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

I am writing a to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transaction was authorized, I was charged fees lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices are unfair and requests investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

Consumer Name : XXXX XXXX, Consumer SSN : XXXX, Consumer Date of Birth : XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of an account opened at XXXX XXXX on XX/XX/XXXX. This account has resulted in a fraudulent account appearing on my consumer FICO credit report. I've attached documents with the account in question maintained by you which shows the aforementioned fraudulent item. I do not recognize the aforementioned account as reported. The aforementioned account on my credit report maintained by you were not opened, made, or initiated by me. The aforementioned account is the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the US Federal Trade Commission that the aforementioned consumer credit account is the result of identity theft.
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. 

Account name : # XXXX, Account name : # XXXX, Account name : # XXXX, Account name : # 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. 

XXXX XXXX  - Account # XXXX XXXX XXXX XXXX XXXX Account # XXXX XXXX  - Account # XXXX XXXX XXXX - Account # XXXX XXXX XXXX- Account XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

To Whom it May Concern : On a recent review of my credit report I discovered XXXX XXXX XXXX XXXX XXXX pulled my credit reports without my authorization on : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX I fully expect these to be removed from the XXXX main credit reporting agencies of XXXX, Equifax, and XXXX immediately. 

Your failure to act will be this matter being referred to the Attorney XXXX XXXX. 

I can be reached at the mailing address on this letter and please have this resolved within 30 days of receipt. 

Thank you for your attention to this urgent matter.
Product: Credit card

I recently applied for and received a Barclay credit card. I have been using the card and paying, never late with any issues. This card currently has a XXXX balance. I was shopping for a new computer and happened to be on the XXXX website. I decided to apply for credit to complete my purchase, my application was declined. A few days later, I received a letter in the mail from Barclay card stating they we 're unable to approve my application due to a past charged off account, they also informed me that they did n't run my credit to make this decision. I feel that they extended credit previously with the open credit card I have and that they made an error by denying me credit without reviewing my current credit history, instead they judged me on something from almost 10 years ago. This in an unfair denial of credit from this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

SOMEONE USE MY PERSONAL INFORMATION WITHOUT MY KNOWLEDGE AND CONSENT I am writing to request and initiate a formal complaint against Equifax, XXXX  and XXXX  CRAS. On XX/XX/2020, I mailed Equifax, XXXX  and XXXX  to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ). 
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
Product: Mortgage

I applied for an FHA refinance on my home with possible cash out for home improvements at the end of XXXX XXXX through XXXX XXXX XXXX. I currently have a land contract which has a balloon payment due in XXXX XXXX. It took until XXXX XXXX until I was approved for the refinance. Then we had to get the approval for the cash out. The underwriters through Flagstar Bank started to ask for clarification and more paperwork, some of which had already been explained and/or sent to them. This went on for XXXX months. On XXXX XXXX, XXXX, XXXX XXXX XXXX advised us that Flagstar Bank had denied our refinance. This has caused us significant hardship because we are under a time limit due to the land contract balloon payment being due In XXXX XXXX. I feel XXXX months is excessively long to wait for a decision on a refinance. I had the necessary credit score. If they would have given me their decision in a more reasonable time frame, I would have been able to correct the issues that caused them to deny the loan. Now I have less than a year to correct the issues and try to refinance the home. This is causing me significant hardship due to this delay.
Product: Debt collection

LVNV FUNDING LLC is reporting on my personal credit file. This account was opened fraudulently. Ive informed all parties of the issue & provided the necessary documentation to support my claim. The data furnisher ( XXXX ) is not complying with federal law in regards to identity theft. Additionally, the data furnisher has not provided me with any evidence of an open contract, signed contract or any valid proof this was opened, authorized or created by me ( LVNV FUNDING LLC XXXX )
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX  ( Finance ) Date reported XX/XX/XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX XXXX  ( Finance ) Date reported XX/XX/XXXX XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX  XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX ( Auto ) Date reported XX/XX/XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX XXXX XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX XXXX XXXX ( Bank ) Date reported XX/XX/XXXX XXXX XXXX ( Finance ) Date reported XX/XX/XXXX XXXX ( Bank ) Date reported XX/XX/XXXX I called the bureaus and they refused to remove the inquiries off my credit. I never authorized these inquiries
Product: Credit reporting or other personal consumer reports

