23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

I have a car loan with navy federal. I communicated and arranged to make a payment on or before the XXXX of XXXX. ( Navy federal claims that if you community with them that they will work with you. Its only when you dont communicate with them that theyll assume you are not going to pay. ) I never had a 30 day late fee ; seven if I was late. 1. Because a 30 day late fee is only after youve been late 39 days. I paid {$1400.00} on the XXXX of XXXX. The payment processed on XX/XX/XXXX. XXXX now current, yet I get a 30 day late on my credit report for XXXX. My car payment is due every XXXX of the month. Again navy federal has never gave me a late fee. But lately they have been picking in choosing how they manage accounts. ( Like one time I scheduled a payment on the mobile app and they still garnished my money to pay on my car. In when I called the said even though I made an arrangement on there that I have to still call. However that never was so, but now its changed. ) When I called on the day I disputed the 30 days late for XXXX, the loan agent explained that it didnt matter if it wasn't a full 30 days. They report at the end of every month. In so what Im getting from this statement is that companies and banks like navy federal can report information on your report before 30 days. Or wherever they feel like it. So I disputed it with the credit bureau. In it came back today XX/XX/XXXX as update with only a check for XXXX and the 30 days is still there for XXXX. Why is something like a credit report is in place? Yet manipulated in twisted to the companies advantage. In its okay to give an explanation such as the one she gave ; in Im supposed to be okay with it!? If you have 30 days before you are late then it should be report on the XXXX day or after. And if you didnt report it, there should a time frame to do so. People are being deliberate and personal in their actions now a days. Manually doing underhanded stuff before they have the power. I my here is nothing in place to stop it. Ive sent in supporting documents to show my payment wasnt 30 days late from XX/XX/XXXX to XXXX when the payment was processed, but 19 days. I just hope navy federal can have some integrity in stop doing customers like they do. Then using the system maliciously to discredit you.
Product: Credit reporting or other personal consumer reports

This is my numerous request to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, remove the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
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 XXXXXXXX XX/XX/year> XXXX XXXX  XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$6800.00} XXXX XXXX XXXX XXXX XXXX {$6800.00} XXXX XXXX Balance : {$3400.00}
Product: Credit reporting, credit repair services, or other personal consumer reports

MicroBilt Corporation/Payment Reporting Builds Credit ( PRBC ) XXXX XXXX XXXX XXXX, GA XXXX Attention : CONSUMER RELATIONS I.am writing you to REMOVE the security Freeze on my Consumer Disclosure report. Under the Fair Credit Report Act, you to comply. I know that your company will need some sort of verification to prove my identity. My information is clearly shown below : see attached verification MY FULL NAME : XXXX XXXX MY SOCIAL SECURITY NUMBER : XXXX MY DATE OF BIRTH : XXXX MY CURRENT PHONE NUMBER : XXXX MY EMAIL ADDRESS : XXXX After this SECURITY FREEZE has been removed please send me written confirmation to the address listed above and via email due to snail mail! 
Thank you for your assistance in this matter.
Product: Mortgage

I refinanced and paid off my mortgage with PenFed on XX/XX/2020. On XX/XX/2020 I was denied access to my on- line account. I was not able to pull up any information at all. I repeatedly contacted PenFed requesting my access be returned. They initially told me this is what happens when the loan gets paid off. The account is closed and you can no longer access it. Subsequently I was told that this was an error and it is not normal for me to not have access after payoff and they are working on it to return my access. Most recently I was told again that this is normal and I will not gain access to my account. Penfed recently went thru a major digital platform upgrade with many, many issues including incorrect information provided, late mortgage statements, incorrect and concerning wire confirmations. I received a wire confirmation regarding {$5000.00} and believe it was an error. There was no identifying account information and I was not familiar with sender or receiver. I raised my concerns multiple times about this wire confirmation document and wanted confirmation this money did not come from my account. No one contacted me regarding this document or my concerns in the past week.
Product: Credit reporting or other personal consumer reports

Under XXXX XXXX XXXX ( a ) ( XXXX ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( XXXX ), before the end of the XXXX period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>
Product: Debt collection

Rent Recovery system sent me a letter in XXXX of 2020 stating I owed Rent to XXXX  XXXX  I wrote back to Rent Recovery asking for verification of this debt because I never lived in those Apartments. Rent  Recovery said that they validate the debt I asked how did they verify the debt and asked for documentation showing I owed the debt they sent a move out summary which doesn't satisfy the requirements of the FDCPA
Product: Checking or savings account

On XX/XX/XXXX I mistakenly tried making a transfer to a relative through ally 's transfer system which doesn't allow transfers to accounts that aren't in your name. 

