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

I went into the XXXX XXXX Florida- Navy Federal location on XX/XX/2019 to open a new business account. ( In my possession I had my EIN number and my business is active and listed on the Secretary of State. ). My company is paperless, so I had it electronically in my phone- but as we all know SOS is available to anyone free online. 
I was immediately give a hard time by a teammate XXXX. She was beyond rude. She acted like she didn't want to open a business relationship, or lacked training. She didn't know what forms were needed or how to proceed. Then told me I HAD to produce paper copies of the documents, that she wouldn't print them. I advised her that my small business is paperless ... of course I am growing more irritated as she had given me a 9 page BOF form to complete via handwriting. She was quite condescending, which lead to me being stern about the discrimination I was receiving. Next thing I know the branch manager came over to lecture me and tell me to lower my voice. The worst banking experience EVER. My wife has been in banking for 14+ years and would never get away with treating a client that way, it was not client centric. When I got home, I wrote a formal complaint to the company via their secure website Confirmation # XXXX. I received no return message. Only a representative by the name of XXXX calling from XXXX - to further chastise me and tell my behavior is inappropriate. - And told me how I have to act, that I'm not allowed to be upset due to their laziness in the branch. That my feelings are not valid as a client. 

Fast forward to today, when I receive a letter mailed to me from Navy Federal that advised its due to a " recent incident '' at a branch. It continues to say that I exhibited unacceptable behavior. " In the event of any future incidents, you will no longer be permitted to enter ANY FCU branches for ANY Reason & We not act favorably on any request to reinstate this privilege. Citing that I abused the teammates. I am more than sure that there is surveillance and anyone can see that I did not " abuse '' anyone ... nor was I yelling, or screaming or acting any way of inappropriate. I am able to express my displeasure without being threatened. 

The company is discriminating against me and my small business.
Product: Credit reporting or other personal consumer reports

I have XXXX inquiries I did not consent BMO, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

The following account are claiming to both own the same debt, with a balance. As you know, this is not possible and also a violation my rights. Because ot this, BOTH accounts need to be removed from my credit report inmediately due to not properly validating the information in which a company has passed to you. Please delete inmediately. When the requested above deletions are made, please mail me an updated copy of my credit report you list account one and you list account two. 

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

On XX/XX/2020 I went to XXXX XXXX delivered a Cease and Desist letter telling them not to run my credit as a result my credit was ran multiple times.I try to address the concern with creditors letting them know the auto dealership violated the Cease and Desist order.I currently have a pending court case XX/XX/2020 resulting the violation of the Cease and Desist order.I try to contact equifax letting them know i want to all dispute after XX/XX/2020 because it was in violation of the desist.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am submitting this CFPB complaint myself, regardless of the multiple written requests, the fraudulent items listed below are still reporting on my credit report in violation of Federal Law. They failed to comply with Fair Credit Reporting Act, Section 605b within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. The following items are fraud that are needs to be removed : DEPT OF EDXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED/XXXX  XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$760.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX  XXXX XXXX Opened XXXX XXXX, XXXX Balance {$1600.00} ; XXXX XXXX Inquiry : XX/XX/XXXX ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; DEPT OF ED / XXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$760.00} ; XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$370.00} ; XXXX XXXX XXXX XXXX Opened XXXX XXXX, XXXX Balance {$3700.00} ; XXXX XXXX XXXX XXXX  XXXX Opened XXXX XXXX XXXX XXXX Balance {$1600.00}.
Product: Mortgage

I am in the process of buying a house in XXXX, NC. Unfortunately, I had a loss in the family for which I had to travel overseas. This coincided with closing. I got a Power of Attorney done as advised by the lender, Lennar Mortgage. The POA was prepared by an attorney. The lender, however, refused to use the POA citing concerns over their ability to sell the loan to investors. 

I had raised another complaint with CFPB on above. The lender replied citing concerns with the validity of the POA. To add more information, my closing date was XX/XX/XXXX and the earliest appointment I could get was XX/XX/XXXX at the XXXX for notarizing the POA. Hence I flew back to get the POA in time for XX/XX/XXXX closing. 

