23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

Navy federal credit union violated multiple of my consumer rights and multiple FDCPA 15 u.s.c 1611 Navy federal credit union gave my information to a 3rd party corporation without my consent or wet signature consenting both parties which is identity theft. Navy federal also violated the Dodd-Frank Wall Street Reform and Consumer Protection Act 18 u.s.c 8 obligation or other security of United States I never received presale letter, post sale letter, commercially reasonable manner of transaction, the repossession was also a Breach of Peace I directed the 3rd party tow company to address themselves which they didnt, and to unhitch my car from tow truck the driver proceeded to lift with me inside my property, tow truck employee then said pay your XXXX ( XXXX XXXX ) bill dummy and drove off with my Car. Ive sent multiple bills of exchange letters, notice of claim. Navy federal customer service rep said I only can pay the bill with cash and the full amount which was paid in full once I use my SSN and my wet signature on the retail installment loan. The fraud committed by Navy Federal Credit Union made the contract null and void Withholding my access to my securities is securities fraud. You're also in violation of the Equal Credit Opportunity Act and Consumer Credit Protection Act. 15 u.s.c 1681 ( n ) civil liability for willful non- compliance 15 u.s.c 1692 false or misleading representation 18 u.s.c 8 Obligation or other security of the United States 31 u.s.c 3123 Payments of obligations and interest on public debt HJR 192 12 u.s.c 1431 Powers and duties of banks ( borrowers/pay interest ) My credit is a right granted ( not a privilege ) banks can't give you credit nor extend it. Rejection coupon/payment which is adherent to XXXX  XXXX XXXX incident Breach of fiduciary duty XXXX  XXXX Refusal to discharge the debt which is a violation of XXXX Violation of title 18 u.s.c section 242 Deprivation of rights under color of law Creditor- Any person who offers or extends credit creating a debt or to whom a debt is owed, but such terms does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. My APPLICATION was the credit!!! The ONLY way to pay bills is with interest!! How can you pay on a positive balance? EVERY contract has equity!!!
Product: Credit card

Account : XXXX Account : XXXX Account : XXXX Account : XXXX Account : XXXX To Whom It May Concern, I have been a JP Morgan Chase Bank XXXX XXXX since XXXX. I have personal and business cards listed above. 

On or around Wednesday XX/XX/XXXX, without notice, JP Morgan Chase Bank XXXX closed all my personal and business accounts credit card accounts. 

The cancellation without notice affected not only me personally but my business. The business credit card is used for recurring charges for our hundreds of customers. 

Upon returning, I spoke with JP Morgan Chase Bank XXXX and they stated no notice was sent. They also stated no reason needed to be given based on their Terms and Conditions. I asked for a copy of the Terms and Conditions from XXXX and they stated they would mail them. They also stated in the next XXXX  days they would send a notice about the accounts. 

I also reached out to XXXX XXXX, XXXX XXXX, and her team without a response.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2022 I received a response from Experian dated XX/XX/2022 forwarded through the attorney general 's office about inaccurate info on my consumer credit report. Experian indicated that both fraudulent accounts " XXXX XXXXXXXX XXXX '' and " XXXX '' are currently not listed on my credit report. While this is accurate for " XXXX XXXX XXXX '' which has been removed from my consumer credit report, however the account " XXXX '' is currently listed on my consumer credit report. This is indeed another " LIE '' from Experian stating that an inaccurate and fraudulent account is NOT listed on my credit report when it clearly is. I have submitted several police reports and FTC reports and the account " XXXX '' is still showing on my consumer credit report and is causing severe financial hardship. I am in the process of trying to refinance an Auto loan due to financial difficulties. XXXX XXXX XXXX XXXX obtained a copy of my credit report today on XX/XX/2022 and has declined my refinance loan because of the fraudulent account " XXXX '' listed on my consumer credit report. Not only has EXPERIAN lied again on my consumer credit report but they have failed to block the fraudulent account in a timely manner according to the Fairs Credit Act 605b. Because of this failed action on Experian 's behalf my financial hardship is now extremely severe. 



