23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Please be advised this is my SECOND WRITTEN REQUEST asking to remove the account listed below that remain on my credit report in violation of 15 U.S.C. ss 1681. Reporting inaccurate and unsubstantiated information to a credit reporting agency may constitute fraud under federal law. This company has ignored my request to provide me with the documents that they have in their files that they used to validate the disputed account which means that they have NOT validated or can not validate this account and under section 611 ( 5 ) ( A ) of the FCRA- they are required to " promptly DELETE information which can not validate or verify. '' The law is very clear as to the Civil liability and remedy available to me for " negligent noncompliance '' ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and following accounts be validated immediately. A copy of this complaint as well as copies of the previously written letter sent to you by certified mail with proof of delivery will also become part of a formal complaint to the Better Business Bureau. They will also be submitted as evidence in pending litigation provided you fail to comply with this complaint. Once again, the law is very clear as to the civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I intend on pursuing litigation in this matter to enforce my rights under the FCRA. I do not have a signed contract nor any contract with CREDIT MANAGEMENT. I have never done business with this company. I am not liable for collection from this debt from CREDIT MANAGEMENT. I am not responsible for this debt with CREDIT MANAGEMENT. Also per the State of Florida Office of Financial Regulatory you must be licensed and bonded in the state of Florida to collect.
Product: Vehicle loan or lease

hello, I paid off my loan on XX/XX/2022 On XX/XX/XXXX, Westlake took a " payment excess '' additional payment of {$490.00} I stated calling in XXXX requesting they refund my overage After making four calls to request the refund and was repeatedly told to call back in two weeks I requested in writing they return the extra payment they took in XX/XX/2022 After 70 days they have not returned the extra payment they took after the loan was paid off
Product: Credit reporting or other personal consumer reports

I recently reviewed my Innovis report and notice that they were reporting accounts that were not mine and are fraudulent I would like to have those accounts removed from my report immediately. XXXX XXXX  account ending in XXXX, XXXX XXXX XXXX account ending in XXXX, XXXX XXXX XXXX XXXX account ending in XXXX, XXXX XXXX XXXX XXXX account ending in XXXX, XXXX XXXX  XXXX XXXX account ending in XXXX, and XXXX XXXX  XXXX XXXX account ending in XXXX.
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 any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX 's actions XXXX also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C. 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding against them for similar violations. I request that the CFPB take action to ensure XXXX complies with federal law and provides consumers with the necessary proof of investigation. 


XXXX XXXX XXXX Original creditor : 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: Mortgage

We had an FHA loan through Flagstar Bank. During XXXX we had taken a deferment. Instead of adding the amount to the current mortgage, they filed a second lien against the property. We paid the loan off on XX/XX/XXXX and assumed that Flagstar would release the liens as is required. They never did but we did not find out until XXXX, XXXX that the lien for the deferment was still there. Since that time we have been attempting to the get the lien released. We have been in contact with Flagstar at least 7 times to get this resolved. We had also filed a complaint with the CFPB previously but because I used my sister 's email and not mine they wouldn't respond and the CFPB closed the complaint. It has been 8 months and the lien is still on the property. Attached is the previous CFPB complaint which contains the loan number and dates of complaint. It also includes the reference numbers we were given by Flagstar to " more eaiser track our complaint ''. Not only have they not removed the lien but we have never been contacted by them with updates as to what they are doing to resolve this issue.
Product: Credit reporting

a debt from XXXX was found to be inaccurate when listed with another collection company XXXX and was removed. Now they put it back on my report under a different collection company XXXX XXXX XXXX.
Product: Student loan

On XX/XX/XXXX I initiated a loan consolidation through FSA including my student loan through XXXX and my parent plus loans through Mohela. On XX/XX/XXXX my application stated " in review '' still. I attempted to add XXXX additional loans to my loan consolidation and apparently that initiated a second consolidation loan application. Both loans state " in review with the XX/XX/XXXX date when I go to the FSA site. I am working with XXXX through my employeer XXXX to complete PSLF. I have attempted to contact FSA multiple times and EVERY attempt ends in FSA disconnecting the call without speaking to anyone. I have attempted to contact Mohela as well but after staying on hold for extended periods of time, it disconnects the call without speaking to the staff. I have file XXXX complaints with the FSA on XX/XX/XXXX and XX/XX/XXXX without any resolution. The only correspondence I have from Mohela is that my loan is now in forbearance. I do not have any idea if the consolidation is complete or not.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am filing this complaint because XXXX, XXXX, and Equifax have ignored my request to provided me with the documents that their company has on file that was used to verify the accounts I disputed. Being that they have gone past the 30 day mark and can not verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA- they are require to '' ... promptly delete all information which can not be verified. '' that I have disputed. Please resolve this matter as soon as possible. Thank you.
Product: Credit reporting, credit repair services, or other personal consumer reports

