23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

Hello, I currently have a mortgage with Navy Federal for $ XXXX. My mortgage is on a home built/purchased in XXXX. For the last two years, I have received a check back the following year, based on the overage paid into my escrow account. I have made several attempts/request to have Navy Federal complete an escrow analysis, because they are clearly collecting too much money from me each month. I currently pay {$470.00} per month in escrow, as a result of the {$470.00} escrow payment, my monthly mortgage payment is over {$1500.00}. Last year, I had to make my own home insurance payment ( the insurance company sent me a bill since Navy Federal did not make the payment ). My XXXX property taxes were yet again thousands of dollars less than what was charged/collected from me over the 12 month period - so I am now being sent a check for over {$2000.00}. As I've explained to the multiple CSRs I've spoken to and in the numerous emails I have sent in to the company - the unnecessary collection of funds is creating a hardship for me, as the Veteran consumer. I understand they aren't concern, because they are collecting the funds. However, I work hard to ensure I pay my bills and pay them on-time. It is extremely unfair that this corporation continues to charge me unnecessarily. The corporation is forcing me to have my assets tied up in an account which I prefer not to have. I've spoke to the property appraiser to understand why they claim to need to collect one amount for my taxes and my taxes are no where near that amount and the property appraiser had no explanation as to why Navy Federal would be collecting so much per month. I have tried to no avail to get Navy Federal to rectify the issue and each time I've been given no help. It seems as though no one is concerned and my issue is not their problem. I am in need of help and I am trying to be pro-active about the situation. I don't want to have to fall behind on my mortgage, just for someone to show concern and then look into fixing the problem. I know {$470.00} may not be much to some, but it would make a big difference for me.
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 this reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXXXXXX Balance : {$4700.00} XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXXXXXX Balance : {$480.00} XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX Balance : {$2400.00} XXXX XXXX XXXX Balance : {$9400.00} XXXX XXXX XXXX Balance : {$22000.00} XXXX XXXX XXXX XXXX Balance : {$2400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

TO WHOM IT MAY CONCERN, A FEW WEEKS AGO I CAME TO CFPB THERE WAS AN INQUIRY I NOTICED WAS NOT MINE FOR A NEW TRADELINE MADE ON XX/XX/XXXX. I DID NOT AUTHORIZE OR APPROVE OF ANY NEW TRADELINE. THEY HAVE BEEN CALLING MEEVERY MORNING XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX and XX/XX/XXXX ABOUT FRAUD ON ACCOUNT. FROM SPEAKING THEM I THINK THEY ARE CONFUSED ABOUT SITUATION WITH PASSED ACCOUNTS THAT I HAVE HAD WITH THEM OR CURRENTLY HAVE. I LIKE CITI THEY ARE GOOD PEOPLE. I JUST FEEL THERE NOT UNDERSTANDING. THE ONLY THING I AM DISPUTING IS A HARD INQUIRY PULL FOR A NEW TRADELINE MADE ON XX/XX/XXXX. I DID " NOT '' APPLY FOR ANY NEW CITI CREDIT CARD, BANKING CARD, CHECKING ACCOUNT, SAVINGS ACCOUNT OR ANY OTHER TYPE OF ACCOUNTS CITI MIGHT OFFER ON THAT DATE WHICH WOULD RESULT IN ANY HARD PULL. ALL I AM ASKING IS FOR THIS HARD PULL ON XX/XX/XXXX TO BE REMOVED FROM MY FILE. AS OF XX/XX/XXXX WHEN I SPOKE TO THE REP THEY DISCUSSED PAST CARDS AND OTHER CARDS I HAVE WITH THEM BUT HAD AGREED TO REMOVE THE HARD PULL ON XX/XX/XXXX. AS OF TODAY AFTER SPEAKING TO THERE FRAUD DEPARTMENT THEY TOLD ME TO CALL XXXX WHICH TOLD ME TO CONTACT CFPC. I HAD CAME TO CFPC WHEN ALL THIS STARTED ON MY CREDIT REPORT WHEN I LOOKED AT MY XXXX   XXXX. SO I FEEL THIS WENT AROUND IN A FULL CIRCLE. ALL I AM ASKING FOR IS THIS HARD INQUIRY WHICH NOBODY HAS ANY IDEA WHAT IT IS AND CAN NOT BE VERIFIED. I WOULD JUST LIKE OFF MY HARD HARD INQUIRES LIST.I WILL ATTACH A PHOTO OF WHAT THE CREDIT COMPANIES ARE SAYING. ANY HELP WITH THIS GREATLY APPRECIATED
Product: Credit reporting or other personal consumer reports

