23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX  Account # XXXXXXXX XXXX Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  Account # XXXX XXXX  XXXX Account # XXXX XXXX XXXX Account # 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

On XX/XX/XXXX, I called Navy Federal Credit to inquire about refinancing my mortgage and to take cash out. After the loan officer excepted the information and completed the application via phone ; I informed the Loan Officer not to submit the application until notified due to a dispute on my credit file and one that the Department of Insurance , Securities, and Banking is working to resolve. On XXXX XXXX or XXXX, XXXX, I received a letter from Navy Federal Credit Union indicating that my loan was denied for the following reasons : 1 ) insufficient income, and 2 ) a delinquent account that is more than 8 years old and was disrupted. Navy Federal Credit Union never verified my income because I never provided proof of said income but I did grant permission to pull my credit report at a fee of {$19.00}. Please help me to understand why the Navy Federal Credit Union submitted my application without my permission. ( Please feel free to ask Navy Federal Credit Union for the recording of the transaction ) Around the week of XX/XX/XXXX, I called Navy Federal Credit Union to inquire about why they submitted my application without my permissions and I was transferred to a supervisor where I left a message and as fo date ( XX/XX/XXXX ), I have not heard from the said supervisor. However, I did receive an invite to complete my application online on XX/XX/XXXX, at XXXX XXXX. Additionally, after I had been granted pre-approval from XXXX  XXXX to purchase a car ( XX/XX/XXXX ) and attempted to complete my Navy Federal Credit Union Mortgage Application, I made a decision not to submit my mortgage application to Navy Federal because " they " continue to deny me credit even for a car loan. This organization lending practices appear to be impartial and should be investigated. I will close my account with Navy Federal Credit Union in the future in order to continue my banking relationship with XXXX  XXXX XXXX who appears to be inclusive in lending to communities of XXXX. Thanks
Product: Credit reporting, credit repair services, or other personal consumer reports

My name is XXXX XXXX and someone I don't know stole my identity
Product: Credit reporting

I contacted XXXX in earlier XXXX after became aware of some inconsistencies in my XXXX account in late XXXX XXXX. I had just returned to the US after a 3 years tour in XXXX and was trying to reactivate my insurance to full coverage for my vehicle which was still in storage at that. I needed change my insurance to full coverage because otherwise I had to $ 120.00/Wk for my rental car anyway after multiple calls and bounce back and forth between numerous department regarding and {$8000.00} on my accounts, I finally gave up and decided to contact them back after the XXXX weekend and went ahead and bought insurance from another XXXX. Fast forward to XXXX XXXX, Between the Holidays, transitioning and all the training I had to go, I kind of forget about XXXX until I attend a class in XXXX when I was reminded of the free annual credit report and given a code to check my fico score. After I became aware of multiple discrepancies on my credit files, I contacted XXXX and the companies in question requesting information to assist me in addressing the fraudulent and or erroneous transactions. I finally received a response from XXXX in which its representative XXXX XXXX declined to investigate because I did not provide them with sufficient information. Unfortunately I do n't have any additional information, because I did not open the account, and have verified with my wife whom has vehemently denied opening the fraudulent account. XXXX is one of the best company out there and very military friendly which is the reason I am very surprise by their response. I can not protect myself and get police involved if necessary unless XXXX provide me with the requested info. Thank you!
Product: Checking or savings account

After a 10 month long investigation into my balance transfer issue for {$3200.00} XXXX details below, part of the first complaint ), J.P. Morgan Chase bank did not resolve the issue and simply proceeded to send me a letter that they are ending a relationship with me thereby closing my company 's business account, Chase XXXX XXXX  card and checking account I have had open since XXXX. 
As a result, when I called Chase to inquire about the status of my balance transfer case, I was told that since the account is open, representatives can not see any more details of my account. 

Chase wants to keep my money {$3200.00} and make me give up on this case by closing my accounts. This made me look for another institution, my investments, direct deposits for my employer and inconveniencing me over their mistake or internal fraud. My business also suffered because I had to move my merchant account as well and the Point of Sale. 

I have given them time since XX/XX/XXXX to investigate but NOBODY from the parties involved at J.P. Morgan Chase showed any interest in my issue as a consumer and treated me with disrespect every time I called. I even had 2 supervisors from Cardmember Services hang up on me. 

