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

On XX/XX/XXXX I sent private trust recordsof XXXX XXXX XXXX XXXX to Navy Federal for review, inorder to facilitate a bank account re-titlement. On XX/XX/XXXX I received communication from Navy Federal that the trust was no approved for re-titlement, and the reason given was that the trust that was provided was not a XXXX XXXX XXXX. On XX/XX/XXXX, I requested more information as to the specific of what is required to be in a trust inorder for it to be considered a simple estate trust, my understanding is that the trust documents provide was exactly what should be required. Navy Federal refused to provide a more clear detailed understanding as to what their criteria includes for a trust to be considered a XXXX XXXX XXXX. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX was submitted to Navy Federal credit Union for review. On XX/XX/XXXX the XXXX XXXX XXXX XXXX XXXX XXXX was denied by Navy Federal. Navy Federal stated that the documents provided did not indicate a XXXX XXXX XXXX. I then requested Navy Federal to please provide details of what is in a trust to be considered a XXXX XXXX XXXX. Navy Federal refuses to provide more understanding as to what meets the requirement of a XXXX XXXX XXXX. I have continuously ask for clarity in this situation from Navy Federal but I have not been given it. Navy Federal is not for filling its responsibility as a fiduciary over this account in good faith. According to the Federal Reserve Act of 1913, Navy Federal Has a fiduciary responsibility to provide it customer with accurate information and it requirements for account facilitation. This is a violation of the oath that was taken by the bank to uphold all fiduciary responsibilities.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX  XXXX / XX/XX/XXXX, XXXX XXXX XXXX XXXX - XX/XX/XXXX, XXXXXXXX XXXX XXXX XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX - XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX - XX/XX/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
Product: Credit reporting, credit repair services, or other personal consumer reports

Credit bureaus, refuse to correct information after being provided proof XXXX XXXX reporting DOUBLE JEOPARDY XXXX XXXX/XXXX XXXX they both reporting on my XXXX XXXX report XXXX XXXX XXXX should be remove off of my credit FCRA Section 623 Accordion from XXXX XXXX Investigation Results File XXXX Date issued : XX/XX/2018 XXXX XXXX was DELETED FROM MY FILE XXXX XXXX is still report on my report as of today I sent you a copy of Investigation Results
Product: Debt collection

I called the XXXX XXXX and asked about this {$10.00} delinquency and they said that theres nothing on their end and they wouldve seen it because my account would be flagged and I wouldve gotten emails from the XXXX. so I called back the debt collection and they said that they wont see it because they paid it and it bounced back but I dont understand how a debt collection agency would pay for a VIP service? They also offered to waive the {$50.00} fee but they had me verify all of my information over the phone. My address my phone number the last XXXX digits of my Social Security number so Im afraid of whats going to happen with my information I did call back and ask if the phone number was legit and they said yes, but I said that their phone number is coming up as scam, and ever since then I havent received a phone call back, but that was only since yesterday. I also asked for an email of documentation of proof of this and they said they needed permission which I thought was weird. Im attaching the info. When I asked over the phone if I can pay online they said no but here it says I can pay on the website.
Product: Student loan

I have for the last XXXX months been working to secure a forbearance or deferment for my institutional loans and XXXX loan, due to no avail. I can not reach anyone at the XXXX servicer, ACS Education. When I do try to contact ACS, they defer me to one person at XXXX who seems to work once a month and never gets back to me. I have repeatedly explained that I am currently unemployed and can not make payment on my loans and it is important to me that they not go into default. I continue to be given the run-around by both XXXX and ACS as to this matter. I believe that what they want is for the loans to default, so they do n't have to deal with it anymore. I had an employment deferment for XXXX and simply asked them to renew this for this year. There seems to be no quick solution to this and I do n't understand why -- it 's such a simple matter. The loan servicer for my federal loans, emailed me the forms they needed and gave me the choice of emailing or mailing them back. Those loans have been securely in deferment. Also, XXXX has refused to put my loans into a temporary forbearance while they continue to insist that I work with the neanderthals at XXXX who never get back to me, or respond to me in writing. Again, I believe this is intentional so they can refer the loans to a collection agency, instead of working hard to help former students. This is predatory and unjust. Now I log onto the ACS website today and I do n't even see record of my loans.
Product: Credit reporting or other personal consumer reports

