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

Some of the selections I made doesnt describe my issue with Navy Federal Credit Union XXXX I disputed charges with my bank against XXXX XXXX XXXX on XX/XX/XXXX. I was scammed out of funds from this business. I sent all the evidence about their scam and how they were shut down, assets frozen and are in litigation with the XXXX. Navy Federal told me that this could take up to XXXX business days. It got passed that so I checked on my claims they then started to give me the run around and said it still being investigated it could take longer and the evidence I sent in was good. I called XX/XX/XXXX to get an answer, only to be told that the back office was still investigating the case. I asked did they need more evidence and was told the evidence does not matter. They put me on the phone with a supervisor who said she could message that department but they would not speak with me. She sent a message, I do not know what it said and the back office sent her a message back stating they are going to deny my claim because it is outside the allotted timeframe for disputes against scams. I have never in my life heard such nonsense with any bank that I have banked with. They are basically telling me the scammers can get away with it as long as it falls outside their timeframe. I am infuriated because they knew when I filed if it fell outside the timeframe allowed and secondly that this investigation against XXXX XXXX XXXX was recent. The XXXX are the ones that told people to try and go through our banks to recover our funds back. This is the evidence I sent https : XXXX
Product: Debt collection

I do not have a contract with PORTFOLIO RECOVERY agency I did not sign a contract with my signature I would like for this account to be removed from my credit due to it's not correct.
Product: Credit card or prepaid card

I mailed : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  NY XXXX PHONE # ( XXXX ) XXXX A letter about the Covid Relief Act, to forgive me for my 7 late payments, XXXX XXXX, XXXX, XX/XX/XXXX XXXX, XXXX, XXXX, XXXX and Disputed them several times and they are still reporting my payments late to the credit reporting companies! 
Please contact there management and have them removed the 7 late payments! 
Thanks so much for your help! 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is my follow-up to my previous complaint. These items are needed for deletion immediately and this complaint is to notify you to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX XXXX XXXX, PA XXXX XX/XX/2020 XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$860.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX
Product: Credit reporting or other personal consumer reports

Fraud accounts unverified and sent to local police are being relisted. Please block all fraud accounts and related inquiries per FCRA, XXXX PD and CFPB. 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charges filed with Arizona supreme court for all 3 credit reporting agencies : Litigation ref # XXXX -Officer XXXX ORIGINAL POLICE REPORT ON FILE address, emails, bank statement, FTC, police report and ID attached for full verification
Product: Debt collection

Wrote them a dispute letter no response or anything verifying debts on XX/XX/2020 the request was made.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

I did not contact Navient because I've dealt with them before and they don't respond in a timely manner, so I came directly here. They are reporting my student loans as being 180 days past due, although the Biden Administration had/has a pause on student loan repayment until XX/XX/2022! How the XXXX is this even possible for them to erroneously report this over the past few months to the credit reporting agencies!!!??? Not only that, but it has plummeted my freaking score due to them being under a rock, and obviously not doing what they are supposed to?! Still messing up people 's lives although they've been sued in the past, which I will also be looking into a class-action suit as this has affected me greatly! Please help!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/21 I sent 3 credit bureaus a copy of my credit report. Which includes inaccurate information on my credit report including accounts open date to balanced owed. The bureaus know if information not matching with others you have to delete off my credit report. Unfortunately, they never did. Which is a violation.
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM FILING THIS COMPLAINT BECAUSE EXPERIAN HAS IGNORED MY REQUEST TO PROVIDE ME WITH THE DOCUMENTS THAT THEIR COMPANY HAS ON FILE TO VERIFY THE ACCOUNTS I DISPUTED. 
PLEASE RESOLVE THIS MATTER AS SOON AS POSSIBLE THANK YOU.
Product: Mortgage

I requested 5 months FOREBEARANCE they forced me to take two 3 months. 

Now they are sending me this packet to complete. 

The CARES ACT is clear. I am entitled to the FOREBEARANCE as long as I indicate COVID 19 has impacted me indirectly or directly!! 

I have done this by email over and over, by phone. PHH IS NOT COMPLYING WITH CARES ACT
Product: Credit reporting or other personal consumer reports

I was never late on my payments, yet there are XXXX, XXXX, and XXXX late remarks in my payment history. This is a clear violation of 15 U.S. CODE 1666B. These inaccuracies must be REMOVED from my payment history immediately. 

