23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

QWR Notice of Error in response to letter dated XX/XX/XXXX In XXXX had to file a Chapter XXXX Bankruptcy case XXXX. On XX/XX/XXXX I entered and signed an agreement with XXXX XXXX XXXX XXXX to reduce the amount of my loan on by {$51000.00} to {$25000.00}. This agreement was filed on XX/XX/XXXX and entered into the Federal Bankruptcy court on XX/XX/XXXX Docket XXXX. Seterus failed to placed the {$51000.00} in the class 7 claims and by not doing so was discharged at the confirmation of the plan. Seterus failed to adjust the loan to match docket XXXX asking for discharged debt on my monthly statements as " Interest Arrearage '' and in a payoffs. Seterus did adjust the loan on XX/XX/XXXX only after Seterus had violated the bankruptcy code and FDCPA. Seterus during the bankruptcy stay placed forced place insurance on the loan raising the monthly payment not to comply with Docket XXXX when in fact the property insurance was up to date and on file with the Bankruptcy court and only needed to be petitioned. Serterus in XXXX paid off a 3 year confirmed bankruptcy tax plan that per the confirmed plan under Class 5 ; Claims for Real Estate Taxes the plan states that the payments were to be made according to the agreed tax payment plan between the debtor and treasure. Seterus did not let this happen paid them off and then demanded the amount in full.
Product: Credit reporting or other personal consumer reports

I did not consent to, or authorize nor benefit from any of the following Inquiries. Block and remove it. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Bank account or service

I was a member with Navy Federal Credit Union. When i was late on payments, they would withdraw whatever funds i had in my account, freeze my accounts until the late payment was paid, and call me over and over again multiple times throughout the day. After having my account frozen and overdrawn plus adding overdrawn fees added to my account, i could no longer keep my checking accounts with Navy Federal Credit Union. I tried to make things right with them but with all the fees added to my checking account, they made it impossible to considering the account was overdrawn because i was late on a payment and they froze my accounts and took whatever funds i had in the account. When i would talk to them on the phone in attempts to make payment arraignments, they would insist that i needed to take on multiple jobs such as mowing lawns and babysitting to come up with funds owed. I once got a call on my work line which was never given to them and that individual who called threatened to tell my employer of my debt issues.
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 XXXX5 USC 1681. 


Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account NumberXXXX Account NameXXXX XXXX Account NumberXXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX Account Number : XXXX Account Name : 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.
Product: Mortgage

Quicken Loans Inc . 
Account # XXXX XXXX XXXX ( XXXX ) XXXX 2016, I had my insurance change my policy to lower my home owner policy. 
This lowered my payment, the insurance company refunded me {$52000.00} by check and I forwarded the check to Quicken Loans as request by them. They sent notice of shortage in my escrow account. They requested a payment of {$470.00} or {$1000.00} ( monthly ) from {$960.00}. I called Quicken Loans spoke with supervisor ( XXXX XXXX ) on XX/XX/2016, who forward a request to ( XXXX XXXX ). After several phone calls from her, we agreed to leave the payment the same till a review in XXXX. This agreement was due to lower insurance rate, taxes and the mortgage insurance would fall off in XXXX and all accounts had been paid for the year. 
I was notified XX/XX/2016 my payment had increased to {$1000.00}. 
After email to XXXX XXXX, she replied I misunderstood that such was not the case, and they would review it again in XXXX. I would have to pay the {$470.00} to escrow or make the Payment of {$1000.00}. 
There is no justified reason for this request ... .. 
XXXX XXXX.
Product: Credit reporting or other personal consumer reports

When I reviewed my credit report, I discovered that these items were erroneous. The credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items need to be investigated and deleted for erroneous reporting in my file are listed on my credit report : XXXX XXXX XX/XX/20XXXX XXXX XXXX XXXX XXXXXXXX
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple over draft fees I have incurred. Dispute have significant funds when transactions where authorized, I was charged fees due to lagged posting of charging and credits. This issue aligns with the recent XXXX finding against Navy Federal for similar practices, where transaction settled with insignificant balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX hours between XXXX pm. I contacted the credit bureaus & creditors about unauthorized use of my personal information to creditors.
Product: Credit reporting or other personal consumer reports

EXPERIAN REINVESTIGATION REQUEST NOTICE XX/XX/2024 EXPERIAN HAS NOT COMPLETED A RE-INVESTIGATION AND STATED THAT THE BANKRUPTCY LISTED HAS BEEN VERIFIED. PLEASE PROVIDE PROOF OF VERIFICATION.