To placate the lender 's concerns over the validity of the POA, I offered another execution of the POA at the XXXX XXXX  in XXXX, XXXX. I have still retained my appointment at the XXXX. The agent would be my wife, and we can furnish a marriage certificate if that's what is needed. 

I am hard pressed to see any concern with the POA given the option to get it notarized at a XXXX with the agent as my wife. How is this not a blatant violation of the North Carolina Uniform Power of Attorney Act 32C-1-120?
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX Student Loans... Correct payment % to reflect 100 % not 39 % due to natural disaster. In the report details : Times 30/60/90 days late 0/0/13 is inaccurate and should reflect Times 30/60/90 days late 0/0/0. 13 late payments should not be reflected in this field. Worst payment status should reflect Current. Term should be 0 month. XXXX Currently on-time ; 13 Missed should not be listed? 0 % paid off should be listed. XXXX and XXXX has the correct payment history % correct at 100 % and does not have impact to my credit payment percentage.
Product: Credit reporting or other personal consumer reports

This is my MULTIPLE COMPLAINTS, there are still innacurate information and unauthorized inquiries in my CREDIT REPORT ... that need to be fixed, OR deleted. I thus ask that all of the false information listed in my credit file be corrected, and DELETED right now. 

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

The account has been repeatedly referred for collection by multiple collection agencies and has been investigated and removed multiple times. XXXX has removed the account, but XXXX continues to report it and refuses to provide information regarding what information is being provided to verify the debt. I have never had car insurance with this company. They are attempting to bill me repeatedly for one month of service in XXXX. I believe I requested a quote from this company and they fraudulently opened an account in my name instead.
Product: Money transfer, virtual currency, or money service

On XX/XX/2019 I attempted to send money to my husband the amount of XXXX using Zelle. The transaction was delayed for some unknown reason, when I noticed an hour later that the money had never been received by my husband I contacted Zelle, the representative told me because there was a glitch in there system it canceled the transfer and the money would go back into my account the next day. Well the next day came no money. I called them again and they said it depends on my bank who by the way is XXXX XXXX XXXX XXXX. So I called them and they said sometimes it can take up to 3-5 days so again I waited no money. I decided to do a claim with my bank at this point because Zelle is saying that my bank is holding the funds and my bank is saying Zelle never released the money back to them. I filed the claim on XX/XX/XXXX and was told by my bank to wait 7-10 days as I did on the 10 day I called my bank and to my surprise they hadnt even started my claim stating that I never attempted to reach out to Zelle, no one from my bank ever called me to ask any questions to know if I had contacted Zelle which I did a numerous of times. When i finally spoke to someone in the dispute department she said she would start my claim process on XX/XX/XXXX, but because of their policy its credit on credit received which means I wont get my XXXX back until Zelle sends them the money. Its been an entire month that I have been without my XXXX and my bank or Zelle cant seem to tell me where my money went. If you all can please help me in recovering my funds I would greatly appreciate it.
Product: Credit reporting, credit repair services, or other personal consumer reports

Collection company listed on my Lexis-Nexis Report ... ( Not Me ) Listed incorrect should be removed ..

XXXX XXXX XXXX Nor a XXXX ...

XXXX XXXX XXXX?

Amount XXXX?

Also ...

Address Listing Eviction Notice XXXX County. ( Not me ) Listed incorrect Should be removed ..

XXXX XXXX XXXX XXXX, NJ XXXX And other addresses listed below ....

Some one else, Relative?

All Above Wrong information allready removed from my XXXX, XXXX and XXXX Credit Reports
Product: Credit reporting or other personal consumer reports

NARRATIVE After reviewing my credit report in 2019 I noticed several unfamiliar accounts and a large loan I hadnt applied for. At first, I thought it was a mistake, but after contacting credit reporting agency, the truth hitsomeone had stolen my identity. The thief had used my personal information to open credit cards and rack up thousands in debt. I felt violated and overwhelmed, facing months of sorting through fraud claims and trying to repair my damaged credit. What seemed like a routine check turned into a nightmare of financial recovery and stolen trust. Finally accounts were removed except this One in particular XXXX XXXX XXXX, in the amount of XXXX dollars Account Number : XXXXThe thief created an falsified email, home address, phone number and also made payments to legitimizer the fraud.
Product: Debt collection

This account has been opened fraudulently. I had no knowledge of this account. I didn't open this account.
Product: Credit reporting, credit repair services, or other personal consumer reports

The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus don't have no written permission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if- ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

can go on and on The credit bureaus have no respect for the laws.

