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

Navy Federal Credit Union extended a checking account to me with XXXX overdraft protection XXXX. In XXXX they also approved me for a XXXX credit card XXXX and loans. 
My checking account has been frozen 20 times end of XXXX to XXXX. During the Holidays XXXX and XXXX I couldn't access my funds through ATM. I was forced to borrowed money from friends and relatives until the NFCU staff came back from the Holidays to access my funds. The collections department until XXXX would pay my bills using my overdraft monies that was a normal practice for 3 years. Also charged XXXX fees in excess. I requested a line of checking account credit but the representative said they'd have to shut down my visa card for a week for me to get approved. I've been told my account can be approved for a second checking accounts. They've held me on the XXXX overdraft since XXXX. 
I was also told that the fees were correct charges of excess in overdraft eating my paycheck every week. 
Collections threatened me in letter form that my checking account would be closed because of my negative balance but refuse me.
Product: Credit reporting or other personal consumer reports

I want to inform the Credit Bureaus ONCE AGAIN that I was a victim of identity theft and I'm requesting to remove these fraudulent items 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 listed in Identity Theft. Once again HERE ARE THE LIST OF ITEMS THAT I WANTED TO REMOVE! XXXX, XXXX, XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$46000.00} XXXX XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

FORTIVA is reporting inaccurate showing missed payments on XXXX of 2022. That's inaccurate this account has never been late.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was trying to put a freeze on my account at Equifax after I learned about the XXXX information breach today. 

I sign in and when through all the hoops to get to the freeze and then then the process stop and I was told to contact customer care team. 

I called the phone given - XXXX XXXX XXXX XXXX and I went through a big long phone loop XXXX to no avail. I tried many times. I found another number - XXXX XXXX XXXX and it was the same big long phone loop XXXX that got me no where. There is not a route to speak to a customer care team member so that is a lie and a waste of time bunching in all these numbers to prove who I am and in the end Equifax phone hangs up on me. I tried 5 times, wasting an hour. 

Equifax phone message - you can remain on the line to speak to an agent is a lie!!! There is not a phone route to get to a real human being to talk to to resolve an issue. 

I could write in-depth about the many pick a choice questions ask for proof its me and when I press 5 for none of the above it keeps asking the same question, no matter how many times I press 5. 

I still do not have a credit freeze on my account. 

Clearly Equifax doesnt care about the consumer and they know they dont need to because of the monopoly of the three agencies - Equifax, XXXX, XXXX. 

XXXX XXXX
Product: Credit reporting

I sent Experian a letter on XX/XX/2017 asking for them to investigate several items they were reporting. The other XXXX credit bureaus had admitted mistakes and deleted things so Experian, were they to have done their jobs, should do the same. 
But they have ignored me and did not write me back.
Product: Credit reporting or other personal consumer reports

I looked at my credit report back on XXXX XXXX, 2024, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. These accounts listed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are not complete and accurate. 


ACCOUNTS - open date is not reporting correctly, date last active, date of last payment is not correct, account number is not accurate, and payment history is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/XXXX, US SM BUS ADMIN ODA add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, XXXX/XXXX add a hard inquiry on my credit report per XXXX. 
On XX/XX/XXXX, BK OF AMER add a hard inquiry on my credit report per XXXX.
Product: Mortgage

I took a hard money loan out on my property in north carolina.The company was called XXXX XXXX.The loan was in the amount of {$22000.00} on the structure that sat on the property.I filed chapter XXXX bankruptcy and agreed to sell a portion of the property to pay off the loan.once i found a buyer and went into contract XXXX XXXX foreclosed and sold the property less then what the buyer was paying illegally while i was under bankruptcy protection
Product: Credit reporting, credit repair services, or other personal consumer reports

These Consumer Reporting Agencies have continued to defame my character, as well as with their continued identity theft since I have never given written authorization to share any of my personal information, including BANKRUPTCY to any third party entities. This reporting has caused grave harm not only to my character, by causing humiliation, stress, health issues, problems in my marriage, and paying higher interest rates for insurance, etc. According to the California District Bankruptcy Court XXXX XXXX XXXX - they do not report bankruptcies to any consumer reporting agencies and the information is only available in Pacer. So these unscrupulous consumer reporting agencies go digging for consumer 's private information just to sell for a profit off of our mis-fortunes and hardships, just to keep us a slave to subprime higher interest lending tactics. When I call to have something resolved they act like they can not verify me, and YET they see the information on their end, and they continue to send documents to my home address. THIS IS UNACCEPTABLE. 

