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

Investors bank was taken over by citizens bank My direct desposits pay was cancelled See attached Your bank has re-routed the direct deposit as a courtesy however ; please keep in mind your direct deposit set up is currently cancelled. We'll need you to fax or email a voided personal check with the updated routing number. If you do not have a personal check with the updated information, please have a bank representative provide you a typed letter ( on bank letter head ) or bank direct deposit form which should include your name, routing & account numbers, and type of account ( checking or savings ). 
We require supporting documentation from you before updating your direct deposit information. 
A secure link will follow for you to attach the information I contacted citizens because they never provided checks they never provided any if the things needed to keep the direct deposits payroll working The representives that answered the phones ( hang up me ) say I dont need this documentation that it should just go thew. That no one besides me is having this issue. 
As you can see they were given three options. 
I ordered checks but they are going to take time to get to me. 
I was told that they will nit supply a letter I was told that they will send a deposit slip but that it would be put in regular mail which is bulked shipped out after it is weight They do not care if I get my money These banking institutions should be held liable for the fraud they committe on the customers Also there log into yo the account doesnt even use special characters only=numbervand letters This is so outdated and unsafe no one knows this information till after the bank takes over all the paper work we get says everything will transition over easy Nothing easy about these transactions Ive been threw at least 4 in the last couple years Im waiting for the regional manager to contact me but Ive been waiting over 5 hours. And of course no response. Im attaching a text chain that I have with the last regional manager XXXX. He was the regional manager Only supplied the first name no phone number after numerous times asking for a full name and phone number Ive been waiting for XXXX new regional manager XXXX
Product: Credit card or prepaid card

On XX/XX/2022, a fraudulent credit card was applied for with XXXX XXXX via Bank of America. XXXX issued a fraud alert while XXXX released my credit to BOA who then issued a credit card. I received emailed alerts, contacted BOA and closed the recently opened account. I have placed fraud alerts with all XXXX agencies.
Product: Payday loan, title loan, personal loan, or advance loan

Subject : Follow-Up Complaint Regarding Navy Federal Credit Unions Handling of My Account To Whom It May Concern, This is a formal follow-up complaint regarding Navy Federal Credit Unions handling of my account and their recent communication following my filing of a complaint with the Consumer Financial Protection Bureau ( CFPB ) . I wish to address several critical issues in detail : 1. Lack of Communication Prior to the CFPB Complaint Despite being on account restriction for an extended period, Navy Federal Credit Union never initiated contact to address my concerns.

I sent numerous correspondences, including emails and written letters, requesting assistance, yet received no resolution or even acknowledgment until I filed the CFPB complaint. 
The sudden urgency and outreach following my CFPB complaint appear retaliatory, given the lack of prior responsiveness.

2. Inappropriate and Unprofessional Behavior During several calls with Navy Federal representatives, I was disrespected, hung up on, and even cussed at.

These interactions were deeply unprofessional and caused significant distress.

I am concerned that Navy Federal may selectively submit only the recorded calls favorable to their position while withholding those showcasing the improper treatment I endured. 

XXXX. Questionable Motivations Behind Recent Contact On Friday, XX/XX/year>, I received a call from a Navy Federal representative. They : Suggested I withdraw my CFPB complaint.

Claimed they were desperate to speak with me.

Mentioned sending a check and resolving the issuean offer that has never been extended prior to my CFPB filing.

These actions suggest that Navy Federals intent is not to resolve my long-standing concerns but to influence the CFPB investigation by appearing cooperative at this late stage. 

XXXX. Ongoing Issues with Account Restriction The restrictions on my account remain unjustified and unresolved. 
The lack of transparency and accountability from Navy Federal has further compounded my frustration and inconvenience, especially during the holiday season.

5. Retaliatory Behavior I strongly believe that Navy Federals recent actions are retaliatory in nature. Their sudden willingness to engage after my CFPB filing indicates that their priority is damage control rather than addressing my legitimate grievances.

Requested Action : 1. I request the CFPB investigate Navy Federals retaliatory behavior and lack of proper customer service prior to my complaint. 
XXXX. I ask for all recorded calls, including those where I was mistreated, to be submitted for review. 
XXXX. I seek resolution of my account restriction and a formal apology for the unprofessional treatment I received. 

Thank you for your attention to this matter. I trust that the CFPB will ensure Navy Federal is held accountable for their actions. 

