23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I have a home equity loan with the Pentagon Federal Credit Union that is delinquent but I was asked by a representative of their collections department to add {$70.00} to my monthly payment every month starting in XXXX which I have done. They continuously call me even on the day I make my payment to ask me when I am going to make the next payment because it is still 30 days behind. I was even told last month that the arrangement was no longer acceptable and I would have to enter into a new arrangement which I refused to do. I was told at one point by a supervisor that the person that made the arrangement was not authorized to make that arrangement with me. I have been told on numerous occasions that my home could be foreclosed on. They did modify the loan a couple of years ago because I had XXXX. And I know the expectation is that you will make your payments on time after that but on XXXX XXXX, 2014 my youngest son passed away and it took everything we could scrape together to get him buried. I told them that and offered to send them a copy of the death certificate but they continue to hound me relentlessly. I am ruffly between {$400.00} and {$500.00} dollars behind which will take approximately 6 more payments to catch up but I just ca n't take the numerous calls and the verbal beatings I get every month, all month, any more. I know I owe this money and I 'm doing all I can to pay this debt but they have harassed me to the point and with the loss of my son, XXXX I am about to crumble under this constant abuse.
Product: Checking or savings account

XXXXXXXX XXXX  has failed. I have documented them committing fraud at XXXX, and at XXXX XXXX. using both XXXX XXXX months apart they made unauthorized transactions to my checking account. when I reported the fraud, they investigated it as identity theft both times despite my specific instructions not to. They then determined that identity theft did not occur. XXXX XXXX has failed, i documented them committing fraud at XXXX, as well as at XXXX XXXX. XXXX has failed. I have documented them committing fraud at XXXX  and XXXX XXXX. Chase has failed. They have purchased fraud from XXXX XXXX XXXX which failed due to fraudulent derivative products. I am out of pocket BILLIONS of dollars, CASH. XXXX XXXX! they are all committing bankruptcy fraud. XXXX XXXX  XXXX are the criminals committing the fraud, they also have corrupt XXXX XXXX XXXX 100 % paid off. The XXXX ETFs are fraudulent. They " bought '' XXXX XXXX from XXXX XXXX  estates that were impacted by the same derivatives fraud that caused XXXX, and that is still ongoing. 

Essentially, they have purchased the praetorian guards with counterfeit money. By definition, rule of law is now over. This is a very dangerous situation. There are illegitimate people in chairs that wield the power of the state. 

STOP CONTACTING ME! I AM NOT MAKING ANY DEBT PAYMENTS PERIOD! LIQUIDATE CHASE NOW! ARREST THESE XXXX BANKERS AND GOVERNMENT EMPLOYEES WHO ARE ENSLAVING AMERICAN CITIZENS. THIS CAN NOT, AND WILL NOT STAND! YOU WILL BE HELD ACCOUNTABLE. XXXX XXXX XXXX!
Product: Mortgage

On XX/XX/year> I applied for a XXXX yr VA fixed rate mortgage from Navy Federal Credit Union. I paid for the credit check, supplied all needed documents, and received a pre-qualification. I consistently stayed in contact with the loan originator. Im a XXXX veteran and I currently receive XXXX from The Social Security Administration. I received a phone call on XX/XX/year> from a loan originator assistant asking why my Social Security award letter had my payees name on it ( which is my XXXX ) and my name on it as well. I simply stated that the SSA requires me to have a payee and that its my income. 

Received a phone call on XXXX XX/XX/year> from loan originator at Navy Federal Credit Union stating that my mortgage application had been sent to Underwriting and that it was denied because the underwriter stated that they cant count my XXXX  as my income because I have a payee. They gave me no other reason for my denial and I believe this is discrimination under CFPB guidelines.
Product: Credit reporting, credit repair services, or other personal consumer reports

I spoke to XXXX with XXXX XXXX XXXX  and she assured me that they were reporting accurate information and it is Transunion that is not.
Product: Debt collection

In Accordance with the Fair Credit Reporting Act LVNV FUNDING LLC XXXXXXXX violated my rights I have not supplied proof under the estoppel by silence, Engelhardt v. gravens ( mo ) 281 SW 715, 719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists.
Product: Credit reporting or other personal consumer reports

It appears that my credit with you has been compromised. I was going through my records & noticed many files which do not belong to me XXXX Miscellaneous and public record XX/XX/scrub>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Credit reporting, credit repair services, or other personal consumer reports