The U.S. Bankruptcy Court for the Northern District of Georgia stated that they did not provide information to any 3rd party or reporting agencies and neither did I XXXX XXXX provide information or give them permission to report information. I dispute the validity of the debt that you claim I owe and request that you provide verification of the debt.

I received a copy of my credit report and noticed inaccurate Information reporting. Pursuant to, 15 USC 1681, Accuracy and fairness of a credit Report. According to the law, before any information is inserted to my consumer report, it must be accurate and fair Information reporting.

EXPERIAN is currently reporting negative information as a violation to federal laws.

ANY CREDITOR FURNISHING INFORMATION TO A CREDIT REPORTING AGENCY MUST PROVIDE A SIGNED DISCLOSURE FORM FROM ME THE CONSUMER STATING THAT I THE CONSUMER GAVE THE CREDITOR PERMISSION TO REPORT. ( 15 usc 6801 Protection of Non- Public Information ) PLEASE PROVIDE THE DISCLOSURE FORMS RECEIVED IN YOUR INVESTIGATION WHEN ACCOUNTS WERE FIRST PLACED ON MY CREDIT REPORT.

15USC 1681 B PERMISSIBLE PURPOSE OF CONSUMER REPORT.

AS A CONSUMER REPORTING AGENCY YOU ARE SUPPOSE TO GET WRITTEN INSTRUCTIONS FROM ME STATING THAT IT IS OK FOR YOU TO REPORT ON MY CONSUMER FILE. YOU DID NOT GET PERMISSIBLE PURPOSE FROM ME THE CONSUMER TO REPORT ON MY CREDIT REPORT.

THE INFORMATION REPORTED ON MY REPORT IS NOT FOLLOWING THE INDUSTRY STANDARD CODE.

HOW WAS THE INVESTIGATION CONDUCTED?

PURSUANT TO 15USC 1681A ( E ) INVESTIGATIVE CONSUMER REPORT YOU MUST PROVIDE ME PROOF OF THE INVESTIGATION.

I'm aware of my rights and according to the Fair Credit Reporting Act, I have the right to challenge anything and everything that I'm unsure of. I am demanding that you reinvestigate this account immediately. If you can't provide proof of the reinvestigation, these accounts must be deleted according to 15 USC 1681 i, ( Treatment of Inaccurate or Unverifiable ). In general, if after any reinvestigation under paragraph 1, of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall promptly delete that item of information from the file of the consumer. The law is very clear as to civil liability and remedy available to me. Furthermore, failure to honor this reinvestigation will lead to you being responsible for {$1000.00} per violation. Thank you for giving this your prompt attention.
Product: Mortgage

My existing mortgage companies escrow department was asked by my new lender for a pay off statement, they then froze my account without telling me which allowed my taxes to become delinquent, I was then fined {$170.00} by XXXX XXXX. 
From what Ive been told by people in the industry this is illegal and that they have an obligation to pay the taxes that they have collected from me right up till money is transferred.
Product: Vehicle loan or lease

I have a XXXX loan with Bridgecrest that I was trying to pay off and they keep adding a balance to my account. My XXXX day payoff amount was given XX/XX/XXXX my check was sent XX/XX/XXXX through my bank in form of an electronic check. 
The check wasnt received until XX/XX/XXXX according to Bridgecrest. During this time I was in contact with Bridgecrest on several occasions and they were trying to locate check. They said it could take up to XXXX weeks for the check to reflect my account once received. I went to check on how to get my title I was told I had a balance of XXXX some dollars. I told them I had paid the payoff amount I was told and shouldnt owe anymore. They then said they would send it to their team that would investigate. I got an email about my account and now after investigating they are saying I owe XXXX. I have never been late on a payment. I just want to be done with them but I am being held XXXX.
Product: Student loan

I cosigned for a loan with my daughter through Earnest.

Although shes on automatic payments twice now Earnest has called me ( without speaking to her ) demanding I immediately pay the amount due.