This got my online account and debit card blocked as it was flagged for fraud on XX/XX/XXXX. They sent me an email to call them to verify my identity which I did. 

From that date I have been calling daily, verifying my identity and answering all the questions. To this day they haven't reinstated access to my money and they refuse to give me an estimate time of when it will be resolved. 

I understand the antifraud system, and I welcome it but it taking so long it's unacceptable. I need my money to pay my bills
Product: Credit reporting, credit repair services, or other personal consumer reports

Worried about an accidental disclosure of my personal information, I placed a global freeze on mycredit reports at each of the three credit bureaus a little over two years ago with no trouble. Now, I am  hoping to purchase a home and am in the process of seeking pre-approval for a mortgage with a lender and have been unable to temporarily lift my freeze with Equifax or contact any representative of the company despite multiple online and phone call attempts. On XXXX XXXX, 2017, I successfully lifted my credit freezes at XXXX and XXXX with each in less than 3 minutes. However, on this same date, I spent over 2 hours trying to process the same temporary lift with Equifax without success. When attempting the temporary lift with Equifax online, I was told it can not be processed online and the only option is to mail in my request -- no customer service representative number was offered. I tried calling the automated Equifax line related to credit freezes, ( XXXX ) XXXX, and was given the same response : that I could mail in my request, and no offers to connect me with customer service was offered. I then searched for alternate numbers to simply try and get ahold of a human being, and tried the Business Member line, XXXX, onwhich I followed the instructions on the automated message line according to my needs as a Personal Credit holder, only to be repeatedly disconnected before speaking with anyone. Thinking that I may have success on the Business Member line entering alternate member needs to simply get a hold of someone who could transfer me, but I repeatedly came to " dead ends '' where the automated message suggested I check Equifax 's website or ended my call. I 've had no success and hope the CFPB can help resolve this by identifying a real contact at Equifax and, more importantly, ensure that Equifax and its customer support is more accessible to individuals moving forward.
Product: Mortgage

My husband 's employment contract was revised at the end of XX/XX/XXXX. He was worried that his job was being eliminated, so he notified our mortgage loan servicer, Caliber Home Loans ( trustee for XXXX XXXX XXXX XXXX ) of hardship and asked for Loss mitigation application info. He made mortgage payments until the end of XX/XX/XXXX at which point he lost his job. The XX/XX/XXXX., and XX/XX/XXXX. payments that he made were not credited to our mortgage. My husband was told not to pay anymore payments until loss mitigation was submitted. One payment was returned to us and there is a partial payment still sitting in our account that was never applied. Loss mitigation paperwork was promised on the numerous times my husband called requesting it, but never received despite the promises. Caliber Home Loans lied to us. On XX/XX/XXXX, we were served in person with a foreclosure summons. We did not receive a 90 day pre-foreclosure letter by certified or registered mail. We did not receive housing counselor information either. We contacted the NYS Attorney General 's office and eventually was referred to XXXX  XXXX XXXX, a law firm that is representing us in the foreclosure case. We are currently in the settlement conference phase. My husband is now gainfully employed and prepared to resume payments, but Caliber has adjourned twice already.
Product: Mortgage

CONTACTED : Current Mortgage company Mr. Cooper DATE : XX/XX/XXXX REGARDING : Mortgage payments not being reported to credit bureau for past 3 yrs and bankruptcy status not correct/updated. 
CONFLICT : Trying to re finance with a different lender and missing payment history effecting credit score and account incorrectly shows bankruptcy status. 

