23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I applied for a HELOC on XX/XX/2022 with Navy Federal Credit Union, and as soon as I was assigned a loan officer, I emailed to explain that I did not have income showing on my tax returns over the last two years due to Covid and family trauma ( I chose not to work because I was in the position to do that ), but my income ( direct deposits into my NFCU account ) from my company this year was over six figures because I went back to work. I was assured my year to date income would be considered, but after paying {$510.00} for an appraisal on XX/XX/XXXX, and after waiting 2 months since application, they sent me a denial today, XX/XX/XXXX, saying my income was insufficient because they based it solely on my last 2 years tax returns and did not even collect the information for my year to date income. I asked from the start if this would be an issue, and I have saved the emails I sent from early XXXX regarding this. I also had enough cash in my NFCU accounts to pay the full HELOC amount 3 times over, which I did not put to use on other opportunities because the advised me not to make any other investments with these funds during the HELOC processing ( steep opportunity cost here ). They did not even call or offer a lower HELOC amount, they just sent a denial letter on XXXX. After 25 years with NFCU, I'm taking my business elsewhere because I got such a run around with this, and now rates are higher so it's not worth it for me to apply somewhere else. In addition, my credit has dropped down from XXXX because of the hard credit pulls from NFCU. They are relying on technology to do the work that they need to have actual humans doing because if there were responses and real communication during this process, some kind of alternative could have likely been reached. NFCU is now unresponsive. The bottom line is that despite my full disclosure of my income situation, NFCU did not verify anything with my income before having me pay for an appraisal. I obviously would not have wasted my money if I had any idea that there was in fact an issue with everything I disclosed as soon as I was assigned a loan officer.
Product: Credit reporting, credit repair services, or other personal consumer reports

In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. XXXX : In Accordance with the Fair Credit Reporting Act XXXX Account # XXXX XXXXXXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction. TRANSUNION : In Accordance with the Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX Account no. XXXX, Has violated my rights. 15 U.S.C 1681 Section 602 A. states I have the right to privacy.! 5 U.S.C 1681 Section 604 A Section 2 : It also states a cosumer reporting agency can not furnish a account without my written intrsuction.
Product: Credit reporting, credit repair services, or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my credit file & noticed many files which do not belong to me. Since Im a stickler for research, I found that under section 605b ( a ) Experian shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt and it requires the following documents and statement to remove the disputed accounts on my file : ( 1 ) Appropriate proof of the identity of the consumer ; ( 2 ) A copy of an identity theft report ; ( 3 ) The identification of such information by the consumer ; and ( 4 ) A statement by the consumer that the information is not information relating to any transaction by the consumer.

The dispute items do not belong to me. Im attaching the required FTC Report for you ( which complies with FCRA Section 603 ( q ) ( 4 ) which states ( 4 ) The term " identity theft report '' has the meaning given that term by rule of the Bureau, and means, at a minimum, a report ( A ) That alleges an identity theft ; ) ( B ) That is a copy of an official, valid report filed by a consumer with an appropriate Federal, State, or local law enforcement agency, including the United States XXXX XXXX XXXX, or such other government agency deemed appropriate by the Bureau ; and ( C ) The filing of which subjects the person filing the report to criminal penalties relating to the filing of false information if, in fact, the information in the report is false. ) XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$25000.00} and XXXX XXXX XXXX Date Opened : XX/XX/2013 Balance : {$14000.00}.
Product: Credit reporting or other personal consumer reports

I reviewed my Consumer Reports and noticed that I had one late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of theirability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX XXXX XXXXXXXX ) : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.
Product: Credit reporting or other personal consumer reports

This information is negatively affecting my creditworthiness, and I am requesting an immediate. I am disputing the accuracy of this account as it appears on my credit report. The balance and charge-off status reported are incorrect, as the account was fully resolved previously. This erroneouinvestigation Please update my credit report to remove this inaccurate entry and notify me once the correction has been made. It is critical that my credit report accurately reflects my financial history.
Product: Credit card or prepaid card

I was sent an XXXX XXXX debit card. The card was sent to by by XXXX. It was associated with my name and SSN. However, I never requested the card. Weirdly, it had my correct name and address. 

I contacted the company to request immediate cancellation. XXXX confirmed that they bulk-send cards out " hoping that [ consumers ] will find value '' in the card and continue using the service. When calling the company, I had to validate I was who I claimed to be by verifying my correct SSN. 

This business practice poses a very high risk that the card could fall into the wrong person 's hands and could, in turn, have adverse impact on credit scores. Given the sophistication of scams today, it's also amazing that a company would think it's OK to send these types of " offers '' out to the general public. Calling into a " call center ' and having to pass along sensitive information that was never provided to this institution in the first place is a great way for scammers to get financial information needed to open fraudulent accounts.
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. 

Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX and list of Inquiries. 