Sincerely, XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX, LA XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I was told I could not buy a house because I had a bad debt on my credit. I did not know what the debt was for as I have paid all my bills on time. After looking at the credit report I found something from XXXX XXXX saying I owed a big debt, I didn't owe them anything and so I sent a dispute to the credit agencies ( XXXX, TransUnion and XXXX ). A few months later I had gotten notice that another account for the same thing was put on my report. This new account had different information about the amount and the dates, so I knew it must be fraud. I completed an Identity Theft form and sent it to the credit agencies ( XXXX, TransUnion and XXXX ). Everyone except XXXX has removed both of these collections so I am not sure why XXXX is not doing it. They need to remove it because I do not owe XXXX XXXX and I don't have any idea why they have put 2 accounts on my credit report when I don't owe them anything. They are a fraudulent company and they should not be doing business like this. This is ridiculous and I have been working for almost a year now trying to clean my name and XXXX is not doing their job.
Product: Credit reporting

My wife and I applied to Equifax for our free annual credit report, the last XXXX received was on XXXX XXXX, 2014. In both cases, we were told ( online ) that we could not receive the report online but would have to submit voluminous information by mail to receive the reports. This has happened many time in prior years, only from Equifax , never from XXXX. I have not tried to contact Equifax by phone because, from prior experience, it 's is very difficult to get anyone at their organization to expedite a correction to their policies.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am not liable for this debt with XXXX XXXX XXXX XXXX XX/XX/2023. I do not have a contract with the XXXX XXXXXXXX XXXX account, they did not provide me with the original contract as requested.
Product: Credit reporting, credit repair services, or other personal consumer reports

Good evening, I am XXXX XXXX XXXX XXXX XXXX a federally protected consumer. Pursuant to section 605B of the Fair Credit Reporting Act, I am requesting Equifax block and remove all that I mentioned in my FTC Identity Theft report and circled in RED on the consumer report I got from Equifax on XX/XX/2022. I have provided everything section 605B has stated I needed to block and remove items as a result of identity theft.
Product: Credit reporting or other personal consumer reports

I recently received a copy of my credit report and noticed that there are unauthorized inquiries on it. This has hurt my chances of applying for a new credit. I demand that you remove the following inquiries immediately. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX
Product: Debt collection

XX/XX/2020 {$1000.00} spam calls all day non stop
Product: Debt collection

I have never lived in XXXX XXXX and this company has popped up on my credit report as a debt. But only on my XXXX report. I have no purchase agreement with this company and they have not sent or provided anything Ive requested.
Product: Credit reporting or other personal consumer reports

Dear Equifax : This letter is in response to your recent claim that XXXX XXXX  FINANCIAL has verified that I have an unpaid debt with them. XXXX XXXX  FINANCIAL has entered their information on my consumer report without sending correspondence in the mail for me to dispute the alleged debt before it was inserted. Why would you allow this? Yet again, you have failed to provide me with a copy of any viable evidence submitted by these companies. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested, to be provided within fifteen ( XXXX ) days of the completion of your re-investigation. Additionally, please provide the name, address, and telephone number of each person contacted at XXXX XXXX  XXXX  regarding this alleged account. I am formally requesting a copy of any documents provided by XXXX XXXX XXXX bearing my wet signature, showing that I have a legally binding contractual obligation to pay them. A customer service representative looking at their computer screen, seeing my name listed in their database is NOT verification or validation of any alleged debt. Be aware that I am making a final goodwill attempt to have you clear up this matter. These listed items are entirely inaccurate, fraudulent, incomplete, and represents a very serious error in your reporting. Failure to comply with federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC, and your state Attorney General 's office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature will result in a small claims action against your company. I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act. This alleged debt should have never been inserted on my consumer report.
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is violating the FCRA Laws put in place for consumers dealing with fraud on my credit report. I have sent a Police report with my affidavit, and they refuse to investigate and remove this fraud off my credit report. They are the only bureau that is reporting these errors on my report that is hurting my ability to get credit.
Product: Payday loan, title loan, or personal loan

After obtaining the loan I had issues arise that caused me to change bank accounts. I have not yet faxed ( as that is the required method per the customer service rep ) my new banking information in. Last month I called and set up a payment to be processed and at that time asked that for any collection activity on my account they do not contact me on my work number. 