To my utter shock, I discovered inaccurate accounts on my credit report this morning. I usually check my report regularly, but this time discrepancies appeared out of the blue. I even tried refreshing my browser, hoping it was just a glitch, but the inaccurate accounts remained. Due to this issue, I am requesting a thorough review of the documents Ive submitted to ensure I never have to worry about this again.
Product: Mortgage

11 months ago I submitted a loan application with Quicken Mortgage Loan Company to refinance a home loan. I provided all of the information the representative requested, an appraisal, pest inspection, XXXX for me and my wife an array of different documents and information all over a two month period to be told that the loan was not approved. the expense incloded {$400.00} appraisal, {$25.00} pest inspection and a XXXX point drop in my credic score because the company ran my credit report several times under different company names. Each week a representative from the company would call making additional and repetitive requests for the same information implaying that the loan was in the approval stage to string us along to the point that we could not go through another company to seek a lone because Quicken ; s multiple inquiries precluded us by dragging down our credit score. Unfortunately, Quicken failed in their promise to complete the loan. 
Two weeks ago my wife made an inquirery with Quicken again to secure a VA mortage loan. Again we provided all the information. The representative stated that the loan was in the approval phase. Today the representative stated that he needed me to file my XX/XX/XXXX taxes which are not due until XX/XX/XXXX. I informed the representive that I may have to request for a tax extension because I have business deductions. He stated that although he has my XXXX for XX/XX/XXXX, Quicken needs my XX/XX/XXXX taxes to be filed before the loan can be approved. I think that I have been mis led by deceptive loan practices and I feel betraied by the mis representation by Quicken and their loan agents and practices. Quicken could have informed be prior to me signing th papers for my credit information that I could not have income tax which showed adjusted income on my tax information. Quicken representative should have informed me that the amount of the loan request required me to have a specific income to qualify for the loan. If I could have been informed on the front end, I would have not have proceeded with the credit request, Now although I don ; t have any negative results on my credit score because of all the inquiries by quicken my score droped. Therefore, if I wanted to obtain a loan through another lender my score after their inquiries prevents me from applying to another company for two years. The inquiries that Quicken will remain on my credit file for a two year peroid. Quicken is not a prudent company and their loan procedures are deceptive and misleading.
Product: Credit reporting or other personal consumer reports

I have paid in Full both my Capitol One credit cards and they are showing as charge of to this day when they were Paid in Full XX/XX/2024 which is having HUGE NEGATIVE Impact on my credit score and have disputed it probably 4 times now on each account and nothing fixed
Product: Credit reporting, credit repair services, or other personal consumer reports

AWA COLLECTIONS, ACCOUNT NO. XXXX A COLLECTOR FOR XXXX XXXX XXXX XXXX IS DESPITE MORE THAN 10 INVESTIGATIONS THROUGH XXXX  HAS EITHER VERIFIED OR CERTIFIED THAT THE INFORMATION IS CORRECT. 
THE ACCOUNT HAS BEEN RE-AGED, A SERIOUS INFRACTION OF THE FCRA FOR EXPERIAN AS WELL AS THE CREDITOR.THE DOFD IS DURING THE MONTH OF XX/XX/XXXX AND AS SUCH SHOULD HAVE BEEN REMOVED FROM THE CREDIT REPORT BY XXXX. 
XXXX HAS NOT TAKEN THE RE-AGEING CLAIM SERIOUSLY SINCE THEIR CREDITOR CUSTOMER AWA COULD NOT POSSIBLY PROVIDE FACTUAL UNFORGED INFORMATION TO SUPPORT THE DOFD CLAIMED OF XX/XX/XXXX. 
BOTH THE BUREAU AND THE CREDITOR TODAY STAND TOGETHER IN SERIOUS, FLAGRANT DISREGARD AND VIOLATION OF THE FCRA. 
I HAVE PROVIDED THE ARREST RECORD, FILING DATE OF THE CRIME FOR WHICH BAIL WAS PROVIDED BY XXXX XXXX XXXX, THE ORIGINAL CREDITOR, OVER 7 YEARS AGO
Product: Credit reporting, credit repair services, or other personal consumer reports

According to my research about FCRA XXXX, you are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported is creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXXXXXX, SC XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} 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: Checking or savings account

Citi Bank promoted XXXX XXXX XXXX miles when I open Citi Priority account. 
Received bank Debit card XX/XX/2019. My bank account is XXXX I sent {$750.00} debit card within 60 days and paid 2 bills every 2 months fro reward requirements.