While reviewing my credit report, I discovered inaccuracies that require immediate attention. As outlined in Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ) of the Fair Credit Reporting Act, the three major credit bureaus are obligated to verify the accuracy of the listed accounts. If supporting documentation can not be provided within the legally mandated timeframe, the reporting of such unverified information is not permitted. I request a thorough investigation and necessary corrections for the following accounts appearing on my credit report. 
XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX Balance : {$9800.00} XXXX XXXX XXXX XXXX Balance : {$51000.00}
Product: Mortgage

Company called on XX/XX/20 to advise that account was showing 2 months behind on payments but nearly a full payment was in the " suspense '' account, if we were to send a full payment plus {$30.00} this month that would catch up the account. Advised company that one of our hours had been cut severely due to COVID 19 and we are working to make the payment but it may be a little late XXXX or XXXX this month. 

Company advised that was fine and " no worries, we will just notate the account with the payment arrangements. '' Company filed a 30-day late report with all 3 credit bureaus the following day XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion is reporting known false information about one of my accounts. I have disputed this for over a year and called them on the phone, but they still report inaccurate information about this account. The account states the last payment date was XX/XX/1980. I was XXXX years old then and could not have had a credit card. Still, they refuse to remove this from my report due to it being incorrect information.
Product: Credit reporting, credit repair services, or other personal consumer reports

i submitted a letter to all 3 major credit bureaus for deletion of accounts reported Pursuant to 15 USC 1681b-Permissible purposes of consumer reports In general Subject to subsection, any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it I, XXXX XXXX have never given XXXX, equifax, or XXXX  any written consent to reports anything on my consumer report. No consent is identity theft pursuant to 15 USC 1681q ( 3 ) and i demand the removal of the accounts listed in the letter sent out.
Product: Credit reporting, credit repair services, or other personal consumer reports

in accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX XXXX XXXX # XXXX, XXXX XXXX XXXX # 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
Product: Mortgage

I have found that there are financial discrepancies throughout the terms of this loan and have spoken to the lender and have gotten nowhere with them and my home went into foreclosure over mistakes of my lender and they keep running in circles and not fixing the problem. I can't afford a lawyer so I filed a chapter XXXX bankruptcy to stop the sale, hoping this could at least buy me time to solutionize this problem with the lender, m but instead they did not validate my filing and sold my home, I'm no lawyer but I believe that it is federal law when you file a chapter XXXX bankruptcy you are entitled to an automatic stay from 30 - 90 days which I did not get something needs to be done about this now or I will end up on the street and lose my home of 49 years cause of the banks mistake and because I can't afford a lawyer please help me, m have tried everything and the lender Champion Mortgages will not help this is a scam and a fraud on their part. I will up loan all the evidence and paperwork I have below. I am an elderly woman widowed and urgently in need of your assistance, this is my last hope. 
Thank you,
Product: Debt collection

Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX.
Product: Credit reporting or other personal consumer reports

Subject : Complaint Regarding Violation of Statute of Limitations, Fair Credit Billing Act, Uniform Commercial Code, and Electronic Funds Transfer Act Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX XXXX ( Account Number XXXX ), XXXX XXXXXXXX XXXX ( Account Number XXXX ), and XXXX XXXX XXXX ( Account Number XXXX ). I believe these companies are in violation of several laws including the statute of limitations as outlined in Indiana Code 34-11-2-7, the Fair Credit Billing Act ( 15 U.S. Code 1666b ), the Uniform Commercial Code ( UCC 9-210, 4 ( 8 USC 8 ) , and the Electronic Funds Transfer Act. Additionally, I suspect potential securities fraud in their handling of the certificate of indebtedness.

The auto loan debt they are attempting to collect is more than four years old, which I understand to be in violation of the statute of limitations as per Indiana Code 34-11-2-7. 

Furthermore, these companies have publicly reported late payments and other transactions on my credit report. To my understanding, this is not permissible under the Fair Credit Billing Act, specifically 15 U.S. Code 1666b, and the Uniform Commercial Code ( UCC 9-210, 12 CFR 1026.13 ).