I SEE TWO ACCOUNTS THROUGH AFFIRM SHOWING DELINQUENT AND THEY ARE NOT MINE THEY NEED TO REMOVE TWO ACCOUNTS SHOWING ON MY CREDIT!!!, IT IS IMPOSSIBLE TO WORK WITH THEIR CUSTOMER SERVICE TEAM, THEY HAVE ME DOWN FOR TWO PURCHASES THAT ARE NOT MINE!!!
Product: Mortgage

Mortgage loan was paid in full on XX/XX/XXXX. Mortgage servicer website shows the paid in full amounts, and amount of funds paid. Paid in Full letter was sent on XX/XX/XXXX. XXXX Balance Letter was issued on XX/XX/XXXXXXXX It also shows an escrow balance of {$1200.00}. 

Mortgage holder states there is no balance in escrow, and that escrow funds went towards payoff amount, which does not match with the amount of funds sent to them, nor their own paperwork. 

Select Portfolio Servicing customer service is stating that I have no balance in my escrow account and no funds are due, while the customer dashboard and payoff letters directly contradict this statement.
Product: Vehicle loan or lease

Mini of XXXX XXXX is a dealership that is affiliated with Mini Financial Services. 

Summary : My wife and I paid off a lease of a XXXX XXXX XXXX Mini of XXXX XXXX and received a receipt of the payment acceptance on XX/XX/2022. On XX/XX/2022, the MINI XXXX XXXX XXXX submitted the fully paid-off amount to MINI Financial. On XX/XX/2022, MINI Financial reported receiving funds for the payoff. I do not know why there was a gap between the receipt of funds between Mini Financial and Mini of XXXX XXXX. On XX/XX/2022, Credit Agencies received a Balance Past Due notice from BMW Financial Services ( aka Mini Financial Services ). Also on XX/XX/2022, Credit Agencies received a Paid in Full notice from BMW Financial Services.

The issue is that my and my wife 's excellent credit scores were improperly impacted by Mini Financial Services for an issue that is internal to the Mini organization. 

Upon written notice of my complaint, Mini Financial did not respond within 30 days of the notice. They also claim that per the lease agreement, it is our responsibility to ensure that the Dealership actually transfers the funds we paid to them to Mini Financial.

This is a ridiculous business practice as there was no notice or warning given that we were late in our payment according to Mini Financial to even indicate that the payoff had not been received. In fact, if Mini Financial Services allows Dealerships to create leases and payoff leases at the Dealership, they should also take the responsibility for the funds paid to the Dealership to be transferred to Mini Financial. This is an issue between the Financial Institution and the Dealership as their agent and NOT with my wife and me as the consumer who is being impacted by their poor business processes. 

Mini Financial has responded to our complaint that their findings stand and they have reported their findings to the Credit Reporting agencies making it even more difficult to remove the credit impact, which again is unfair as this is their business process mistake to fix, not double down.
Product: Debt collection

This company has called me a few times. In an attempt to verify identity, they volunteer full name, birthdate, address and even the last XXXX digits of a social security number without me ever confirming that I am the person they are looking for. I can't believe that this isn't illegal and that they can continue to do business in this manner... 
Today, I spoke with the XXXX, XXXX. She did not have a single care about my concerns for someone's identity privacy. With their harassing tactics, I don't feel comfortable with this company 's possession of anyone 's personal information. 
When confronted about this issue, they simply hang up on me.
Product: Debt collection

I reached out to Receivables Management requesting why they are reporting on my credit report, details of debt, and deletion several times. This company surprisingly showed up on my credit report as a Collections Account yet NEVER mailed or emailed me a bill. This is a direct violation of the NO SURPRISE Act and I am demanding an IMMEDIATE deletion. Not only is this a violation of the NO SURPRISE Act but also a violation of the Privacy Act 15 U.S. Code 1681 602 ( a ) ( 4 ), I did NOT consent to Receivables Management to report to my account 15 U.S. Code 1681s 604 ( a ) ( 2 ), or access details to any medical records as a violation of HIPPA laws. These charges are fraudulent, my rights have been revoked.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed my credit report numerous times. There is a bankruptcy reported on my Transunion report. This is inaccurate. XXXX has deleted the inaccurate report. I will provide proof that the credit bureau Transunion and XXXX XXXX are reporting inaccurate information
Product: Debt collection

Was contacted via mail/letter that I had a warrant and needed to appear in court for a {$280.00} medical bill in 10 weeks and says that any dispute should be taken up with the judge. To the best of my memory, this is the very first notice of this balance ever. The notice only included the name of the dr. - No details on date of service, etc. 