Someone needs to hold them accountable for this
Product: Credit reporting, credit repair services, or other personal consumer reports

these accounts I'm disputing are fraudulent, they do not belong to me, XXXX XXXX  was open due to fraud, my identity was stolen by XXXX and this account was open I want this account taking off my credit, if not I will demand arbitration or small claims court to resolve this matter immediately, im sending ftc identity theft report, do not ignore this complaint it acts the same as a police report, I have filed also complaint of fraud to the ftc. 

XXXX  XXXX credit card XXXX  XXXX XXXX card These two accounts are fraudulent, my name has been leaked on the dark web by XXXX XXXX and it has been compromised remove this account from my report, experian needs to its job and stop protecting companies that steals and uses consumers information illegally to open such accounts, I want these accounts removed and issue resolved I will not send any documents with information I have been advised by an attorney these companies have already compromised and used my information illegally to obtain accounts by using my information fraudulently do not ignore this complaint because it will be used in court to show proof I have sent a ftc identity theft report or I can I also use this In arbitration, now resolve this matter before I seek legal action against XXXX XXXX, XXXX XXXX for fraudulently opening these accounts
Product: Mortgage

my mother passed away and bank refused to continue to take our payment until i was able to get home owner ship put into my name during the time they refused our payment i did all they requested of me i reached out to them and they put use in forclosere witch i had to fight the court case the judge stayed the forcloser to allow us to speak to bank to do modification how ever the bank is not very helpful they are not responsive to me only reason we are in these problem is because they wanted us to take over full owner ship witch we did we also have all documents to show we can pay loan we are just asking the bank to not keep us in court and really help us to resolve these matter all we are going through is based on the banks advice we did and are still doing all they told use to do please help me to resolve these matter
Product: Credit reporting, credit repair services, or other personal consumer reports

Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent account in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any account listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the account which does not belong to me or was opened without my permission. 

XXXX XXXX XXXX  ( Original Creditor XXXX XXXX XXXX XXXX - XXXX ) XXXX Balance : {$300.00} ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than XXXX business days after the date of receipt.
Product: Debt collection

I have a debt reporting across all 3 bureaus under the name of L J Ross Associates IN under the Account # XXXX. I have done no business with L J Ross as well as I informed them that my identity was stolen a few years ago in which required me to have setup fraud alerts across all 3 of my credit bureaus. It is illegal for L J Ross to spam me with letters, phone calls, and even send representatives to my doorstep. I need the CFPBs help in stopping this illegal activity right this instant or I will pursue legal counsel.
Product: Credit card

A renewal credit card with same card number but different expiration date was issued on XXXX XXXX was not in my possession. This credit card was lost/stolen in the mail. According to TD Bank fraud representative the new credit card was activated on XXXX XXXX no details was given on how the perpetrator activated this credit card. Immediately after activated, consecutive unauthorized purchases were made from XX/XX/2024 to XXXX XXXX in the amount of {$830.00}. On XXXX XXXX I opened the my TD Bank app and noticed unauthorized charges from my card and immediately contacted TD Bank to block the card and dispute all the charges. 
On XX/XX/2024 I contacted TD Bank fraud representative and was told that my dispute was reviewed and denied. I asked the reason why and they told me that the chip card was in my possession during an in-person transaction. 
On XX/XX/2024, I dropped by TD Bank XXXX XXXX XXXX. Branch to request a copy of the denial and ask for requirements to file a Police report. But, they only provided me with copy of denial, bank statement with identifying unauthorized transaction and affidavit of fraud were not provided. I also learned that new issued credit card does not need activation, no longer need to enter XXXX digit pin or social to activate this credit card, whoever holds this card can use it once received.
Product: Mortgage

I have a mortgage loan with Rocket Mortgage. I requested a modification to the title because of an boundary line adjustment. The title company required a modification. They won't process the modification unless I refinance the loan. I paid for the additional land with my own proceeds and do not require a loan for the additional property. 

