23daVinci/CFPB_Complaints huggingface dataset:
Product: Money transfer, virtual currency, or money service

Navy Federal Credit Union incorrectly approved an unauthorized mobile deposit by not requiring my endorsement signature on a check issued to me. On or around XX/XX/year>, Check # XXXX for {$11000.00} was mobile deposit approved to be deposited into a XXXX XXXX account at Navy Federal Credit Union. Check # XXXX from XXXX XXXX XXXX XXXX XXXX XXXX was made out to XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( XXXX ) AND XXXX XXXX. Navy Federal did not follow its rules and procedures with regard to requiring both parties endorsement signature on the back of the check. I did not authorize nor did I know the check was in another party possession to be deposited into an account I did not authorize nor am I a party to the account in question. Navy Federal allowed only one signature to be endorsed on the back of the check and they incorrectly deposited the money into XXXX XXXX account without my endorsement signature on the back of the check. Please note subject check included the words AND ( eg the check was made out to XXXX XXXX and XXXX XXXX. However only one endorsement signature was on the back of the check. I contacted Navy Federal Credit Union and sent them an email through the navy federal credit union portal and NFCU explained they could do nothing about it even though they made an error in depositing the check without the proper endorsements. I want the monies issued back to the issuer of the check or an avenue to correct the error and prevent the harm caused to me from not having access to the monies of which Im entitled to.
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account XXXX XXXX XXXX has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XX/XX/XXXX XXXXXX/XX/XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act In accordance with the Fair Credit Reporting actXX/XX/XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions
Product: Credit reporting or other personal consumer reports

Subject : Request to remove incorrect information from my credit report Dear Sirs : I am writing to dispute the accuracy of the following information in my credit report, pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681. After reviewing my report, I have identified incorrect information that unfairly affects my credit score and would like to request removal of this incorrect information. 

Account details in dispute : * Creditor or Institution Name : XXXX XXXX Account Number : XXXX Reason for Dispute : This account contains incorrect information that does not accurately reflect my financial history. Pursuant to Section 611 of the FCRA, I have the right to have my credit report accurate and verifiable. 

Since the information is incorrect, I request that it be removed from my report or, alternatively, that its validity be verified within 30 days. Additionally, pursuant to the FCRA, the credit bureau must confirm that all information provided by creditors is accurate and verifiable. If the creditor can not provide detailed and valid documentation justifying the accuracy of this information, I demand that this account be deleted in its entirety. 

Request for Documentation To validate the accuracy of this account, I request that copies of all related documentation be sent to me, including : * Original contracts signed by me. 
* Communication records showing my relationship with this account. 
* Evidence showing that the account is valid and accurate. 

If these documents can not be provided, the account must be removed from my credit report pursuant to the FCRA. 

Request for Confirmation Please confirm in writing that the account has been removed or, if applicable, that it has been changed on my report. I look forward to receiving a copy of my updated report to verify that the change has been made. 

Thank you for your attention Sincerely, XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

XXXX Attention : Customer Service XXXX XXXX XXXX XXXX, XXXX XXXX Subject : Violation of My Rights under 15 U.S.C. 6802-6805 and 15 U.S.C. 1681, and Education and Privacy Acts I am writing to formally notify you of the violations of my rights under various federal statutes and to demand immediate corrective action. 

I did not authorize XXXX, XXXX, and Experian to report any information regarding my student loans, which violates my rights under 15 U.S.C. 6805 and 15 U.S.C. 1681 concerning permissible purposes for consumer reporting. The reports in question inaccurately list my student loans as being serviced by the Department of Education, despite the fact that XXXX has taken over my loan, originally serviced by XXXX XXXX XXXX XXXX. I never provided consent for this change in servicers, nor was I informed of my right to opt out of having my information reported on my consumer report. These actions are violations of 15 U.S.C. 6802-6805. 

Furthermore, the reporting of my student loans constitutes a violation of the Family Educational Rights and Privacy Act ( FERPA ) as well as the Privacy Act of 1974. These laws are designed to protect the privacy of student education records and personal information. Your failure to comply with these regulations has caused significant distress and potential harm to my credit and personal privacy. 

I demand the following actions be taken immediately : Correction of Inaccurate Information : Ensure that all credit reporting agencies correct the inaccurate reporting of my student loans and reflect that XXXX is the current servicer. 