I have attached a current copy of my Experian Consumer Report showing the fraudulent account XXXX  which is reporting negatively and caused me severe financial hardship. I have also attached a copy of Experience response which was forwarded to me by XXXX XXXX at the Office of Attorney General Consumer protection Division.
Product: Credit card or prepaid card

Reward dollars were not issued correctly for multiple months. Contacted American Express in XX/XX/XXXX to resolve and they began looking into the issue. Have been told various conflicting items, including no error was found, to a check was issued in XX/XX/XXXX, and even a letter in XX/XX/XXXX stating an error was found and a statement credit would be issued. No one seems to have any clue what's going on and multiple " investigations '' have been opened with no resolution.
Product: Payday loan, title loan, or personal loan

I applied for a small loan. I got the loan and made payments on time by phone. A situation has come up where I am not able to make the payments on the scheduled date. After several calls from XXXX XXXX at my place of employment they told my coworker they needed HR for garnishment. That is a violation of Consumer Debt Act. Secondly the coworker explained to them that this was a business and not to contact me here. They continued. On XX/XX/XXXX, I made a payment that I could manage to pay as well as a cease and desist letter advising them that they are not to contact me by phone as they call during working hours and I was now on probation for the excessive calls. I also made it known to not call my references/third parties and to have any further communication with me through mail. They have continued to call me daily. Today XX/XX/XXXX They called a reference/third party which again is a violation of consumer debt as I have given them written notice to not contact my references. I also provided them with proof of a garnishment already in place by another facility so threatening garnishment wasn't helpful nor telling my job they wanted to do a garnishment as they, by law, can not state that information. I would like to know what my options are since my rights have been violated.
Product: Credit reporting or other personal consumer reports

I recently reviwed my credit report and I nticed a number of inquiries that I did not authorize. I have asked that they be removed from my credit report but they have not. These need to be removed immediately as I have had identitiy theft issues and this is adversely affecting my ability to do the things I need to do in my business and personal life. These are the unauthorized 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 XXXXXX/XX/XXXX
Product: Checking or savings account

I have been audited by the IRS, and I have requested Wells Fargo for photocopies ( images ) of all my checks that have been deposited into my checking account between XX/XX/XXXX. XXXX and XX/XX/XXXX. I have called their customer service at XXXX three ( 3 ) times, each time I spend one 1h30m ( for the past month month I have spend almost 5 hours on the phone with them ) on the phone with them while they put these checks images together, and each time, they keep sending me bank statements. I can get my bank statements online, but unfortunately, Wells Fargo does not allow to obtain images of checks. We as a consumer only can obtain these up 18 months or we have to call their customer service, witch did several times. I went to my local branch also, and have asked the bank XXXX, XXXX XXXX for his assistance. And until now he has done nothing in regards this matter. Anytime I go to the bank, he says that he is " busy ''. I come to your organization to help me obtain these checks images please. 

Respectfully, XXXX XXXX.
Product: Credit reporting or other personal consumer reports

XXXX XXXX  account Acct # XXXX was charged off in ( XX/XX/2024 ) .I have requested the XXXX to support the charge off and it has not been sent. I have dispurted this account as well with the credit bureau and it comes back verified or updated. According to the Fair Credit Reporting Act ( FCRA ) and Code 15 U.S.C. 1681e ( b ), income that has been reported to the IRS via a 1099-C can not also be reported as a delinquent debt on a credit report. This is further supported by the ruling in XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Attached is also the dispute filing in XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

Dear XXXX XXXX XXXX XXXX, you have violated the Fair Credit Reporting Act ( FCRA ) by reporting " INACCURATE INFORMATION '' on my Consumer Report. See attachments. XXXX XXXX ALL RIGHTS RESERVED XXXX XXXX
Product: Debt collection

XXXX XXXX [ XXXX XXXX XXXX XXXX, XXXX ] [ XXXX GA, XXXX ] [ XXXX ] [ XXXX ] [ XX/XX/year> ] **RentDebt Automated Collections** XXXX XXXX XXXX XXXX XXXX TN XXXX Subject : **Debt Validation Request Account Number : XXXX Dear Sir/Madam, I am writing to formally request validation of the debt referenced above as required by the **Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ) **. I recently noticed this collection account on my credit report, and I do not recognize or agree with the debt. Therefore, I am exercising my right to request detailed information about this account to verify its legitimacy. 

Requested Information : 1. **Validation of the Debt** : - A copy of the original agreement or contract that shows I am legally obligated to pay this debt.

- A complete breakdown of the amount owed, including the original balance, interest, fees, and any other charges.