I have  XXXX  public record accounts in the amounts of {$15.00}, xxxx and {$13.00}, xxxx that have been reporting on my yearly credit report by Experian since  XXXX   of 2001. A ccording to FCRA law : " This information is generally remov ed seven  years from the initial missed payment that led to the delinquency. Missed payments and most public record item s may remain on the credit report for up to seven y ears, except Chapters  XXXX ,  XXXX  and  XXXX  bankruptcies, wh hich may remain for up to 10 years. Unpaid tax liens may remain for up to 10 years from the filing date. Paid tax liens may remain for up to seven years from the filing date. Transferred accounts that have not been past du e remain up to 10 years after the date the account was transferred. '' I have tried several times in the past gew years to have this information deleted from my reports, as since it has been reporting since  XXXX     2001  which is now 16 years and 6 years past the legally permissable reporting criteria. However Experian continues to report this information which is a violation of my FCRA rights a nd State law. The account is also being illegally r e-aged to reflect the current month as the reporting date every time I file a complaint.
Product: Credit reporting or other personal consumer reports

the inaccurate information being reported on my credit file related to two closed accounts with XXXX XXXX XXXX XXXX ( Account Number : XXXX ). Under 15 USC 1681m, 16 CFR 313.10, and 16 CFR 313.1, I have the right to dispute and correct any inaccuracies on my credit report, as well as prevent unauthorized sharing of my nonpublic personal information with nonaffiliated third parties.

According to 16 CFR 313.10, nonaffiliated third parties are defined as any person who is not an affiliate or someone jointly employed by you and a company that is not your affiliate. These nonaffiliated third parties include companies that may be affiliates due to your ownership in conducting merchant or investment banking activities as described in Section 4 ( k ) ( 4 ) ( H ) and ( I ) of the Bank Holding Company Act ( 12 U.S.C. 1843 ( k ) ( 4 ) ( H ) and ( I ) ). 
Specifically, XXXX XXXX XXXX XXXX is still reporting incorrect information across all three major credit reporting agencies, including Experian. The two account opening dates and balances differ between Experian, XXXX, and other agencies, as detailed below : Account Opening Date : Experian states I opened these two accounts on XX/XX/year>, while XXXX reports a different date. 
Balances : Experian and XXXX are reporting conflicting balances for the same two accounts, which is impacting my credit utilization.

Additionally, Experian is reporting these two accounts as charged off, whereas XXXX and XXXX have reported them as closed. According to 15 USC 1666 ( a ) ( b ), reporting adverse credit ratings for a closed or charged-off account is incorrect, especially regarding utilization.

Furthermore, 15 USC 6801 emphasizes that financial institutions have an affirmative and continuing obligation to respect the privacy of their customers and protect the confidentiality of their nonpublic personal information. Nonpublic personal information includes personally identifiable financial information and any grouping of consumers derived from such information that is not publicly available, as specified in 16 CFR 313.10 ( n ) ( 1 ). In accordance with 15 USC 6802, financial institutions are prohibited from disclosing nonpublic personal information to a nonaffiliated third party unless I have been provided with a clear and conspicuous opt-out notice, which I did not receive.

As outlined in 15 USC 6802 ( c ), a nonaffiliated third party that receives nonpublic personal information is restricted from further disclosing that information unless it complies with the same conditions imposed on the financial institution. Additionally, under 15 USC 6802 ( d ), financial institutions are prohibited from sharing my account information for marketing purposes without my explicit consent.
Product: Credit card or prepaid card

I did not even have knowledge of this account until i started doing some research. But with hours of research it appears the account was overpaid. Also it has negatively affected my credit score very drastically. And it also appears that they accepted a payment after they already closed the account. Isnt that illegal? Please see the attached images i have sent for proof. Thanks
Product: Debt collection

Midland credit management MCM XXXX called leaving messages. I am on the do not call list. They are harassing me. Please tell them to cease and desist all contact and calls with my immediately. Contact by mail
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I wrote to XXXX XXXX XXXX XXXX XXXX and LVNV Funding LLC requesting validation and an investigation into a account that does not belong to me and that has not been verified and is being reported intentionally and unlawfully without being in compliance with the FDCPA or FCRA. I requested validation that this account is being reported accurately and copies of proof. I have not received any such proof to date. 1. I requested validation of the debt- that is, actual accounting 2. Verification of their claim against me 3. A copy of the Original contract binding both parties ( Creditor and I ) in a letter by " certified mail '' so that there is a independent " witness to it having been delivered '' I received no response at all within the 30 day timeframe. And LVNV still is reporting a non compliant account. Instead of verifying the account within compliance I received a email stating my account has been sold to RESURGENT CAPITAL SERVICES ( a copy of email included ) RESURGENT CAPITAL SERVICES mails out a printout of a statement which IN FACT DOES NOT CONSTITUTE validation of this debt. Yet, LVNV is still reporting the noncompliant, unverified, incomplete account. I requested the METHOD OF VERIFICATION they did not comply. 
PLEASE NOTE on XX/XX/XXXX CFPB releases its FDCPA Annual Report stating the following one or more debt collectors continued collection activity despite not properly obtaining and mailing debt verification after the consumer exercised his or her 1692g rights. Specifically the Bureau calls out the practice where " debt collectors forwarded consumer debt validation request to irrelevant clients, who mailed responses directly to consumers. Section 809 ( b ) of the FDCPA. 