The first time I paid it but this time it had a scammy feel to it ; she was actually here so I told the woman on the line I was talking to my daughter first and hung up.

Theyre way too pushy and I think they should contact the borrower first if there isnt a chance of default. Shes days late and on automatic payments!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have the XXXX XXXX app to keep track of my scores. I recently logged on and saw several unknown suspicious accounts that use to be open under my name and social. I also saw several recent inquiries. Seems like the same person who took my identity to open these accounts is trying to continue to open more accounts under my name because my credit was ran a couple of time. These accounts and inquiries were not made by me. Please take these unknown items off my report. 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: Checking or savings account

I have been asking the 5/3 bank so many time to close the account # XXXX by writing to them and calling them. The reason is that I moved out of their service area from XXXX  to XXXX where no any 5/3 branches exist. However, the banker insisted that I have to come into the branch which is 1000 miles away. Then they ask me to write to them, so I sent them the letter a few weeks ago. Still no response.
Product: Debt collection

This is a formal complaint against MSCB INC for attempting to collect a debt that does not belong to me. On XX/XX/2021, I received a letter from MSCB INC, stating I had a past due balance of {$96.00}. This letter was sent to me in error as I am not XXXX XXXX XXXX. Also, I do not have any outstanding balances with " XXXX XXXX XXXX. '' Per the FDCPA, collection agencies have to send a written notice of debt to consumers before reporting the debt to the credit bureaus. The letter must contain the following : " ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; '' ( 3 ) Thirty days to dispute the validity of debt upon receipt of the notice ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. '' I request MSCB cease from contacting me regarding this invalid item as it does not belong to me.
Product: Mortgage

This continues original complaint XXXX. 
Chase indicated that the RMA and supporting documentation has " expired ''. How is that possible without completing the application process? All documentation requested was provided. No one has contacted me to follow-up. I am not sure what I have to do now. Re-start the entire process all over again??? This process is awful and clearly shows that Chase is unwilling to help their customers in need. I have been trying to get this resolved for over 4 years and can not believe that this is still going on. Not XXXX person from XXXX XXXX office has responsed. What does a person have to do to get some part of their life back??? Please help. I implore you ...
Product: Debt collection

I received notification from National Credit Systems , Inc. that I had an outstanding balance with XXXX Apartment Houses- XXXX, OH and an invoice for the outstanding balance was sent via mail in XX/XX/. I did not receive an invoice nor any other form of communication from XXXX ( of which they possess my phone number and current address ). I directly called XXXX corporate office in XXXX, OH and left a voicemail message stating I had been turned into a collection agency without receiving any type of communication from the property manager/corporate office. I immediately received a telephone call from the property manager ( XXXX XXXX ) during which she informed me that I did not give proper 30 days notice of my vacation. I have a series of emails and phone records during which she and I discussed my current living situation. I received text messages and even visited with XXXX on the day I vacated the property once my professional cleaner performed her duties after the movers packed up my belongings. During my last phone call with XXXX in XX/XX/, she informed me that she would get back to me after speaking with the corporate office. I did not receive any communication of any form from her or XXXX. 

I have had multiple conversations ( of which I have dates and email correspondence with XXXX XXXX of National Credit Systems , Inc. ) during which I was told she would follow up with XXXX for additional details and to await for further information. I did not hear back from XXXX following my last conversation with her on XX/XX/. 

Since then, my credit score has suffered a significant hit because of the reporting of National Credit Systems, which I want to be rectified for this lack of communication and misrepresentation of my non paying a supposed final balance. 

All email correspondence is available, as well as dates, times and participants of telephone calls regarding this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

I reviewed my credit report and noticed my credit was pulled by Rise. I never used this company for any services or applied for a loan with this company.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. I am tired of sending dispute letters to Transunion requesting that they correct this erroneous account being reported on my Credit File because they have been doing nothing! This complaint is to follow up my previous complaints and letters I submitted on XX/XX/XXXX and to inform them that I am halfway of taking legal action and sue Transunion for their willful non-compliance of the FCRA statute. Only if they chose to update and correct the account on my Credit report, then I may stop filing lawsuits against Credit reporting agencies. The account that should be corrected is : XXXX XXXX Late Date XX/XX/XXXX
Product: Student loan

All of my student loans are showing original principals lower than the ones I am seeing as current principals. Why am I being charged hundreds more in principal than what I originally took out. For example, one of my loans is saying the original principal and amount taken out was {$2000.00}, yet the loan 's current principal is {$2100.00}. How? 