To go from no communication to a summons to appear in court is both excessive and downright threatening.
Product: Credit card or prepaid card

XXXX, XXXX 2019 purchased new furniture at XXXX XXXX XXXX in XXXX Illinois for {$4000.00}. 
This was using their credit card through Comenity Bank, It was interest free for 48 months. I signed up for automatic withdrawal with 1st payment due XX/XX/2019. I was making sure 1st payment came out on time by checking my bank account because they said if I was late on any payment I would have to pay the interest. On XX/XX/XXXX no payment had been taken out so I called up Comenity Bank ( XXXX XXXX XXXX   number on back of the credit card ) and they told me that the automatic withdrawal wouldn't start till XX/XX/XXXX so I needed to make a payment that day so I wouldn't be late. So over the phone I made the {$140.00} minimum payment. Later that day I had another charge of {$140.00} from Comenity that was pending..thought it was probably a mistake and it would clear out. On XX/XX/XXXX that charge went through so I had made a double payment for the month of XXXX. I called Comenity and they said they were wrong that the automatic withdrawal had gone through for XXXX and they would refund my payment back to my bank I made on the phone which they did on XX/XX/XXXX. I started looking at my statements and noticed I was being charged interest on an agreement that had 48 months interest free, Monday XX/XX/2019 called Comenity Bank and asked why I was being charged interest and they said when they refunded my double payment in XXXX they decided that that was a new charge of {$140.00} and not under the interest free 48 months! Not only are they making me pay back the double payment of {$140.00} at {$5.00} a month but also charging me {$3.00} a month till it's paid!! {$140.00} divided by {$5.00} a month that will take 28 months with {$3.00} interest a month that's {$98.00} interest on a {$140.00} payment that I should have never had to pay as they took 2 payments out in XXXX! I called XXXX XXXX XXXX phone number and they said they had nothing to do with the financing part and I would have to deal with Comenity Bank.
Product: Credit reporting or other personal consumer reports

I appreciate your help in addressing some of the fraudulent information on my credit file. However, there are still unresolved inaccuracies that need to be removed. Under FCRA Section 605, you are obligated to eliminate any inaccurate records. I have previously provided this documentation and am including it again for your reference. My attorney is fully informed of the situation and prepared to hold you accountable for continued non-compliance. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 I am reporting a fraudulent inquiries found in my credit report
Product: Credit reporting or other personal consumer reports

I can't believe what I saw this morning! There were inaccurate accounts on my credit report, and I dont know where they came from. I always check my credit report, but today, for no reason, there were discrepancies. I even tried refreshing my browser to see if it was a glitch, but it didnt fix anything. This is why I need the documents Ive sent to be looked at carefully so I can finally stop worrying about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

Remove these accounts XXXX. Identity Theft Chapter XXXX Bankruptcy Case Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX  XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft SYNCHRONY BANK Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXXXXXX Account XXXX : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine XXXX. XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX  Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft U S DEPT OF ED/GSL/ATL Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

XXXX. Identity Theft XXXXXXXX XXXX XXXX XXXX Account Number : XXXX This is not mine.
Product: Credit card or prepaid card