XXXX report submitted by phone ref # XXXX XXXX : U.S. Bankruptcy Court, date filed XX/XX/2013, reference # XXXX XXXX : US BKPT CT CA XXXX XXXX, date filed XX/XX/2013, reference # XXXX Experian : XXXX, date filed XX/XX/2013, reference # XXXX See attachment
Product: Debt collection

XX/XX/XXXX, XXXXXXXX XXXX XXXXXXXX, was previously disputed with Experian. Results stated as " Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' This has been added back to my account as of XX/XX/XXXX. Requested another dispute and was denied correction of incorrect info. 
XXXX of XXXX, a dispute was filed with Experian against XXXX XXXX  with results being, Account information disputed by consumer ( Meets requirement of the Fair Credit Reporting Act ) '' and has also been added back to credit report.
Product: Credit reporting or other personal consumer reports

XX/XX/XXXX Subject : Complaint Regarding Inaccurate Late Payment Reporting for XXXX XXXX Account Dear CFPB, I am writing to formally dispute the inaccurate late payment reporting on my XXXX XXXX account ( # XXXX ) reflected in my TransUnion credit report. Despite two prior disputes filed on XX/XX/XXXX and XX/XX/XXXX, no corrections have been made to this account. The continued inaccuracies are a violation of the Fair Credit Reporting Act ( FCRA ), the Truth in Lending Act ( TILA ), and the Protection Against Non-Payment of Obligations Act ( PAANL ). The account also has discrepancies and errors in its reporting dates, payment history, and balance details, which are outlined below : Account Details : High Balance : {$38000.00} Last Verified : XX/XX/XXXX Date of Last Activity : XX/XX/XXXX Date Reported : XX/XX/XXXX Date Opened : XX/XX/XXXX Balance Owed : {$18000.00} Account Status : Open Payment Status : Current Monthly Payment : {$680.00} Two-Year Payment History : Reflects an inaccurate 30-day late payment for XX/XX/XXXX. 
Discrepancies : Date Inconsistencies : The " Last Verified '' date ( XX/XX/XXXX ) conflicts with the " Date of Last Activity '' and " Date Reported, '' which should align. Such discrepancies violate 15 U.S. Code 1681i, which mandates accurate and consistent reporting.

Inaccurate Late Payment : The 30-day late payment for XX/XX/XXXX is incorrect and contradicts the payment amounts listed, showing no past-due balance.

Balance Details : The balance of {$18000.00} differs from the amounts reported to XXXX and XXXX for the same account.

Relevant Legal Violations : FCRA ( 15 U.S.C. 1681i ) : Requires credit reporting agencies to investigate and correct inaccuracies promptly.

TILA ( 15 U.S.C. 1666b ) : Mandates that creditors send periodic statements at least 21 days before the due date, ensuring no unfair penalties for consumers. PAANL : Reinforces creditors ' responsibilities to provide accurate, timely statements to protect consumers from erroneous reporting. Desired Resolution : Immediate removal of the inaccurate 30-day late payment from my credit report. Written confirmation of the corrections made.

Assurance that this account will be reported accurately in the future.

I have also submitted a formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding your failure to address these inaccuracies. If these issues are not resolved promptly, I will consider escalating the matter further, including legal action. 
Sincerely, XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I submitted a letter to the 3 Credit Bureaus XX/XX/2022 to correct these suspicious accounts. I think you have not validated these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ), and I will pursue legal action against you. This was already included in my prior COMPLAINT # XXXX XXXX and I'm including it again. 
XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX Account XXXX : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX
Product: Credit reporting or other personal consumer reports

I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 

Account Name : XXXX # XXXX - Balance : {$13000.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXXXXXX - Balance : {$590.00} Date Opened : XX/XX/XXXX Account Name : XXXX # XXXX - Balance : {$110.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX - Balance : {$120.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXXXXXX - Balance : {$120.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Balance : {$690.00} Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$920.00} Date Opened : XX/XX/XXXX Account Name XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Account Name : XXXX XXXX XXXX # XXXX - Balance : {$460.00} Date XXXX Account Name : XXXX # XXXX - Balance : {$1000.00} Date Opened : XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXXXXXX # XXXX - Balance : {$480.00} Date Opened : XX/XX/XXXX Unauthorized Inquiries : 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
Product: Debt collection

THE COMPANY, SOUTHWEST CREDIT SYSTEMS, L.P., PURCHASED A BAD DEBT FROM ANOTHER COMPANY THAT REPORTED THE DEBT AS A " CHARGE-OFF ''. THIS MEANS THE ORIGINAL COMPANY THAT SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THIS BAD DEBT FROM, WROTE IT OFF AS A LOSS ON THEIR TAXES. WHEN SOUTHWEST CREDIT SYSTEMS , L.P . PURCHASED THE BAD DEBT, THEY MADE AN INVESTMENT ROOTED IN FRAUD BECAUSE I WAS NOT MADE AWARE THAT MY PERSONAL INFORMATION WAS BEING SOLD OR SHARED. I HAD NO INVOLVEMENT WHAT SO EVER IN SAID TRANSACTION. THIS IS AGGREVATED IDENTITY THEFT ACCORDING TO 18 USC 1028A.

