23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

Navy Federal Credit Union is obligated per the XXXX to provide proper accounting. Consumer has disputed the validity of the debt and requested proper documentary evidence of the accounting such as the journal of debits and credits, promissory note, security agreement and disclosures according to billing error procedures in XXXX2 CFR 1026.13. Consumer extended credit card information, per 15 USC 1602 ( l ), and provided a promissory note in the amount of {$79000.00} to cover the obligation in question, per 12 USC 1813 ( l ). Consumer was also charged a daily interest rate, which goes against XXXX. In retaliation for the dispute, they have charged off my account, made numerous threats of repossession and shared my personal information without my consent to third party non-affiliates, thus damaging my character and reputation. My personal information was shared with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX without my consent. Navy Federal Credit Union has XXXX XXXX to provide me the required documentary evidence according to 12 CFR 1026.13. I will be filing form XXXX treasury to audit the consumers account. Navy Federal Credit Union XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Student loan

About 3 years ago I finished college and entered a payment play with navient. When I called them, I specified my future goals were to use the XXXX forgiveness plan and the public service 10 year forgiveness plan. I was advice to enter a 30 year consolidateed plan. Last week I called navient to see my progress to that goal and make sure I had the write paperwork to turn proving my past three years of publoc service. I was told over the phone that my payment plan was not eligible for forgiveness, I needed to enrolled in the income driven repayment plan. I had made 36/120 faith full payments ( $ XXXX ) wasted to be told I had to start all over gain. The difference between the XXXX plans? Barely {$500.00} dollars in their favor. I have talked to many different public school teachers who got the same advice I did. It is wrong.
Product: Debt collection

Debt collector is Portfolios Recover Assoc LLC, a/s/o XXXX XXXX XXXX, a/s/o XXXX XXXX   XXXX Acct : XXXX XXXX. Amount exceeds {$1800.00}. Debt incurred in 2009 and ten years have elapsed without incurring further obligation or extending the original contract. Account is uncollectable because a 10 year statute of limitations applies in the State of Illinois ; however mailings and several phone calls per week continue.
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi the only name I go by is XXXX XXXX. My address is XXXX XXXX XXXX XXXX XXXX Pa, XXXX. This issue has been reoccurring since last XXXX with the 3 credit bureaus. I sent in documents on multiple occasions showing the address that were on file was not mine, I even sent in my drivers license and proof of address. I asked for the information to be updated and they still to this day refuse to update it. I explained that there were multiple accounts that I did not have access to and for them to send proof as to where they're receiving this information. They have yet to send proof. After the 3rd letter around XX/XX/XXXX I asked them to delete the accounts and the addresses that didn't belong to me and they ignored me. I know I'm not a professional company but I feel as thought they're being rude and not honoring my rights as a consumer. The accounts that I asked for proof of are XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX, XX/XX/XXXX XXXX, XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX,
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX once again and I am submitting this CFPB Complaint to request to the Credit reporting Agencies to remove the fraudulent accounts and information off of my Credit File in accordance with the Fair Credit Reporting Act section 605b. I recently received an updated copy of my credit report and was shocked to find that there are still several accounts that I did not open and have no knowledge of and yet being reported on my Credit File. The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX, XXXX, OH, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX XXXX, OH, XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX BANK XXXX Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX XXXXXXXX Unpaid Balance {$0.00} XXXX XXXX XXXX  Unpaid Balance {$0.00} XXXX XXXX XXXX XXXX Unpaid Balance {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I can assure you that I did not open these accounts or authorize anyone else to do so on my behalf. I believe that this is a case of identity theft and I am taking steps to report this to the authorities. If the Credit Bureaus believe that the disputed accounts and information belong to me, I require the Credit Bureaus to send me any copy of proof of verification they may find during their investigation to prove that the disputed accounts belong to me. I strongly believe that the disputed accounts were results of the theft of my identity and must not be included on my Credit File.
Product: Payday loan, title loan, or personal loan

