now maxed out. I was initially told by Firstmark that the company will grant up to six months of forbearance ; however, my applications for an extension of the three months I was already granted have been repeatedly denied, with no explanation and no avenue for appeal. 

I have contacted Firstmark MULTIPLE times, asking for help and for information regarding this issue. So far no one has given me a consistent answer re : why my forbearance extension request was denied. Firstmark denies knowledge of the reason for the denial and they claim that they were not the ones who denied my application, yet they are unable to tell me who denied it. I have asked for the contact information for the direct lender of the loan, in hopes of getting this information straight from the source, but when I reached out to the bank Firstmark told me was my lender, that bank had no knowledge of my loan. As a result, I currently have absolutely no idea who actually issued my loan, and no one at Firstmark will tell me who it is, which means I have no way to try to prevent defaulting on this loan. 

I am already past due on XXXX 's payment. I am trying DESPERATELY not to default on this loan. But that is an INEVITABLE REALITY if I am unable to get someone at this company to cooperate with me. 

I genuinely feel like this company would rather I default and they lose the {$19000.00} I still owe them, rather than be cooperative and help me get back into a position where I can actually pay it off. I am SHOCKED at the obstacles they have thrown in my path, and the lack of transparency regarding my loan. 

I sincerely hope somebody takes this complaint seriously and helps me with this issue, as I have been going in circles with this company for months now, and I'm no closer to receiving honest communication and assistance. I just can not imagine that it is legal for Firstmark to withhold information from me regarding my direct lender, especially as withholding this information has set me on a path to default.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> Best Egg accessed my credit without my consent or a permissible purpose under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b.

I did not initiate any transaction or relationship with Best Egg that would give them lawful access to my credit report. Under the FCRA, companies may only access credit reports for specific purposes, such as when a consumer applies for credit, or when there is a legitimate business need initiated by the consumer. This unauthorized soft inquiry, while not directly affecting my credit score, is an unlawful invasion of my privacy and an infringement on my rights as a consumer under federal law. 

This unauthorized inquiry poses a risk to my personal and financial security, as it involved access to sensitive information. Best Egg willful violation of the FCRA reflects negligence and disregard for consumer rights. Under the FCRA, I am entitled to statutory damages for this violation, even if no direct financial hard occurred, as the law prioritizes consumer privacy and security. 

Relevant Laws : - 15 U.S.C. 1681b ( FCRA ) : Limits access to consumer 's credit report to specific permissible purposes- 15 U.S.C. 1681n : Entitles consumers to statutory damages of up to {$1000.00} for willful non-compliance with the FCRA, even if no actual damage occurs.

Requested Remedy : I request the CFPB 's assistance in ensuring that Best Egg 1. Ceases any unauthorized access to my credit report in the future.

2. Pays statutory damages of {$1000.00} for violating my rights under the Fair Credit Reporting Act ( FCRA ) XXXX. Takes steps to prevent future unauthorized credit inquiries from occurring.
Product: Checking or savings account

Due to overdraft fees from Navy federal during a trying timeNavy Federal was a huge part of the problem as to why I had to file bankruptcy in XXXX. I have been with Navy federal since XXXX.
Product: Debt collection

There was internet payment sent from ACH : XXXX ( sent on XX/XX/year> and cleared on XX/XX/year> by XXXX housing department ) to XXXX, total amount {$2900.00} for several accounts and {$610.00} should go to account ending in XXXX. 
XXXX never replied if they investigated ACH : XXXX. Then they sent account ending in XXXX to Radius global for collection. Radius collection pretends they collect a real or valid debt.

This is an exploitation loop, a grey area to take advantage of.
Product: Checking or savings account

OnXX/XX/XXXX, at the drive through window of US BankXXXX XXXX XXXX XXXX XXXX XXXX XXXX MO, I processed a stop-payment transaction on a check for {$9400.00} I had made to a contractor who had done some work at my house. I determined that he had overcharged me, and when I telephoned him he became threatening. The stop-payment was suggested by my attorney. The check had not yet been submitted to my bank, so there should have been no problem. When the young woman at the bank 's drive-through window asked for the check information, I gave her the carbon copy of the check I needed to stop payment on. The check number was XXXX, but the young lady typed in XXXX and told me the transaction was successful. ( The number XXXX on the keyboard is accessed with the little finger of the left hand ; the number XXXX  with the little finger on the right hand. ) It was only a week later that I learned that she had typed in the wrong check number, when I received a letter from the bank telling me that the transaction was successfully executed. The check that the bank employee put the stop-payment on was not only for a much less amount, but it was more than 6 months old and had been paid long before to a different person. I first complained to the bank manager at the local branch on XXXX XXXX. When the bank would not provide any compensation for their mistake, I wrote a letter of complaint to the Missouri Division of Finance, which they forwarded to the federal Office of Comptroller of the Currency because US Bank is a national bank, which did n't even take my complaint seriously. Now the contractor will not even deliver materials already paid for, much less finish the work already paid for. Please help.
Product: Debt collection

