23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting 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. 

Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

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

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXXXXXX potentially negative months {$1500.00} Closed Account info Account name XXXX Account number XXXX Original creditor - Company sold - Account type Unsecured Loan Date opened XX/XX/XXXX Open/closed Closed Status Charge-off Status updated XX/XX/XXXX Balance {$1500.00} Balance updated XX/XX/XXXX Original balance - Monthly payment - Past due amount {$1500.00} Highest balance - Terms 9 Months Responsibility Individual Your statement- This information is still report incorrectly on my credit reports.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized. I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request and investigation into my account transactions.
Product: Credit reporting or other personal consumer reports

This is my XXXX Complaint that I was the victim of identity theft. Per Fair Credit Reporting Act Section XXXX ( a ) Credit Bureau are required to remove/block any items which were opened without my knowledge, consent or authority within 4 business days with ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer ; and ( 4 ) a statement by the consumer that the information is not relating to any transaction by the consumer. 
XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXXXXXX XXXX
Product: Debt collection

This is in response to the results of my complaint from ( XXXX ) in your response you state that I entered an agreement with XXXX, so if did not have a clear and conspicuous agreement with you than this account should be deleted from my credit file. Further more no federal law states a contract in a consumer transaction is validation for an obligation therefor chase sending me the contract is not proof of obligation of debt or that I should be forced to pay this debt I am not obligated too. This contract you claim proves I owe something in fact is just proof that I initiated this consumer tractions with my credit card. Also in the additional terms and condtions section part 44 of the contract SECURITY INTERESTyou grant us an irrevocable security interest in the following to secure performance of your obligation under the lease : ( a ) in a payment under any insurance policy or from any other party in payment for loss or damage to the vehicle ; ( b ) in the proceeds of any mechanical breakdown protection contract, service contract, or other optional product or service purchased as a part of this lease ; ( c ) any refunds of unearned premiums or charges for any of the forgoing. You authorize us to apply any amount we receive to your obligation under this lease this means you have already secured payment for any obligation involved with this transaction. 
Also I was never given the opportunity to opt out of having my nonpublic personal information shared with 3rd parties in accordance with Gramm-Leach-Bliley Act 15 USC 6802 ( b ). This is a violation and an invasion of my privacy. P.S if I did owe an obligation why is the balance in the account positive?
Product: Consumer Loan

I paid off most of the loan and my husband lost his job which put me in a bind to have to pay off all the bills so I fell behind on the loan now Continental Credit is calling my job and my Supervisor wants the calls to cease or she will get the company attorney to file a suit against them. Continental Credit in XXXX Texas needs to stop calling my job asap. I spoke with XXXX on XXXX/XXXX/15 at XXXX ( XXXX ) and asked her to cease the calls. She said that 's fine and they would n't call anymore if this continues I will sue them. 

XXXX XXXX
Product: Mortgage

On or around XX/XX/XXXX I requested and received a three month forbearance on my mortgage. I was transferred long distance for work and had attempted to sell my home. Not a single person requested to tour it, much less buy it. 

On XX/XX/XXXX I contacted PNC 's Loss Mitigation department to begin the mortgage modification application process. At that time, I was told to wait until closer to the end of my forbearance period. I pointed out that the source of my hardship, a long distance move for work, was not going to resolve if given more time. They still insisted that I wait to apply. I would later find that my instinct was accurate, and I should not have waited to begin the process. 

On XX/XX/XXXX I began the mortgage modification application process as advised by PNC mortgage. 

On XX/XX/XXXX, I received a letter confirming from PNC Mortgage that my application was complete. This letter states : " You are entitled to the following foreclosure protection because we have received your complete application. PNC can not make the first notice or filing required to commence or initiate the foreclosure process under applicable law before evaluating your complete application. '' On XX/XX/XXXX, PNC Mortgage requested additional documentation. I immediately submitted that documentation on XX/XX/XXXX. 

On XX/XX/XXXX, PNC Mortgage commenced the foreclosure process despite the existence of a complete application. 

On XX/XX/XXXX, PNC Mortgage reported the account delinquent to the credit bureaus, resulting in a 120+ point drop in my credit rating. 

On XX/XX/XXXX, the credit analyst reviewing my application requests additional documentation, thus rendering y application incomplete. This request for additional documentation from PNC mortgage was not communicated to me at any point by mail, phone, or e-mail. 

