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

Organization that complaint is directed to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX I had set up automatic payments for monthly mortgage payments when it was discovered that grace periods had been removed from loan policy. I had submitted payments normally within this grace period during the life of the loan. The change put me at a XXXX day late situation. I proceeded to set up automatic monthly payments to ensure guaranteed and timely payments to the lender. With my auto-payment configuration made ( screen shot of confirmed set up in lender portal ), I had not watched account on a monthly cycle. On XX/XX/year>, I received a letter from XXXX indicating that my account was past due XXXX months payments. I reviewed the account and observed that the auto pay configuration still indicated active in the account. I called customer service and they indicated that a previous month payment being XXXX day late negated the auto payment set up. I set up auto payment with no errors generated from their system to corroborate this. I proceeded to immediately pay full payments in the rears to get account in a positive state. 

-Lender waited almost 3 months to send letter of past due when on time payments were made for the last XXXX yrs. 
XXXX had XXXX valid phone numbers to call and alert past due state and failed to attempt call or communication -Lender did not notify me by email on file which was an active address I feel that this lender has used deceptive consumer practices on auto payment functionality/disfunction and failed repeatedly to notify a customer that an account was past due. The lender has reported negative information to Credit Bureaus which has severely and negative impacted my near perfect credit score. I feel that was a techncial error on the lender 's behalf and lack of customer service. Those negative records should be rescinded from my credit history.
Product: Debt collection

Good morning, I received medical bills from XXXX  XXXX for dates of service of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I was told by XXXX  XXXX that my insurance company did not pay said claims. I contact my insurance company, XXXX XXXX XXXX XXXX New Jersey, which is XXXX managed health insurance. I was told I needed to file a grievance. I filed a grievance and the grievance was substantiated and the claims would be paid. The letter also states that " we have notified your provider in writing that they should not be billing you for these services. '' However, I am still being billed for the services and XXXX  XXXX hired a collection agency, Remex , Inc. to collect the debt. I contacted Remex , Inc. and explained the circumstances. I advised XXXX XXXX at Remex , Inc. that the claim will be paid by insurance. On XX/XX/XXXX, Remex placed negative information on my credit report regarding date of service of XX/XX/XXXX in the amount of {$410.00}. Subsequently, I had a conference call with XXXX XXXX and the insurance company on or about XX/XX/XXXX. I was told that the claims were no longer at issue and the negative information would be taken off of my credit report. However, not only did Remex not remove the negative information, they put additional negative information on my credit report on XX/XX/XXXX regarding the same date of service of XX/XX/XXXX. 

On XX/XX/XXXX, I spoke to XXXX XXXX XXXX XXXX New Jersey and was told that XXXX  XXXX is in violation of their contract and that I should not be billed as I was covered by a XXXX managed care. A patient has 0 % responsibility under XXXX and should not be billed. I was also told that negative information should not have been placed on my credit report. Companies like XXXX  XXXX and Remex , Inc. should not be able to harass patients and place negative credit items on their credit reports. Please assist me with resolving this issue.
Product: Credit reporting or other personal consumer reports

I was attempting to purchase a vehicle and I realized I had damages on my credit report. I reached out to Transunion, XXXX and XXXX regarding the charged off XXXX  XXXX & XXXX accounts listed and the 2 hard inquires, but I had no luck. I was told by a representative, that companies have the right to access my reports, as long as they possess my information. That is FALSE. According to the 15 U.S. Code 1681- Congressional findings and statement of purpose law, It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. The 3 credit bureaus are not recording my information accurately, which is not fair and not equitable to me. There should not be any damages on my report. That is a defamation of character.
Product: Credit reporting, credit repair services, or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than XXXX business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 

XXXX XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX, XXXX, XXXX ; XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXXXXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, GA XXXX XXXX XXXX XXXX XXXX : {$0.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$2200.00} ; XXXX XXXX Owed : {$1200.00} ; XXXX  XXXX Balance Owed : {$1000.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX XXXX Balance Owed : {$240.00} ; XXXX XXXX XXXX XXXX Owed : {$0.00} ; XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX XXXX Owed : {$7300.00} ; XXXX XXXX XXXX Balance Owed : {$0.00} ; XXXX XXXX Balance Owed : {$86.00} ; XXXX Balance Owed : {$150.00} ; XXXX XXXX XXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$710.00} ; XXXX XXXX XXXXXXXX Balance Owed : {$570.00} ; XXXX XXXXXXXX Balance Owed : {$630.00} ; XXXX XXXX XX/XX/XXXX ; XXXX XXXX XXXXXX/XX/XXXX ; XXXX ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX.
Product: Debt collection

Received repeated calls and voice mails from XXXX about an alleged debt of a XXXX year old relative who lives in another state and who is not my financial responsibility and who has never been my financial responsibility. Nor have I ever co-signed for any of her debts. When I called back to tell the company to stop calling me they said they were " not customer service '' - suggesting that they did not have to deal with irate callers and could use whatever tactics they chose to collect debts.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2023, I received verification from the Transunion investigation that the accounts mentioned below were reporting accurately. I have attached all documents and circled the inaccuracies. I demand these accounts be removed immediately. 