XXXX XX/XX/year> TransUnion XXXX XXXX XX/XX/year> XXXX requested and obtained a copy of my consumer report without my consent or a permissible purpose, in clear violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, et seq. According to 15 USC 1681b ( a ) ( 2 ), a consumer reporting agency may only furnish a consumer report when provided with written instructions from the consumer to whom it relates. I did not provide such written instructions.

This company 's conduct has blatantly violated my privacy, and I am extremely upset by this unwarranted invasion. Under the FCRA, Any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18, imprisoned for not more than 2 years, or both ( 15 U.S.C. 1681q ).

DELETE this unauthorized inquiry from my report immediately!
Product: Credit reporting or other personal consumer reports

On XX/XX/year> i send your company a dispute letter which its being completely ignored .By listing these accounts in this dispute, they have contravened my rights as protected by 15 USC 1681e ( b ). As a result of providing inconsistent information to each credit bureau, I experienced the negative consequences of a diminished credit score. In accordance with the rigorous liability standard of the FCRA, culpability against a CRA can only be established for a single violation. At present, I have no intention of initiating legal proceedings against your agency ; however, I would appreciate it if you could rectify the error that appears in my consumer report. If this erroneous information persists, I will be compelled to resolve the situation independently. Credit bureaus are required by law to report only 100 percent accurate credit information. It is imperative that every effort be made to ensure that the information being reported is entirely precise and true. Therefore, the following information requires further investigation.
Product: Mortgage

I completed 18 partial payments of 18 Forbearance months due to hardship still there is a balance of {$19000.00} My monthly Payment {$2400.00} Lender won't allow me to continue with my monthly payments until ; The balance of XXXX +is paid in full They demand a lump sum or to pay it in XXXX to 6 months, insane Plus the current monthly payment I tried to pay TODAY XXXX and can not do it I have filed for the assistance they insist on me to give them the keys and walk out The want to steal my house Highly predatory behavior I never late on my payments always on time the payment history doesn't lie if they don't take my payment they will ruin my credit If they give me 18 months to pay the forbearance i will do it They refused to help This is criminal behavior.
Product: Mortgage

XXXX XXXX XXXX ( XXXX ) was hired by XXXX XXXX XXXX to inspect the XXXX XXXX, which is located at XXXX XXXX XXXX in XXXX, Florida, XXXX regard to reported damage involved in a homeowners insurance claim. XXXX XXXX XXXX, P.E., Principal Engineer, inspected the structure and site on XX/XX/2022. 
During the inspection, XXXX observed that a section of wood joists and subflooring in the family room and kitchen area had been compromised, making those members no longer able to properly support the intended loads. The observed damage is an unsafe condition that poses a danger to the occupants at the residence. XXXX recommends that access to the kitchen and a section of the family room of the residence be restricted until temporary support or permanent repair of the damaged floor framing is completed, which should be performed in the immediate future.
Product: Student loan

I had loans through XXXX XXXX, they were consolidated with Fedloans. A lawsuit was done and I was told I no longer owed money on these loans. They are still showing open through Fedloans and on my credit report.
Product: Credit card or prepaid card

On XX/XX/22 I locked my Barclays View Mastercard card and received a confirmation email. On XX/XX/22 I was charged {$200.00} bXXXX XXXX  XXXX. I called to ask why this charge had gone through since my card was locked and they said that the card was showing as locked in their system but that it hadnt actually gone through. They closed my account and issued me a new card, and opened an investigation. On XX/XX/22 they issued a letter stating there was an investigation. On XX/XX/22 a letter was issued stating the fraud investigation had been completed and we have determined that you are not responsible for the reported fraudulent activity. Then a letter was issued XX/XX/22 stating that the investigation was completed and the charge was valid. I was not provided with a written explanation or any relevant documentation. I called their fraud line on XX/XX/22 to reopen the dispute and they told me I would have to fax or mail in proof that the charge was fraudulent. ( My card was locked, the charge should not have gone through. ) They refused to escalate my issue and said a manger would call me in XXXX business days. The person I spoke to on the phone also admitted that this is happening to many customers, they are being issued letters saying their dispute is settled and then later being charged for the amount.
Product: Prepaid card

On XXXX XXXX, my Bluebird American Express account was subjected to XXXX unauthorized transactions totaling {$1200.00}. The charges took place at XXXX XXXX XXXX, North Carolina -- a state I have NEVER been to. I live and was in XXXX XXXX at this time. The physical card was in my possession and I have never supplied my card number to another person. Therefore I believe I was the victim of card skimming. 