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.
Product: Money transfer, virtual currency, or money service

PNC Bank has changed their policies disallowing their customers to link their bank accounts to investment portfolio services such as XXXX and XXXX. They don't reserve the right to prevent me from funding my investment portfolio when they themselves don't offer services to invest my money into stocks and bonds.
Product: Checking or savings account

PNC Bank sent multiple notifications via USPS stating they were closing multiple accounts, where my name was listed, by XX/XX/XXXX. Two of these accounts are long established business accounts ( opened since 2007 ), while the other two are personal/family members accounts that have been open for at least 20 years. We have reached out to PNC Bank several times both to our local branch and via the toll-free number provided in the letters. All individuals I spoke with stated they were unable to or unwilling to provide any information to the accounts closing. They were also unable to direct us to anyone who could give us any reason for the accounts closing. The combined total in the accounts is approximately {$130000.00}. There have been no unusual transactions made in any of these accounts. The type of account activity has pretty much remained the same since they were opened. 
Please advise what you can do as I would like a detailed explanation for the decision to abruptly close my accounts. 
Please note the only contact between the bank and myself was via these generic letters with no personal contact information supplied.
Product: Student loan

My step daughter XXXX had XXXX loans in default, and XXXX not in default that I was a co-signer on. We were contacted by someone who claimed to be from Navient, someone named XXXX, but whom I have heard recently was with a 3rd party. About 13 months ago, we negotiated a settlement for all XXXX loans and sent a check to Navient. We were assured REPEATEDLY that the settlement would be for all XXXX loans. When we received documentation, only XXXX loans were listed. Over the past 4 months, Navient has basically been harassing me for payment of the XXXX loan, the one I was co-signer on! XXXX flat out LIED to us REPEATEDLY, engendering us to send a check. And knowing full well that we may have the means to pay AGAIN for the XXXX loan, cheated us by leaving the XXXX loan off the agreement that I was co-signer on! These people are thieves and belong in PRISON! They have been calling me 4-5 times a day for the past few months. I have told them full well that I will never give them another NICKEL! I would be pleased to make special effort, including travel, testifying etc., to join a class action law suit. Please let me know. My name is XXXX and I can be reached at XXXX
Product: Debt collection

Supposely I received a pay day loan from Money More XX/XX/XXXX and now being contacted XXXX They say that I am being charged with fraud and passing a bad check When contacting this company they said that I was given a letter of intent XX/XX/XXXX I have never received this letter. When I asked for an address to send pament they refuse to give me a address. They are supposely going to take me court and have me arrested etc .... Phone number for XXXX XXXX XXXX # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Account # 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 instructions 1 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$780.00} 2 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$660.00} 3 ) Account Name : XXXX  XXXX Account Number : XXXX Amount : {$5100.00} paid by my insurance I also have gap insurance with them at the time 4 ) Account Name : XXXX XXXX XXXX Account Number : XXXX Amount : {$150.00} 5 ) Account Name : XXXX XXXX XXXX  Account Number : XXXX Amount : {$760.00} 6 ) Account Name : XXXX XXXX Account Number : XXXX Amount : {$730.00}
Product: Credit reporting or other personal consumer reports

My husband and I called and spoke with several loan account specialists on XX/XX/21 before speaking with the collections department. We were not aware that our last payment for our auto loan was due before XXXX. This was because we had previously requested a deferment and those two payments were put on the back end. However, after speaking with a " XXXX '' in collections who was very rude, we scheduled a payment for XX/XX/XXXX and were told that this would not affect our credit. We provided the collections representative with all of the payment information to schedule the last payment for XX/XX/XXXX. However, today I received an alert that the account has been reported delinquent. We have been loyal customers and have always paid our loan. We are very disappointed and frustrated that Truist would treat us this way after having paid off our entire loan with them after XX/XX/XXXX. At this point, we will NEVER do business with Truist in the near future because if this is how they treat their customers, I would rather take my business elsewhere and to think that we were thinking about opening a checking/savings account with Truist has also left us thinking otherwise. I hope that this issue can be resolved and that Truist will remove this derogatory inquiry from our credit reports. Also, nowhere in the deferment agreement does it state that the final payment will be a balloon payment. Therefore, we were unaware that we would have to make a final payment of more than {$800.00} in XXXX. Therefore, we only paid the amount that weve always paid on the loan, in which the loan payment was never late. It's not right that Truist reported the last payment as past due to the credit report agencies. We did make the regular payment, we just weren't aware that we had to make a double payment for the last remaining payment on the loan.
Product: Credit reporting or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating 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. 


UNUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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. 

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for this
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc . ) due to inadequate customer service and unfair practices, which violate the Consumer Financial Protection Act ( CFPA ). 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 Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Credit reporting, credit repair services, or other personal consumer reports

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. 

