23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

I, XXXX XXXX XXXX XXXX, a natural person, am competent and of age with facts regarding the transaction herein stated, and I am currently under XXXX XXXX XXXX XXXX from NAVY FEDERAL CREDIT UNION, I affirm and state that the following are true complete and accurate to the best of my abilities and do declare the following : 1. On XX/XX/XXXX I sent a Billing error notice and refusal to pay, certified mail return receipt requested ( see EXHIBIT XXXX AND XXXX ) and requested explanation for the erroneous misrepresentation on the statement ; 2. On XX/XX/XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) claiming that The item remained unchanged from processing my dispute. This is a violation because the item failed to show that they were dispute at that time ; 3. On XXXX XXXX XXXX issued Report # XXXX for XX/XX/XXXX ( SEE EXHIBIT XXXX ) which appeared to show adverse information regarding the amounts previously refused due to irregular billing practices. The account still was not updated to show that I disputed the information until after the adverse information had been added. 

4. As of XX/XX/XXXX NAVY FEDERAL CREDIT UNION has violated my privacy and used XXXX like tactics to violate the integrity o my information, ignoring request to only communicate about my account via the U.S. mail to avoid any misunderstandings the company has ignored requests from my Attorney General Office and when I asked them to clarify what type of balance, they never tell me, it is my opinion and belief this balance is a credit balance and I have asked for refund but did not receive any valid response. 

I declare under penalty of perjury under the laws of the United States of America that the foregoing is true and correct. 
Executed on XX/XX/XXXX /s/ XXXX XXXX XXXX XXXX XXXX XXXX natural person.
Product: Debt collection

I received a billing statement stating I owe a debt for {$290.00} for creditor XXXX XXXX. The debt do not belong to me and is a fraudulent account. I am a victim of identity theft.
Product: Credit reporting or other personal consumer reports

I was a victim of identity theft. The following Information is fraud. FRAUDULENT ACCOUNTS : XXXX XXXX BALANCE : {$450.00} ACCOUNT NUMBER:XXXX Date opened - XX/XX/XXXX XXXX XXXX XXXX XXXX BALANCE : {$5000.00} ACCOUNT NUMBER - XXXX Date opened - XX/XX/XXXX SOCIAL SECURITY ADMINISTRATION BALANCE : {$000.00} ACCOUNT NUMBER : XXXX Date opened - XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been dosputing directlly with Equifax, XXXX  and XXXX   since XX/XX/2018. I understand that under 15 U.S.C. Sec. 1681i ( a ) on the Fair Credit Reporting Act that I am supposed to be provided validity of the accounts that are on my credit report. A validation in the form of from the creditor directly with some form of contract or my signature. Also who validated the debt with the company. Each time Equifax, XXXX  and XXXX send me a letter stating that it has been validated with no proof. My rights have been violated under the Fair Credit Reporting Act and I intend to move forward with a legal team under my violations, all of these accounts should be removed because I was lied to they were not validated : 01 XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX  XXXX XXXX N A -  XXXX XXXX  - XXXX XXXX XXXX - XXXX XXXX  - XXXX XXXX  XXXX XXXX - XXXX XXXX, NA - XXXX XXXX XXXX - XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX  XXXX - XXXX
Product: Bank account or service

Friday, XXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX MA XXXX XXXX. XXXX XXXX XXXX XXXXXXXXXXXX : Synchrony Financial, CARECREDIT/SYCHRONY BANK XXXX XXXX XXXX, FL XXXX : CARECREDIT/SYNCHRONY, Cardholder Name : XXXX XXXX, Account Number : XXXX XXXX XXXX XXXX, Total Interest Charged in 2015 : {$840.00}, Statement Closing Date XXXX XXXX, XXXX XXXX, hereby file a Bill Dispute. I am overtaken, to be aghast and outraged, that the Interest Charges are extremely excessive. Never have I been aware, or agreed to, the extent of Interest Charges imposed by the expiration of a Promotion Period. I am not aware that the expiration of a promotion imposed interest fees. I was first introduced to CARE CREDIT by my Dentist, XXXX XXXX XXXX. The conditions provided identified that payments made by the due date circumvented late fees and interest charges throughout the life of the loan. I am surprised that repercussions of an expired promotion were not clarified. Legally, this victimizes XXXX living on fixed income. At this magnitude, I may need to seek legal counsel for debt settlement. I am not willing, nor shall I discuss debt consolidation. Additionally, it behooves me to report this to the Federal Trade Commission, XXXX, and Consumer Advocates, for a potential class action suit legal settlement, due to conditions of excessive finance interest charges. Cardholder was informed that during the life time of loan, the only requirement was to meet monthly minimum due to defer interest and fees. Cardholder is misled. 

XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX : ( XXXX ) XXXX : Federal Trade Commission XXXX XXXX XXXX, XXXX XXXX XXXX Telephone : ( XXXX ) XXXX
Product: Vehicle loan or lease

I have an auto loan with Bridgecrest. The vehicle was involved in an accident on XX/XX/year> and was declared a total loss on XX/XX/year>. Bridgecrest was notified by my insurance company of the total loss on XX/XX/year>. My Retail Installment Contract includes a XXXX XXXX which states : " In the event of theft or damage to the Vehicle resulting in a total loss, there may be a gap between the amount due under the terms of the Contract and the sum of the actual cash value of the Vehicle ( as defined in your insurance policy if it is in effect on the date of the loss ) and any unpaid amounts under the Contract that accrued prior to the date of the loss as a result of your failure to fulfill the obligations under the Contract ( the 'Gap Amount ' ). We hereby waive our ability to recover any Gap Amount in the event of theft or physical damage to the Vehicle that results in a total loss. You will not be liable for the Gap Amount, as described, in the event of a total loss due to theft or physical damage to the Vehicle. '' Bridgecrest received the payout from my insurance company on XX/XX/year>, which satisfied the terms of my contract in full. When I contacted Bridgecrest on XX/XX/year> requesting a Loan Satisfaction Letter, I was informed that I would need to wait an additional XXXX business days for the payment to clear. Since my next payment is due before the XXXX business day, I requested that payments be suspended and confirmation be provided in writing. Bridgecrest declined to provide written confirmation, stating that the phone line was being recorded and they were assuring me there would be no impact on my credit if autopay was turned off. They claimed that they could only provide " form letters '' and were not permitted to send personalized correspondences. 

According to the terms of my XXXX XXXX, all payments should have been suspended at the very least on the day Bridgecrest was notified of the total loss, XX/XX/year>. Refusing to suspend the payment and provide written confirmation constitutes an unfair and unreasonable business practice.
Product: Debt collection

I filed a complaint XXXX with cfpb against Shellpoint Mortgage Servicing. They did respond and asked me to call XXXX XXXX at XXXX with any questions. I called 3 times and left 3 messages also there was no Email provided by them. They never responded.

I only have 3 questions to ask them. 

Do they have transcripts of the phone conversations made in their response? We requested that during these calls be recorded. Can they provide us with these transcripts. 

Did they ever commutate with us about confirming our home address during this time period? All their correspondence was delivered to the wrong address past the forwarding period by the USPS. 

Why was their law firm able to deliver al our summonses about the foreclosure to the correct address?. 

These actions on the follow-up of this complaint is typical of all our communication with Shellpoint.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Phone : XXXX Email : XXXX XX/XX/2025 Subject : Dispute of Unauthorized Inquiries Under the Fair Credit Reporting Act ( FCRA ) and U.S. Code Laws I am writing to formally dispute the unauthorized inquiries that appear on my credit report. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, I have the right to dispute inaccurate or unauthorized information on my credit report. I recently obtained a copy of my credit report and discovered inquiries on my credit report.

I do not recall authorizing these inquiries, and I request that they be removed from my credit report immediately. According to 15 U.S.C. 1681b, a company must have my express written permission or a permissible purpose to conduct a hard inquiry on my credit report. If the listed companies can not provide documented proof that I authorized these inquiries, they must be deleted promptly in accordance with 15 U.S.C. 1681i, which mandates the reinvestigation of disputed information.

Please conduct an investigation into these inquiries and provide me with written confirmation of the results. If these inquiries are found to be unauthorized, I expect their removal from my credit report. Additionally, please provide me with an updated copy of my credit report reflecting these changes.

I have attached a copy of my identification and proof of address for verification purposes. Please process my request in accordance with FCRA regulations and notify me of the resolution within 30 days as required under 15 U.S.C. 1681i ( a ). 

Thank you for your prompt attention to this matter. I look forward to your response. 

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

XXXX. Bank XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. SYNCB/PAYPAL XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX XXXX XX/XX/XXXX All inquiries from EXPERIAN
Product: Credit reporting or other personal consumer reports

I hope this message finds you well. I am writing to express my deep concern and disappointment regarding the persistent presence of fraudulent items despite our repeated attempts to address the issue. As we embark on the multiple attempts to rectify this situation, it is imperative that we take decisive action to eradicate these fraudulent activities. 

Despite the resources and efforts allocated to identify and remove these items, it is disheartening to see that they continue to infiltrate our system. 

I urge you to conduct a thorough investigation into the root causes of these persistent fraud occurrences. It is essential that we identify any vulnerabilities or loopholes in our processes and systems that may be exploited by those engaging in fraudulent activities. Furthermore, I recommend implementing robust controls and enhanced monitoring mechanisms to prevent the recurrence of such incidents in the future. 

Failure to effectively address the issue of fraudulent items not only jeopardizes our organization 's reputation but also undermines the trust and confidence of our customers and partners. With this, I am asking for your assistance to remove these fraud items in my credit file : 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 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 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
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 violate the Consumer Financial Protection Act ( CFPA ). Specifically, Cash App failed to take timely and effective measures to prevent andaddress fraud on their platform, leaving myaccount vulnerable and unprotected.

Furthermore, their dispute resolution procet was unfair and deceptive, as they did not comply with error resolution requirements under the Electronic Fund Transfer Act ( EFTA ) and Regulation E. These actions have caused significant inconvenience and financial loss, and I seek appropriate redress for these violations.
Product: Debt collection

And they keep calling from a number that is listed as a normal private home landline, no right to dispute, they do not identify themselves and call after hours and on sundays
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 


15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions I have inquiries that I didn't authorized also 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 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
Product: Credit reporting or other personal consumer reports

Complaint Against XXXX, XXXX, and TransUnion for Non-Response to Dispute Letters and Violation of FCRA Dear Sir or Madam, I am writing to file a formal complaint against the XXXX major credit reporting agenciesExperian, XXXX, and TransUniondue to their failure to respond and delete the inaccurate collections accounts to multiple dispute letters I have sent and their ongoing non-compliance with the Fair Credit Reporting Act ( FCRA ). 
XXXX. **Nature of the Complaint : ** - I have submitted XXXX separate dispute letters over the past year to each credit bureauXXXX XXXX XXXX and TransUnionregarding inaccuracies in my credit report, specifically related to multiple collection accounts that I believe have been wrongly reported. 
- The dates of these letters are as follows : - First letter : [ Date of first XXXX 2024 ] - Second letter : [ Date of second XXXX ] - Third letter : [ Date of third XXXX ] - Despite my repeated attempts and providing necessary documentation, I have not received any substantive response from any of the bureaus. Nor have there been any corrections made to the inaccuracies reported on my credit file. 

2. **Legal Grounds : ** - According to Section 611 of the FCRA, these agencies are mandated to conduct a reasonable investigation of the items in dispute, typically within 30 days of receiving a dispute. Failure to do so is a direct violation of federal law.

- Additionally, under Section 623 of the FCRA, furnishers of information are required to provide accurate and complete information to credit reporting agencies.
Product: Mortgage

Ocwen has a Hamp that was submitted by a Housing Counselor since XX/XX/XXXX. Homeowner was approved for a Trial Mod and due to XXXX and XXXX She did not make her 1st payment but Funds were paid by the 3rd trial due date and returned to the Housing Retention Program. Since approved trial modification the homeowners income improved with XXXX and Contribution. The lender not only has not made a decision, they have just recently asked for a new packet for it being outdated, I submitted on XXXX/XXXX/XXXX. I have asked for status updates and they have asked for a XXXX page that included her Name, Phone number, Social and if her intention is to keep or sell the property, information they have had on file since a minimum of XX/XX/XXXX. The ongoing strain of the homeowner health and the thought that she may loose the home she has lived in since XX/XX/XXXX is causing a decline in her health.
Product: Mortgage

I applied for a loan modification in XXXX. It took two years to complete because Wells Fargo did not read the faxes I submitted. This cost me thousands of dollars that was added to my VA financed loan. The modification was finally approved in XXXX XXXX. This placed my home up for foreclosure. I started payments in XXXX XXXX where Wells Fargo continued with the foreclosure my home was foreclosed on. The proof is public record in XXXX County Fl. I have been trying to get my home deeded back into my name so that it will be affordable since XXXX when I found out it was no longer deeded in my name due to a foreclosure in XXXX XXXX. Wells fargo has taken payments and no one knows how to get the deed titled in my name again. Because I am a XXXX veteran I am due tax breaks that would reduce my mortgage payments drastically and Wells Fargo, who is known to have defaulted and not worked with VA backed loans illegally still will not have my home deeded in my name. If I pay this home off tomorrow it will not belong to me. No one at wells fargo seems to think that my home was ever foreclosed on and does n't know where to send me to get it titled in my name. This is costing me more money. If I default on this loan I will be a homeless veteran with a child. Due to Wells fargo refusing to assist in this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was denied credit by lender XXXX XXXX. My XXXX  score is XXXX. But, XXXX XXXX XXXX was also contacted as a CRA by the lender, and it reports " delinquencies '' ( I have none ) and gives me a score of XXXX. XXXX XXXX XXXX also notes " limited history for this phone. '' I am XXXX years old and have had credit history for about 45 years, and have had all of my phone numbers for many years. XXXX also says " proportion of satisfactory trades too low. '' I make no trades that I am aware of. I called the number on my denial notice but only get a recording at XXXX. I left voicemail but not optimistic. So I'm wrongly denied credit because of XXXX. I also reviewed their website, and they require me to mail them my SSN and other information, and copy of my ID, just to get a report from them so I can dispute it..
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX  XXXX  Account # XXXX, XXXX XXXX XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX Account # 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: Debt collection

I received a Letter from Financial Asset Management System, XXXX XXXX. XXXX  XXXX. XXXX, GA XXXX with a Contact # XXXX. Dated XX/XX/20. 
CREDITOR : XXXX ID NUMBER XXXX {$1900.00}, with a PRINCIPAL {$70000.00}, OTHER CHARGES {$40.00}, TOTAL {$72000.00}. Listed on the Letter is a XXXX XXXX, Vice President of Operations @ XXXX. I have requested for the Umpteenth time to be Released as Co-signer from all Loans.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received notification from XXXX that I have a new credit card w/ Destiny Master Card. 
I contacted XXXX and told them I never applied for a new credit card. Today I received A bill from Destiny stating I owe {$59.00}. I never applied for this card. I need to know that this inquiry and credit card will be removed from My credit file.
Product: Debt collection

Repeated calls to cell phone and repeated letters after being notified of representation. 

All of my original creditors have been notified by phone and in writing that I am being represented by an attorney both by telephone and by letter. The fact that I am being represented by an attorney does not vanish because the debt is purchased or transferred. If this firm purchased my debt, or even if they are just managing my debt, then this firm also has access to the records of my debt and has knowledge of my attorney representation prior to taking ownership of my debt. 

This firm has also been individually notified that I am being represented by an attorney.
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I initiated an ACH Transfer from XXXX XXXX XXXX  to TD Bank from my computer for {$5000.00}. I unfortunately had my old TD Bank account number so it never went thru. I contacted XXXX XXXX XXXX  the next day when I realized what happened. They said there was nothing they could do so I contacted TD Bank. No less than 5 times they told me that there was no active account to the number I gave them and it would get kicked back and returned to XXXX XXXX. After several conversations of XXXX XXXX trying to help me, they initiated a three way call on XX/XX/XXXX. It was agreed on that call that XXXX XXXX would need to issue a ACH Recall and we did that. I have followed up with TD and XXXX XXXX. XXXX XXXX is only one trying to help. They are following up with TD Bank almost every day and get no response and struggling with TD Bank to get them the trace number. So TD Bank has had my {$5000.00} ( which is significant to me and my family ) since XX/XX/XXXX. This is abusive from them and I have checking account and mortgage with them.
Product: Credit reporting, credit repair services, or other personal consumer reports

I opened a Citibank card in  XXXX  of  2017 . Upon reviewing my hard inquiries, they did  two  credit checks on   XXXX   /17    - one with   XXXX   and  one  with  XXXX . I was told that there would be  one  hard inquiry in order to open up a credit card with them, so a second inquiry must have been done in error. I need this pulled.