Telephoned Mr. cooper to inquire about this missing information/status on my credit report. They stated it was due to my loan not being reaffirmed when i had a discharge bankruptcy inXX/XX/XXXX. First ... My mortgage was not included in the bankruptcy. Secondly..they continued to report to the credit bureau after that discharge and up to XX/XX/XXXX, which is 17 yrs. But abruptly stopped then. 
They stated that although they are the same company, but changed names inXX/XX/XXXX, from Nation Star, their terms changed and that why they stopped reporting. Finally their only solution to this problem was to provide me only a proof of one year history of payments and or refinancing with them to continue reporting. 
This has turned out to be a very stressful situation when we have not only not included the loan in the bankruptcy that should have came off sinceXX/XX/XXXX!! 7 yrs later and have been current with our payments all along. My bankruptcy lawyer stated that it is not a obligation to file a reaffirmation during the bankruptcy and also why is this still effecting my credit when it has passed the 7 yrs and should already be removed. 
Thank you for your much appreciated assistance. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX and XXXX I sent ( via certified mail ) XXXX, XXXX, and Transunion my FTC reports along with a copy of my driver 's license and the US Code 1681c-2 - Block information resulting from identity theft US Code XXXX
Product: Debt collection

original debt XXXX XXXX credit. 
over 7 years passed, XXXX XXXX charged off debt. 
portfolio recovery is still reporting to credit agencies way past the time allowed.
Product: Credit reporting or other personal consumer reports

Hard inquiry that I did not authorize from XXXX XXXX.no account was opened, but the inquiry was made.
Product: Credit reporting or other personal consumer reports

According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items that are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Debt collection

Im frustrated because yesterday I woke up and my credit points was on XXXX and yesterday when I check my crdit its on XXXX and Im very frustrated and feel bad because I always take care of everything that its on my name and when I check in my credit app I see XXXX XXXX  AND A OTHER COLLECTION COMPANY put me a debt that I really dont owed I gave all the equipment back to them every time I move and I feel its a FRAUD because I call the collection company ( SEQUIUM ASSET SOLUTI ) and they ask my information and I gave them and they said that the social security number that I provide its wrong and my birth information THEY TAKE ME XXXX POINTS OUT OF MY CREDIT FOR SOMETHING THAT I DONT OWED I NEED HELP ON THIS SITUATION
Product: Credit reporting, credit repair services, or other personal consumer reports

I was a victim of Identity Theft. Per the Fair Credit Reporting Act Section 605b ( a ) ( 2 ) you are required to remove any accounts opened without my knowledge, consent, or authority. Also in addition to Section 1681c-2 ( a ) you are required to block any information in the file that I have identified that resulted from identity theft. The following items need to be removed and blocked as they are fraudulent. 
1. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
2. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
3. The inquiry was not authorized XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
4. The inquiry was not authorized XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
5. The inquiry was not authorized XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
6. The inquiry was not authorized XXXX Date of inquiry : XX/XX/XXXX As A Consumer By Law This Inquiry Must Be Removed Immediately. 
7. there is some inaccurate information reporting. 
XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
8. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 
9. The following personal information is incorrect Account Number : NAME : XXXX XXXX XXXX 10. The following personal information is incorrect Account Number : ALSO KNOWN AS : XXXX XXXX 11. The following personal information is incorrect Account Number : EMPLOYER : XXXXXXXX XXXX 12. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX 13. The following personal information is incorrect Account Number : PREVIOUS ADDRESS : XXXX XXXX XXXX, SC XXXX
Product: Checking or savings account

I was surprised to find out that chase had Close my checking account without warning. I was traveling over XXXX holiday 2020. I received a notice on my Chase mobile app that fraudulent activity had been suspected and for me to contact them. I did contact them and the account was made available once more. Then, two days later I received the same notice. I called customer service immediately and she said that my bank was closed. That Chase was not obligated to tell me why it was closed. They would hold my funds for approximately nine days and then send a paper check of any remaining monies to my home address. Upon returning home to XXXX- I went into my branch and spoke to the assistant manager named XXXX . I told him what had happened and also explained that I had purchased using a app. XXXX. I was just simply curious about it, so I downloaded {$2000.00} into a bitcoin account and was notified by XXXX that that particular app did not work in my region. So I put the money back into my Chase account. Thats approximately when my account was frozen the first time. I didnt put two and two together. 
I then downloaded a different bitcoin app, one recommended by a friend and put my money into it. I simply did it to see what it was all about. Within two days I realize this wasnt for me, and returned my money into my checking account. Those are all legal things to do. 
I dont know if it had anything to do with chases decision to close my account But either way I would like for you to investigate. Now I have my retirement and my XXXX check going into an account That is closed. Both of those institutions will move my Payments until XXXX. This means I have nothing to live on for the month of XXXX. Please help My account with chase is Routing number is XXXX My account number is XXXX My name. XXXX XXXX my phone number is XXXX My address is XXXX XXXX XXXX XXXX. 
XXXX co XXXX
Product: Credit reporting or other personal consumer reports