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

As indicated by the attached copies of letters and mailing receipts, you have been delivered by registered mail both a dispute letter, dated XXXX, as well as a follow-up letter, dated XXXX. As of this moment, Equifax or XXXX XXXX have not done their duty mandated under the law. Their inaction in this matter is inexcusable, and disregard for the law is contemptible. Rest assured, I will hold them accountable. As you are well aware, federal law requires you to respond within 30 days, yet they have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission I can show a judge that these accounts are inaccurate and that they have violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters ( all sent by certified mail ) stated my reasons for an investigation and my letters have went unanswered.
Product: Credit reporting or other personal consumer reports

I am submitting this request to dispute an items on my credit report that I believe is the result of fraud. I have identified these items as fraudulent, as it does not belong to me and were not authorized by me. 
XXXX / XXXX XXXX Balance : {$410.00} XXXX  XX/XX/year> I did not authorize these items, nor have I ever had any dealings with the companies listed. These items are negatively impacting my credit report, and I request that it be removed immediately under the Fair Credit Reporting Act ( FCRA ).
Product: Credit reporting, credit repair services, or other personal consumer reports

This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The XXXX and TransUnion Credit Bureaus failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i 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. Please eliminate the following accounts completely from my Credit Reports : XXXX XXXX XXXX  XXXX XXXX : {$0.00} ; XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX ) XXXX Balance : {$990.00}
Product: Credit reporting or other personal consumer reports

I applied for credit at a car dealership and specifically told them they DID NOT have permission to shop for a loan, I authorized them to only submit to XXXX bank and DID NOT authorize my information to be submitted to the creditor.
Product: Credit card

On XX/XX/2017 my cc was lost reported right away to the company. Finding out 3 wks after my account was closed due nsf.But did n't find out truth them I find truth XXXX monitoring my credit .I contact right away as well to my bank XXXX and no records of any nsf.Call them bank and was showing my cc was used and was attempt of 3 payment on XXXX different checking accounts by more than obviously was a fraud case talk with 4 different supervisors nothing resolve even with a police report from XXXX COUNTY XXXX .Once again yesterday I broth this to their attention finding out accept never was report lost and they never took te police report now my credit is been affective
Product: Mortgage

Since my first complaint It was asked in the months of XXXX, XXXX and XXXX of 2023 to put the {$4500.00} on my remaining balance on our mortgage and they've refused.Since XXXX XXXX refuses to talk to me ( because I have been bringing a witness with me ) I was told to contact XXXX but he hasn't responded to our phone calls ( from three different phone ) or e-mails.Since XXXX XXXX refuses release the funds to any of our contractors to get our home repair we request ( once again for the fourth time ) just put it on our mortgage so we can be done with this wicked company. 
P.s before you respond with any negatively please talk to the employee at the XXXX office and ask them why they call a man who's 16 years ahead on his mortgage and ask him what time he'll be in with his payment and then close early!
Product: Checking or savings account

Subject : Complaint Against Navy Federal Credit Union for Unjust Account Restriction Dear Sir/Madam , I am writing to file a formal complaint against Navy Federal Credit Union ( NFCU ) regarding the unwarranted restriction of my account ( Account Number : XXXX ). This restriction, implemented under claims of fraudulent membership, is both unjustified and has caused significant financial and personal inconvenience. 

As part of my appeal to NFCU, I submitted comprehensive documentation to prove my eligibility and identity, including : A leasing agreement showing that I reside with my spouse, an eligible Navy Federal member.

My most recent utility bill and pay stub for proof of address.

My photo passport and birth certificate for identity verification.

Despite these submissions, Navy Federal has maintained the restriction, leaving me without access to my funds and financial services. The lack of clear communication and resolution from Navy Federal has exacerbated the situation.