There were multiple fraudulent charges on my Barclays credit card on XX/XX/XXXX & XXXX. Barclays flagged these charges and contacted me. I went through the charges with a Barclays representative and two of the fraudulent charges I noted were from a merchant called XXXX XXXX XXXX. There were two charges from this merchant - one on XX/XX/XXXX for {$30.00} and one on XX/XX/XXXX for {$30.00}. Barclays closed my account and issued a new card. Initially only one of the fraudulent XXXX XXXX XXXX charges was removed. So I called back and asked for the other charge to also be removed. The representative I spoke with assured me that it would be removed. However, instead of removing the remaining fraudulent charge, Barclays added back the second fraudulent charge. Barclays also sent me a letter stating that I had personally confirmed the validity of both charges. I called back multiple times attempting to get the two charges removed. Eventually, I was given two {$30.00} credits to compensate for the fraud charges, but Barclays never actually removed them or deemed them fraudulent. The following week another {$30.00} XXXX XXXX XXXX charge was posted to my account and back-dated to XX/XX/XXXX. So at this point, I had three fraudulent charges posted on my account. After calling Barclays, they issued another {$30.00} credit, but again wouldn't remove the fraudulent charge. Now this week, Barclays posted a fourth fraudulent {$30.00} XXXX XXXX XXXX charge, also back-dated to XX/XX/XXXX. At this point, I have no choice but to close the card. However, it is clear to me that Barclays has a relationship with the fraudulent XXXX XXXX XXXX merchant. They repeatedly refuse to remove these fraudulent charges and keep adding a new one every week. I don't understand how they can be so brazen about defrauding their customers.
Product: Credit reporting or other personal consumer reports

I am filing this complaint because XXXX and the

3 Credit Bureaus have violated several of my rights under FCRA 609 ( Inaccurate Reporting ) FCRA 616 ( Willful Noncompliance ) - FCRA 1681i ( Failure to Investigate Accurately ) - Additional violations : Chain of Title issues, proof of securitization, lack of verification, first date of delinquency, last payment amount, and written consent.

I am exercising my rights under the Fair Credit Reporting Act ( FCRA ) to ensure accurate and complete reporting of my credit information. This contain inaccuracies, including unverified late payments, and non-permissible purpose Statement of Fact - Permissible Purpose & FCRA Section 605 ( b ) : Under 15 U.S. Code Section 1681c-2 ( a ), the law mandates that a consumer reporting agency shall block and delete information resulting from identity theft within four business days, provided the information meets the requirements. I request the immediate removal of the following accounts during your investigation. Any attempt to rescind or stall my request to block this information, or any response stating a rescind clause under FCRA 605 ( b ), will be seen as evidence of willful non-compliance with the FCRA. 

Further Discrepancies - Late Payments : I have identified late payments that have not been fully verified as required by XXXX XXXX compliance standards. Failure to provide this specific documentation renders these late payments unverifiable. As such, they must be removed from my credit report, as they do not meet the requirements under FCRA for accurate reporting.
Product: Student loan

Since starting to make payments we are being billed twice a month now for interest. However, before we started to make payments it was only once a month.
Product: Credit reporting

I have tried to before and was successful with XXXX, but Equifax has not even updated my information but is sure to to put any negative. They have XXXX collections that are not mine, have wrong addresses, and when I try to dispute it said I had the wrong information.
Product: Credit card or prepaid card

On XX/XX/XXXX Several charges from an unknown vendor listed as " XXXX XXXX XXXX showed up on my Cash App. Multiple charges at various times totaling {$150.00} were debited from my account. I immediately contacted Cash App to alert them that the charges were unauthorized. Cash App responded hours later indicating to create a dispute. On XX/XX/XXXX additional charges totaling {$170.00} was debited in addition to the previous amount. An email regarding one of the amounts was returned. However, several of the charges have been denied stating " documents '' that were relied on. There are no documents, because I do not have knowledge of the merchant who I looked up is listed in XXXX XXXX. I have since reported my card lost/stolen and requested a replacement to prevent any further debits to the card. It has been a week and the card has not arrived timely nor has the funds been returned that was stolen. I would like to add that the funds that were stolen were needed as it was a stipend that was sent to me from the Department of Veterans Affairs. I am requesting a full return of the {$330.00} that was stolen. Finally, since canceling the card numerous attempts were made from this merchant as recent as XX/XX/XXXX for {$17.00}, XX/XX/XXXX {$17.00} and numerous other attempts. On the date of the debits amounts were attempted for {$340.00} on XX/XX/XXXX and {$170.00} on XX/XX/XXXX.
Product: Mortgage

I was told I could get a mortgage modification named Mid Point Law in XXXX XXXX California. They took {$4000.00} of my money upfront as a " retainer ''. I 've found out that this is illegal because of state statute SB94. They 've closed their doors and I can not contact them any longer.