This morning I received a phone call from the collection department coming from the number XXXX XXXX XXXX XXXX XXXX on my work number. When speaking with them they stated that there were not any notes on the account indicating that I had asked for my work number not to be contacted, even though the last time I spoke with them they said they notated the account. At the start of the call they state that this is an attempt from a debt collector to collect a debt. This statement binds them to the FDCPA, which contacting me at work after I asked them not to is a violation. 

A second issue has occurred as well. When I viewed my loan online to set up an arrangement for payment I am provided with a link to use. Using that link requires a creation of an account, which I went through the first process of. Within two hours of going through that process I began receiving spam emails, texts, and phone calls. A total of 6 calls on Monday and 6 calls on Tuesday. Either my information has been sold or there is a sever data breach on their website.
Product: Credit reporting or other personal consumer reports

back in XXXX  and XXXX  The DEPT OF ED/XXXX  started to reporting inaccurate Information on my credit report I've made numerous request for the to remove these inaccurate Information on my report and nothing I also ask the to send me proof that they send me a letter stating my account was going to be late, this company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports. also I've paid off two of this accounts and its still reporting inaccurate on my credit report I would like for them to remove these inaccurate report on my credit report..
Product: Debt collection

This debt has passed the statute of limitations and is not on my report, but this company has contacted me via email and threatened to sue me for a debt that I believe is no longer valid. I live in California and I believe this debt no longer applies. But this company emailed me and threatened to sue me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've submitted multiple complaints all XXXX credit bureaus in the last year and still no corrections. There multiple errors on late notices on my report, On XXXX of XXXX my report shows an on time payment followed by a XXXX day late payment in XXXX and XXXX late notice in XXXX. There are many months left XXXX in XXXX followed by XXXX day late notices as well on my FICO report.
Product: Credit reporting, credit repair services, or other personal consumer reports

account takeover fraud, ID theft, etc previously resolved with local police, FTC & iC3 per links below XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX please update to XXXX balance, never late, no charge off or delete line immediately so that correct history can be attached to new profile created for safety ( pending this institution 's update for over 12 months )
Product: Student loan

XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX DC XXXX To Whom It May Concern : Thousands of students were scammed by Navient into taking out predatory private loans to attend for-profit online and in-person schools such as the one I attended, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX As a matter of fact, XXXX ( owned by the XXXX XXXX XXXX ), was investigated by the U.S. Department of Education and found to have engaged in substantial misrepresentations related to employment rates, salaries, and career services. 
Because of the numerous claims of fraud and misconduct perpetrated by these online and in-person for profit schools, such as XXXX, I was able to file a XXXX XXXX XXXX XXXX the Dept. of Education against XXXX and my Fed. loans of over {$300000.00} were discharged and my credit repaired. 
My Borrower Defense Claim was also part of the XXXX XXXX XXXXXXXX settlement for which I was a full class member. 
I am aware that Navient was sued by 39 state AGs regarding their predatory loans to attend these online for-profit and in-person schools and that Sallie Mae/Navient were a `` preferred '' lending company in a " deal '' with these schools during the early XXXX 's. These private loans with a high risk of default were part of a package deal offered to " for profit schools ''. But loans made to students in states outside of the agreement, or those who were not in default for 7 months or more during a " specific '' time frame, were excluded. I am sure this was a big win for Navient, but what a sham of a settlement deal for the rest of borrowers scammed into taking loans to at least XXXX for profit schools. After the AG settlement, didn't Navient also get out of the Federal student loan business due to scrutiny from lawmakers and borrower advocates? Didn't Navient have to pay restitution to the Federal student loan borrowers for not informing students of IDR/IBR payments students could have enrolled in, but instead steered toward forbearance? Furthermore, hasn't Navient been sued at least a half dozen times for other predatory loan practices and illegal collection practices? 
I am also aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. This application is a sham. Why do we need to prove anything? Navient knows who we are. Under the FTC " XXXX XXXX '' Navient is liable for giving predatory loans in connection with for-profit schools. Time is running out for Navient to do right by students who were scammed into taking out private loans to attend online and in-person for profit colleges who have committed misconduct and misrepresented themselves to the public to entice students to enroll. XXXX XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans NOW! It's time Navient do the right thing and discharge all these predatory private loans made to attend online and in-person for profit schools. 