I noticed the charges that afternoon ( XXXX XXXX ) and immediately notified Account Protection Services. My existing card was cancelled and a replacement was issued to me. I called back on XXXX XXXX once the XXXX charges had cleared in order to file and begin the dispute process. I followed proper protocol as outlined by American Express and supplied all information that was requested for the investigation. On XXXX XXXX, I received an email notification that my dispute had been declined along with another email that my account had been permanently closed ( blocking my access to over {$1500.00} in funds ). I filed a police report the same day, faxed a copy to Account Protection Services, and called to request that the dispute be re-opened. I was told the investigation was complete, case was closed, could not and would not be re-opened. A supervisor, XXXX, suggested that I contact XXXX directly to dispute the transactions and request reimbursement. On a subsequent call XXXX XXXX, I spoke with XXXX again and demanded details of the investigation, which I 'm entitled to as a cardholder. I was told affirmatively that no information would or could be provided to me and the decision was final, and the call was terminated by XXXX. On my last call to American Express XXXX XXXX, a customer service rep said that I could a letter in writing to their XXXX to request details of the investigation and request my dispute be re-opened. I sent this letter via certified mail on XXXX XXXX, along with a copy of my police report, declaration of fraud form, call records and photo evidence of my location in XXXX XXXX on XXXX XXXX. As of XXXX XXXX, no response has been received. This is a blatant disregard of my rights as a cardholder, as outlined in Regulation E of the Electronic Fund Transfer Act.
Product: Credit reporting or other personal consumer reports

Experian has not accurately investigated accounts on my report. I filed a dispute in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I have sent Mail correspondence to Experian asking for verification but they said it came back accurate but nothing was sent to me stating how. Closed accounts which are not mine and they are as follow, XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX. Please remove as it is hurting my ability to obtain credit under false reporting
Product: Debt collection

Checking my credit report bc I have been working on repairing my credit I noticed that the same accounts that I turned into XXXX XXXX XXXX XXXX to be paid is still on my report as collections. I have alerted the XXXX different companies several times that XXXX XXXX has the accounts and that they should contact them for payment. I pay XXXX XXXX every XXXX weeks for these accounts and I feel like if I am attending to the accounts why are they showing up as collections. I will not be paying XXXX XXXX and then paying the collections companies too and they clearly have these accounts.
Product: Debt collection

I recieved a letter from an attorney named XXXX XXXX XXXX in XXXX county regarding Southwest collection services. This is the first I have ever seen from this creditor.It claims I owe a debt. However the Debt is Time barred and has never been collected on before today. I was under the impression that this debt didn't exist as I had returned the Merchandise and then the company XXXXXXXX XXXX XXXX went out of bussiness. I never had any debt with this company. I have not had any open accounts with XXXX XXXX XXXX since XXXX. It is now XX/XX/XXXX and I am receiving a letter from an attorney threatening me to pay something that is far to old to be collected on or I will be sued
Product: Credit reporting, credit repair services, or other personal consumer reports

A few months ago after reviewing copy my credit report I discovered account that appears to be charged off from XXXX XXXX XXXXXXXX XXXX . I reached out to creditor to advised them I have know knowledge of opening XXXX XXXX store card. I requested creditor validation validity of account by providing me with copy photo identification they obtained when account was open to verify identity of person that open account. XXXX XXXX has yet to mail any of the requested information. 

Today XX/XX/2018 @ XXXXXXXX XXXX I made one last attempted to resolve issue with XXXXXXXX XXXX and I decided to give them a phone at XXXX. I spoke with a representative that advised me that XXXXXXXX XXXX had sold account back on XX/XX/2018 to XXXX XXXX. 

XXXXXXXX XXXX has failed to provide me with at evidence to validation the validity of account prior to selling fraudulent account to third party collection agency.
Product: Credit reporting or other personal consumer reports

CFPB Writeup : In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 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 has violated my rights.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting or other personal consumer reports

I am in disagreement with the account listed below which still appears on my credit report, even after your Investigation. 

I would like this item immediately re-investigated. The inaccuracies are highly injurious to my credit score. 

*Account Name : ** [ XXXX XXXX XXXXXXXX XXXX **Account Number : ** [ XXXX ] In accordance with The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, please provide the names and business addresses of each individual with whom you verified the account, so that I may follow up. Please send me an updated copy of my credit report after your reinvestigation.
Product: Debt collection

I received a letter from CCB Credit services trying to collect {$130.00} from a creditor XXXX XXXX XXXX I do n't know the company File # XXXX Account # XXXX
Product: Credit reporting or other personal consumer reports

SEE ATTACHED FTC AND UCC 11 RESULTS FOR ALL FALSE LEIN HOLDERS AND A-L FINANCIAL ACCOUNT.

Blatant Violation of Consumer Rights and Potential Securities Fraud It has come to my extreme dissatisfaction that no clear and conspicuous consent was ever obtained from myself, the consumer, for the furnishing of credit reports by any creditor or credit reporting agency ( CRA ). Neither written nor verbal permission was granted for the reporting of my transactions, nor was I ever informed about the distribution of my personal information to third parties. 

This blatant disregard for the Fair Credit Reporting Act ( FCRA ) and the Gramm-Leach-Bliley Act ( GLBA ) is unacceptable. Congress explicitly prohibits the reporting of my non-public personal information without my clear and conspicuous opt-out, as outlined in 15 USC 6802 ( b ) ( 1 ). Despite this legal requirement, my information has been used by creditors, third-party debt collectors, and CRAs like XXXX, XXXX, and XXXX, not only resulting in identity theft but also potentially constituting securities fraud. 

Furthermore, my explicit request over two months ago to block and remove these reports, as mandated by 15 USC 1681C-2, has been ignored. This blatant disregard for the legal timeframe of four days for processing such requests is a further sign of your negligence.

Be warned : 15 USC 1681 ( b ) demands that CRAs implement reasonable procedures for handling consumer credit information with fairness and equity. This includes ensuring confidentiality, accuracy, and proper utilization of data, all of which have been demonstrably violated in my case.

Your continued furnishing of these reports without my consent opens the door to potential securities fraud charges under my Congressional findings.

I demand immediate action. Cease and desist all further reporting of my personal information without my explicit authorization. Additionally, I expect a full and swift investigation into this matter, including the removal of all inaccurate information from my credit reports within the legal timeframe. 

Consider this a formal warning. I will not hesitate to pursue legal action against all involved parties if these violations persist.
Product: Mortgage

Why am I receiving a notice requesting payment on XX/XX/2022 to collect an annual premium payment for three months of insurance from XXXX XXXX to XX/XX/2022?
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act The XXXX Accounts Listed On The Documents, 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 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose
Product: Debt collection

I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( mo ) 281 SW 715,719, I presum that no proof of the alleget debt, nor therefore any such debt, in fact therefore exists
Product: Money transfer, virtual currency, or money service

XX/XX/17 went to Sun trust bank for a {$800.00} money transfer to the XXXX {$50.00} was the fee, 6 days the money was not delivered and refund was issue {$740.00} {$50.00} fee for sun trust , $  XXXX.more for XXXX XXXX XXXXXXXX , total XXXX for a mission not acomplish really.
Product: Credit reporting

I had a property in XXXX with a mortgage with XXXX XXXX Bank XXXX. An XXXX Deed was filed on XXXX XXXX, XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX XXXX Bank XXXX sold the mortgage to XXXX Bank. XXXX Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact XXXX all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took XXXX FIVE YEARS to finally finished the foreclosure of a property they already owned in XXXX. At that time, the credit bureaus updated my credit report ( 5 years after the recorded XXXX Deed ) that the mortgage was foreclosed. The incorrect handling by XXXX and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I decided to pull my credit because every single time I would apply for a credit card I would get denied. To the best of my knowledge I have always paid my bills on time. So, I know for a fact that these things showing on my report do not belong to me. These accounts were fraudulently made without my consent. Please remove these accounts from my report as soon as possible. XXXX XXXX XXXX XXXX {$100.00} XXXX XXXX {$7700.00}