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To Whom It May Concern, I am writing you to resolve a 10-month dispute with bank J.P. Morgan Chase XXXX started in XX/XX/XXXX XXXX regarding a refund. 
I am a cardholder of Chase XXXX XXXX  Card issued by J.P. Morgan Chase. In XX/XX/XXXX, a merchant refunded me {$3200.00}. I reached out to Chase Cardmember Services Department to request a check to be mailed to my home address. The representative advised me that the banks procedure is to send an email from Chase XXXX XXXX XXXX XXXX for me input my account information requesting an ACH deposit to the account that I desire. 
After 7 days of waiting for the email, I called Chase Cardmember Service to inquire about the status of the email. I was advised that the funds were already deposited into an account ending is XXXX XXXX attached letter from the bank ) on XX/XX/XXXX. I declared that this account is not mine and that I did not receive an email or requested the funds to be transferred to that account. 
Since XX/XX/XXXX, I have been trying to express to Chase Cardmember Services, Chase XXXX XXXX, XXXX Department, Recoveries Department, Chase XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Department, Identity Theft Department, Security Department, Customer Claims Department and XXXX branch representatives ( XXXX XXXX, FL and XXXX, FL ) For detailed list of parties involved, see Annex A. 
On two occasions, I was able to have a Chase Cardmember Services supervisor speak with their counterpart at Chase XXXX to address the fact that XXXX  received incorrect instructions/email address from Cardmember Services and that for this reason, someone else was able to obtain my funds. Even though this was verified on two recorded calls, I am still waiting for my funds and nobody has sent me my check with the refund.
Product: Debt collection

Information was provided to me thru my XXXX Account : XXXX : XXXX Derogatory marks View all accounts COLLECTIONS Commonwealth Finance Opened XX/XX/2020 {$710.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Overview You've paid off 0 % of your collection amount. 
Balance {$710.00} Highest Balance {$710.00} Opened XX/XX/2020 ( 3 mos ) Account status Open Type -- Responsibility Individual Remarks Placed for collection Original Creditor Name XXXX XXXX XXXX XXXX XXXX See an error? 
DIRECT DISPUTE If there's an error on your report, you can submit a dispute without leaving XXXX XXXX. 

DISPUTE AN ERROR Creditor Information COMMONWEALTH FINANCE XXXX XXXX XXXX XXXX, PA XXXX ( XXXX ) XXXX
Product: Debt collection

To Whom It May Concern, The reason for my dispute is RECOVERY ONE LLC # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ).

However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, RECOVERY ONE LLC failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of XXXX allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) RECOVERY ONE LLC failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. RECOVERY ONE LLC* is held liable as well for defamation and in the state of XXXX a creditor is who collects their on debt is considered a debt collector under 1319.12 Taking assignment of debts. FDCPA I fail to see where RECOVERY ONE LLC is in compliance with XXXX LAW. I also believe that this business is not registered to operate in the state of XXXX. I expect this collection account to be removed from my credit report. RECOVERY ONE LLC. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
Product: Consumer Loan

XXXX repo my boat and never gave me a change to get it back. The sold the note and recoveries to XXXX XXXX. A year after they sold the rights to the vessel they came back on me a put a Final Judgment in the state of XXXX after selling their rights to collect on the note. They also sold the vessel in XXXX not to comply with XXXX Statues. XXXX came back after to put another Judgment on me for the same note.
Product: Checking or savings account

on XX/XX/20 my account has a positive balance of {$2.00} with 0 pending transactions. the next morning on XX/XX/20 my transactions had been rearranged from biggest to smallest instead of the order they posted in and my account was overdrawn by {$5.00}. i called PNC to get it refunded and put the account in a positive balance but they denied my request to have the fee refunded. fine. i put the account in a positive balance and went on my day. 
however on XX/XX/20 i had 2 pending charges while the account was still in negative. the credit for my account was still pending and i got charged 2 overdraft fees for the pending charges even though they hadn't materialized yet and even if they had the account would have still been positive.. BUT because the credit hadn't posted yet PNC saw it was me making transactions while negative. I called again to get these charges reversed but the customer service representative told me that a computer makes those decisions and she is unable ( unwilling ) to escalate it and would not let me speak to a manager.
Product: Credit reporting or other personal consumer reports

I have received my credit report which suggests that I may have owed you something in the past or present. However, there is no evidence to support your claim, so I request that you dismiss all claims and remove any harmful reports against me. Specifically, I request that you remove any current reported items that are potentially lacking mandatory physical document evidence to verify the truth and accuracy of the claim, as well as any evidence of compliance with the certified XXXX XXXX format reporting standards. 