So, I matched Citi requirements, I have chatted with online XX/XX/2019 and Representative XXXX said that my spending are matched and with till 90days, around end of XX/XX/2019. 
But I didn't receive AA XXXX miles yet. 

Regards,
Product: Credit reporting or other personal consumer reports

I am filing a formal complaint against NATIONAL CREDIT SYSTEMS for egregious violations of the Fair Credit Reporting Act ( FCRA ), Code of Federal Regulations ( CFR ), and the Privacy Act of 1974. These violations pertain to the unauthorized disclosure of my nonpublic personal information to non-affiliated third parties without proper notice or consent, a clear breach of privacy regulations outlined in the aforementioned laws. Congressional Findings and Compliance Obligations : 15 U.S. Code 1681 emphasizes the critical importance of fair and accurate credit reporting for the efficiency of the banking system. It mandates fair evaluation of consumer information by reporting agencies and stresses the significance of consumer privacy protection. Consumer reporting agencies are legally obligated under 15 U.S. Code 1681e to implement procedures ensuring the highest accuracy of consumer reports. NATIONAL CREDIT SYSTEMS disclosure of inaccurate information violates these obligations and breaches statutory provisions. Details of Violations : 1. **Disclosure of Nonpublic Personal Information : ** NATIONAL CREDIT SYSTEMS without obtaining requisite consent or providing proper notice, disclosed my personal information to non-affiliated third parties namely XXXX . This action directly violates the Privacy Act of 1974 ( 5 U.S. Code 552a ) and the FCRA ( 15 U.S. Code 6802 ). 2. **Failure to Provide Opt-Out Opportunity : ** I was not offered the opportunity to opt out of the disclosure of my nonpublic personal information, as mandated by the FCRA 15 U.S. Code 6802 ( b ), exacerbating the violation. 3. **Continued Right to Opt Out : ** As per 16 CFR 313.7 ( f ), I reserve the right to opt out at any time, a privilege denied to me by NATIONAL CREDIT SYSTEMS actions. 4. **Exclusion of Transaction and Experience Information : ** NATIONAL CREDIT SYSTEMS included transaction history within reported information, violating the exclusionary provision of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The unauthorized disclosure of my personal information by NATIONAL CREDIT SYSTEMS has caused significant financial and emotional distress, disrupting my life.

Enclosed are supporting documents detailing the violations and their impact on my financial and emotional well-being. I appreciate your attention to this matter and await your prompt action.
Product: Checking or savings account

Applied and opened a business checking account on XX/XX/XXXX with a welcome offer that was in my " Rewards & Deals '' login page. Applied via that link. I met all requirements for the bonus. 
XX/XX/XXXX : Chatted via phone app, rep said no offer attached, and when I gave them the offer code ( which was pre-filled in the application link ), they said it had expired in XX/XX/XXXX. Told them that made no sense because all I did was applied via the link on my account. It was clear to me it was an XXXX issue. She submitted inquiry to customer incentive team. 
XX/XX/XXXX : Phone call to follow up. Said the previous inquiry was denied because the offer code provided had expired. This rep said she found the " correct '' offer and submitted new inquiry with offer details ( no offer code ) XX/XX/XXXX : Phone with rep to follow up. Said the inquiry submitted on XX/XX/XXXX was denied with no reason provided. So she submitted another escalation. Told me to call again in 7-10 XXXX  days.
Product: Debt collection

XXXX ( XXXX  ) XXXX Spring Oaks Capital Purchased The Debt Balance XXXX Credit Limit XXXX Opened XX/XX/XXXX Closed XX/XX/XXXX Remarks Charged off as bad debt Dispute Resolved Customer Disagrees They have sold the debt to ( Springs Oaks Capital ) I have contacted the company and disputed with them haven't recieved a response ( A ) I Have deputed with the credit all 3 credit bureaus, also XXXX XXXX XXXX and I haven't received the proof of how the account was verified ( B ) I have no acknowledgement of the account it's becoming more difficult with the misleading information. I have the right to a accurate credit report and it is illegal to have misleading information on a report without providing the proof they are violating the rights of the fair credit reporting Act. 