Best regards
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. My personal information was compromised and fraudulent charges were included on my accounts without my consent or authorization. On XX/XX/XXXX I sent this company My letter which explained in detail what was fraudulent and needed removal from my file. I even attached the following documents to prove my case : 1. my Federal Trade Commission ID THEFT REPORT ID # XXXX 2.Proof of identity 3. Section 605B of the Fair Credit Reporting Act. But to my surprise, this company completely ignored me and is still reporting the following accounts with fraudulent charges on them : XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last PaymentXX/XX/XXXX XXXX XXXX XXXX XXXX, Opened Date XX/XX/XXXX, Limit {$550.00}, Date of Last Payment XX/XX/XXXX XXXX XXXX XXXX, ACCOUNT NUMBER XXXX, Opened Date XX/XX/XXXX, Highest Balance {$27000.00}. Please note that this letter is My final written proof of my intent to reach out to this company before filing a lawsuit against them. Attached herewith is the documents I sent them in my earlier disputes with them for reference.
Product: Mortgage

This complaint is in regards to an illegal foreclosure suit that XXXX XX/XX/XXXX XXXX has filed for the second time. The judge dismissed the first illegal foreclosure they filed on XXXX because they failed to submit the mandatory papers to prove standing. Then in XXXX they decided to file another illegal foreclosure suit against me and my wife. 

However, this time, they have not only failed to provide proof of the promissory note ( that we made with XXXX XXXX in XXXX ) They have fraudulently signed a bogus assignment of mortgage, signing as power of attorney for HUD. They have ignored the judges demand to state the date that they supposedly ( after six years being lost ) found the note. 

But the main reason for this complaint is to alert CFPB about the illegal use of the title of " trustee '' for what I believe, is a made up trust. In XXXX they filed as trustee for XXXX title trust! .Now they have filed as trustee for XXXX trust Series XX/XX/XXXX-CTT. 

Through my attorney I have requested numerous times the PROOF that this new trust even exists. If my mortgage was originally securitized, Then how can it be re-securitized. I request that CFPB investigate as to the veracity of the trust because I sincerely believe that is a lie.They have never submitted : 1- A copy of the COMPLETE RMAC trust, Series XX/XX/XXXX-CTT INSTRUMENT, LISTING THE TRUSTOR, BENEFICIARIES/ INVESTORS AND PROPERTY and date of registration. 

2- Documents showing that trustee is active, owning the debt that empowers XXXX XX/XX/XXXX to be a trustee pertaining to my loan. 

3- All documents showing physical existence of the trust, including details concerning XX/XX/XXXX XX/XX/XXXX as an actual trustee or the powers it has over the trust property ( including the mortgage ) 4-Documents showing business records of XXXX XX/XX/XXXX Trust Dept. , and who maintains these records, including bank account transactions in the name of the trust that XX/XX/XXXXXX/XX/XXXX has stated has standing to foreclose on my loan. 
5- Power of attorney from HUD to XXXX XX/XX/XXXX XXXX ( XXXX XXXX XXXX ) on assignment of mortgage.
Product: Credit reporting or other personal consumer reports

THE CREDIT BUREUAS HAVE VIOLATWD MY RIGHTS WILLFULLY I didnt give these companies consent or written permission to report in accordance to 5 USC 1681b. 15 U.S.C 1681 section 602 A. States I have the rights 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 They are thereby reporting fradulent erroenous information. A willful violation under 15 USC 1681C-1 and and per1 5 USC 1681c-2 these need to be removed in XXXX days.These are causing defamation of my character and my public appearance. I will have bo choice but to seek litigation in small claims court if this isnt fixed. see attachments
Product: Debt collection

I have paid original creditor Advance Financial balance down to {$700.00} Advance Financial sold debt to XXXX XXXX XXXX for original amount as though there was no payments made. There is a current CFPB complaint # XXXX. I did not request within that complaint what I am about to request now that is within my rights to request according to the fair debt collection laws set in place.This company sent me verification of this debt only. I am now requesting 4 specific things in regards to Debt Validation according to:15 USC 1692G .

1. I want a detailed payment history of payments I have made on this account. 

2. I want for XXXX XXXX XXXX to send me a copy of my signature guaranteeing that I would pay XXXX XXXX XXXX if debt go in default with Advance Financial. 

3.I am wanting proof of any insurance claims that may have been filed on this debt to be provided to me. 

4.I want CHAIN OF TITLE proof to collect on this debt. 

The debt owed amount and what is trying to be collected is inaccurate. I need mentioned items above to be provided according to FAIR DEBT COLLECTION PRACTICES LAW 15 USC 1692G. 

Thank you.