On XX/XX/XXXX, I received an e-mail from PNC Mortgage that mail that had been sent could not be delivered due to an incorrect address. The e-mail from PNC Mortgage requested I call to provide the correct address. I called PNC mortgage at the number provided and the customer service agent belligerently denied that any e-mail had been sent or that any mail had sent or returned. She also forcefully insisted that PNC mortgage had my address correct. 

On XX/XX/XXXX, I was told by a different customer service agent that PNC Mortgage had attempted to send a " Demand Letter, '' the first step in the foreclosure process, but this letter could not be delivered. This directly contradicts what I was told on XX/XX/XXXX. Additionally, initiating the foreclosure process despite the existence of a complete application is a violation of foreclosure protections afforded to me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX credit card balance reported on credit creports. filed dispute with the big3. under unatherized use of credit reporting. all 10 items removed and reported back to credit report. disputed again. removed. then reported 3rd time as negitive experian, XXXX, XXXX  continue to report neg. items not belonging to me. have contacted crediter. no response. experian stated they will not dispute said items again. experian states by law they do not have to dispute over 1 time. experian, XXXX  have locked me out of my account. this is my information i have a rght to view and dispute any and all information that is not correct. my family lives on the streets due to fake info on reports. turned down jobs, lack of homes due to the big 3 is not required or no laws inposted to make them do the job. XX/XX/XXXX XXXX  breech. info provided to me that my info was lost.
Product: Payday loan, title loan, personal loan, or advance loan

XX/XX/XXXX I applied for a loan and when I went to look at the results the account number they had listed was wrong. I called them within 2 minutes and told them that there was nothing me or them needed to do and they stated the bank would just send the money back to them because the account number was wrong and I would have to reapply all over again. Well weeks later they are calling me for payment on a loan I never received. The amount of the loan was {$1600.00}. XXXX XXXX : XXXX. I have spoke with them several times. The last call I received he they got my permission to speak with XXXXXXXX XXXX to verify if the money was deposited in my account. XXXX verified the payment was not deposited into my account. XXXX stated that was not my account number and I did not receive that money. They keep calling me and now they are causing damage to my credit score stating I am late with payments on a loan I never received.
Product: Checking or savings account

I tried to pay the fees the bank charged me and I did not have access online and they gave me the run around at the branch. I called and visited the branch and I also asked the banking center manager to give me a call and he never did. my account got sent to collections, I paid the balance ad n I was sent to XXXX and reported as account abuse. I tried to explained what happened and they did not want to listen I was treated like a criminal.
Product: Credit reporting or other personal consumer reports

i am in disagreement with the accounts listed below which still appears on my credit report .even after your investigation .i would like these items re-investigated, the inaccuracies are highly injurious to my credit score. 

XXXX XXXX  Acct # XXXX In Accordance With The FCRA, Public Law 91-506, title VI, section 611 15 USC 1681 Please provide the names and business address of each individual with whom you verified the information above so i can follow up. Please send me an updated copy of my credit report after your re-investigation.
Product: Mortgage

I paid my shortage, but they did not update my payment. 
COVID Deferral completed in XX/XX/XXXX - final approval reflected a shortage in escrow of XXXX with the next payment due date of XX/XX/XXXX XXXX  XXXX - out of term escrow analysis completed XX/XX/XXXX reflected a shortage of XXXX, the new payment reflected XXXX XXXX XX/XX/XXXX. The shortage portion of the payment is XXXX. While this stmt was still in the mail .... 

- I paid the shortage, as indicated on the Deferral agreement XXXX  XXXX on XX/XX/XXXX They applied the payment to my escrow account but there is no way on the website to see if the payment was corrected ( shortage collection removed ) until the payment rolls to the due date of XX/XX/XXXX. 

