23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Subject : Complaint Against Navy Federal Credit Union for Unjust Denial of Promissory Note Acceptance To Whom It May Concern, I am filing this complaint against Navy Federal Credit Union for refusing to accept my promissory note as a negotiable instrument under UCC 3-104, despite no legal or policy-based justification provided.

Details of the Complaint : I presented a legally valid promissory note for processing.

Navy Federal refused to honor the instrument without providing a clear legal explanation. 
My repeated requests for a regulatory basis were met with vague responses, effectively stonewalling my inquiry. 
This refusal potentially constitutes unfair and deceptive banking practices.
Product: Credit reporting or other personal consumer reports

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

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

I demand the late payment reported in XXXX, XXXX, XXXX, XXXX to be removed. 

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

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

XXXX XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ).

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

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

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

In XX/XX/XXXX my mother XXXX XXXX XXXX, who had power of attorney at the time ) contacted XXXX to request a forebearance. This was right when COVID was beginning. They told her that my loan wouldnt even be able to go into forebearance until the loan was brought current, and furthermore that this would prevent any missed payments as being reported delinquent. So she brought my payment current by liquidating my 401k and paying XXXX and XX/XX/XXXX. There was NEVER any mention of any more payments to facilitate this process. It took XXXX until the end of XXXX to put my loan into forebearance with absolutely NO correspondence about any sort of extra payment. When she applied all they told her in XX/XX/XXXX was to make those payments and wait for the application to be processed. So I come to find out a couple of months ago that this entire time my loan has been in forebearance due to COVID ( still currently in forebearance ) that they have reported EVERY SINGLE PAYMENT as delinquent ; THIS HAS DESTROYED my credit score. I have been in contact with them several times since I found this out and keep getting empty promises as to it being resolved in the next few business days ; on every call. I have escalated it, and escalated it, and made notations on the account, even offered to pay the missed month to clear this up and delete the delinquent payments off of my report. In the most recent call, they told me it would be resolved by today, yet I have not received an email or phone call. What happened, so they say, is that since the XX/XX/XXXX payment was not completed when it went into forebearance, which made my loan payments not current. Again, my mother did everything they told her to by bringing it current, per their directions, by paying XXXX and XX/XX/XXXX in XX/XX/XXXX, and it was their negligence that made the missed payment in XXXX by not only taking so long to process the plan but not informing anyone that they needed payment for XX/XX/XXXX as well. The application was in as of XXXX and it took them until XXXX to process it with NO mention of any extra payment. My mother is retired and well established and will testify to this in any legal format deemed necessary. XXXX should also have phone records, so they say, as they always use a recorded line. Please help. I have done everything I can and they seem like they are just trying to bury this and destroy my financial future for years to come. We did everything they told us to do and now my credit score is a XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

RE : Request Investigation of Credit Inquiry on My Behalf Dear Sir or Maam, I recently conducted a review of my credit report, and I noticed that your agency showed credit inquiries that I find to be problematic. The first inquiry in question was apparently made by Comenity bank/wayfair on XX/XX/XXXX and I have no recollection of doing any business with Comenity bank/wayfair. I contacted Comenity bank/wayfair, and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

The second inquiry in question was made by Comenity bankXXXX on XX/XX/XXXX and I have no recollection of doing any business with Comenity bankXXXX I contacted Comenity bankXXXX and asked them to take action to get this inquiry removed from their records and to erase any record of the inquiry with all credit reporting agencies. 

They assured me they would comply with my request and take whatever steps necessary to resolve the issue, but I wanted to contact you as well, just to make sure this gets done.convenience, as I am going to be applying for a home mortgage in the near future. I would very much like to ensure my credit score is showing an accurate depiction of my creditworthiness.

Please update me with a full report on your findings within the next two weeks. I look forward to having this situation rectified as soon as possible. Thanks for your prompt attention to this matter
Product: Credit reporting, credit repair services, or other personal consumer reports

I have recently reviewed my credit report and noticed some unauthorized accounts on my credit report and under 15 USC 1681 ( a ) ( 3 ). You guys assumed this role without permission not only that you did not have my consent. You guys did not respect my right to privacy which is under 15 USC 1681 ( a ) ( 4 ). You did not exercise your grave responsibility, you were unfair, you were partial. I have already taken the liberty to file a CFPB report and an attorney general 's complaint. 