Debt collector NCC Business XXXX has been calling for months. My wife and I are not aware of any past due debts. Having been alerted to this company 's harassing techniques by numerous posts on XXXX, for months I did not answer their calls. Finally I answered and said that we do not have any past due debts, and asked them not to call again. I do not know if anyone was on the other end of the phone to hear and log my request. The calls have continued and I do not answer. Today, XXXX XXXX, 2015, XXXX., I received a call from this number, this time leaving a message. The message said, " We have an important call from NCC. This is a debt collector. Please call ( XXXX ) XXXX. Thank you. '' What I find interesting is that the message is recorded and calls neither me nor my wife by name, nor does it reveal the nature of the debt. From numerous XXXX posts, when others return the call, the representative insists on the caller revealing personal information, including Social Security number, before discussing the nature of the debt. Based on this shady technique, I will not be calling this number because I will not reveal such personal information to what I believe are cold-call debt collectors phishing for information. I have received no letter nor bill from any creditor that indicates either my wife or I are in arrears on any debt. I consider these calls to be phishing and harassing and ask that you help me put an end to these calls.
Product: Mortgage

In XXXX XXXX my sister and I purchased our family home from our parents for {$310000.00}. We share a XXXX ownership and are both on the title and original loan. We used XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Phone # XXXX. At time of closing the Lender was XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 

In XXXX XXXX we decided to refinance and used the same Title company and Lender as stated above. Once again my sister and I provided proof of our incomes and all other requested documents. We were given a closing date of XXXX/XXXX/XXXX. We arrived at closing and signed all Documents for the 1st Mortgage {$330000.00}. For some reason the 2nd Mortgage for {$51000.00} documents were n't ready and we were told to come back on XXXX/XXXX/XXXX for the 2nd closing. We did so and both signed all documents. We received all Payoff and Excess cash to close checks during this second closing. 

Our first mortgage was sold tXXXX XXXX XXXX XXXX. Our 2nd mortgage was sold to Citimortgage. Somehow during this change of Lenders my sisters name was left off of both  Loans. When I inquired about it to both Lenders they new nothing of the shared ownership or of my sister being on the Loan. I contacted the Title Company and the Original Lender. Wanted to know why I was the only one on the Loan when both incomes were supposed to be used. Never got a satisfactory answer or explanation. 

At this point I felt stuck in the situation. During each Closing we were never told or given a fully understandable explanation about the ARM and Fixed interest rates on these 2 mortgages. The first mortgage was refinanced to {$330000.00} and was an ARM@6.250 % for 360 months. This Loan was held by XXXX XXXX XXXX for 7 years then sold to XXXX. Neither lender would refinance after we tried multiple times. Finally in XXXX XXXX after 10 years we were able to refinance the 1st mortgage with XXXX Loans whom we are extremely happy with. They attempted to consolidate both 1st and 2nd Mortgages into 1 Mortgage Loan but Citimortgage refused. The 2nd Mortgage with Citimortgage was for $ XXXXXXXX7.995 % fixed higher than the first for 180 months ( 15 years ). In 10 years only {$6800.00} has gone to the principal. Leaving a balance of {$44000.00}. How is this balance supposed to be paid off in 5 years with {$370.00} monthly payments? 

My main complaint would be with 3 entities ; 1. XXXX XXXX XXXX XXXX XXXX located at XXXX XXXX  XXXX, XXXX XXXX, XXXX XXXX, NJ XXXX Phone # XXXX. This office is now closed and all records are in storage. I requested copies of my closing files while trying to refinance. Received my records from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NJ XXXX. 2.  Lender was XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, TX XXXX. 3. Current Lender of 2nd Mortgage, CitiMortgage, Inc. XXXX. XXXX XXXX XXXX XXXX, SD XXXX XXXX.
Product: Vehicle loan or lease

On XX/XX/272019, I requested Nicholas Financial to send me any documentation via mail that legally allows them to report to my credit report.  I have yet to get a reply to this letter.  I sent an additional request for the same information on XX/XX/2019, and again, received no response.
Product: Debt collection

Im unaware of this debt and did not receive proper notification. If you believe you have supplied me with the proper notification, please provide the Certified Mail Receipt with my signature.

I.C. SYSTEM, INC - XXXX
Product: Credit reporting or other personal consumer reports

XXXX, Equifax, XXXX are reporting an invalid address for me. I have never stayed at XXXX XXXX XXXX, XXXX mi, XXXX. I have no accounts tied to this address. My address is XXXX XXXX XXXX, XXXX mi XXXX, I have been at this address for XXXX  years, I have stayed in XXXX my whole life.
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently filed a complaint about equifax having unauthorised hard inquires on my report. I also mentioned that they will not let me access my account. I cant even get past name, address, SS #, birthday as they keep saying my answers dont match there records. This is rediculouse.I know my own info. I even included there file number XXXX. They are rudely mistaken. They e-mailed me saying I could check there answer to the investigation. However they wont acknowledge I am me. So what option do I have but to ask for seriouse help.
Product: Debt collection

Received a notice on my credit report of a delinquent account in the amount of {$7900.00} from an apartment complex in XXXX Alabama. I live in Florida and have never heard of this apartment complex. 

It has been handed over to a debt collection company named Hunter Warfield, of XXXX Florida, phone # XXXX. 

The original debt was the apartment complex owned by XXXX XXXX XXXX XXXX, IL, phone # XXXX. 

I am going to file a police report and dispute the charges.