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

XXXX XX/XX/year> I joined Navy Federal Credit Union and was pre-approved for an Auto loan ( XX/XX/year> ). I received a " Not to exceed '' check ( up to {$33000.00} ) for the dealer. When I went to purchase a vehicle a several weeks later ( XX/XX/XXXX ), Navy Federal refused to verify the check claiming my account was suspended pending an investigation for fraud. I was never notified and was told to download and submit a " Security Appeal Form '' which will take up to two weeks.

To complete the transaction, I had to apply/agree to a dealer provided loan at more than double the interest rate I was pre-approved. 

Several attempts ( XXXX XXXX, XXXX XXXX XXXX  ) to obtain the status of the " investigation '' failed to get any answer. Finally received a response XX/XX/XXXX asking for more identifying information,. 

Two days later I get the following response not related to the investigation : [ Dear Member : This letter concerns your request for the restriction to be lifted from your account ( s ).

We have carefully reviewed the information you provided. In view of the unsatisfactory manner in which you maintained your previous account ( s ), we are unable to remove the restriction at this time.

If you have any questions regarding this matter, please let us know. You may call us toll-free anytime at XXXX. 
Sincerely, Fraud Operations ] -- -- -- -- -- -- -- -- -- -- -- XXXX XXXX I Called to discuss but was put on hold and disconnected after a while. 
============================== On XXXX XX/XX/year> I secured a refinance loan with XXXX and called Navy Federal to close out my account and refund my deposit into the savings account. After a while on hold, the rep came back an to me I could ONLY close out my account at one of their branch offices. The closest one is an hours drive from my home! The rep refused to close out my account over the phone or accept a written request.

Requiring a consumer to physically drive to a distant location just to close out an account that was opened and processed entirely over the phone is unreasonable. This policy appears to be a deliberate tactic to discourage consumers from closing accounts and recovering their deposits. I am a veteran and senior citizen with health issues so driving an hour each way, is an unnecessary burden on me. 

Since opening the account and receiving pre-approval was all done over the phone, this matter should be easily resolved over the phone. The amount of the refund check is ONLY {$5.00}!!! 

I hope you can stop this company from preying on other consumers. 

Thank you for any help you can provide.
Product: Checking or savings account

Im not even a month into having this bank account ( XXXX ) and they freeze it for undisclosed reasons. They wont tell me why XXXX Ive gotten asked was do you have a XXXX party bank account and I responded with you guys are my XXXX party account as your only online banking I thought that just made sense.. 
Ive been restricted from my account since XX/XX/year> and its now the XXXX. 
Ive called over and over and get the same thing said to me every time we cant give you any information and you have to wait for an XXXX to get back to you Ive talked to XXXX to see if I have can give him legal documentation and he denied. 
I than requested for my money to be put back where it came from and still heard nothing from them. I have about XXXX XXXX in that account And that was supposed to pay for my rent which Im now behind on.. I want my money returned and this bank account closed
Product: Credit card or prepaid card

In XXXXXXXX XXXX XXXX, I went into XXXX XXXX XXXX XXXX XXXX XXXX XXXX Iowa XXXX to purchase 1 tire and was sold 4 new tires. Agent said that they had a promotion going with GOODYEARska ( Citibank ). If you purchase 4 tires you get them interest free for 6 months. They ran my credit and qualified me for the Goodyear credit card. After about 4 months I went back to XXXX XXXX XXXX  To let them know that I have not received a bill statement for my card its been 4 months. Ive never recieved the credit card or a email, mailing or phone call from Goodyear or Citibank. In XX/XX/2022 great rivers tires put me in contact with goodyear but by then I had incurred late fees over the limit fees on the account. Each time I call Goodyear XXXX XXXXXXXX to attempt to make a payment they refuse to take my payment. They hang up on me, I have to keep calling back! the phone calls last for 2 hours while They pass me all around to varies departments. They claim that they can not verify who I am because I dont know my account number. I dont know my account number because they didnt mail me the card or a statement. I gave goodyear my phone number address etc and they continue to say that hey can not verify me therefore they can not accept any payments from me. This is the most ridiculous thing i have ever heard from a credit card company! In the meantime they are reporting my account as late destroying my credit. My complaint is that Goodyesr ( Citibank ) keeps reporting my account as late to the 3 major credit bureaus yet they are to blame because They are refusing to take my payment, this is negligence on thier part. They are reporting my account as late yet they refuse to take a payment. They claim that they can not verify who I am. They say that I must wait for a letter from Citibank. After they get me verified then I can start making payments. They claim that they can not verify my identity yet they seem to know how to use my information to report my account as late each month. This is insane, please I help, I eed intervention..
Product: Debt collection