I am seeking the Consumer Financial Protection Bureaus assistance in investigating this matter and ensuring that Navy Federal conducts a fair and timely review of my account. I also request that NFCU be held accountable for the inconvenience caused by their failure to address this issue promptly and effectively. 

Thank you for your time and attention. I am confident that your intervention can help bring resolution to this matter. Please feel free to contact me at XXXX or via email at XXXX for any additional information. 

Sincerely, XXXX XXXX
Product: Credit card or prepaid card

I applied for an apartment and was told I will be approved based on my credit criteria but the services were not provided as promised. The transaction posted to my account on XXXX/XXXX/2017 for {$33.00} by XXXX XXXX XXXX XXXX
Product: Credit card or prepaid card

I have now submitted two claims for the same fraudulent transaction, and I am now going through my third review. I was in Hawaii visiting a friend, and while we were surfing a thief broke the steel lock box, got into my friends truck, and stole my wallet and phone along with the wallets and phones of three of my friends. We promptly contacted the police and filed a police report with the XXXX police department. About 1-2 hours later, we tracked down our phones to the side of a road. A friend of my friend that lived in XXXX  arrived and allowed us to use the find my app to track down the XXXX. 

As soon as I checked my phone, I saw that there were two transactions the thief made at XXXX and one at a car wash on my Chase Sapphire Reserve card totaling just over {$600.00}. I immediately locked all of my four cards ( also including a chase freedom unlimited, XXXX XXXX credit card, and XXXX XXXX debit card ). I then called chase to report the fraudulent transaction, but was asked for no further information other than verifying which transactions were fraudulent. I then received a letter approximately two weeks later stating that I received a personal benefit and was thus held responsible for the three transactions. 

I followed up on the letter by calling Chase again and was told to submit any evidence I had to XXXX, so that I could have my fraud claim reviewed again. Therefore, I emailed Chase a slip the officer gave us detailing the police report number, officer, time, etc. I also forwarded an email showing a receipt of me ordering a new drivers license online. However, approximately two weeks after I called Chase, I received another letter saying I was still being held responsible for the transactions AND that they reported to the various credit agencies I had reported a fraudulent claim I was held responsible for. When I called Chase again, I was told the reason that I was still being held responsible was that there was no evidence of a police report filing and that they had not considered my email that I sent for the second investigation. Thus, the phone operator told me he was reopening my case. 

In the meantime, after opening my third review, I was told by one of my friends involved in the incident who also had a chase sapphire card, had over {$3000.00} deemed fraudulent with no hassle on his end ( he did not even submit evidence of a police report filing and submitted the claim three days after the theft ). I have submitted the letter my friend received to Chase showing he was held not responsible for transactions that also occurred in the same city ( XXXX ) around the same time. 

I am currently awaiting the outcome of my third review. Needless to say, for a travel credit card with a {$550.00} annual fee, I am very displeased right now. I would not recommend the Chase Sapphire Reserve credit card to potential new customers, nor would I recommend that current card members carry this card when traveling.
Product: Money transfer, virtual currency, or money service

This case was originally filed under XXXX and subsequently under case XXXX. 

Under case XXXX, Bank of America closed the case but the plantiff has never received Bank of America 's explanation with respect to the lack of terms and conditions. 

NUMEROUS phone calls to Bank of America have never been returned. Bank of American has never explained the lack of terms and conditions necessary for foreign currency transactions. 

Plantiff is requesting bank 's response to XXXX.
Product: Money transfer, virtual currency, or money service

Today XX/XX/2018 this XXXX I was on XXXX to look to purchase tickets for XXXX XXXX XXXX  as my XXXX present for myself. I found tickets online for {$180.00} for 2 tickets. I texted the number that was available and the person texted back. He said he had the tickets and that to email him my email so he can send my tickets through XXXX. He asked gave me his name, phone number and email and I sent money through XXXX. He even texted that his wife works for the company and that he could not go because he going to a XXXX for his XXXX child.He texted me a receipt of the purchase and the code. After a few minutes I still did not receive the tickets through XXXXXXXX or an email. He did not respond after that. I asked him to cancel and to send my money back since I did not get the tickets. I even tried to call him a few times, no answer.I contact Chase after and hour or so and they said it was too late and they could not reverse the transaction. I contacted XXXX too they said they could not help me.
Product: Credit card or prepaid card

I trust this message finds you well. I am writing to lodge a formal complaint against American Express for an issue that I believe reflects a breach of trust and unfair business practice. 