IVE ATTACHED USAA PAYMENT HISTORYS FOR ACCOUNTS THAT WERE CLOSED/CHARGED OFF BY USAA. THESE ACCOUNTS HAVE CAUSED A SNOW-BALL CATASTROPHIC PLUNGE TO MY SCORE OF XXXX! MY ATTACHED CREDIT PAYMENT HISTORY WILL CLEARLY DEMONSTRATE HEALTHLY CONSUMER ACTIVITY PRIOR/LEADING TO THE 2020 PANDEMIC. MY UNUSUAL PAYMENT ACTIVITY IS SOLELY DUE TO COVID 'S PANDEMIC IN WHICH I'VE STRESSED TO USAA. IM LABLED AS A HIGH-RISK CONSUMER WHICH IS INCORRECT & FALSE. USAAS UNWILLINGNESS TO TAKE THE TIME TO PHYSICALLY REVIEW MY CREDIT HISTORY INORDER TO MAKE AN ACCURATE AND SOUND CREDIT DECISION PER REQUEST HAS LEFT ME CONFUSED THIS ENTIRE YEAR. HAS CAUSED A BIGGER ISSUE IN REGARDS TO MY CREDIT SCORE. I NEVER KNEW XXXX CREDIT SCORES WERE EVEN POSSIBLE! USAA CONSUMER REPORTING IN 2020 HAS MISREPRESENTED MY TRUE CONSUMER IDENTITY. I UNDERSTAND FINANCIAL INSTITUTIONS HAVE RULES AND GUIDELINES. I TAKE FULL FINANCIAL RESPONSIBILITY FOR MY ACTIONS. I'M LEFT CONFUSED, NOT ONE USAA REP TOOK THE TIME TO LOOK INTO MY CREDIT HISTORY TO ACCURATELY GAIN A BETTER UNDERSTANDING & PERSPECTIVE ON WHO I AM AS A XXXX VETERAN CONSUMER. POSITIVE REPORTING CLEARLY DISPLAYED IN MY CONSUMER CREDIT REPORT PRIOR TO 2020. IVE INFORMED USAA OF MY HARDSHIP '' AT LEAST 6 TIMES A MONTH. BUT IM CONSTANTLY DENIED ASSISTANCE DO TO " NOT QUALIFIED '' TO RECIEVE NOR PARTICIPATE IN ANY USAA AID RELIEF PROGRAMS. BUT, REP REQUEST PAYMENT FOR PAST DUE ACCOUNT. C'MON. MY ENTIRE CREDIT HISTORY HAS BEEN DESTROYED ALL IN 10 MONTHS. ECONOMY DOWN ( SLOWLY PICKING BACK UP NOW ), ZERO AID RELIEF THIS ENTIRE PANDEMIC, WIPED OUT CHECKING & SAVING TO SUPPORT MY XXXX KIDS AS A SINGLE DAD. I COULD CARE LESS ABOUT MY CHECKINGS ANDS SAVINGS ACCT. ITS MY CREDIT I TAKE PRIDE IN. WITH A CURRENTXX/XX/XXXX CREDIT SCORE, THATS AN INACCURATE AND COMPLETE MISREPRESENTATION OF MY TRUE CONSUMER ID. ALSO, LENDERS REFUSE TO GRANT ANY FINANCIAL REQUEST. MY XXXX TODDLERS AND I HAVE BEEN THROUGH LIFE CHANGING EVENTS AND SEVERELY PENALIZED DUE TO CONSUMER REPORTING INACCURACIES. I'VE PLEADED WITH USAA, PLEASE BASE ANY/ALL CREDIT DECISIONS PRIOR TO 2020 WHICH WAS DISREGARDED. AND CONSEQUENTLY, I NOW HAVE " XXXX '' RESOURCES DUE TO INACCURACIES LISTED ON 2020 CREDIT REPORT. AS A XXXX XXXX XXXX VET BATTLING XX/XX/XXXX, AND 11 GOOD YRS BANKING WITH USAA. WOULD HAVE NEVER IMAGINE USAA WOULD CLOSE THERE DOORS ON ME AND MY FAMILY DURING NATIONAL DISASTER
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my second endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX NH XXXX XX/XX/XXXX ; U S DEPT OF EDXXXX XXXX XXXX : {$0.00} ; XXXX XXXXXXXX XXXX Balance : {$3800.00} ; XXXX XXXX ( Original Creditor XXXX XXXX XXXX XXXX ) XXXX XXXX : {$0.00} ; XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying ACCOUNTS recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX Balance : {$4800.00} XXXX XXXX Balance : {$1200.00} XXXX XXXX XXXX Balance : {$3500.00} XXXX XXXX XXXX Balance : {$4100.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$1100.00}
Product: Debt collection