This law firm in XXXX sent me letter " Notice of application for XXXX XXXXXXXX '' I have never had a contract with their client
Product: Credit reporting or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus to update this suspicious information. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against them. This was already included in my prior COMPLAINT, and I'm including it again. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Community Bank representing both Jareds and Victorias Secret is reporting on both XXXX and XXXX that I am currently late every month on an accounts that they wrote off in 2019 as cancelled debt. They issued me two 1099-C that I had to include on my taxes. I am not currently late for any payments because the accounts are closed and should be reporting a XXXX balance. According to the law once a company has issued a 1099c for the debt, The debt is reported as canceled and you no longer have to make payments on it. It is not being reported this way because they are reporting as if I have missed another payment each month and keep updating my balance. They are being included in my credit score calculation incorrectly as well. Both XXXX and XXXX are reporting these accounts incorrectly despite several dispute requests.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have many incorrect accounts on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Name : XXXX XXXX XXXX XXXX {$250.00} Medical XXXX {$380.00} Medical XXXX {$230.00} Medical XXXX {$550.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1600.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$1100.00} XXXX XXXX XXXX XXXX XXXX {$9200.00} XXXX XXXX XXXX XXXX {$4800.00}
Product: Checking or savings account

I received a debit card from the company. I NEVER signed up for an account with this company and I do NOT know them. I attempted to call and inquire who they were, and what the card was for ( as I have no account with them ). It is impossible to speak to a representative without activating the debit card ( which I do not want ). This entire operation reeks of a scam. 

THE ATTACHED FILE HAS THE ACCOUNT AND ROUTING NUMBERS BLOCKED FOR SECURITY PURPOSES
Product: Credit reporting, credit repair services, or other personal consumer reports

I recently reviewed my credit report and found unauthorized inquiries. 
I contacted the below creditors and they have NO proof I initiated such inquiries, nor written authorization and have failed to provide any permissible purpose. 

XXXX XXXX - Inquiry from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX, XXXX XXXX XXXX  - Inquiry - from XX/XX/XXXX XXXX XXXX - Inquiry from XXXX XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX- Inquiry from XX/XX/XXXX 2020
Product: Credit reporting or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and correct XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I called Transunion on XXXX XXXX XXXX and XXXX  trying to find out why my credit report can be seen by vendors. On XXXX  I was told my credit was frozen by the vendor. I called Transunion and was told my credit was not frozen. I called XXXX  to check again and my account was deactivated so I can start a new account and unfreeze my account. The vendor still cant see my credit report. I called again on XXXX  and I was told I would receive a call to fixe the issue. I called back and then was told I have to wait days to get the issue escalated. I checked my XXXX  and XXXX report and I can not see my report with them either. I am looking to use my credit but I can not due to this issue. XXXX says my lenders may have different information from them but could not tell me how to find out what information they have and how to fix the issue.
Product: Debt collection

The Collection Bureau of Walla Walla states that they made there one and only call to me XXXX XXXX on XX/XX/XXXX, that is false I have 3 separate incoming calls from them and each time they called they tried collections on debt that did not match my name or birthdate. Each time they called I asked for proof of debt to be mailed to me, I have yet to recieve any proof.
Product: Credit reporting or other personal consumer reports

I have been requesting my credit reports from both Equifax and XXXX for the past three months. I started calling both companies back on XX/XX/XXXX to obtain my credit reports. 

I originally requested my credit reports from XXXX and I was only about to access XXXX. Equifax and XXXX both denied me of my credit report and ERROR kept coming up at the time of my submission. 

I called Equifax and XXXX I sent in my 2 forms and identification and a statement letter of my identity and yet still I am unable to access my credit report. I have spoke with managers from both credit bureaus and I they say 72 hour update but its been month and I constantly call in to check and I havent gotten any results. 

I recently found out I can make this complaint and ask for help so I am doing so. 

This has cause financial distress on my life due to my credit being the core factor of my financial needs.
Product: Debt collection

I received written letter from organization calling itself Professional Credit Service attempting to collect amounts previously paid relating to medical services. 

Account numbers were phony and letter did not come from the medical provider they purported to represent.
Product: Money transfer, virtual currency, or money service

I am filling 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 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 or other personal consumer reports

I want this account deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. See the documents attached. XXXXXXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

Santander Consumer has been over 30 days non responsive to Notice of Dispute Demand for Validation and Proof of Claim. According to the FDCPA 15 USC-1692, 15 USC-1666 and the TILA 15 USC -1601. Notice sent to Santander Consumer XX/XX/year> delivered XX/XX/year> Certified mail return receipt. As of today XX/XX/year> no response to validation of alleged debt nor corrections to credit reporting agencies have been made. Certified mail # XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), XXXX, Equifax, and XXXX  are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts they post on a credit report. Otherwise, anyone paying for their reporting services could fax, mail or email in a fraudulent account. The following companies I have NEVER done business with nor do I have a signed contract with. They are unverified, hurting my credit report and MUST be removed according to the FCRA. <P/>XXXX XXXX, {$1300.00} XXXX XXXX , XXXX, {$950.00} XXXX XXXX, XXXX, {$580.00} XXXX XXXX XXXX, {$330.00} XXXX XXXX XXXX, {$310.00} XXXX XXXX XXXX XXXX I have NEVER done business with any of the above companies. The above collection companies can not provide an original signed contract with my signature and therefore MUST be deleted from my credit report. <P/>Please remove all non-account holding inquiries over 30 days old.
Product: Credit reporting, credit repair services, or other personal consumer reports