According to 15 USC 3002, I am a XXXX person which means my name in all caps is not me. My name is XXXX XXXX. Pursuant to 15 USC 1692 ( a ) 1 the term " Bureau '' is defined as the Consumer Financial Protection Bureau ; therefore XXXX, XXXX, and XXXX are assuming this role. They are only credit reporting agencies that assumed the role of collecting, selling, and sharing information without my written consent. 

On XXXX XXXX 1933, Congress enacted HJR-192 to suspend the gold standard and to abrogate the gold clause. Which mentions the following " ... ..every obligation heretofore or hereafter incurred, shall be discharged upon payment, dollar for dollar, in any coin or currency which at the time of payment is legal tender for public and private debts, is unconstitutional. '' SOUTHWEST CREDIT SYSTEMS, L.P. is in direct violation of 15 USC 1692e which states A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Debt is defined as any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment according to 15 USC 1692a ( 5 ).

According to 15 USC 1692k will be held civilly liable for violation of my consumer rights, I am seeking compensation for damages or litigation will be pursued. I also have proof of claim against SOUTHWEST CREDIT SYSTEMS, L.P. admitting to getting my information from original creditor of the alleged debt, which constitutes information shared without written consent from me the consumer.
Product: Mortgage

First I an very thankful to Consumer Financial Bureau for been there when I needed desperate help with my mortgage Carrier. after much harassment through WELL 'S FARGO AND WITH YOUR HELP. I 'm FINALLY GOT TO THE TRUTH. 
On XXXX XXXX and a very professional conference call I received some shocking information and the document to back up all of such information. I will be forwarding such documents to you. 
on XXXX XXXX of XXXX I sat for the closing and purchasing of my home XXXX XXXX XXXX, XXXX XXXX, Georgia XXXX.A COPYOF MY MOTGAGE CONTRACT IS NOW SENT WITH THE MORTGAGE AGREEMENT OF 10.25 % INTEREST AND MY MONTHLY PAYMENT OS {$680.00}. XXXX. IN MY 10 YEARS OF OWNERSHIP I HAVE NEVER PAID {$680.00}. XXXX I PAID {$900.00}. IN XXXX OR XXXX I RECEIVED A MODIFICATION AND MY MORTGAGE WAS NOW UNTIL XXXX XXXX {$810.00} WITH 8.25 % INTEREST. AS OF XXXX XXXX I WAS ADJUST TO {$810.00} AND 8 % .INTEREST. 
A COPY OF THIS DOCUMENT IS ENCLOSED. IMAGINE HOW SHOCK I WAS WHEN I OPEN THE MAIL AND THIS DOCUMENT FLIPPED OUT. XXXX YEARS AND XXXX MONTHS I HAVE NEVER HAD A MORTGAGE PAYMENT OF {$680.00} XXXX.
Product: Credit reporting or other personal consumer reports

My account with ( XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX, ) was never late! I have had exceptional payment history witH XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment.

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported in ( MONTHS REPORTING LATE ) to be removed. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required b
y section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, ) Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant
rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports
Product: Vehicle loan or lease