I am a victim of identity theft by a family member, who is now dead. I have written several letters to Citibank about this matter. They refuse to believe me. They hired a debt collector to come after me, and I sent THEM the information, and they sent a letter saying they did not know that I had disputed the debt, and they did not pursue me further. I wrote ANOTHER letter to Citibank with supporting documentation. I sold jewelry, and made an offer of settlement though I DO NOT owe them any money, but I just want this over. They did not respond to my offer, they just sent another letter, from XXXX XXXX of the Executive Response Unit, and she said they will no longer respond to me in any way, and they have hired ANOTHER debt collector to come after me -- Northland. I have not yet heard from them directly. I suppose that they will keep hiring collectors, or even sue me. This letter even referenced a second card number, that I never had. I am in poor health and the stress has caused several XXXX XXXX.
Product: Credit reporting or other personal consumer reports

To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXXXXXX XXXX XXXXXXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXXXXXX XXXX  XXXX XXXX {$7900.00} XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX {$2400.00} XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$20000.00} XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXX {$8600.00} XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX  XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX XXXX {$5600.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$2300.00} XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

I did not consent to authorize nor benefit from the following account ( s ). Block and Remove!
Product: Checking or savings account

Navy Federal Credit Union is insured under the National Credit Union Administration for up to XXXX on each members deposit account so my account is insured for XXXX yet Navy Federal Credit Union has charged me 6 insufficient fund fee which are {$29.00} for each one. This is ILLEGAL as Navy Federal Credit Union did NOT take a loss due to my account being protected with insurance. Navy Federal Credit Union is not only keeping the insurance for my account but the interest payments as well for each deposit so I can not be charged when Navy Federal Credit Union is already keeping ALL the proceeds as the custodian over my account. 

Custodial Accounts The combined balances in a minors custodial account ( an account established under the provision of the Uniform Transfers to Minors Act ) are insured separately from funds the minor or custodian has in other Navy Federal accounts, and receive separate insurance coverage for up to {$250000.00}.
Product: Checking or savings account

Incident time and location : XX/XX/23 XXXX pt time, on th phone XXXX with capitalone employee XXXX ID number : XXXX Details : My checking account fund of XXXX dollars are not being used or transfered im behind my mortgage payment and medical bill, needing the fund immediately. 

I uploaded my government ID per email instruction and called today to make sure my account is cleared. When I spoke with XXXX, she was more introgating no-banking related questions, she asked where I'm and if I'm in the United States , what I'm going to use this fund for and how I'm going to fund this account, I qustiond her about these intrusive questions and expressed my discomfort, instead of assisting me to address my need she is roboticakly striking her on her keyboards document diligently and I happened to find out my conversation about my plan to XXXX is documented in my account note, I questioned again why all these and how long i have to face these experiences, she replied it is up to capital one and it depends and it is to capitalones discretion. informed her I refused to answer and I feel I being treated like a criminal by her and the bank and it is my fund I need yo withdraw, she then bluntly stated I'm not going to remove your restriction then I requested to speak with her supervisor she questioned me why I explained I need to address my experience and ask the manager to further assist my withdrawal request. She put me on hold twice and the call disconnected. 

In addition to this incident, I have encountered other checking account issues and credit card acckunt issue, basically, capital one deducted my checking account fund but not reflecting the payment on my credit card balance at all or they will reflect partial of it, these strange incidents making worry if they are using my fund to invest their financial products and causing my fund delay. 

Appreciate your assistance. Thanks.
Product: Checking or savings account

Not being able to access or use overdraft. Not being able to to sign or use banking apps or connect external account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted an application with XXXX XXXX XXXX on XX/XX/21 only and my credit was pulled without my permission with XXXX, XXXX, XXXX XXXX, and a duplicate report with XXXX. The listed inquiries was without authorization and for no legitimate business purpose. I never authorized such action, and this constitutes a violation of my rights of the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy.I am requesting your credit bureau to initiate an investigation to remove these inquiries. I respectfully request a copy of any document authoring credit inquiry..
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 U.S.C 1681. 
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, Transunion, and XXXX  to reinvestigate these account.