I am a longstanding customer of American Express. I currently hold three cards with the organization- the XXXX XXXX, the XXXX XXXX, and the XXXX XXXX XXXX XXXX. Two months ago, I upgraded to the XXXX XXXX, driven by an attractive welcome offer advertised on the XXXX website XXXX XXXX XXXX XXXX XXXX & XXXX ). The offer promised XXXX points on all dining transactions within the first six months of card usage. 

Despite my substantial spending of over {$15000.00} within the first two months, this offer has not been honored. What's more concerning is that the same offer I applied with is still actively being advertised on the XXXX website, which is owned by American Express. 

When I approached the American Express customer service team and my account XXXX to resolve this issue, I felt dismissed and undervalued. The threat that I would lose my XXXX bonus points if I chose to cancel the card before completing XXXX year was not only disheartening but also felt like a punitive measure rather than a resolution to the issue at hand. 

I am bringing this matter to your attention in the hope of a thorough investigation and a fair resolution. I believe that as a consumer, I have the right to receive what was promised in the welcome offer. It is disappointing to see such a reputable company engaging in what seems to be misleading marketing practices. 

I look forward to your support in resolving this matter and hope that measures can be taken to prevent such issues from occurring in the future. 

Thank you for your time and attention to this matter.
Product: Credit reporting or other personal consumer reports

AFFIDAVIT OF TRUTH AND FINAL NOTICE I, XXXX XXXX, being duly sworn, do hereby make this affidavit and state as follows : Introduction : I am a resident of [ Your Address ] and am of legal age to make this affidavit. I submit this affidavit as a formal notice to each business and trustee listed herein regarding my consumer rights and the violations I have experienced. 
Enforcement of Consumer Rights : I hereby assert my rights as a consumer and will enforce these rights in federal court. I demand immediate action to rectify the violations of my rights under the Fair Credit Reporting Act ( FCRA ), as well as other applicable laws.

Racketeering Charges : I am prepared to pursue racketeering charges against any and all parties responsible for the fraudulent activities that have impacted me. These actions are illegal and will not be tolerated. 
IRS Fraud : I am reporting potential IRS fraud related to the misuse of my personal information and demand an investigation into any fraudulent claims made in my name. 
Final Notice : This affidavit serves as your final notice to address these matters immediately. Failure to comply will result in my pursuing all legal remedies available to me, including litigation in federal court. 
Contact Information : This notice is directed to the following parties, including but not limited to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX XXXX I affirm that the statements made herein are true and correct to the best of my knowledge and belief. 
Dated this XXXX XXXX XXXX XXXX XXXX Subscribed and sworn to before me this XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

I have spent months disputing two charge-off accounts fraudulently reported by XXXX XXXX XXXXXXXX and XXXX XXXX XXXX which do not belong to me and are illegally being reported on my TransUnion report as well as my XXXX report. However, XXXX has deleted both items as the creditors reporting on the reports asked for it to be removed as it is fraudulent and illegally being reported and was a clear case of identity theft. I have submitted countless documents as supporting documentation including an approved police report, an affidavit, an identity theft FTC report, along with proof of identity with a valid government issued photo ID along with a social security card/passport over multiple disputes. I have asked for method of verification that TransUnion is using to validate the debt and keep furnishing information that is not mine and is ALREADY DELETED BY XXXX, which i will provide as such as I pulled my most recent XXXX report yesterday, XX/XX/2024 so it as recent as possible. The reports between TransUnion, XXXX, and XXXX are almost identical outside of the two charge-offs being reported on TransUnion and XXXX and not on XXXX, which did the correct thing and deleted a wrongful, fraudulent account from my XXXX consumer report. I will provide proof that XXXX does not show the charge-offs and have been removed and I ask thst CFPB either make TransUnion provide me complete documentation of every person they spoke with at XXXX XXXX XXXXXXXX and XXXX XXXX and when along with paperwork provided with original contract, wet-ink signature, proof of IP address of application, and correspondence sent through the many months of dispute process that I received at the proper current address via certified mail or return receipt with signature proving I received any such correspondence of the debt or the requested information. XXXX could not obtain such information from XXXX XXXX XXXXXXXX and XXXXXXXX XXXX and deleted the charge-off accounts from my credit report, I ask the CFPB do ensure TransUnion does the same as I know they can not provide that information without lying. HOW CAN XXXX DELETE AN ITEM AND TRANSUNION CONTINUE REPORTING THE SAME EXACT CHARGE-OFF ACCOUNTS?? THaAT IS ILLEGAL. They might not share information, but they are required to follow laws and report the same information otherwise somebody, somewhere is lying and I will not tolerate it.