Listed below are the Personal Information that are being challenged Employer - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX XXXX Incorrect Name : - XXXX XXXX Incorrect CurrentAddress : - XXXX XXXX XXXX, XXXX, CA, XXXX Employer - XXXX  Incorrect Previous Address : - XXXX XXXX XXXX, XXXX, CA, XXXX Listed below are the Accounts that are being challenged XXXX XXXX  - XXXX XXXX  XXXX - XXXX XXXX  - XXXX Listed below are the Collections that are being challenged XXXX  - XXXX XXXX  - XXXX XXXX - XXXX XXXX  - XXXX Listed XXXX are the Inquiries that are being challenged XXXXXXXX XXXX XXXXXXXX - XXXX Your agency is in breach of the law XXXX According to 15 U.S.C. 1681 section 602 A, I am entitled to privacy. Furthermore, 15 U.S.C. 1681 Section 604 A Section 2 specifies that a consumer reporting agency may not provide an account without my explicit written permission. Additionally, 15 U.S.C. 1681c. ( a ) ( 5 ) states that no consumer reporting agency is permitted to include any adverse information in a consumer report if the event occurred more than seven years ago, except for criminal convictions. Lastly, 15 U.S.C. 1681s-2 ( A ) ( 1 ) mandates that no person should provide information about a consumer to a consumer reporting agency if they know or suspect the information to be inaccurate.
Product: Debt collection

I have a auto loan with Gm Financial. The repo 'd my car and left a balance of. This attorney XXXX & XXXX sued me and garnished my wages. I been paying on it for 3 years and I showed it was paid XXXX 2015. I have called them 3 times along with GM Financial And sent them certifified letters to get this resolved. Still nothing from either of them. Under the fair credit act I have a right to this information. They still are garnishing my wages but I have no idea why and why I can not see my payment history to vertiify my payment history.
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. 

Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX and 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 XXXX 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 card

We have been using and paying card in full for over a XXXX, went to see family a state away due to a XXXX and as we XXXX XXXXXXXX XXXX the card started declining, we didnt even get phone call with the number they used to identify my account!
Product: Credit reporting or other personal consumer reports

Please follow suit and remove this fraudulent account, XXXX has already removed the account. 

Please be advised that this is my 3 rd WRITTEN REQUEST AND FINAL WARNING that I fully intend to pursue litigation in accordance with the FCRA to enforce my right and seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 regarding your continued willful and negligent noncompliance.

Despite my previous 2 written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You
stated in your responses to my 2 dispute letters that you have verified that the items listed below are accurate, but you failed to send me copies of the documents that you used to verify these accounts as per my request. The fact that you have ignored my request to send me copies of that of the documents that you used to verify the disputed accounts like you said you did. Your failure to delete the disputed accounts that you can not verify after 2 written requests is also evidence of your Willful disregard of Federal Law.

When we go through the discovery process you will be required to produce these documents along with an affidavit swearing under oath that these are the true and correct documents that you used to verify the disputed accounts. The fact that you do not have any of the said documents in your files is proof that you did not properly verify the accounts within 30 days as required by law and Court will order you to delete them.

You say that you have reinvestigated these accounts but you have admitted that all you have done is parroted information given to you by other sources and shifted the burden back to me to contact the original creditor to verify these accounts which is clearly in violation in violation of 1681 { a } { 4 }.

I also asked you to give me the name of the person in your company who verified the accuracy of these accounts but you ignored this request as well which is another violation of Federal Law and evidence of your willful disregard of the law. 
Please be advised that under Section 611 { 5 } { A } of the FCRA-you are required to .PROMPTLY DELETE ALL INFORMATION WHICH CAN NOT BE VERIFIED. I request that you do this immediately.