Cease Unauthorized Reporting : Stop reporting my information to any credit reporting agencies without my explicit consent. 

Notification of Rights : Provide me with a comprehensive explanation of my rights regarding the reporting of my loan information and any future changes to my loan servicer. 

Please acknowledge receipt of this letter and provide a written response outlining the steps you will take to address these issues within 30 days. Failure to comply may result in further action to enforce my rights. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX
Product: Student loan

I attend University of XXXX XXXX in XXXX XXXX, California. I have had accounts with Sallie Mae for a couple years, regarding my student loans. However, throughout the past semester I have been locked out of my account a minimum of XXXX times, requiring me to call customer care and unlock my account. Then I am put on hold for absurdly long time periods for a conversation with an agitated employee that lasts about 2 minutes. Last week I tried to call because I could n't make a payment, in one day I spent over 2 hours on hold with them and never got through. I even waited for 45 minutes the last time before I finally gave up. Because I do n't have time to sit on hold, I have been unable to make a payment as I am locked out of my account. Now they call me with a recorded voice at least XXXX a day, every single day and leave voicemails. I tried to call again this morning and was put on hold for 20 minutes before I had to go to class. It is extremely frustrating, and believe me, I would like to make a payment as badly as they would like me to make a payment.
Product: Money transfer, virtual currency, or money service

I WAS CHARGED EXTRA FEES FOR A WIRE TRANSFER {$300.00}. THE GENTLEMAN BEHIND THEN COUNTER CHARGED ME {$100.00} TO WIRE.
Product: Student loan

My information was improperly handled and shared without my consent thus violating FERPA.
Product: Credit reporting, credit repair services, or other personal consumer reports

Fraudulent credit inquiries on my credit report
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Formal Complaint Regarding Inaccurate Late Payment Information on Credit Report Dear CFPB, I am writing to formally lodge a complaint regarding inaccurate late payment information reported by XXXX on my credit report. The late payments in question were marked on the following account ( s ) on the respective date ( XXXX ) : LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX LATE PAYMENT DAY : XX/XX/XXXX Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), it is my understanding that my consumer report should not contain information related solely to transactions or experiences between myself, the consumer, and the person or entity providing the report. The inclusion of late payments as part of my payment history negatively impacts my consumer report, and I believe this is in direct violation of the aforementioned statute. 
Additionally, I am requesting that XXXX XXXX XXXX provide, in writing, the reasonable procedures it has adopted to ensure that each periodic statement is mailed to me no later than 21 days before the payment due date, as required under 15 USC 1666 ( b ). This should also include all information mandated by 15 USC 1637 ( b ).

Per the Fair Credit Reporting Act ( FCRA ), you have 30 days from the receipt of this letter to provide me with the requested information. If the information is not provided within this timeframe, I will assume that you are unable to verify the accuracy of the late payments listed above, and I request that these late payments be removed from my account and consumer report with all relevant consumer reporting agencies, including but not limited to XXXX, XXXX, and TransUnion. 
Please ensure that any corrections made to my account are forwarded to my address as listed below. I appreciate your prompt attention to this matter and expect a resolution that accurately reflects my account standing. 
Thank you for your time and consideration. I look forward to a positive response. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX
Product: Credit reporting or other personal consumer reports

There addresses phone numbers, and names I do not recognize on my credit report. 

NAMES XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX  # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX XXXX : # XXXX XXXX. XXXX XXXX : # XXXX ADDRESSES XXXX. XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX XXXX. XXXX XXXX XXXX XXXX XXXX PA, XXXX Address ID # XXXX PHONE NUMBERS XXXX. ( XXXX ) XXXX XXXX. ( XXXX ) XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX I was furloughed from my job. I immediately called my mortgage company, Statebridge Mortgage Co, to make them aware of the situation. I paid my XXXX mortgage on XX/XX/XXXX ( late if paid after the XXXX ). On XX/XX/XXXX they submitted on my credit report that I was 30 days late. This is NOT true. I then filed for a 90 day forbearance which they never filed ... so I decided just to pay the mortgage. Ive spoke to them and they agreed to remove the comment from my credit report ... but havent done so. This has impacted my credit score ... 4 of my creditors have decreased my limits so my CREDIT UTILIZATION has gone WAY UP. So my score has decreased! If you look on my credit report I have ZERO LATE PAYMENTS .... except this one. Can you please help?
Product: Debt collection