As per FTC opinion letter from Attorney XXXX XXXX XXXX you should be aware that a printout ( copy included ) of a bill or itemized document does NOT constitute verification. 

A copy of the Method of verification used was requested also. Including the names, address and numbers of all who were involved in verifying this account without proof.So that can inquire about the procedure used to verify. I received no response as well LVNV is in violation of : sections 623. [ 15 U.S.C. 1681s-2 ] Responsibilities of Furnishers of information to consumer reporting agencies ( a ) Duty of Furnishers of Information to provide accurate information.- ( 1 ) Prohibition ( A ) Reporting Information with actual knowledge of errors.- ( B ) Reporting Information after Notice and confirmation of errors.- ( 2 ) Duty to Correct or Update Information ( 3 ) Duty to provide notice of dispute 813 [ 15 U.S.C. 1692k ] Civil liability 805. [ 15 U.S.C. 1692c ] section 623 ( E ) DUTY OF PERSON AFTER RECEIVING NOTICE OF DISPUTE 809. [ 15 U.S.C. 1692g ] Validation of debts 812. [ 15.U.S.C. 1692j ] Furnishing certain deceptive forms SECTION 604 15 U.S. CODE 1681 ( B ) SECTION 605 ( A ) 15 U.S. CODE 1681 C-1 SECTION 605 B 15 U.S. CODE 1681 C-2
Product: Credit reporting, credit repair services, or other personal consumer reports

An account that was deleted off my transunion and XXXX credit report was re-inserted and put back on my credit reports. This account ( XXXX XXXX XXXX XXXX ) was removed now upon checking my reports it is showing as accounts that are closed and as a charge off. Transunion has it listed under accounts that are closed and marked as needs attention ( which is wrong ). This account was completely removed off my report as it was suppose to be ( according to corporate office over at XXXX XXXX XXXX ). XXXX has it listed just as a closed account but upon reviewing the closed account it shows charged off. This account was completely deleted off my reports and now re-inserted into a different spot. Once deleted they are not suppose to re-insert.
Product: Mortgage

am in the process of closing my house. My date was supposed to be on XX/XX/XXXX. 

Citizens Bank had failed to discharge a HELOC in XXXX and refuses to help me expedite a discharge letter. 

I believe that they are delaying this discharge to gain another payment of interest on my HELOC by withholding the discharge letter which should have been done in XXXX, XXXX years ago. 

Although numerous calls and emails have been made, Citizens Bank refuses to send/expedite the discharge letter. My closing keeps being pushed up costing me another interest payment thus changing the payoff amount. 

I am desperate. Citizens Bank promised this letter to be emailed to me on XX/XX/XXXX and as of today, nothing. 

I am XXXX and also have a XXXX XXXX  so I can't answer a phone call but can text/email. 

Please help asap. 

Kind regards,
Product: Money transfer, virtual currency, or money service

i had an international transaction done over XXXX and i purchased XXXX $ worth of goods and the tracking just says labeled created even though i paid for XXXX XXXX and the user has blocked me?
Product: Credit reporting or other personal consumer reports

Original Creditor nor collection agency can properly validation these identity theft accounts ... after 6 months of back and forth with the original creditors the collection agency who are now illegally reporting on debt. None of them has provided the original contract with my signature nor Identification. 
Help Please removed immediately please XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Type : Revolving Revolving Revolving Account Type - Detail : Charge account Charge account - Bureau Code : Individual Individual Individual Account Status : Derogatory Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Balance : {$1200.00} {$1200.00} {$1200.00} No. of Months ( terms ) : XXXX XXXX XXXX High Credit : {$1200.00} {$0.00} {$1200.00} Credit Limit : {$1100.00} {$1100.00} {$0.00} Past Due : {$1200.00} {$1200.00} {$1200.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Comments : Charged off as bad debt Profit and loss write-off Unpaid balance reported as a loss by the credit grantor. 
Consumer disputes - reinvestigation in progress Charged off account XXXX. Reporting to XXXX XXXX EXPERIAN Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3100.00} {$3100.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Purchased by another lender Purchased by a another lender. 
Account seriously XXXX. XXXX  Reporting to EXPERIAN Account # : XXXX XXXX Account Type : Installment Installment Account Type - Detail : Unsecured loan Unsecured loan Bureau Code : Individual Individual Account Status : Derogatory Derogatory Monthly Payment : {$0.00} {$0.00} Date Opened : XX/XX/XXXX XX/XX/XXXX Balance : {$0.00} {$0.00} No. of Months ( terms ) : XXXX XXXX High Credit : {$3100.00} {$3100.00} Credit Limit : {$0.00} {$0.00} Past Due : {$0.00} {$0.00} Payment Status : Collection/Chargeoff Collection/Chargeoff Last Reported : XX/XX/XXXX XX/XX/XXXX Comments : Collection Account Purchased by another lender Purchased by a another lender. 
Account seriously XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  reporting to XXXX Account # : XXXX Account Type : Collection Account Type - Detail : Collection Bureau Code : Individual Account Status : Paid Monthly Payment : - Date Opened : XXXX Balance : {$0.00} No. of Months ( terms ) : - High Credit : {$180.00} Credit Limit : - Past Due : - Payment Status : Collection/Chargeoff Last Reported : XX/XX/XXXX Comments : Account information disputed by consumer, meets FCRA requirements Date Last Active : XXXX
Product: Checking or savings account