You never had a permissible purpose Under 1681 ( b ) ( 2 ). I never instructed you guys to furnish this report and I never consented to this report in the first place. 

In addition to the many violations, XXXX is NOT the original servicer of the XXXX Accounts # XXXX. That makes them a third party debt collector under the FDCPA. It shows the accounts are Paid in Full ( PIF ) which means these student loans were paid in full by an insurance claim filed by the lender or guarantor agency. It was paid via insurance. 

XXXX has also failed to properly secure and safeguard personally identifiable information for more than XXXX XXXX borrowers, including myself during a recent data breach of its servers. The particular PII allegedly included my addresses, email addresses, phone numbers, and Social Security numbers. The complaint argues that the release of that information resulted from XXXX ( XXXX ) failure to secure the data, ( XXXX ) failure to comply with industry standards, ( XXXX ) unlawful disclosure, and ( XXXX ) failure to provide adequate notice of the incident. 

What I am demanding right now is that you guys delete the multiple XXXX Accounts # XXXX off my report. I can give you the CFPB report number. If this does not get deleted immediately, I will be seeking statutory damages since you willfully violated the obligations under the FCRA and FDCPA.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash App ( Block , Inc. ) due to inadequate customer service and unfair practices, which violates the consumer financial protection act ( CFPA ). Cash App fail to take timely and effective measures to prevent and address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, their dispute resolution process was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fraud Transfer Act ( EFTA ) and Regulations E. These actions has caused significant inconvenience and financial loss, and I seek appropriate redress for the violations.
Product: Credit card or prepaid card

I had to use my card make a large purchase as I could not goop into the bank to get a wider. I made the down payment in XXXX of 10k and called to let them know what I was doing and there would be more. I made the rest of the payments in XXXX and XXXX and I would immediately pat it off. In XXXX I accidently paid the payment twice of 19k. I called them and let then know what had happened. The customer service agent had said that everything would be fine.The next day they closed my account and 4 other Synchrony accounts with no notice. I found out when I went to use the card. 

When I called them they could not give me a reason just that they could close them at any time. The first two agents were terribly rude taking to me like I was a criminal. I asked why they had not contacted me. They said I would receive a letter. I had been a customer for 15 years and paid my account in full every month. I did speak to a supervisor who says he would appeal it. 

We received the letter in the mail and it said they had been closed with the reason : activity on accounts with Synchrony bank indicative of high risk of failure to pay. Which I had over paid from the account I always paid from. This was dated XX/XX/XXXX. I received another letter dated XX/XX/XXXX stating they were closed due to the high number of accounts we have with Synchrony. Which I have had the same number of accounts with them for several years. 

Their action caused my credit to drop from XXXX to XXXX XXXX appox ). I have worked my entire life to have good credit and now I am almost ready to retire and they destroy my credit. They should not be able to have this kind of power. I have read reviews that say Synchrony discriminates towards seniors and maybe that is the reason.
Product: Credit reporting or other personal consumer reports

I have reviewed my consumer reports and noticed that there is a record of XXXX late payment on an account that I have never been late on. It is the responsibility of consumer reporting agencies to report consumer information accurately. Therefore, I request you to investigate this matter and provide me with proof that these payments were late. I have attached a screenshot of the account in question, dated [ XXXX ]. If it can not be proven that the payments were late, I demand that they be updated to " paid as agreed on time '' as they should be, due to the fact that I have never made a late payment on this account. Thank you for your assistance. Please see the screenshot attached.
Product: Credit card

I closed my account because they added an annual fee of {$39.00}. I owed {$11.00} in interest. They will not let me pay the interest only. They want me to pay their annual membership fee in addition to the {$11.00} interest. Then after 90 days they will mail me a refund for the membership fee. I paid my total account balance on XX/XX/2023. This is ridiculous. Let me pay the interest I owe and remove the annual membership fee.
Product: Credit reporting or other personal consumer reports

I value your help to REMOVED a portion of the data in my credit file that came about because of a FRAUD yet I have an Items passed on that should be taken out or Block. Per FCRA segment 605 you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. 
XXXX XXXX ; XXXX XXXX XXXX XXXX, CA XXXX ; XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX Balance : {$0.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filled a CHAPTER-XXXX BANKRUPTCY That was DISMISSED and My Mortage was included. But the Mortage company " XXXX XXXX XXXX '' is still reporting the the Reporting Angency 's after 2 years. And they reported XX/XX/XXXX and my BANKRUPTCY was Dissmissed XX/XX/XXXX. It dropped my score significantly! They waited 2 years and false reported knowing that it was dismissed. 