XXXX XXXX XXXX PLACED A LIEN ON MY PROPERTY FOR A MORTGAGE DEBT THAT WAS DISCHARGED IN BANKRUPTCY IN XX/XX/2011. THIS DEBIT/LIEN WAS WIPED OUT AND THEY CONTINUE TO HAVE THE LIEN ON MY PROPERTY WITH INTEREST ACCRUING AT 8.12500  %!!!! THIS PROPERTY HAS ZERO EQUITY-ZERO!!!!! I'M UNDERWATER ON THIS PROPERTY, AS THE 1ST MORTGAGE IS MORE THAN WHAT THE PROPERTY IS WORTH! 
THEY HAVE NO LEGAL RIGHT TO PLACE THE LIEN, ENFORCE THE LIEN, COLLECT ON THE LIEN, OR ANY OTHER LEGAL INSTRUMENT, AS THEY DO NOT LEGALLY OWN THE DEBT, NOR THEIR " CURRENT CREDITOR '' XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
*CHXXXX BANKRUPTCY DISCHARGE, ALONG WITH QUALIFIED WRITTEN REQUESTS AND REQUESTS FOR VERIFICATION OF DEBT HAVE BEEN IGNORED* THUS PROVING ZERO OWNERSHIP, OR EVEN THEIR ABILITY TO LEGALLY ATTEMPT TO SERVICE. THIS DEBT WAS CLEARED IN BANKRUPTCY, YET THEY CONTINUE TO TRY AND COLLECT! 
THEY NEED TO COMPLY WITH THE BK DISCHARGE, REMOVE THE LIEN AND HALT THEIR DEBT COLLECTION AND HARASSMENT PRACTICES. 
THEY ARE IN VIOLATION AND NON-COMPLIANCE OF RESPA AND TRUTH IN LENDING ACT REQUIREMENTS. PLEASE INSTRUCT THEM ON THEIR FRAUDULENT PRACTICES AND REMOVE THE LIEN!
Product: Debt collection

I have complained about this once before, when XXXX turned my account over to a collection company. They took the debt down and issued a letter deleted it from the credit bureaus. 

Once again I have a collection in the amount of XXXX From now a collection company called XXXX XXXX XXXX. 

I paid my XXXX bill and had the last payment in XX/XX/XXXX. It was a XXXX  balance. I ended the account because I was in a car accident. I sent the equipment back as well as got confirmation about this. 

The problem is that they are billing me when I had a long history of paying the bill. 
My bill was only {$70.00} a month. How they are figuring over {$500.00} is fraudulent. 

They have told me its because I got a charge for " early termination '', however, the final bill stated over the phone was around {$200.00}, and they waived the termination fee because I had a good reason not to continue the service. 

I have called XXXX over 50 times on this matter. I have filed complaints plus was promised by many management teams that this would be addressed. I sent faxes and made memos. They never do as promised. The representatives never know whats going on. I am not paying for a bill that is not warranted. For convergent to file this on my personal credit is against the law, against the Fair Credit Reporting Act. 

I have spoken to both companies and tried to resolve this but to no avail. I need this to come off my credit as it is affecting my livelihood and ability to obtain proper financing for my business.What they are doing is a crime. I was quoted by XXXX on chat as well as phone that my final bill was {$200.00}. 

The last payments I made was in XX/XX/XXXX, and It was a XXXX balance when I closed the account. My bill was only {$70.00} per month. For them to jump this up to $ XXXX {$700.00}? Is a crime. 