My account has not been credited for the certificate of indebtedness, which I believe is a violation of the Electronic Funds Transfer Act. This failure extends to the lack of credit for interest on my treasury coupon as well.

HJR-192 and UCC 3-501 both address the issue of lawful money and the discharge of debt. Under HJR-192, the United States removed the gold standard, which had been the form of money constitutionally recognized. This action seems to have created a system where it's impossible to 'pay ' a debt, but one can only 'discharge ' a debt. I am being asked to pay debts with other debts, which appears to be an unlawful and unconstitutional practice. 

Furthermore, I suspect security fraud in this matter. The certificate of indebtedness is a form of security, and the company 's refusal to credit my account for it may constitute fraudulent activity.

I urge the CFPB to investigate these allegations thoroughly. These violations have negatively impacted my credit score and overall financial health, and I fear the potential consequences if these matters are not addressed.

Thank you for your attention to this matter, and I eagerly await a resolution that upholds the protection and rights of consumers like myself. 

Sincerely, XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Im submitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove/block any items listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX, FL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX : {$5600.00} ; XXXX XXXX Balance : {$3100.00} ; XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$3800.00} ; XXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; DPT EDXXXX XXXX Balance : {$0.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$370.00} ; XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$0.00} ; XXXX XXXX XX/XX/XXXX.
Product: Checking or savings account

On Wednesday XX/XX/XXXX I woke up to learn via email message my account balance was low. Apparently during a 1 week period roughly {$8800.00} was authorized through my debit card with an account I use periodically. I immediately called Bank of America to shut down the card and submit a claim. The representative was frustrated over the amount of individual charges clearly from a foreign company and proceeded to submit the claim. She did not listen to my request and rushed me off the phone. 6 days go by and I contact Bank of America in regards to reciving provisional credit, the status of the investigation and to also report the additional charges she failed to include. I spoke to a nice woman from Tennessee that placed me on 2 brief holds. On the final hold, 1 hour and 15 minutes, she connected back to the line, I heard the brief background noise ( small dog ) and disconnected my call. I spent 1 hour and 45 minutes today XX/XX/XXXX to get no update. When I logged into my online banking portal this evening Ive learned my claim was denied and no research with merchant was performed. My assumption was due to the amount of charges and the amount, it was easier for Bank of America to just deny rather than investigate the loss of my money.
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern, I have tried multiple times to fix the inaccurate personal information that's on my credit report and this bureau refuses to remove the inaccurate. I have attached proof of address and name with my drivers license and home of record. This has not changed. I will attach dispute paper with accounts that are reporting inaccurately.
Product: Vehicle loan or lease

Well Fargo agent on the phone when I called to voluntary repossessed my car they said that the car will be towed and will send me a letter to pay back payments if I want the car back .I did not received communication from them till the day when I got a letter stating that the car was sold at auction for {$3000.00}, the car was worth on XXXX XXXX XXXX and I was owing them XXXX They lied to me telling me that I will get the car back if I want to just paying back payments for 4-5 months XXXX month After looking at the market and saw that the car was sold for {$3000.00} I knew it that Wells Fargo lied to me I do have another vehicle from them worth {$15.00} XXXX where I pay for my last 2 years Wells Fargo deceive me telling me that repossessed vehicle can be bought back paying the Due Amount of {$2000.00} I did not receive any letter from them Wells Fargo own me the GAP insurance where I paid it because I lost my job in that period of repossession Please investigate and let me know Thank you
Product: Credit reporting