- XXXX payment paid XXXX  XXXX. 
>> new analysis completed XX/XX/XXXX, according to state-schedule - reflects a payment of XXXX and an overage of XXXX - XXXX payment paid XXXX XXXX - XXXX payment reflects due XXXX - they did not remove the collection of the XXXX shortage from the payment after I made that shortage payment XX/XX/XXXX. The analysis completed XX/XX/XXXX is reflecting the deposit to escrow but the effective date is XX/XX/XXXX, therefore an incorrect payment amount and overage. 
I am required to pay the higher amount of XXXX for one month XXXX because of this neglect. 
I called USBank on XX/XX/XXXX, spoke to XXXX at XXXXXXXX XXXX and she told me they can not correct this. I called again and spoke to XXXX at XXXXXXXX XXXX and she also told me they can not correct this. 
Fortunately ( or unfortunately ) I have worked in mortgage servicing and was able to explain to them exactly what happened, why it happened and could have even provided them what screen to go to in in their system to correct this error.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX, XXXX, TN XXXX XXXX XXXX XX/XX/year> XXXX  XXXX XXXX XXXXXXXX XXXX, XXXX XXXX, XXXX, Nebraska XXXX Request for Student Loan Review and Potential Deletion Due to FERPA Violation Dear Consumer Financial Protection Agency I am writing to formally request a review of my student loan records in light of potential FERP violations that may have impacted my loan eligibility, terms, or disbursement. Under FERPA, I have the right to privacy and accurate record keeping regarding my educational history.

Upon reviewing my records, I have identified discrepancies/misuse of my educational information, including but not to information containing highly sensitive personal information about me including Social Security numbers , income data, and an incorrect balance, disbursement error, or fraudulent use of your records in accordance with FERPA regulations and consumer protection laws, I request:1. A full review of my student loan records and any errors caused by improper record-keeping on data misuse.2. A correction or deletion of any inaccurately reported loan amounts or disbursements. 3. Written confirmation of the findings of this review within 30 days of receipt of this letter. If this matter is not resolved, I am prepared to escalate my concerns U.S. Department of Education 's Federal Student Aid Office and file a FERPA complaint with the Family Policy Compliance Office ( FPCO ) .Please confirm receipt of this request and provide guidance on the next steps. You may contact me at ( XXXX ) XXXX or XXXX for further discussion.
Product: Credit reporting, credit repair services, or other personal consumer reports

These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft XXXX  XXXX  Account Number : XXXX This is not mine. 

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

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

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

5. Identity XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

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

7. Identity XXXX XXXX  XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE BANK USA N Account XXXX : XXXX This is not mine.
Product: Credit reporting or other personal consumer reports

Your efficiency and prompt attention to correcting some of the adverse information previously stated on my credit file is appreciated, yet there are still accounts that need to be addressed again and corrected immediately. The XXXX credit bureaus must verify these accounts in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not acceptable to report these accounts as unconfirmed information without validating them within the legally required time range. Please update or remove the following inaccurate accounts in my report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Disputed this item several times with the 3 credit bureas and this company. 
CONN APPLIANCES , INC . 
XXXX XXXX XXXX, TX XXXX The bureas and this company repeatedly says verified but after several attempts I have not recieved verification. There both are violating my consumer rights!

They need to please evidence there authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) .Our I will proceed with litigations if not verified properly per my lettered document attached.
Product: Mortgage

I have a conventional XXXX mortgage at 5 % 30 yr fixed at XXXX XXXX that is a non-XXXX/non-XXXX loan. I have a XXXX mtg. with Ocwen loans at 12.7 % with a 30 yr amortization. The total balance of both loans is {$210000.00} and the home is worth approx. {$160000.00}. I have had both of these loans since XX/XX/XXXX and have not been able to refinance. I want to keep my house. 
I contacted both lenders and neither can refinance. XXXX XXXX told me point blank there is nothing they can do with a refinance because I am still underwater, and the same was stated to me by Ocwen. A mortgage broker by the name of XXXX XXXX was on the phone with me when Ocwen told me there was nothing they could do. Ocwen called me back and suggested that I call XXXX to reduce their rate to make up for the 12.7 % Ocwen rate! Ocwen was very firm that " because I was on time, there is nothing we can do for you. '' On a previous call with XXXX, I was also told I was not on a list to be helped because I was making the payment on time. I have been paying on time since XX/XX/XXXX and there is no fix for me. Ocwen strongly implied that I can not get help unless I am late. However, if I go delinquent to get help, credit I have built over a lifetime will suffer as well as any chance for any help that might be available in the future. I am not alone with this problem. Why ca n't lenders refinance on time paying homeowners who stay put in an underwater home to lower rates? I am doing the right thing and making my payments and there is absolutely no refinance option for me simply because I am underwater and do n't have a XXXX or XXXX XXXX loan. I watched closely XX/XX/XXXX when President Obama brought up a refinance option for those of us with non-XXXX/non-XXXX loans. I am in the lost category and am treading to stay put. Is there any refinance option like HARP 2 for conventional mortgages?
Product: Debt or credit management