Please advise. 
Thank you XXXX XXXX  XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, XXXX : XXXX, XXXX : XXXX, XXXX XXXX : XXXX XXXX XXXX : XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I requested proof of ownership a signed contract between me and company. They just sent me a statement due to fair credit act an the law that's not proof. I demand this inaccuracy to be removed from credit report. Im providing a copy of police report my information has been sold on the dark net an has to be monitored daily for fraudulent activity.
Product: Debt collection

XXXX XXXX XXXX consumer report alerted me that a company called XXXX XXXX XXXX reported a collection account on my credit report. A representative of XXXX XXXX XXXX said services were taken in XX/XX/XXXX and ended XX/XX/XXXX. Again I do not live in the great state of Texas. This fraud and identity theft caused a negative mark on my credit report and my standing in the community. I have notified XXXX and XXXX XXXX XXXX.
Product: Credit reporting or other personal consumer reports

I purchased an engagement ring a d wedding rings at XXXX XXXX XXXX. They offered me a XXXX interest line if credit with a down payment. XXXX XXXXXXXX was for {$15000.00} through Wells Fargo. When I received documents, it alleged that it was a charge card but provided no card or use of a card outside this single purchase. Essentially, it appeared to be a closed end installment account with no interest and no pre payment penalty, paid in 24 installments.

When we went back to the jewelers, I asked about this and they said, its not a charge card but an XXXX. I pointed out what Wells Fargo sent me and again, theyve dusted it was XXXX XXXX said jeweler offered no credit cards. 

After completing the purchase and completing the down payment of {$4000.00}, I saw that my credit score on all three CRAs went down massively because all of a sudden Welks Fargo reported an alleged credit card for me with 100 % usage of them line, changing my credit card usage if all accounts combined from XXXX to 38 %. As I made a payment its now down to 34 % but almost all tied to this Welks Fargo account.

Ive received no charge card from Welks Fargo, and even as I pay the monthly installments, I have no ability to use the line for any purchsss. This is not a charge cards. Its an installment loan and needs to be listed as such on my credit reports and not as a credit card. 

This change should be done immediately in accordance with my conversations with XXXX XXXX XXXX, the obvious true nature of the account and the deceptive nature in which Wells Fargo is reporting the account. 

I am not disputing the amount and intend to pay the installments but the way its reported is deceptive and appears to be intentional to incentivize users to pay the loan at XXXX interest off early to relieve the burden on my credit score.

This is intentional, deceptive and a complete mischaracterization of the transaction and completely different then what the vendor, XXXX XXXX presented to me. This needs to be changed in my credit reports immediately.
Product: Student loan

Navient told me that I did not qualify for the loan forgiveness program when actually I did and they directed me to their other programs to lock me in making what I owe now weigh more than what the original loan amount was
Product: Debt collection

This is regarding a debt collection attempt from National Credit Adjusters located at XXXX XXXX XXXX XXXX, XXXX, KS XXXX for the amount of {$1300.00}. 

I do not know this company. I have never done business with this company. This company does not have any documentation with my signature on it. I have been trying to dispute the debt with the credit bureaus for 2 years and below are the most recent times. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021, I sent XXXX, XXXX and XXXX a dispute for a collection company XXXX National Credit Adjusters XXXX reporting on my credit reports. I received nothing back. 

On XX/XX/2021 I sent National Credit Adjusters a letter requesting information on the debt, they responded with a vague settlement letter on XX/XX/2021. 

I mailed a certified letter to the company requesting validation of the debt on XX/XX/2021, they signed for and received my letter on XX/XX/2021. 

National Credit Adjusters is reporting a collection account to my credit reports. They did not send a notice or provide an opportunity for the debt to be validated or disputed. They did not respond and continue to report the debt. 

This is extremely frustrating and stressful. I've been disputing with the credit bureaus for 2 years and the ONLY responses I've ever received from them was a letter telling me that the debt was verified but when I ask for a copy of that verification or how they verified this debt or ask for information on who verified it, I get nothing back and have stopped hearing from all three credit bureaus. I finally reached out to National credit adjusters since I have NEVER received ANY letter from them since its been reporting on my credit report. I reached out by mail in XXXX and their ONLY response to me was that I can settle the debt at 50 % off. I then sent them another letter asking them to validate the debt with proof and was ignored. No company should have this much power over an individual and be allowed to ruin their lives.
Product: Debt collection

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I hvae also submitted multiple FTC Reports regarding the account that do not belong to me. 

Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX
Product: Debt collection

I have contacted the company several times about the debt asking them to provide me with a contract that I signed with them stating i owe them what they asking for and to stop collection activity. they did not deliver. the also went and put the collection on my credit report using another address of the collection company and listed it under a false name on my credit report. I sent my final communication to them to remove this account from all my reports and cease all contact and collection activity. they have not complied.