the Credit limit on the card for XXXX  is ( XXXX ) the Credit limit on the card showing on the report for XXXX  is ( XXXX ) The credit limit on on the credit card showing on the XXXX  report is ( XXXX ) This Is inaccurate information based on this it needs to be deleted off the credit report The High Balance On The Credit Card Is Inaccurate. The High Balance On The Card For XXXX  Credit report is ( XXXX ) the high balance on the XXXX credit report is ( XXXX ) the high balance on the XXXX  Credit report is ( XXXX ) this is inaccurate information based on this it needs to be deleted from my credit report last reporting dates are also inaccurate XXXX  States ( XX/XX/XXXX ) XXXX states ( XX/XX/XXXX ) XXXX  states ( XX/XX/XXXX ) this is inaccurate information reporting it needs to be deleted from my credit report because if the account is closed how can they report anything this is in violation of the FCRA Dates of last activity states for XXXX ( XX/XX/XXXX ) for XXXX  ( XX/XX/XXXX ) for XXXX  ( XX/XX/XXXX ) this is inaccurate information the account needs to be deleted from my credit report Date Of last Payment XXXX  Shows ( XX/XX/XXXX ) XXXX  Shows ( XX/XX/XXXX ) XXXX  Shows ( XX/XX/XXXX ) The Dates are inaccurate and does not match it needs to be deleted off my credit report and XXXX  is showing payments was made to the account XX/XX/XXXX ) - ( XX/XX/XXXX ) and no payments was ever made this is false and inaccurate information please remove this negative account from my credit report it is causing me great harm and stress they are breaking so many laws and also re  aging the account which is a violation
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The accounts I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following inquiries : 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
Product: Credit reporting or other personal consumer reports

I asked all companies to update to paid as agreed and remove negative payment history. need negative payments to be deleted or account deletion. According to the Fair Credit Reporting Act 15 USC 1681 section 602 states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services for this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have never had an account with Capio XXXX. They sent XXXX statements identifying themself as a debt collector for XXXX XXXX ; XXXX for {$990.00} and XXXX for {$640.00}. I have never had an account with XXXX XXXX. On XX/XX/XXXX I authorized my father to contact Capio XXXX. He contacted them on XX/XX/XXXX and spoke with XXXX # XXXX. We were promised a return phone call with information by XXXX est on Monday XX/XX/XXXX. My father did not receive a return phone call and further attempts to contact XXXX were futile. Derogatory reports appeared on XX/XX/XXXX and XX/XX/XXXX from Capio XXXX.
Product: Debt collection

To whom it concerns, I have requested an investigation by the three major credit bureaus for the following debt collectors : I C System. This company opened an account using my personal information with no authorization from me. I C System has reported to The Bureau that the accounts of the alleged debt are open and active but listed under derogatory marks. How can an account show open under a collection status? I requested from all three bureaus ( XXXX, XXXX, and XXXX ) an investigation for this company, and the process has not started. XXXX sent a response letter providing me with the contact information for the debt collection company in which I have already sent a validation letter. I C System has reported an incorrect illegal account to The Credit Bureau without consent from me. The Bureau reported that the account was valid. I spoke with this company and explained that the devices were returned to the alleged Original Creditor. The Original Creditor was listed on my credit as XXXX XXXX which is incorrect. I am a consumer which makes me the Original Creditor. I also explained that the final bill was paid, and the account was closed. I requested that I C System provide me with a contractual agreement between them and I containing my signature. The document requested should show that I agreed to open an account using my name, address, phone number, social security number, etc within their establishment. I do not owe this company and the alleged debt has already been paid. This tactic is listed in the U.S. and State law as identity theft and has been violated. They assigned a company identifier number with my personal information attached for an alleged debt that I do not owe. According to 15 USC 1692 d : A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. I have multiple denials from major companies due to this oppression.
Product: Credit reporting or other personal consumer reports

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 the complaint. This fraudulent, inaccurate, and false information consists of a mobile account open on XX/XX/XXXX to XXXX, a XXXX XXXX account open on XX/XX/XXXX and an unknown line of credit for XXXX XXXX last reported on XX/XX/XXXX These accounts and other personal information that was used resulted in several fraudulent hard inquiries on my credit profile. I've attached a list of the fraudulent inquiries in questioned " I have went through all of my credit reports to identify the unknown activity. The aforementioned accounts, collections, and hard inquiries appearing were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the results from the identity theft and fraud. I have attached a copy of the FTC Identity Theft Criminal Complaint XXXX 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.