I have filed a complaint about Westlake Financial Services XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, California XXXX XXXX XXXXSenior Compliance Manager (  XXXX XXXX XXXX ) XXXX ) in XX/XX/XXXX. This company misleads the consumer. The company lost 4 of my  payments that were mailed way before the due date. Once the company located my car payments, they applied the payments to my account but they attached late fees, which I have been asking to have the fees credited back to my account. This company sent the repossession man to my door to repossess the vehicle. They continued to send threatening letters ; regardless of how many letters or calls I have made to the company requesting them to refrain from calling and sending threatening letters. I kept requesting the company to send me monthly statements to my home. I have had the vehicle for over a year and never received a statement until I contacted the Attorney General XXXX XXXX of Nevada. With the two statements I received, they are not accurate. The company is showing I have only made 11 payments towards the vehicle when I was making 2 and 3 payments per month for over a year. I have made complaints to the company questioning why my balance is not going down but remaining the same regardless of how many payments I make. I have recently become aware that no matter how much I write on my payments and in letters to apply ALL payments towards the PRINCIPAL the company still remains to apply the majority of my payment towards the INTEREST. I did not authorize this and did not realize this company is charging way more for the vehicle then what I thought I would pay per the sales amount listed on the vehicle. This company has made negative reports to all 3 credit bureaus when the company lost my 4 payments. This company will send me emails advising that it is time to go through XXXX XXXX to refinance my vehicle. I can not refinance the vehicle through any company due to the negative reports of Westlake Financial Services. On XX/XX/XXXX, I spoke to an agent XXXX employee number XXXX in regards to the late fees she states she was only authorized to remove XXXX worth of late fees added because of their mistake. She advised me the account is automatically generated for payments to go towards the interest first she advised she was not able to correct the issue that I had to contact the dealership, XXXX. XXXX advised me they do not have anything to do with the contract it is the finance company to tell them I am getting an attorney. I have seen many complaints about this company on the XXXX XXXX XXXX XXXX website XXXX XXXX, California. I see where this company and been sued twice. Once by New York and once by California. This company is still running a con and scam on the consumer. I believe this company takes advantage of seniors. I believe the interest rate is ridiculous. So many individuals have been affected by the Covid-19 financially something needs to be done. This company works without ethics and their behavior is XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX, Spring Oaks Capital LLC and XXXX XXXX XXXX are reporting inaccurate data to my consumer report. 
SPRING OAKS CAPITAL LLC- Original Creditor : XXXX XXXX XXXX XXXX OPEN Balance {$650.00}. 
Acct Status : OPEN. 
Remarks : Dispute Resolved and Customer disagree. ( should this be taken as it's perfectly fine to continue to furnish and park inaccurate data on my personal consumer report ). I disagree by reason of FCRA law, and according to FCRA Law an account can not be reporting Open and In Collection at the same time.
Product: Mortgage

Working with Bank of America to liquidate additional assets ( {$51000.00} ) for cash needed to close ( estimated closing date is XX/XX/2024 ). Discussed option of liquidating cryptocurrency assets from my XXXX account at least twice verbally with my loan XXXX and confirmed in writing that this was the route I was taking. Was advised that there is no issue, as once the cryptocurrency is liquidated to cash, " cash is king ''. 

On XX/XX/2024, liquidated {$130000.00} in assets from my XXXX account and transferred the resulting cash to my Bank of America account on XX/XX/2024. Went above {$51000.00} in good faith. I uploaded my Coinbase all-time activity and transaction history reports as supporting evidence of liquidation, as XXXX does not have traditional statements. 

On XX/XX/2024, I was told by my loan XXXX that the underwriting department XXXX have an issue on cryptocurrency liquidation to cash and XXXX not make an exception due to policy. Since then, I scrambled to liquidate the {$51000.00} from my traditional XXXX XXXX brokerage account, which I did on XX/XX/2024 and trade confirms received on XX/XX/2024. Trade settlement expected to complete on XX/XX/2024. 

Through this process, I liquidated more than I needed due to incorrect guidance from my loan XXXX and which also caused a delay to getting to my expected XX/XX/2024 close date.
Product: Mortgage

My husband and I applied for an equity loan with Navy Federal. We were prepared but had to wait for an appraisal on our home. We applied for XXXX. Based on prior homes and XXXX XXXX taxes we are paying taxes access at XXXX the appraiser came out and said our house was only worth XXXX. He accessed our home accounding to XXXX bedroom homes in our community. He knew we have a XXXX bedroom. He even took pictures of all the rooms. We filed a n app ; eal with Navy Federal. They were surposed to make a decision in 5 days. We have not heard from them. We were assigned a loan officer and she wo n't even return our calls. I want them to send someone who will do the job right olr refund the money charged for the Assessment and want to be fair.
Product: Credit reporting or other personal consumer reports

HI. There is a 2 Account on my credit report that do not belong to me I have disputed this with the bureaus and furnishers, and I am getting nothing back. I am spending so much time on these accounts, and they don't even belong to me I am trying to see why nothing is being done for this. I am reaching out to you regarding the compromise of my social security number. I have fallen victim to Identity Theft. I have already contacted the Federal Trade Commission and filed a complaint # XXXX, The following items is fraudulent Account and were not authorized by me : XXXX. Fraudulent Account : XXXX XXXX  Account opened : XXXX Account number : XXXX XXXX : XXXX XXXX  Date opened : XXXX Account number : XXXX Please block and remove these fraudulent Accounts from my credit report. Thank you. According to FCRA 605B ( 15 U.S.C. & 1681 c-2 ), which states that this account must be removed within 4 Business Days of receipt, Thank you