I never gave Equifax written permission to furnish a consumer report on my behalf. This is a violation of 15 USC 1681b ( a ) ( 2 ).
Product: Credit reporting, credit repair services, or other personal consumer reports

I found fraudulent accounts on my credit report so i filed a police report and submitted the police report to all the credit reporting agencies. Experian accused me a submitting a fraudulent police report and did not fix my report. and they removed a item but my score did not change and its been months. I feel they are not going by the law of the fair credit reporting act. Please help!
Product: Mortgage

Complaint ID XXXX On my first complaint I only mentioned about the escrow account problems Fay Servicing was charging me 3 times the actual real estate tax. 
1 Now I also find out that the Fay servicing did not pay for my homeowner Insource whereas they have enough money in my escrow account and they again showed falsely paid by them. 
Copy of my Insurance agent letter stating that fay did not pay for insurance ( annexure A ) is attached I paid the insurance bill copy attached ( annexure B ) Now there is no sense for Fay Serving to collect escrow from me I can pay my Insurance and real estate by myself.
Product: Debt collection

Both debts, ( XXXX XXXX hospital, XXXX XXXX XXXX ), occurred while I was unemployed and homeless. I was covered by XXXX. Also known as XXXX now. XXXX XXXX 's medical safety net program. In both cases I submitted my information at the hospitals.As required by XXXX. In both cases it was n't possible for me to return to XXXX. for treatment. In XXXX I passed out from XXXX, thus the ambulance. In XXXX XXXX I was a outpatient and treated for a XXXX. When in XXXX XXXX My car had broken down .So, at XXXX I did n't have any transportation to the closest XXXX hospital ( XXXX-XXXX miles away ). I was told that in situations like the one I was in. Reciprocal services are extended between the counties.
Product: Debt collection

On XX/XX/2022 I mailed at out a cease and desist letter to Midland Credit Manangement in regards to alleged debt. They received my letter on XX/XX/2022. According to my letter they were suppose to cease communication and cease reporting of this alleged debt from my consumer reports. USPS XXXX # XXXX XXXX XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

Consumer Name ; XXXX XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX XXXX XXXX XXXXXXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXX  on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX under the account number XXXX, a collection account opened at XXXX XXXX on XX/XX/XXXX under the account number XXXX, a collection account opened at XXXXXXXX XXXX  on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX  XXXX XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXX XXXX XXXX on XX/XX/XXXX under the account number XXXX, A personal loan account opened at XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX, A student loan account opened at XXXX XXXX XXXXXXXX XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.
Product: Debt collection

First Financial put a derogatory mark on my credit report for an amount I do not owe the difference is about {$900.00} and i am paying the original creditor directly. I don't remember ever being contacted by first financial, this is crazy to me.
Product: Mortgage

My original complaint # XXXX was sent to you on XXXX/XXXX/16. Thank you for your response today. A lot has happened since then. They have all monies from me owed to them by the date they wanted it. They had my money since XXXX/XXXX/2016. My 1st complaint to you was XXXX/XXXX/2016. They will not apply my money sent to them. It is now XXXX/XXXX/2016. Foreclosure has not been started yet. Since they received my money on time they can not by law do anything but accept my money because Illinois is a judicial state. There are recorded phone calls from customer reps and managers that told me they have the money and on time. The are giving me the run-a-round and not applying the certified checks they received. Every time I call I get a different customer rep with a diferent response. They even hang up on me. I checked with my county courthouse and no papers have been filed with them. I checked all local newspapers in my area and no legal notices have been posted yet. These are legal procedures that mortgage companies or collection agencies have to do if the property is located in the state of Illinois. There are over XXXX bad reviews on the internet for Ditech /Greentree using predatory lending and collection procedures. They need to be stopped. They need to be forced to apply my checks and make my account current.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Equifax. Despite sending them the complaint, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information 's about my inquiries are still on my reports. Therefore, Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that is still reporting on my account and need to be REMOVED COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX Date of inquiry XX/XX/2021 XXXX XXXX XXXX Date of inquiry XX/XX/2021
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 


This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 


I demand the late payment reported in 60 days to be removed. 


They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 


15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Never Sent the periodic statement along with the disclosures from section 1637 ( b ). 


I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 


This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 


Delete the late payments from my consumer reports XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Months ago, I have sent a letter to the three credit bureausasking them to update this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was previously mentioned in my previous COMPLAINT #, and I'm including it once more. 
XXXX XXXX XXXX XXXX : {$13000.00} XXXX  XXXX Balance : {$2000.00} XXXX  XXXX Balance : {$7700.00}