A hard inquiry from US Bank on the report Ive never heard of this and have never accounted to this. Also my XXXX  filing I would like to have it removed from report. Thank You
Product: Credit reporting or other personal consumer reports

There are items/accounts on my consumer report that are a result of identity theft. Consumer reporting agency ( TransUnion ) is reporting items/accounts that do not belong to the consumer. Not only is this hindering my ability to operate in commerce, but it has caused mental anguish, defamation of character, my ability to extend credit for personal, household, and family needs. Consumer reporting agencies are to follow reasonable procedures to maximize and assure the maximum possible accuracy of the information concerning the individual whom the report relates to, as well as exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. I believe TransUnion has not been meeting their reasonable procedures in a manner that is fair and equitable. The frivolous inaccurate items that are being furnished on my consumer report are by XXXX XXXX XXXX and XXXX XXXX XXXX, which both organizations have failed to validate the alleged debt/account. There are no contracts in existence between the consumer and the organizations reporting these erroneous accounts. Furthermore, my concern is how they were able to obtain my non-public personal information. TRANSUNION, XXXX XXXX XXXX XXXX XXXX XXXX, are in several violations of Fair Debt Collections Practice Act, the Privacy Act of 1974, the Fair Credit Reporting Act ( 15 USC 1681b, 15 USC 1681e, 15 USC 1681q ), makes me wonder is they attempting to conspire to create a false belief the consumer owes such alleged debt and extortionate the consumer.
Product: Debt collection

In XX/XX/XXXX I self XX/XX/XXXX myself and labeled myself as something that I'm not due to reason of XXXX  XXXX I was XX/XX/XXXX in the XXXX XXXX Jail and released on a signature XXXX then I had four years of XXXX  the last three months were served back in the XXXX XXXX XXXX and ever since XXXX I have had no criminal or legal troubles I've changed my life around and now I am attempting to sue the finance systems of Green Bay InXXXX and XXXX XXXX XXXX for the {$3000.00} bill they charged me for room board when I shouldn't have been there in the first place in the kitchen that I am also appealing the expungement and I are through Wisconsin court of appeals and also applying for a governor 's pardon because this history not only is wrong the charge and conviction are wrong but I don't know it also is very unfair that I can't find a job today with that charge in 4 years I paid over {$3000.00} towards this jail bail and now I am financially broke and can't meet my daily living needs keep in mind that some of those payments towards that jail bill came over the Wisconsin tax intercept program but all the rest the majority of it came out of my SSI benefits in which my representative payee has just graciously been paying to get rid of it so can you help
Product: Money transfer, virtual currency, or money service

I have used my wallet with CashApp before with no problem, but for the last two weeks I've got a severe issue. I opened an account with one of my emails, got funds from some of my clients and then tried to withdraw them. The transaction got rejected by my bank on XX/XX/XXXX as I was reported by CashApp. After  this event I haven't been able to recover my {$950.00} dollars. I tried to log in into my account but their platform cancelled my user name all of a sudden and I just lost track of my money. The platform made me open another account with the same email and, therefore, as the user was another one, I lost my money. I contacted the App 's support team, followed their instructions to link those two users into the last one created to recover my money, but on XX/XX/XXXX I just received a message from them telling me that after following their instructions and even asking for a Card from them, they blocked me and told me that they were not able to merge both users and that this decision was definite. Now they tell me that they can reverse the payments to my clients ( people that I don't know and which already have received their products ) so that I can ask them to send them back to me to my new account. As you can read this makes no sense at all. The support team has confused me, made follow futile steps and misinformed me, and I haven't been able to get my money back.
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not owe XXXX  University or XXXX XXXX XXXX. Amounts shown on the statements I uploaded show {$300.00} payment made back to XXXX XXXX for {$1200.00}. And that I have a zero balance with XXXX University. Everything should have been cleared up after the FTC settlement agreement against XXXX University. But instead it was applied to my credit report twice with different account numbers. Ive been disputing this for years and have not been able to resolve it and now Im trying to go back to school and this is stopping me. Please correct this issue for me as soon as possible.
Product: Mortgage

XXXX XXXX XXXX has constantly sent letters in the mail and harrass me about refinancing my VA Home Loan with them for cash in my bank account after I called their company on numerous occasions that I am not interested in their service. 

I do not want this company contacting me through the mail or phone calls anymore. They are to remove my address and number from their solicitation list and leave me the XXXX alone.