Issue Unable to get my credit report or credit score : Problem getting my report or credit score Describe what happened so we can understand the issue ... 
I signed up to Credit Check Total about 2 years ago and have been paying monthly due for the services of getting my credit reports and scores, last time i retrieved my report was on XXXX XXXX 2016 and when i tried getting my report today, i was unable to log in and it asked me to call which i did, and the rep asked me some security questions and then informed me that the date of birth they have on record does not match with what i told her now, and she said not to worry and we can get this corrected on her end and she put me through multiple questions which i needed to pick XXXX or say none of the above, when this was done she said let me put you on a brief hold and came back after a minute stating that unfortunately the information i gave them does not match and they best they can do would be for me to wait 31 days and then they can update the system, this is not the first time i hear this XXXX from this company, I had same issue with my wife 's account and my brother had this issue as well, the red flag here is that if i was able to obtain my credit reports time and time over for about a year+ after successfully enrolling in their program by providing all my info, how come that now all of a sudden the system has my wrong date of birth, was their system hacked? is it really that easy to get into their database and mess with people 's identity? or was it that easy to sign up to begin and they dont verify date of birth but release credit reports? 
This needs an in-depth investigation, this is not why we consumers pay hefty monthly fees to deal with companies who are not competent Thank you
Product: Credit reporting or other personal consumer reports

BSI financial has decided to retaliate against me for the complaints I have submitted. In XXXX I submitted my payment, apparently their was an increase in my payment due to property tax increase so they placed my payment on hold and did not post to my account and caused it to look like a 30 day late for XXXX. In XXXX the following month my house was sold and loan was paid off in XXXX, they continued to report a 30 day late for XXXX. I have attempted to resolve with them and the reps hang up on me or say no supervisor is available. I also was told a dispute was submitted but its all lies. I need help please. It seems as though they have decided to retaliate against me. I was previously in forbearance years ago due to XXXX. My dads wife died of XXXX and then he was sick and I had to care for him for over a year until he was better. I had no choice I had to quit my job to take care of him. I dont understand why this company has treated me like this. This is so unfair. They got their money I am done I dont owe them anything. Look at all my previous complaints through CFPB and other people saying the same things. I cant find a home to rent because they ruin my score recently. Please help us. BSI told me I had to sell my house or I was going to lose my house. I did as they told me. Now I dont have a house or apartment because my score has been damaged by this.
Product: Checking or savings account

According to Ssi XXXX a direct deposit of {$620.00} was posted XXXX XXXX  to my chime account ( XXXX  )... However I have yet to receive my funds..I provided chime with the trackung number and date which I received from SSi XXXX of the Posted direct deposit... Chime is stating they have no records of my funds..
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom It May Concern, I am writing to lodge a formal complaint regarding the persistently inaccurate information on my credit reports across all three major credit bureaus. Despite my previous attempts to rectify these discrepancies, my credit history continues to be misrepresented. I urge the Consumer Financial Protection Bureau ( CFPB ) to intervene and ensure that the necessary actions are taken to resolve this matter promptly. 

As an identity fraud victim, I have diligently followed the necessary procedures to report the fraudulent activities to the Federal Trade Commission ( FTC ) and have submitted the required FTC Fraud Victim Affidavit. Despite these efforts, the credit bureaus, including TransUnion, have failed to correct the inaccuracies that continue to plague my credit reports. 

It is disheartening to see the impact of these errors on my financial reputation and creditworthiness. Therefore, I implore the CFPB to investigate this matter thoroughly and hold the credit bureaus accountable for their failure to rectify the situation. I have included the supporting documentation, including copies of the FTC Fraud Victim Affidavit and any relevant police reports, to substantiate my claims and facilitate the resolution process. 

The credit reporting system plays a crucial role in our financial lives, and accurate reporting is vital for maintaining transparency and fairness. By addressing the ongoing inaccuracies and ensuring that the credit bureaus fulfill their responsibilities, the CFPB can help restore confidence in the integrity of credit reporting. 

I kindly request that the CFPB communicates with the credit bureaus, including TransUnion, to rectify the errors promptly. I also ask to be kept informed of the progress made in resolving this matter. Your intervention is greatly appreciated, as it will enable me to regain control over my credit history and restore my financial well-being. 

Thank you for your attention to this urgent matter. I trust that the CFPB will take the necessary steps to address these concerns and advocate for a fair and accurate credit reporting system.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've found that my credit report has erroneous information multiple times, including now. According to Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ), the three credit bureausmust check these items ( A ). It is unacceptable to list these items as information without verifying them within the legally mandated time frame. I require an investigation, a correction, or an immediate update of the following erroneous information on my credit report : XXXXXXXX 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