Also, why is it that my loan has remained over {$15000.00} when I have been paying on time and for 5 years? A rough guesstimate shows I 've paid over {$4000.00} in payments and yet it does n't appear that I have. I have never defaulted on payments or skipped a payment. I have paid off 2 car loans in these 5 years, which shows that I am making payments and progress on those, yet my school loans show no progress. Why? 

I would also like to know why it is that I am not allowed to pay more up front for my loan and why I ca n't decide where my payments go.
Product: Checking or savings account

A few months ago, I went into a XXXX XXXX XXXX ( XXXX, CA ) to close an account due to suspicious activity on my debit card. This transaction was successful. However, a month later, I began to have problems with my new account with merchants not being paid. It is returned when I make a payment because the account is not found. XXXX, my highest Creditor, charged me a fee and dropped me as a client for being late, and too many returned payments after five ( 5 ) years without ever being late. My employer notified me they could not deposit my check directly if I did not submit a new bank account. I did not have to inform anyone of the changes to my account because it automatically switched over. I know this because I have done it in the past. If I change my account and want someone removed, it is a fee. I have had plenty of opportunities to correct this matter. The IRS has now contacted me, stating that my payment was retracted from my bank. I DO NOT NEED IRS PROBLEMS!
Product: Credit reporting, credit repair services, or other personal consumer reports

I have this accounts that does not belong to me and i want it to be remove from my credit report. 

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

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

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

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

5. Identity Theft 12 CAPITAL ONE NA Account Number : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I sent formal complaint to the three credit bureaus Experian, XXXX and XXXX requesting all documents be sent to me to verify this account on my report. 
XXXX. XXXX XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX SEND ALL Valid Documents used to verify this account as being accurate I have not gotten a response and i followed up with a failure to respond to these companies as well the initial letter is attached and the failure to comply. They had ( 30 ) days to complete investigation and have not replied and under federal law they are required to delete this information.
Product: Debt collection

Reported on my credit report a new debt but has never sent a letter or provided me with any communication or information about the said debt. I would need Information like the dates of the original debtor to know if its even my debt. Since my SSN and other personal information was compromised during a data breach.
Product: Credit reporting, credit repair services, or other personal consumer reports

Please note, this is a not a duplicate complaint and I'm not using any third party for this matter. The account that I'm disputing in litigation : XXXX XXXX XXXX Account Number : XXXX. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW, 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exist. 
I have contacted the Creditor for this matter and they confirmed, that TRANSUNION NEVER SENT ANY REQUEST FOR THIS MATTER.
Product: Credit reporting or other personal consumer reports

On XX/XX/year> I disputed fraudulent accounts XXXX also attaching proof of address etc I disputed with XXXX & Equifax via XXXX mail with proof of identity theft In which according to section. 605 b of the fair credit reporting act those accounts disputed should have been removed within XXXX buisness days however they were not in which XXXX & Equifax decided not to properly investigate and remove those items nor did they take my identity theft into a serious matter this has caused emotional distress so now I have no choice but to XXXX XXXX. & Equifax both for {$XXXX} each for damages they have caused I will also like to add they have also violated the fair credit reporting act clause in which thats also a legal violation under the fcra law if these accounts do not be removed in XXXX  days i will file a legal suit also I may want to add if both parties XXXX & Equifax do not send out my {$XXXX} emotional damage check I will sue as well
Product: Credit reporting or other personal consumer reports

Ive noticed that my credit report contains incorrect personal information, which has led to the appearance of an unknown and inaccurate account. As a victim of identity theft, my personal information was fraudulently used, resulting in this item being added to my credit report without my involvement. Following instructions from TransUnion, I filed a report with the FTC and submitted it, but this fraudulent item still remains on my credit report. This fraudulent item has been previously deleted off my credit report and was shocked to see it reinserted without my knowledge, this is really insulting and a blatant violation of my rights as a consumer.