The law is very clear as to the Civil liability and remedy available to me { Section 616 & amp ; 617 } if you fail to comply with Federal Law. I am a litigious consumer and fully intend on fully intend on pursuing litigation in this matter to enforce my rights under the FCRA. 
I DEMAND THAT YOU DELETE ALL OF THE ACCOUNTS LISTED BELOW IMMEDIATELY. PLEASE PROVIDE ME WITH A COPY OF AN UPDATED AND CORRECTED CREDIT REPORT SHOWING THAT THESE HAVE BEEN DELETED. 

Accounts that I didnt authorize and had no knowledge of or reporting accurately, police report and FTC report is on file, Please DELETE THEM Account Name XXXX XXXX XXXXXXXX XXXX XXXX Account Number Reason for dispute__WITHOUT EFFECTIVE CONSENT_ Account Amount_ {$7800.00}
Product: Credit card or prepaid card

I am filing a complaint against American Express Credit Card. American Express is abusing its position in the market place to encourage and assist its cardholders in committing friendly fraud. I am an XXXX. I examined  a XXXX  and charged the XXXX   {$89.00} for the XXXX XXXXXXXX Six weeks later, the XXXX  filed a chargeback because he states he did not like his glasses. He never informed my office that he was having a problem. I did not make his glasses. I only did the XXXX XXXX The XXXX signed a waiver and agreed in writing that my professional fees are not refundable. I offer a 30 day warranty where XXXX XXXX  can come back for a free recheck if they are having any problems. The XXXX  states in his chargeback complaint that he returned after 30 days because the vendor that made his glasses took too long to make the glasses. While he complains about how long it took to get his glasses from a different vendor, he is acknowledging that he missed the 30 day warranty. Yet, in his chargeback he claimed that I failed to honor my warranty. 
I sent American Express the signed refund waiver that includes the warranty. The cardholder had no evidence or proof of any kind to support his claim. I had the signed waiver. Nevertheless, American Express took {$89.00} from my checking account. When I filed a rebuttal, there was no response from American Express. I checked with my merchant services provider and they said that with AMEX, if you don't get a response within 20 days, just assume you lost your dispute with AMEX, because they don't respond. AMEX also does not allow any appeals or arbitration. American Express is out of step with industry standards. American Express is enabling and assisting what is known as friendly fraud. That's when cardholders abuse the chargeback system to steal from legitimate businesses and professionals like myself who have provided care XXXX XXXX Please contact American Express and ask them to honor the no-refund agreement XXXX XXXX XXXX signed. 
Here is the information on the dispute : Case number : XXXX XXXX : XXXX XXXX : XXXX Original transaction Transaction amount {$89.00} Invoice on XX/XX/2022Invoice : XXXX
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. 

Account Name : 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. Or a 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: Mortgage

XXXX/XXXX/17 This is a follow-up to my complaint Case number : XXXX. 
I went to my local Wells Fargo branch to make my monthly payment. The coupon states that I owe {$0.00}. Because I have been told that I ACCRUE interest to have NEGATIVE interest owing if I do not pay, I wanted to pay the interest & make a principal payment. I was unable to complete the transaction because they have no means for me to do this. In fact, although the bank official was helpful, she was unable to tell me why my last two payment, both of which I wrote ON MY CHECK AND ON MY COUPON that I was making the amount of the interest payment AND the remainder to principal, both were credited to interest. She showed me on her computer that both were credited to interest even though I called Wells Fargo and asked that the over payment go to principal and both persons I spoke to assured me that they would credit the overage to a principal payment. They simply did not do it. Now if I do not make a payment today for interest that they say I do not owe, they will say that I owe back interest. If I make a solely principal payment, they will still say that I owe back interest. Please help.
Product: Credit reporting or other personal consumer reports

The issues I have is with udrive now acceptance. I had a car loan with them that was paid off in XXXXXXXX XXXX XXXX. On my report they never changed the status to closed. I disputed it for incorrect status. Now the account is removed from my credit history all together taking my score down XXXX points. When it shouldve just been corrected to as closed. And not showing open with a balance of {$310.00} dollars like they had it.
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. 

Account Name : XXXX XXXX : Date Opened : XX/XX/XXXX And lists of unauthorized inquiries that don't have PERMISSIBLE PURPOSE to be on my credit report XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/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 : 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.