This has significant financial implications. The cost to refinance is close to $ XXXX and would require me to restart my loan to Year 1. I don't have the means to shorten my loan to 15 years. So I will now have to pay more interest and increase the balance of my loan in exchange for a simple modification to the title showing a new boundary line. 

What should be a simple modification to the title to show that my lot has gained 75 feet -- it is literally moving the line on the map plot. There is no risk to Rocket Mortgage, in fact, the value of the property appreciates due to the addition of more land. 

People should not be forced to change their entire financial plan, go further into debt, to accommodate this type of policy. Please help.
Product: Credit reporting, credit repair services, or other personal consumer reports

There are inquiries on my credit report that I did not authorize nor do I have any knowledge of them.
Product: Credit reporting, credit repair services, or other personal consumer reports

Recently, i did an investigation on my credit report which caused XXXX XXXXXXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that the 3 credit agencies didn't make sure was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and under 15 U.S. Code 1681 ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, i request to know all the steps they took to insure that these items were 100 % accurate under 15 U.S.C 1681i ( 7 ) -Method of verification In accordance with the Fair Credit Reporting act these following accounts have violated my rights- XXXX XXXX : Acct # XXXX XXXX  XXXX XXXX XXXX Acct # XXXX 15 U.S.C 1681 section 602 A. States i have a right to privacy.

15 U.S.C 1681 section 604 A. Section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an unsolicited credit card from CBNA/Sears and it shows a balance of {$67.00} that is now showing up in all three credit bureau reports as a new account. I received the card in the mail and called them immediately to cancel it. They told me that they did. I did not apply for a credit card, I did not purchase anything for {$67.00}, so this is a fraudulent transaction.
Product: Credit reporting or other personal consumer reports

There are a few requests that i never requested and when I reached out no one got back to me. 

cap one na applied XX/XX/XXXX jpmcb applied XX/XX/XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have disputed the late payments on this XXXX XXXX account for months. XXXX and XXXX  have reversed them but TransUnion is refusing too. Not to mention they will not give me an explanation as to why they wont overturn or fix this erroneous inaccurate claim that has affected my credit score tremendously. Under the FCRA ( Fair Credit Reporting Act ), a lender, financial-institution and/or credit card company cant treat a payment as late if it was received by XXXX XXXXXXXX on the day that it was due. If the due date was not a day on which the card company receives or accepts mail ( for example, Sunday or a holiday ), the card company can not treat a mailed payment as late if it was received by XXXX XXXX on the next business day. CFPB please step up and fix this ASAP please Im looking to purchase a home.
Product: Credit reporting, credit repair services, or other personal consumer reports

In XXXX, I had some fraudulent activity happened on my credit report. I went through the proper channels of getting that police report and placing a fraud alert on my credit file that states to contact me before proceeding with pulling my credit.. I pulled my Trans union credit file XX/XX/XXXX and noticed inquiries on my account some I recognized him I didn't. All inquiries made in XXXX I disputed besides XXXX XXXX XXXX XXXX AND XXXX XXXX with Trans union. I wrote them by mail with my dispute letter stating my issues, provided a utility bill and a copy of my driver 's license, also copies of my phone records of the days and which my credit was pulled without my consent and the company 's at question not abiding by my fraud alert on my account. Trans union replied with a letter XX/XX/XXXX basically explaining what a inquiries was not responding to any of my issues in my letter. I contacted them today XX/XX/XXXX and after I began explaining to the agent my problem he just disappeared. The line didn't hang up he just stopped talking. I called back and talked to someone again and he was trying to tell me I had to write in to dispute this issue and was not understanding that I already done that. So now I'm contacting you.