I opened a Line of credit in XXXX from Capital One. For the past XXXX years my personal line of credit was not allowing me to make any transfers from the line of credit to my checking account so I decided to contact the line of credit representative. According to the representative this was a known issued and they dont have an estimate time when it will be fixed, therefore they suggested that I continue to call to do manual transfers in the meantime. A year later of making manual transfers on XX/XX/XXXX I decided to write a letter to the XXXX XXXX XXXX explaining to him my struggles with my account. I received a call on XX/XX/XXXX from the executive office who further look into the issue that I was experiencing with my LOC and the end results was that this product was not compatible with their platform and they dont have an estimate time as they are looking to enhance their platform. I asked XXXX from the executive office in the event theres no solution would they close my account and would I receive a notification prior to my account being close? His response was in the event my account needs to be close I would be notify in advance and base on the XXXX XXXX XXXX we should get at least 45 days in advance prior to any credit account being closed. 

A week later from this conversation, I go into my online account just to find out that my line of credit was closed without any notification. I sent another email to the CEO XXXX on XX/XX/XXXX and I received another call from the XXXX office to informed me that theres nothing they can do and that this line of credit was closed. According to the executive office representative they were sorry and that a notification was just sent out to me on XX/XX/XXXX. Like seriously just sent out to me? This is highly unacceptable and I was not given a notification nor an alternative. 

I couldnt believe how XXXX XXXX CEO is allowing this poor customer service towards his long term loyalty customers. Capital One knows that this not the best time for them close the only Capital I have to support myself and my family to survive. Life doesnt stop when it comes to paying my bills and to feed my family specially during a PANDEMIC. 

In addition this will also affect my XXXX XXXX because that capital $ $ $ line is no longer available to me therefore my credit will decreased. 

I want a resolution!
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/XXXX I went to www.equifaxsecurity2017.com website due to the breach. After putting my last 6 digits of SS # and last name Equifax confirmed that I have been breached and the next step was I am to get a email notification to get " TrustID Premier Identity theft protection. 
XX/XX/XXXX, I received my email notification and to click on the link https : //trusteidpremier ... ... and to follow the steps. The link was spinning it appears for 10 minutes and then finally gave up. I tried again and Equifax said that I already attempted and appears I am in system. I DO N'T have any idea what that means. 
XX/XX/XXXX at XXXX I call Equifax at XXXX CA time. Spoke with XXXX and he was completed disrespectful and yawning and even sneezed but did say excuse me. Nonetheless, XXXX after verifying my information and saying my SS # out loud which I believe no one should ever repeat you SS #. They should ask you to say it again yourself. XXXX said I will be getting another email notification and should work then. 
XX/XX/XXXX the new email notification arrived and I clicked on the link and the website said " Temporary out of Service ''. 

I am asking for your help and have Equifax be totally accountable for there lack of security an thus was hacked.
Product: Credit reporting, credit repair services, or other personal consumer reports

Be advise pursuant to 15 USC 1666b ( a ) ( b ). 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. 
XXXX make it clear I have a right to XXXX as a federally protected XXXX. Under the FCRA you can't report late payment.
Product: Mortgage

PennyMac USA and its loan department talked me into applying for an FHA XXXX loan. I told several representatives for PennyMac that I had credit challenges. I was reassured on several occasions that an FHA XXXX loan is designed to keep consumers with financial problems in their homes and for that reason, your credit rating IS NOT A FACTOR in the loan approval process. So, I relented to their pressure and applied for the FHA XXXX loan and ... ..was denied because of my credit record. PennyMac deceived me intentionally to get me to apply for the loan, PennyMac is correct FHA XXXX loans do not take credit worthiness into consideration because of the very goals of the program. PennyMac lied to me, and it unfairly and illegally denied the XXXX loan. 

PennyMac also told me not to make my XXXX payment to instead use that as the downpayment for the FHA XXXX loan, we agreed on payment terms, lengths and amounts. Then they abruptly lie to me and go back on their word. 

XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Transunion presently has three of my student loans listed in bankruptcy, which is incorrect. I have contacted Transunion regarding the issue. They stated they verified the information with the creditor. I have verification documents from XXXX verifying that my loans are listed in deferment and not bankruptcy. The following three loan accounts are listed in Chapter XXXX Bankruptcy : 1.  XXXX XX/XX/2017 2. XXXX XX/XX/2017 3. XXXX XX/XX/2017 The loans are listed incorrectly and should be immediately updated to deferred. Listing these accounts incorrectly has decreased my credit score by 60 points.
Product: Checking or savings account

Scammed on USAA/XXXX Within the Banking Institution as a Third-Party App I have tried to dispute the transaction and reported a financial crime but the money was not returned. I was scammed out of {$900.00} when the recipient added an extra XXXX to the transaction ( {$1000.00} instead of {$100.00} ). They used my phone to add the email address and by the time I noticed it the next morning, it was too late and they stopped returning my calls and texts. 

" Weve completed our investigation and determined an error didnt occur for the following reason : XXXX XXXX XXXX XXXX has confirmed that the funds were sent and applied to the account that was registered to the email entered at the time of the transfer. The recipient received the credit on XX/XX/2023. The external bank has denied our request for a return. '' https : //www.consumerfinance.gov/about-us/newsroom/cfpb-report-identifies-issues-with-increased-servicemember-use-of-digital-payment-apps/ " If you send money to an email address or U.S. mobile number for someone other than your intended recipient and the wrong recipient isn't willing to send the money back to you, call us at XXXX ( XXXX ). There's no guarantee that we'll be able to get the money back if it has been sent to the wrong recipient due to member error, such as a keystroke error or typo. '' Problem : XXXX {$1000.00} Transaction ( {$900.00} Stolen )
Product: Credit reporting, credit repair services, or other personal consumer reports

18 U.S.C 8 : The term obligation or other security of the United States includes all bonds, certificates of indebtedness, national bank currency , Federal Reserve notes, Federal Reserve bank notes, coupons, United States notes, Treasury notes, gold certificates, silver certificates, fractional notes, certificates of deposit, bills, checks, or drafts for money, drawn by or upon authorized officers of the United States, stamps and other representatives of value, of whatever denomination, issued under any Act of Congress, and canceled United States stamps. 

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 Dept of ED ( acct XXXX ), XXXX  XXXX XXXX XXXX acct XXXX ), US Dept of EDU ( acct XXXX and XXXX ) 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an 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.

15 U.S.C 1666a : 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 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

15 U.S.C 6801a : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information.

15 U.S.C 6802a : Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

15 U.S.C 6802b : Opt Out Family Educational Rights and Privacy Act of 1974 20 U.S.C 1232g 34 C.F.R 99.30 : Must have parent or eligible student written consent to disclose information
Product: Credit card or prepaid card

I researched credit cards which offer no-fee balance transfers, with an introductory no-interest period of time. I found several choices, and I have the credit and income to be selective. I decided on American Express and applied for and received the Amex Everyday Card, with a credit limit of {$25000.00}. After I received the card and set up my online account, I attempted to transfer a balance from another credit card, but I was prevented from doing so. I was told that there is a " balance transfer limit '' of {$7500.00}, in spite of the fact that my credit limit is {$25000.00}. I was aware of this, so I called and spoke to a representative. I was told this can not be changed. I asked where this information appears in the application process, and I was told it is in the " terms and conditions '' somewhere. I explained that I would not have opened the account had I known this. It is absolutely not clear in the application process. It may be there somewhere in some way, I assume it is now that this problem has arisen, but the application process is clearly designed to effectively hide the separate " balance transfer limit '' from the consumer, which is less than 1/3rd of the " credit limit '' and which can not be changed under any circumstances whatsoever.
Product: Mortgage

I applied for a refinance in XX/XX/2020. I finally signed the closing documents on XX/XX/XXXX after a very long delay. Was told many times that it will close but had to subsequently make 2 more monthly mortgage payments before I signed on XX/XX/XXXX. It is now XX/XX/XXXX and the loan has not been funded and will now have to pay another mortgage. They do not respond or when they did a few days ago, they said it was funded but no payments have been made to my existing loan holder. The escrow company has been sitting on my funds in the amount of {$5100.00} to this day. This is costing me money and great frustration. There is a lack of execution, professionalism, honesty and execution.
Product: Debt collection