On top of that it is in the law under 15 USC 1681 ( a ) under the exclusions ( b ) that this has to be excluded from my credit report, so how is it that this is even reporting. This is wrong and it is affecting consumers but they don't care.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was the victim of identity theft and this is my third request to remove the information in my credit file resulting from the identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), the Credit Bureaus are required to remove any items not later than 4 business days after XX/XX/XXXX. Ive already included this report in a previous letter & I am including it again. Also, the information that other Credit Bureaus provided on some accounts are UNKNOWN to me and REMOVED from other bureaus and I have doubts in their accuracy. This letter is to notify the Credit Bureaus that if they do not REMOVE the listed accounts on my report, I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold the Credit Bureaus accountable for their willful noncompliance. 


XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX  XXXX Balance Owed : {$5700.00} XXXX XXXX XXXXXXXX Balance Owed ; {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX : {$500.00} XXXX XXXX XXXX  XXXX Balance Owed : {$2700.00} XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed XXXX {$1000.00} XXXX XXXX Balance Owed : {$29.00} XXXX  XXXX Balance Owed : {$850.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX MO XXXX XXXX XXXX XXXX XXXX, MO XXXX
Product: Mortgage

i sent a letter to you stating that my mortgage principal balance is not going down. the owner of my loan states they don't make decisions on loans. after that i contact XXXX XXXX they say they don't make adjustments on loans. i'm confused, who do i go to for help.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act and XXXX Account # 1. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING XXXX XXXX, XXXX XXXX, ACCOUNT NUMBER XXXX. 2. FCDPA SECTION 807 VIOLATION MISLEADING FALSE REPORTING DEPT OF ED/XXXX, ACCOUNT NUMBER XXXX. 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 also states a consumer reporting agency can not furnish a account without written instructions. I DEMAND THAT ALL ITEMS BE REMOVED AFFECTIVE IMMEDIATELY! AS I HAVE PROVIDED ALL LEGAL DOCUMENTATION VALIDATING THE INACCURACIES OF MY CREFIT REPORT DAMAGING MY LIFE.
Product: Credit reporting, credit repair services, or other personal consumer reports

After all the recent media Ive been seeing about hacks of millions of Americans information. I received a copy of my credit report and noticed several accounts that were not mine, and reporting inaccurately to the credit bureaus I filed a police report to notify authorities. So far no actions have been taking by any of the credit bureaus. 

BELOW are the Company, Account #, Dates OPEN and Balances for inaccuracies reporting on my credit report : Company : XXXX XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX  XXXX  XXXX XXXX Account # : XXXX Date Open:XX/XX/XXXX Balance : {$650.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance : {$240.00} Company : XXXX XXXX XXXX Account # XXXX Date Open:XXXX Balance:XX/XX/XXXX Company XXXX XXXX/XXXX Account # XXXX Date Open:XX/XX/XXXX Balance : {$380.00} Company : XXXX/XXXX XXXX Account # : XXXX Date Open:XXXX Balance : {$510.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

I sent Experian a dispute letter on XX/XX/2022 in regards to FRAUD on my account. 