XXXX. 15 US-CODE 1692E FALSE OR MISLEADING XXXXXXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 


XXXX. 15 US-CODE 16921 ADMINISTRAIVE ENFORCEMENT XXXX XXXX Account Number : XXXX Delete this account. 


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


XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report.
Product: Credit reporting or other personal consumer reports

As per the XXXX Emergency Relief and Student Loan guidance from the Department of Education all Department of Education XXXX XXXX are suspended from payments, collections and default from XXXX XX/XX/XXXX through XXXX XX/XX/XXXX. This is solidified in the Coronavirus Aid, Relief, and Economic Security ( CARES ) Act ( P.L. XXXX ) and invocation of the Higher Education Relief Opportunities for Students Act of XXXX ( HEROES XXXX ). 

Based on the actions the Department of Education put for the following policies : Accrual of interest on ED-held student loans and certain non-ED-held student loans was suspended from XX/XX/XXXX, through XX/XX/XXXX. 
ED-held loans were placed in a special administrative forbearance ( payment pause ) for XX/XX/XXXX, through XX/XX/XXXX. During this time, borrowers were not required to make payments on their loans. This special administrative forbearance counted toward the 120 monthly payments required to qualify for XXXX XXXX XXXX XXXX ( XXXX ), the maximum repayment periods under the income-driven repayment ( IDR ) plans, and the XXXX voluntary payments required for individuals to rehabilitate their defaulted loans. 
Debt collection activities, including involuntary collection activities such as wage garnishment and offset of certain federal benefits ( e.g., Social Security benefits ), were suspended on ED-held student loans for XX/XX/XXXX, through XX/XX/XXXX. 
Multiple rules related to the 120 monthly payments required to qualify for XXXX were waived. 
A one-time revision was made to the accounts of borrowers with ED-held loans to provide credit toward the XXXX plan maximum repayment XXXX for any months in which they were in repayment status and for specified periods of deferment or forbearance. 

My XXXX  student loans were owned by the Department of Education ( proven by the Department of Education XXXX approval ). As per court order ( CFPB vs XXXX XXXX ) XXXX has been banned from servicing student loans based on decades of systemic predatory and deceptive practices, my loans have been moved to another servicing agent. 

XXXX is no longer responding to verification requests. 
The credit report company is now responsible for removing incorrect and inaccurate reporting information on my credit report. 

As per XXXX XXXX and XXXX XXXX any and all XXXX late payment information from XXXX XX/XX/XXXX through XXXX XXXX is inaccurate and incorrect. 

Any and All late payment information from that time period needs to be removed immediately. See references.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has failed to properly handle our fraud dispute i have submitted 4 letters starting back in XX/XX/2018 about the identity theft.They have violated FCRA i have receipts from the post office that they signed and received my letter. Yet when i called them they notified me they never received anything. I have an account that is fraudulent reporting on my report that has caused me and my family to be unable to rent the companys name is I.Q DATA INTERNATIONAL THIS ACCOUNT IS NOT MINE. Its attached to an address in Oregon that i don't live and i haven't. I have been at my current address for 3 and half years here in texas
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022, a background investigation company called XXXX initiated an employment screening on me and completed a SSN Trace. The result of that report provided Information which included Alias Names taken from Transunion 's Credit History Log or History File List. It also included Counties associated with my SSN. There were gross inaccuracies in the data provided to XXXX. Transunion provided that information as if it was true and correct. It appears they merged people 's names that were similar to mine in this report. XXXX confirmed that they received the information from Transunion XXXX XXXX or XXXX XXXX. I contacted Transunion 7 times attempting to correct this inaccurate information. Transunion is reporting 9 variations of my name from their credit log file that is inaccurate. They are also reporting several counties and dates of residency which are also inaccurate. Transunion has refused to delete, correct or update this information. Because this information does not appear directly on my credit report, I do not have the ability to dispute it. This information is being sent directly from Transunion 's files that they share with pre-employment or rental screening companies. This is the second time Transunion has provided a background screening company this same inaccurate information. They also provided this information to XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX I wrote a letter to TransUnion, XXXX, and XXXX asking them to delete all inaccurate personal information from my credit report I mailed in supporting documents such as current drivers license, birth certificate, social security card, current utility bill, ect. and they still failed to update my personal information. again on XX/XX/XXXX I sent a second letter to all three credit bureaus with supporting documents and again on XX/XX/XXXX a third letter with little to know result. Some information was updated and removed with TransUnion, and XXXX, but nothing changed with XXXX, and XXXX has been the most difficult to work with. I even sent in a police report where my wallet was stolen that had my current drivers license, and social security card in it. 

I have continued to send letters with little to no results : XXXX letter sent XX/XX/XXXX letter sent There was a collection from XXXX that showed up on my credit report at the end off XXXX or the begging of XXXX I tried to dispute that, but that came back as verified. I have requested a debt validation letter from all three credit bureaus, and I have not received anything. I have not received anything in the mail from XXXX and I truly believe that this collection does not belong to me. 

After my wallet was stolen I started seeing hard inquiries appear on my credit report I don't know what else to do, but the information that they refuse to update or delete is inaccurate.