I received a letter from US Bank indicating that my checking account will be " dormant '' 30 days after inactivity, which there were none back in XX/XX/XXXX. I also had {$5.00} in that account as well. Instead of US Bank closing my account in a timely manner, I was instead charged maintenance fees and then overdraft fees months after the account was suppose to close. 

XX/XX/XXXX : US Bank sent me a letter, " An Important Message About Your Account '' which indicated that my checking account had no " transactions or communications initiated by the customer in the last twelve months ''. This meant that " If no action is taken within 30 days of the letter ... the account will be considered 'Dormant ' ''. 

XX/XX/XXXX : US Bank sent me a letter indicating that the account has been overdrawn by " {$54.00} '' and that I should contact the branch that I normally do my banking. 

XX/XX/XXXX : I called US Bank CBMD-DDA Default Services at XXXX. XXXX, who was very kind and did her best to help me, said that it was collections and I needed to talk with the branch manager to resolve my matter. XXXX transferred the call which ended up on an individual 's voicemail, which I assume is the branch manager. 

XX/XX/XXXX : Instead of leaving a voicemail, I called the US Bank General Banking Customer Service and shared that my account should have been closed in XX/XX/XXXX, according to the document I received. XXXX, who was very kind and also did her best to help ( but I believe it was outside of her role to be able to fully help me ) stated : ( 1 ) that I was charged a maintenance fee in XX/XX/XXXX, and my account went to {$0.00}, and ( 2 ) that my checking account officially closed on XX/XX/XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX has been non-compliant with removing the unverified account PNC BANK which has been deleted by XXXX and XXXX. XXXX and XXXX have both completed their research and determined that PNC BANK was not established by myself but XXXX   keeps verifying this accounts. Also, when I called the company they responded that XXXX did not send them all of the verifying evidence to confirm each account is unverified.
Product: Checking or savings account

On XX/XX/2021 my Chase checking account was charged {$290.00} by a third party, XXXX, for XXXX XXXX  XXXX. I am a XXXX  XXXX  with XXXX and they offer a " XXXX XXXX  guarantee. ' I found this hotel for a cheaper price of {$190.00} through another company. I am having a difficult time getting XXXX to adhere to their own polices, but have also filed a complaint with the FTC. I then filed a dispute for the difference with MY financial institution, Chase, even provided the receipt direct from XXXX XXXX where I paid {$190.00}. The dispute was opened, I was then issued a provisional credit. XX/XX/2021 the fees were then reversed and I was charged the {$93.00}. I had provided all the documentation to show a. ) I paid {$190.00}, receipt provided, b. ) this is a third party that offers best price guarantee or they'll refund you 200 % and c. ) my account has always been in good standing. My account has now been in the negative since XXXX, my money has been illegally ( per the FTC rules for disputes ) to a third party! Chase advised me that the case is closed and they will not reopen it.
Product: Debt collection

Account info Account name CREDENCE RESOURCE MANAGE LLC Account XXXX Account typeCollection Responsibility Individual Date XXXX StatusCollection account. {$640.00} past due as of XX/XX/XXXX. 
ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDENCE RESOURCE MANAGE LLC XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDENCE RESOURCE MANAGE LLC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I requestThank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Credit reporting or other personal consumer reports

My information was breached and solicited by the XXXX XXXX and XXXX on XX/XX/XXXX for {$940.00}, XXXX XXXX XXXX on XX/XX/XXXX for {$140.00}, BMG Money on XX/XX/XXXX for {$2900.00}. No action has been taken to remove these payments from my credit report, nor was I contacted or received any documentation by either company, why this is reflecting on my credit report. 15 US code 645 states that this is false information and needs to be removed immediately from my account.