They have not responded in the thirty days allowed them by the FCRA and that being the case, the law states that ALL disputed items MUST be removed.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX, I submitted a written dispute to Experian regarding inaccurate information on my credit report. Under the Fair Credit Reporting Act ( FCRA ) Section 611 ( 15 U.S.C. 1681i ), they must investigate and respond within 30 days ( or 45 if more information is provided ). However, over 60 days have passed, and I have received no response, correction, or removal of the disputed items. This failure to investigate and/or correct unverifiable information appears to violate the FCRA. I am seeking the CFPBs assistance to ensure Experian complies with its obligations by investigating my dispute, correcting or removing inaccurate items, and providing a timely resolution as required by law.
Product: Debt collection

VALIDATION AND CEASE AND DESIST Collection agency name : Midland Credit Management XXXX : XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, MI XXXX Account number : XXXX Your NAME : Your address : Dear ( Debt Collector ) I recently received a debt collection notice from your office. I am writing to verify that you have contacted the correct individual and to request that you provide documentation confirming this. 
Please supply me with a copy of any contract or agreement signed with your company or the original creditor. 
In accordance with the Fair Debt Collection Practices Act ( FDCPA ), I request the following information : XXXX. The name and address of the original creditor and the current creditor. 
XXXX. Verification of the debt amount you are seeking to collect, including evidence that a contract exists creating the amount you claim is owed. 
XXXX. Documentation of all assignments showing the transfer of the debt from the original creditor to the current creditor. 
XXXX. Proof that the original creditor securitized the debt. 
XXXX. Documentation showing the assignments of the debt from the original creditor to the secured trust and then back to the original creditor. 
Please cease and desist from collecting on this debt until you have provided validation of the debt. 
Additionally, I request that you do not access my credit report or report anything to my credit bureaus. I dispute the validity of this debt amount, and this dispute should be reflected on my credit report if you have already reported this debt. 
Permissible Purpose Please state your permissible purpose for accessing my credit information. I dispute your right to do so. 
Notification to Other Collectors I dispute that I owe this debt to you. Should you transfer this debt to another collector, please inform them of my dispute regarding the validity of this debt. 
Thank you for your prompt attention to this matter.
Product: Prepaid card

Between XX/XX/XXXX - XX/XX/XXXX after Between XX/XX/XXXX and XX/XX/XXXX, I discovered multiple duplicate and/or unauthorized transactions on my Cash App account. I attempted to initiate a dispute, providing documentation to support my claims. However, despite having the necessary evidence, my disputes were denied on at least XXXX occasions before Cash App had even requested or received the documentation. Because of on multiple instances, I was required to refile the same dispute and resubmit the same supporting documents. These repeated denials and the need to continually refile my disputes demonstrate a troubling pattern of harmful actions by Cash App.
Product: Money transfer, virtual currency, or money service

I sent money to XXXX on XX/XX/2021 and got canceled due to amount limitation. Refund was initiated but my checking account was frozen. I closed my checking account that I used to send money and called Xoom on XX/XX/2021 to inform them that my checking account is already closed. They told me that they will going to send a manual checking instead. I called Xoom on XXXX XXXX, 2021 for update but they did not send the check. I was promised that they will escalate the situation. I waited till XX/XX/2021 and I called. To my surprise, they did not send the check to me. I called again on XXXX, 2021. And guess what..no progress on my refund.
Product: Credit reporting

I have submitted all info in reference to many accounts and inquiries opened in my name. I have provided police report, FTC affidavit, copy of my driver 's license, social security card, bill, etc. I have advised them that many of these accounts, broken lease ( which I have provided to XXXX properties ), inquiries, etc are not mine. I am livid, XXXX off that I have done what I need to do, provided information, etc and still have not gotten correct remedies to the situation. I have attempted to reach out to these companies and have been advised that my information was used and provided ( hence the reason I have obtained a police report and FTC affidavit ). I should ONLY have inquiry fom XXXX XXXX XXXX of XXXX, XXXX, XXXX and XXXX 2016 this is it ... XXXX Properties was opened fraudulently in my name as I lived and have provided info to this company that I lived XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, and have only had a XXXX XXXX. This is ridiculous as these companies are ignoring the fact that I have provided and stated this is fraudulent and are still reporting this on my Credit Bureau Report with no help from the reporting agency.
Product: Credit reporting or other personal consumer reports

Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

Account Name : XXXX XXXX  XXXX Account Number : XXXX INQUIRY Account Number : XXXX XX/XX/year> XXXX
Product: Credit reporting or other personal consumer reports

This is one of several times I've discovered that my credit report had inaccurate information. The three credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. The following false information on my credit report has to be investigated, amended, or completely rectified : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX