23daVinci/CFPB_Complaints huggingface dataset:
Product: Payday loan, title loan, or personal loan

On XX/XX/18, I contacted Navy Federal Credit Union and spoke to XXXX, Consumer Loan department. I inquired about my personal loan and why I was being charged {$29.00} fee assess since XX/XX/2018, which I wasn't aware of. XXXX was not able to assist me and he talked hastily and was discourteous. I was very dissatisfied with his service, and told him that I wanted to speak to his supervisor and was going to write a complaint against him. He said, that's okay, go and make a complaint on me, and you should wait 3-5 minutes to talk to my supervisor. I then spoke to XXXX, Supervisor, Consumer Loan about why I was being charged {$29.00} which I was not aware of and there were times that I would contact Navy Federal Credit Union to inform them of my payments due to direct deposits received from my pensions since I am a XXXX veteran, retiree and on a fixed income. I also asked whether Navy Federal credit union has a grace period less than 10 day. She informed me that there are no grace period on loans which I was not aware of. She apologized that I was not informed about that. She informed me that XXXX XXXX XXXX does not guarantee grace period on loans. I was charged the following : XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adj, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18 ; increased balance adjustment, XX/XX/18, {$29.00} ; XX/XX/18, fee assessment, {$29.00} ; XX/XX/18, increased balance adjustment, {$29.00}. I informed XXXX that Navy Federal Credit Union has been overcharging me and I didn't received any notice of such fees. In addition, I inquired about my credit card loan, which was paid on XX/XX/18 in the amount of {$360.00}, and she informed me that she didn't see any payment come through and ask how I paid it. I informed her that I walked into the bank and made a payment on XX/XX/18. She misled me in notifying that my credit card payment was not paid for the month of XXXX. I was not satisfied with her information. My husband and I are both senior citizens and XXXX veteran, retirees, and on fixed incomes. We've been with Navy Federal Credit Union for approximately five ( 5 ) years, and sometimes receive lousy customer service.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked this company for a investigation on items that was previously disputed I was never provided any results by mail as I asked for in my investigation I attached proof that I asked this company for proof of the outcome of my investigation and it was never received. I consulted a attorney and asked what should I do I was advised to get a police report and ask for a investigation I did that and had yet to here back. I provided this company with police report number and letter that I received from my local police department and a FTC report and my identification card. When I contacted this company to notified them that I sent this certified mail the company denied ever receiving this information so now I'm filing a complaint because this isn't right and other people should know how they are treating people that are regular American citizens that XXXX  this country and was robbed my identity from theft and because this company make money off of people having as many account on there credit report good bad or even if they are destroying your life and your financial freedom I will get justice and I will file a law suit pending the outcome of this complaint. Thanks again
Product: Credit reporting or other personal consumer reports

I have filed several disputes with Equifax due to me being a victim of identity theft and human trafficking, I have several items being reported on my credit in which they do not belong to me!! I have sent Equifax police reports and FTC reports, and they still will not remove the inaccurate information from my report!! 

The following information is incorrect : Addresses- XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX XXXX XXXX XXXX XXXX oh XXXX Collections- XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Product: Student loan

I received a mail from the US Department of Education stating that me loan has been discharged as shown in the attachment, if Mohela have alternative information that contradicts this please provide it. Otherwise please update the account.
Product: Credit reporting, credit repair services, or other personal consumer reports

THIS IS MY FINAL ATTEMPT TO RESOLVE THIS ISSUE AMICABLY AND OUT OF COURT! YOU PREVIOUSLY IGNORED MY INVOICE SENT CERTIFIED USPS MAIL ( TRACKING # : XXXX ). FIRST AND FOREMOST IVE NEVER DONE A TRANSACTION WITH TRANSWORLD SYSTEMS INC. SO ANY ALLEGATIONS ARE A DIRECT VIOLATION OF MY RIGHTS PURSUANT TO FEDERAL LAW. TRANSWORLD SYSTEMS INC. HAS NO EVIDENCE OF ANY ALLEGED INDEBTEDNESS. ITS IMPOSSIBLE! IF YOU DO HAVE ANY ALLEGED AGREEMENT ITS NULL/VOID BECAUSE THE PERTINENT FACTS OF THE MATTER WERE NOT SET FORTH CLEARLY, CONSPICUOUSLY, OR REASONABLY. THAT MAKES IT IMPOSSIBLE FOR ME TO UNDERSTAND ANY ALLEGATIONS YOU ARE ALLEGING. I NEVER RECEIVED ADEQUATE NOTICE PLUS TRANSWORLD SYSTEMS INC. KNOWINGLY AND PURPOSEFULLY ENGAGED IN THE UNLAWFUL USE OF MY CREDIT CARD ( SSN ) PURSUANT TO 15 USC 1602. WHICH IS ALSO AGGRAVATED IDENTITY THEFT. TRANSWORLD SYSTEMS INC. REPORTING FALSE ALLEGATIONS TO 3RD PARTIES ( CREDIT BUREAUS ) IS ALSO A VIOLATION OF MY FEDERAL RIGHTS. IVE BEEN DENIED EXTENSIONS OF MY OWN CREDIT IN EXCESS OF WELL OVER {$100000.00} ( ONE HUNDRED THOUSAND DOLLARS ), AND EXPERIENCED UNNECESSARY PAIN AND HARDSHIPS AS A RESULT OF THERE INTENTIONAL NEGLIGENCE AND DEFAMATION OF MY CHARACTER.
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX XXXX was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on XXXX. 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 DAYS 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 XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX days before the payment due date. XXXX XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX days before the payment due date and this information was requested in good faith pursuant rule XXXX 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: Payday loan, title loan, personal loan, or advance loan

On XX/XX/XXXX I requested to borrow {$120.00}. My account had {$460.00} in it at the time and only increased to {$560.00}. I was given {$100.00} instead instead.of the {$120.00}. The loan amount paperwork reflected asnthough CashApp provided me the full {$120.00} amount with additional fees to pay back. I contacted CashApp regarding this matter they talk amount everything else but the issue I have.
Product: Credit reporting or other personal consumer reports

unfortunately, l am a victim of XXXX XXXX XXXXXXXX XXXX XXXX. I have made the company aware of this there are a multitude of accounts on my consumer file as a result of this. per the law they should be removed atter I supply proof of who l am as well as a victim determination letter according to 1022.142 ( b ) ( 6 )
Product: Credit reporting or other personal consumer reports

To : Bank Of America , N.A . I write to advise you that I plan to file a lawsuit against you in the United States District Court Middle District of Florida Orlando Division due to your multiple and ongoing willful violations of the FCRA and FDCPA. I need you to provide me with a list of options and preferred options to have the Summons and Complaint served upon you. Please advise me of your registered agent name, address and phone number for service of process in Florida AND all branches, offices, agents, attorneys or representatives in XXXX XXXX, Florida and in any other counties in Florida who can and are authorized to accept service of process. Moreover, after filing a lawsuit, I plan to send you a Notice of a lawsuit and request to waive service of a summons to reduce costs of service and provide you with additional time to respond. This may provide you with additional time to respond, instead of 20 days. For your convenience, please provide me with your preferred address to send such Notice with the Complaint, such as your Legal Department. Local Rules of the XXXX XXXX XXXX XXXX Florida require your counsel to confer with me before filing even routine motions to ascertain whether I oppose or unoppose a motion. If your counsel files a Notice of Appearance before a Clerks Default is applied for and needs an enlargement of time to file responsive pleadings, you may file a copy of this document representing to the Court that I do not oppose up to a 30 day enlargement of time to file responsive pleading to comply with the Rules obligation to confer. However, If you do not provide me with the information requested above and you are properly served with a Summons and Complaint, I will promptly at the earliest date possible file an application for a Clerks Default and a Motion for a Default Judgment.
Product: Credit card

This is a second follow up to complaint XXXX. After filing my complaint through the portal and submitting additional information about violations of law, I have been contacted by XXXX Bank employees, however, neither will return my call. I am attaching the proposed Class Action Compliant that I intend to file in the U.S. District Court for the Northern District of Illinois on XX/XX/year>. Bank of America can't continue to hold funds hostage and give people the runaround. Once again, in the interest of full transparency, I am a XXXX XXXX XXXX XXXX with XXXX years of experience in this field, including XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally address a matter of noncompliance by the credit bureau concerning an account currently subject to litigation. In accordance with established legal precedents and applicable codes, specifically the doctrine of estoppel by silence as articulated in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the absence of evidence or substantiation for the alleged debt permits the presumption that no such debt exists.

To date, the bureau has neither removed the disputed item from my credit report nor conducted any meaningful investigation to substantiate its position. This lack of action fails to satisfy the obligations imposed by law. 

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

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

LVNV has refused to respond to my request for verification and validation of this alleged debt. I have sent numerous letters and no response. I am demanding a response as well as cease all collection attempts and immediately remove this alleged account from my consumer reports. I am a federally protected consumer and LVNV is in direct violation of my rights. PLEASE SEE ENCLOSED NOTICE OF DISPUTE
Product: Credit reporting, credit repair services, or other personal consumer reports

Failed to send consumer report and initiate security freeze after verification was sent
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX is reporting an accident on XX/XX/2017 that I am not responsible for and was ruled in court that I am not responsible and was thrown out. I want this removed.
Product: Checking or savings account

My first XXXX started on XX/XX/year>, since this checking account was blocked for XXXX weeks when I tried to initiate the transfer from my external accounts. This practice is unfair to me as my XX/XX/XXXX XXXX can't be deposited into the checking account due to being blocked.
Product: Credit reporting or other personal consumer reports

Dear Experian, I am requesting that you provide information on how XXXX XXXX XXXX XXXX ( XXXX ) has been verified on my credit report within the next 15 calendar days. If the information is unavailable, please remove the account immediately.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX 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
Product: Credit reporting, credit repair services, or other personal consumer reports

The following accounts are incorrect, and they are adversely affecting my livelihood. 

XXXXXXXX XXXX XXXX XXXX XXXX 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

Upon reviewing my consumers report i stumbled upon a few accounts listed that do not belong to me. I have never given these companies my information whatsoever. Here are the accounts below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit card or prepaid card

I traveled to XXXX XXXX XX/XX/2022 - XX/XX/2022. 
XX/XX/2022 while in XXXX- I received alerts from my bank about several credit inquiries. I did not personally make any inquiries. 
Upon return to America, I called all 3 credit bureaus ( XXXX, XXXX, XXXX ) and froze all accounts. I requested credit reports. 
I discovered 5 accounts that were opened under my name and credit and had outstanding charges. I did not open these accounts. These are not cards that can be used anywhere, They are all store credit cards. The accounts are closed but still on my credit reports. The accounts are all now in default. 

XXXX XXXX # XXXX opened XX/XX/2022 amount charged {$3700.00}. credit limit {$4000.00} XXXX account # XXXX opened XX/XX/2022 amount charged {$3400.00}. credit limit {$6000.00} XXXX XXXX account opened XX/XX/2022 amount charged {$890.00}. credit limit {$1000.00} XXXX XXXX account # XXXX opened XXXX, 2022 amount charged {$1800.00}. credit limit {$2000.00} XXXX XXXX # XXXX opened XXXX, 2022 amount charged {$6300.00} I have also received mail from multiple other companies ( XXXX, XXXX 's XXXX XXXX, XXXXXXXX XXXX ) informing me that I have been declined a credit card. 

I have filed a police report for identity theft. 
I have filed a complaint on identitytheft.gov
Product: Mortgage

My wife and I were approved for a loan and scheduled to close on Monday XX/XX/2020. We signed closing disclosures docs on Thursday, XX/XX/2020. On Friday, the closing attorney contacted me and said they hadn't received the closing package from the bank and couldn't schedule the close until they did. We tentatively set XXXX XXXX  until the package was received as the time to close on Monday. When Monday came, the attorney called as well as the homeowners policy agent regarding the closing. I had told everyone including the seller 's attorney and seller 's agent the loan would close Monday. My loan officer sent an email on Thursday confirming this. On Monday, I called the bank. They said they were still working on it. My wife and I were hopeful it was just because the bank was busy. On Tuesday, the same issue occurred with higher frustration from everyone. When I finally got someone from the bank on the phone, they said my wife 's income was no longer valid as part of the application because she took maternity leave from her part time job. She is still working at her primary position and the only one used for the mortgage application because of qualifying factors.
Product: Checking or savings account

I met with XXXX at the Prosperity bank on XXXX XXXX. I've been a customer of this bank since it took over XXXX XXXX. I was with XXXX XXXX for many years. I am a XXXX  and had all of my XXXX XXXX deposits made at this bank. 

The check was from a XXXX XXXX in Minnesota. I sent all of the documentation showing it was a legitimate transaction and XXXX sent all of this information to their Legal department, including a Power of Attorney. 

XXXX told me I needed to get my son to sign the check and put his thumb print on it. My son had recently moved to XXXX. I sent the check to him overnight through XXXX XXXX with a return envelope -- which cost me almost {$500.00}. It took six weeks for the check to get to XXXX and then get returned to me. 

I met with XXXX again. He made a copy of both sides of the check. He said he was sending to his Legal department and would get back to me the next day. The next day he was not in the office. 

I dropped by the following day, waited almost a half an hour, and he came out of his office finally and told me very flippantly that legal did not approve -- after running the checks all over the place and the long wait. 

Then I tried talking to XXXX XXXX, she hung up on me because I got upset. The words she used only infuriated me and brought this situation to a point of escalation.
Product: Payday loan, title loan, or personal loan

Im submitting this on behalf of my claim of financial deceptive of myself and my XXXXyo elderly mom. My mom, Mrs XXXX, XXXX Illinois took $ XXXX loan 2 years ago at OneMainFinancial, XXXX XXXX, XXXX, IL It was rewrotten twice, {$1500.00} and {$2500.00} for a total of $ XXXX to pay property taxes and a few home repairs. She understood these amounts would be added on she is on SSN, $ XXXX month fixed income. What appears to have happened is each time the loan was rewritten interest was added as principal thus paying 24.99 % interest on interest x3. I understand her wanting to maintain her independence but now with the payments so high she cant afford to live in the very house she told loans out to pay taxes on. Shes kept tract and paid back almost {$6.00} with a bill that says remaining balance {$12000.00} AND interest continues to accumulate. She did not understand adding on included unpaid high interest, she would not have agreed to that had she understood what the total payback payments would be. How is this not unfair deceptive unethical elder abuse/extortion? She is the involved party but I am filing the complaint that she was taken advantage of and a victim
Product: Mortgage

I received message that Navy FederaXXXX had denied my application, XX/XX/XXXX, after receiving an pre-approval from XXXX XXXX. It was verbally advised because of XXXX XXXX more than 7 years ago, Navy Federal is refusing to accept any type of loan as me being on the account for a loan. I was told if I want to pay the debt, I could, but we were at an impasse. Not allowed credit is permanently affixed to me credit worthiness, no matter what. I was further advised today and yesterday to call charge/off bankruptcy department, XXXX. I spoke to two different people. The last person stated even if I paid on the accounts loan and credit card, I would not be granted any services. He told me that they were permanent affix and time would not change the status. I explained my military XXXX had caused an interruption. I lost a lot but I had no problem back then XXXX, I was blocked out of my account. When I attempted to pay I was rerouted to collections. I was forced to add Navy Federal to my bankruptcy. Now to present day customer service in mortgage and bankruptcy department verbally stated if I wanted a job there I would not be allowed because of my XXXX  from over 7 years ago. I take issue with this as a federal employee who have been told these rules can interrupt my federal career goal, that is already tough to advance in for an XXXX XXXX like myself. All because I was then and XXXX due to my military service which has recently been rated as 100 % total and permanent XXXX. That to me is discrimination, due to me being a XXXX veteran.
Product: Credit reporting, credit repair services, or other personal consumer reports

One numerous attempts I have sought explanation from Macys about an amount owed. They never told me how they arrived at the amount only that I owed it. I spoke with someone in the recovery dept who told me that there were charges to be found to qualify the amount due. Fast forward to XX/XX/XXXX, I received a XXXX from Macys cancelling my debt for the amount of {$1100.00} on XXXX XXXX. I submitted this document to XXXX as well as XXXX. When XXXX  reached out to Macys / Citibank, they acknowledged the form but have continued to report this amount as a charge off and amount due. If they cancelled the debt in XXXX of XXXX, how is it that they can continue to report this as a charge off and report it to the bureau?!
Product: Checking or savings account

Good afternoon I'm XXXX XXXX, today at XXXX I was contacted by a XXXX user whose name is XXXX XXXX XXXX negotiate the purchase of my musical instrument whose fixed price is {$750.00}. He sent me {$750.00} receiving an email from XXXX telling me that the receiving limit was {$500.00} and to unlock the limit I would have to ask the buyer for an additional {$250.00}, he sent it to me. At that point a further email from XXXX tells me that to collect the {$750.00} I would have had to send the {$250.00} to the buyer : in the end the {$250.00} was withdrawn from my account but I never received the {$750.00} that was due to me and only later did I realize that the emails were from a fraudulent site that cloned XXXX... I asked my bank promptly to cancel the transaction, but they told me that I have to wait until the transaction is pending and then dispute the transaction warning me, however, that it will be difficult for me to get hold of my money. 
This user 's profile is still active ( XXXX XXXX ) and the email he used to collect money via XXXX is XXXX XXXX User : XXXX XXXX. 
I hope for your help especially for the fact that it is not right for these people to commit fraud against people and go unpunished! 
I am attaching the whole screenshot conversation that the scammer shared on XXXX with my wife.
Product: Debt collection

A cease and desist order was submitted to Resurgent Capital Services L.P./LVNV Funding LLC . According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX a consumer report is a medium of communication and thus subject to cease and desist requirements.