After finishing a prior lease and starting a new lease with an apartment complex I was told that my previous lease was not paid off months after signing the new lease.
Product: Debt collection

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

However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, CREDIT COLLECTION SERVICES failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) CREDIT COLLECTION SERVICES failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation XXXX XXXX is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where CREDIT COLLECTION SERVICES is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.CREDIT COLLECTION SERVICES has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
Product: Credit reporting, credit repair services, or other personal consumer reports

In with Fair Credit Report Act, Thus creditor DIVISION Of CHILD SUPPORT has violated my rights under 15 USC 1681 section 602, states I have the right to privacy.

15 USC 1681 section 604A section 2, also states that comsumer reporting agency can not furnish an account with out my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit account under and open and comsumer plan as late for any purpose.
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to WF XXXX XXXX, WF XXXX XXXX, XXXX XXXX XXXX, and WF XXXX XXXX. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or WELLS FARGO 's customer service representative.
Product: Credit reporting or other personal consumer reports

I submitted disputes to XXXX, Equifax, and XXXX regarding inaccurate information on my credit report. Despite providing detailed accounts of the violations under FCRA 623 ( a ) ( b ) and 605 ( c ), which specify failures to mark disputed accounts and inaccurate reporting of last activity dates, respectively, none of the credit bureaus have responded within the mandated 30-day period. Additionally, the company in question has failed to validate a collection account, thus violating FDCPA 809 ( b ) according to FTC guidelines. Attached are copies of all correspondence sent. I request an immediate investigation and correction of these violations on my consumer report. ''
Product: Credit card

We have large purchase payment plans setup with XXXX credit cards we have with Chase. The stated interest rate is XXXX XXXX % however on XXXX of the payment plans, there are monthly fees assessed. We made larger principle payments on both cards with the intention of paying off those plans that had monthly fees assessed whereas leave the other XXXX percent plans that do not have monthly fees assessed with their balances. When we made the payments, Chase did not apply the payoffs to those plans with a fee as we intended so I called them to adjust those payments accordingly. They told me that it only applies the excess payments to the higher interest rate ( all of them are at XXXX % ) and then after that, it pays them down in chronological order. I complained that the ones with the fees applied is what we wanted to payoff and they said they could not adjust the payment to pay those off first. They said it was disclosed that way but I said that when any fees are applied, then that affects my APY which is my effective rate and that those should be applied first if all were XXXX % and not in chronological order. To me this is adhering to their disclosure but their payment system is not compliant to their disclosure.
Product: Credit reporting or other personal consumer reports

I TOLD THEM THAT THESE ACCOUNT NOT MINES AND IM VICTIM OF IDENTITY THEFT BUT THAT NEVER TOLD THEM OFF CLAIMING THAT THEY ARE VERIFIED WHICH IS NOT TRUE
Product: Debt collection

I hereby dispute the validity of the alleged debt listed below. I also request verification of the alleged debt, specifically a copy of the ORIGINAL PURCHASE AGREEMENT. Agreement must be with the original creditor and signed by all parties involved. I am requesting this because I've had different companies reach out to me about this same alleged debt. And when I sent Portfolio Recovery this letter they did not fulfill the request. 

I am requesting immediate deletion of all prior reporting made to any consumer reporting agencies, XXXX, XXXX XXXX. You must cease collection efforts until this alleged debt is validated. 

Portfolio Recovery XXXX They purchased this debt as a third party from XXXX XXXX XX/XX/23. I have NO BUSINESS WITH PORTFOLIO RECOVERY.
Product: Checking or savings account

My mother had a checking account at Chase Bank, she had opened a XXXX XXXX XXXX  checking account for me under her. Her account was closed for whatever actions she committed, which led to my account being closed. As a result, I have been marked as do not open account under any circumstances. for reasons that were not of my doing.