15 U.S.C 1681 section 602a : I have the right to privacy.

15 U.S.C 1681 section 604a section 2 : It also states a Consumer Reporting agency can not furnish account without my written instructions.

15 U.S.C 1681c ( a ) 5 section : No Consumer Reorting Agency may make any consumer report containing any of the following item of information any other adverse item in information other then 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 of has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

The presence of these unauthorized accounts and inquiries has caused considerable concern about my financial stability. It is crucial that my credit report accurately represents my financial history, as it plays a vital role in informing potential lenders about my financial management. Therefore, I am requesting an urgent investigation and swift correction of the following inaccuracies and unauthorized accounts. 

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: Money transfer, virtual currency, or money service

I received a 1099-k tax form from Block Inc that states I received XXXX USD in payments during the year of XXXX. I contacted Cash app, the main company, and they stated they could not help me because my account had been closed ( most likely due to the fraudulent activity ), I have reached out again with no further response.
Product: Money transfer, virtual currency, or money service

I'm filing this compliance against Cash App XXXX Block Inc ) due to inadequate customer service and lack fair practices which violates the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent and address fraud on their platform leaving my account vulnerable and unprotected. Furthermore their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the electronic funds transfer act. And regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Student loan

On XX/XX/XXXX my Navient loans emerged from deferment after my cosigner 's bankruptcy disbursement was accepted. My total loan with Navient is {$160000.00} and my monthly payment is {$1300.00}. I only make {$50000.00} a year in Washington, DC, and between servicing two other loans, bills, and living expenses that exceeds my funds my hundreds of dollars. 

That evening, I attempted to fill out Navient 's payment plan estimator tool, but I continued to get error messages. After thinking it was a misunderstanding of mine, I called them on XX/XX/XXXX to speak with a live person about repayment options. The person I spoke with informed me that my loans were not eligible for payment plans and that the total is due beginning in XX/XX/XXXX. I explained that the payment was greater than my rent, and I was simply can not make that payment. My representative then asked me how much I think I could pay. Naturally, I thought that was suspicious and told her I would not haggle, I know there are formulae used based on my income they could use to determine a more manageable payment and that I would not engage that line of questioning. Next, she explained there was one option - an " interest only '' payment plan. The interest only plan estimated about {$940.00} a month and still exceeds my means. She said I had no other choice. I told her to put it in my account notes and I would call later. 

On Monday XX/XX/XXXX I called again to get some paperwork to review. It was the same story with no other plans, but then they told me they could not send me anything until I agreed to it on the phone. That really raised my suspicion. I refused to that arrangement and asked they send me an estimate in writing to my email. They said they had to write a special letter and only could send it through the USPS. I am currently awaiting that letter. 

My job hunt is dependent on me paying my bills, and this can severely impact my ability to pursue a career and earn an income.
Product: Mortgage

A recent case with CFPB was marked closed but the lender Dovenmuehle Mortgage , Inc. did not fully execute all of what they stated they would do ( money owed to me was not sent via check, no tracking, no image of the check has been given to me ). Case Number XXXX. Based on your CFPB data Dovenmuehle has a history of misplacing or not sending out checks owed to consumers. I have not received the check owed to me even though the company stated in electronic correspondence that it was sent on XX/XX/2021 to my address. Additionally I have stopped receiving any form of correspondence from Dovenmuehle since XX/XX/XXXX via mail, which I had been previously been receiving, i.e. status report letters of communication between myself and the company. I have a mail service which scans all of my incoming mail and no mail has been received from Donvenmuehle since XX/XX/XXXX ( since I actually escalated my case through CFPB ). Because of the lenders history of not sending checks and the fact that the lender never complied with my inquiries before CFPB assisted me I am requesting that CFPB get me the check that is owed to me. Either tracking information or an image of the check, but more importantly that I actually physically get the check. It is a substantial amount of money {$3700.00}. I am concerned that the lender will state that it was mailed and that I must wait 90-180 days for another check to be issued. I am a XXXX XXXX  veteran which is why I am owed this money ( previous case explains the reasoning as to my why I do not pay property taxes in ILLINOIS ). Please if you could help me acquire the check owed to me. LOAN NUMBER XXXX, GUARANTEED RATE ( DOVENMUEHLE MORTGAGE INC ) ADDRESS OF PROPERTY XXXX XXXX XXXX, XXXX, IL, XXXX. Attached to this request is a letter from lender of day check was sent and a picture of my mail service that scans every piece of mail which is why i can prove nothing has been received by me nor has arrived at the post office.