2. **Proof of Ownership** : - Evidence that RentDebt Automated Collections is authorized to collect this debt, including documentation showing a transfer or assignment of the debt from the original creditor.

3. **Details About the Original Creditor** : - The name and address of the original creditor ( XXXX XXXX ), as well as any account numbers or other identifying details related to the original agreement. 

4. **Debt Reporting Details** : - Clarification of why this account appears with a 1-Month Term and discrepancies in dates ( e.g., date opened vs. past due date ). 

Under the FDCPA, you are required to cease collection activity, including reporting the account to credit bureaus, until you provide this information. If you can not validate the debt, I ask that you immediately stop collection efforts and remove this account from my credit report. 

Please also ensure that all further communication regarding this matter is in writing. 

Important Notes : This letter is not an acknowledgment or acceptance of the debt, nor is it a promise to pay. It is a formal request for validation to confirm the debts legitimacy. 

I request that you provide the requested information within **30 days of receiving this letter**, as required by law. 

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

Sincerely, [ XXXX ] All rights reserved
Product: Credit reporting, credit repair services, or other personal consumer reports

I discovered that some of the information on my credit report was incorrect when I reviewed it. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these accounts ( A ). It is not permissible to fail to validate these reporting accounts as unverified information without providing any proof within the time frame specified by law. My credit report includes the following erroneous information that needs to be investigated and deleted : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$710.00} XXXX XXXX  XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX  ( Original Creditor : XXXX XXXX  XXXX XXXX XXXX ) XXXX XXXX XXXX {$1900.00} XXXX ( Original Creditor : XXXX XXXX ) XXXX Balance : {$350.00} XXXX  XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$4200.00} XXXX  XXXX ( Original Creditor : XXXX XXXX  XXXX  ) XXXX Balance : {$1100.00}
Product: Credit reporting or other personal consumer reports

For years I've been fighting with these credit agencies about accounts being solicited on their platform for profit and gain without my explicit and direct consent. And for years these credit agencies use their platform to harm the character of consumers while causing stress and XXXX XXXX while they gain profit off of the consumers name. There are 2 accounts in question that TransUnion refuses to verify but continues to publish on their platform regarding consumer XXXX XXXX non public personal information. 
1. XXXX XXXX XXXX XXXX 
2. XXXX XXXX. 
I never gave TransUnion nor XXXX XXXX XXXX or XXXX XXXX explicit or written consent to publish my non public personal information. The definition of Verification means to prove something through sworn statement. I never received a sworn statement after requesting verification of accounts which is a violation of the Federal Fair Credit Reporting Act and also a violation of 18 USC 894 in the conspiracy to team up against me in the collection of a debt as well as 18 USC chapter 77 - XXXX, XXXX and XXXX XXXX XXXX. TransUnion is also in Violation of section 604f of the Fair Credit Reporting Act 15 USC 1681 Permissable Purpose. These accounts are discharged accounts and TransUnion is still reporting a balance when no credit amount should be displayed at all. Because I never gave written or explicit consent to publish non public personal information, TransUnion is also in Violation of 18 USC 1028A - Aggravated identity theft stemming from violating FCRA section 604 15 USC 1681b permissible purpose can be access and used by third parties.

Therefore I am exercising my consumer rights per FCRA under 15 USC 1681c-2 and demand a block of information resulting from identity theft. The CFPB can provide appropriate proof of the identity of the consumer. This information is not information relating to any transaction by the consumer. TransUnion, XXXX XXXX XXXX nor XXXX XXXX can provide a sworn statement under penalty and perjury that they have explicit consent to furnish non public personal information about consumer. This is my notice that if either company can not provide a sworn statement that consumer owns, owes a debt to them or if verification can not be provided to consumer for consumer to inspect and these items still remain on consumers credit report after verification process then consumer will take it as a willful act of violation against the consumer and will be forced to file suit of claim in state court.
Product: Credit card

My account was closed without my knowledge on Friday XX/XX/year>. I have no delinquent accounts, 100 % on time payments and have never missed any payments on any of my credit account. I was told that my credit balances where too high but the total of all my accounts is less than XXXX $ and like I mentioned earlier I make all my payments on time and made all payments for this card on time. I also had a credit limit of {$3000.00} on this card that was closed and my balance was XXXX $ as I had not used it in a while. It was the Synchony home credit card.
Product: Debt collection