XXXX Experian notified me they are still working on the issue that they stole NOW almost 19 months of on time never late payments to XXXX and refuse to give them back. Experian states that my payment history is 35 % of my credit score AND I SAY EXACTLY SO IMAGINE WHAT MY CREDIT SCORE WOULD BE IF EXPERIAN PUT BACK THE ALMOST 19 MONTHS OF ON TIME NEVER LATE PAYMENT HISTORY TO CENTURYLINK THAT THEY STOLE TO KEEP MY SCORE LOW TO PUSH ALL THESE WORTHLESS CREDIT CARDS
Product: Debt collection

In order to get my new policy I had to {$150.00} plus {$35.00} in fees and I paid XX/XX/22 Payment credit card of {$180.00} to start my new policy. Once I paid the representative said it would be removed from all 3 of my credit reports in 30-60 days from the day it was filed. It is still on my credit report and I am a current policyholder with XXXX
Product: Debt collection

Transworld Systems, representing XXXX XXXX is falsely accusing me of owing an energy bill from XXXX, Texas. I have called them and written to them, that I have never visited, lived or done business in Texas. I have resided in the same state for the past 40+ years. They went ahead and hit my credit report with a collection. 

They are calling friends and relatives via phone and text, scaring them to find me because legal actions are being taken and I will be jailed. 

Please let me know if you need anything else from me. Thank you!
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax, XXXX, and XXXX regarding their non-compliance with the Fair Credit Reporting Act ( FCRA ). Upon reviewing my credit report, it has become evident that these credit reporting agencies have failed to fulfill their obligations under the FCRA, thereby infringing upon my rights as a consumer. 

The FCRA explicitly defines a consumer report as excluding transactions and experiences. However, I have observed that these agencies have been including transactions and experiences, such as late payments and remarks, in my credit report. Not only are these items not supposed to be included, but I have not provided written authorization to the creditors to furnish this private and personal information, as mandated by the privacy notice regulations outlined in the Gramm-Leach-Bliley Act ( GLBA ). 

I believe that the inclusion of such information in my credit report is an infringement upon my privacy and is being utilized to exert control over my personal and private life. These unauthorized additions are resulting in negative items and remarks on my credit report, which should not have been present in the first place. 

Furthermore, I would like to bring to your attention that the name " XXXX XXXX XXXX '' is currently pending trademark registration. As the trademark owner, I hereby assert that Equifax, XXXX, and XXXX are only authorized to furnish balances connected to my daily commerce activities and to contact me, the consumer and trademark owner, regarding the use of my Social Security Number ( SSN ) for information furnishing purposes. However, this authorization must be granted through written communication, not electronic, email, or phone correspondence. I expect these agencies to adhere strictly to these guidelines and await my approval response before furnishing any information without my explicit consent. 

In light of these violations, I am notifying you that I will be filing a Form 56 with the Internal Revenue Service ( IRS ) to establish our fiduciary relationship. This action is necessary as these credit agencies have taken it upon themselves to report financial data on my behalf without my authorization. 

Any inaccuracies in reporting or unauthorized reporting by the creditors, past or future, or the credit reporting agencies, will be reported to the IRS, Federal Trade Commission ( FTC ), XXXX XXXX XXXX XXXX XXXX XXXX, and may even lead to litigation for breach of contract, if deemed necessary. 

I am eager to establish a competent fiduciary relationship with these creditors and agencies, provided that they operate in full compliance with the law and refrain from misusing or utilizing my private information, trademark, or credit report without my explicit handwritten authorization. 

Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will take appropriate action to address these grievances and ensure that consumer rights are upheld.