I have made several attempts over the years to dispute an entry on my credit report. Undereducated about the process, I gave up in trying to remove. I recently have refinanced my house and was questioned by my lender about this company on my credit report again. 
Unable to explain and unable to resolve, this entry contributed to my not qualifying for a lower interest rate costing me more money. I once again sent certified letters and made attempts to seek information from this company who has refused to provide any information to me. They are only demanding I send proof to support it being inaccurate. I obviously have no proof if the debt was never mine. 
The company has further stated, they ca n't understand the nature of my dispute. Hopefully this organization can clarify " the debt is not mine ''. 
According to my credit report this company is using deceptive practices by reporting this debt to the credit reporting agency that this is a factoring account. I do n't have any loans that was sold to this company. 
They further are deceptively listing this as an open account and has entries that state I have been late on many occasions. I have never made a payment to this company. This act appears to be refreshing the credit reporting entry only to create harm to my credit score.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hello i have information showing on my credit report that i did not authorize. These accounts, inquires and address are causing damage to my credit report. I have gathered all necessary documents and will attach them to this complaint. 

XXXX Account number XXXX Date opened XX/XX/XXXX Hard inquiries XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX Inquired on XX/XX/XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX
Product: Mortgage

XXXX now says that because that 1 page of my modification with XXXX was not signed or filled out by the notary, that my modification is denied. I got a call from XXXX XXXX in their escalation department I asked for a copy of the documents that he had and he was to send them via email but at this time they have not shown up. 
I have been through the documents I have, and the document he is talking about is not there, The only document that was not signed and I could not signed because it had my late Mother 's name on it was the Assumption of the loan document. 
XXXX had control of all the documents from XX/XX/XXXX until they sent them to XXXX sometime in XXXX. At no time did XXXX ever call me or notify me that something was missing from the documents I had submitted. 
XXXX, themselves never looked at the documents until the last 10 days and now they say my modification is denied, but they have yet to produce these docs or this 1 incomplete document. Further more, I have a Covid, forebearance in place and neither XXXX nor XXXX has yet to correct all the accounting, on the loan, I have shown both Shellpoint and XXXX the insurance on the property that it is paid by the XXXX fees, and yet neither have ever credited or removed the forced insurance they placed on the property. 
When I called this AM with XXXX XXXX  XXXX XXXX, on a recorded line and asked to speak to XXXX XXXX XXXX or his supervisor we were told that XXXX could not speak to us because I have filed a complaint with CFPB, then there was a change of mind and XXXX would call me back, as of this evening, I am still waiting. His supervisor, XXXX XXXX, has not. 
Further more XXXX is telling me to pay {$100.00}, XXXX to reinstate my loan or they will foreclose on XX/XX/XXXX. After the CFPB says differently and a payment plan should be worked out.
Product: Credit reporting, credit repair services, or other personal consumer reports

My identity was used by someone else to open fraudulent accounts. This has resulted in the following FRAUDULENT items to appear on my credit reports : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX I am seeking to have the FRAUDULENT information removed from my credit reports. I have already sent the credit bureaus documentation supporting my claims. The credit bureaus are still reporting the FRAUDULENT items.
Product: Credit reporting, credit repair services, 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. 
XXXX XXXX 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. 
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: Credit reporting, credit repair services, or other personal consumer reports

Experian is reporting a XXXX XXXX account opened in XXXX that was included in a Bankruptcy as past due from XXXX until XXXX. I have asked them on many occasions to remove the past due reporting but they refuse. They have stated that the account has been updated but it shows that the account was last updated XX/XX/XXXX. There should be no past due information reporting. This is hurting my credit score and preventing me from purchasing a home. Since they claimed that this account was updated, my credit score has dropped 25 points. They are reporting misleading and false information.
Product: Debt collection

There is a negative remark om my credit from Credence Resource Manage in the amount of {$540.00}. I have repeatedly disputed the debt with the credit Bureau as well as here and because of the validity of the debt can not be verified nor do I owe Credence Resource Manage. I have requested that such erroneous information be removed from my credit. I do not owe Credence Resource Manage and I do not have a contract with the mentioned creditor and request that the negative remark be removed immediately.
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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX has violated my rights. Or 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.