23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I contacted Navy Federal Credit Union ( NFCU ) and spoke with a Mortgage Representative ( Ms. XXXX XXXX ( NMLS # XXXX ) and specifically asked, " Will NFCU accept/use an already approved Veteran 's Administration ( VA ) appraisal? '' and was told by Ms. XXXX that NFCU would ( Email from NFCU ( Ms. XXXX ) attached ). Although Ms. XXXX was not my loan processor, she was extremely helpful in providing answers to my questions. My Loan Processor, Ms. XXXX XXXX ( NMLS # XXXX ) sent me XXXX package ( Tracking # : XXXX XXXX XXXX ) to complete my refinance application and I returned it via XXXX as well. Afterwards, I ended up speaking with Ms. XXXX XXXX ( Supervisor, NFCU Mortgage Department ) ON XX/XX/2021, in great detail regarding my loan and Ms. XXXX asked if I wanted to have my loan transferred to another processor. My response was if it would take more time to process my loan, then I would stick with Ms. XXXX. After a week, Ms. XXXX left a voice message on XX/XX/2021, stating my VA appraisal will be transferred and that it will save processing time since it was already approved and its a VA loan. To my dismay, my loan was transferred on XX/XX/2021 to a new processor, Ms. XXXX XXXX ( NMLS # XXXX ) and was ultimately disapproved in XX/XX/2021 as a result of NFCU claiming it was due to my new credit score that was XXXX. I provided NFCU all the requested information only to be deliberately misled and ultimately disapproved and my credit along with my wife 's has been affected as a result of NFCU 's inability to process my refinance application in a timely manner...
Product: Mortgage

We escrow our taxes with Mr. Cooper. On XX/XX/XXXX I had realized we had not received a check to bring to the city to pay our property taxes from our escrow account. I had sent a chat to Mr. Cooper on XX/XX/XXXX to see where the check was and if it was sent out. I received a chat response that the check was sent out in XXXX and we should have received the check by then. They said they would reissue the check and I should receive it within 10 business days. A few days after my initial contact I received a check in the mail from our escrow account and it was dated XX/XX/XXXX. I contacted Mr. Cooper and they told me this was the initial check that was sent and is void. During my initial contact if they would have said the check was sent out XX/XX/XXXX I would have delayed then reissuing a new check. They said the new check should be coming via mail in 10 business days. 

I had not received the check before the end of the year so my husband and I contacted Mr. Cooper again on XX/XX/XXXX. They said that they reissued the check but it was missing. They said they did not understand why the check was being sent to us and the city and not directly to the city of XXXX XXXX. We said we were fine either way if they want to disburse funds to the city directly we were agreeable. The taxes are due XX/XX/XXXX and we just want to assure they are paid. It is now XX/XX/XXXX and we still have not received a check and the city is not paid. I have called 5 or more times and nobody can tell me where the funds are and when they will be paid. Mr. Cooper keeps saying, " the tax department is handling this ''. But this has been an issue since XX/XX/XXXX and nobody has contacted me from the tax department. Last week XX/XX/XXXX I spoke with a representative XXXX who told me none of my requests were marked urgent and the tax department had not responded to where the funds are. I asked today for an update via chat and Mr. Cooper said they have no update. They are with holding the money for escrow for no apparent reason and I am going to be late on my taxes. I have never been late on a mortgage payment or in default so I do not know why they are withholding our funds.
Product: Credit card

Obviously banks use and or consider credit cards that they issue ( used or unused ) as an asset. Closing an account, does not stop this bank in particular, from issuing another credit card ( unwanted and un-requested ) to a prior customer even though said customer closed the account and specifically stated that they did not want another credit card issued in their name. I have previously had a credit card issued under these circumstances then be used a year later and the credit card company sent me the bill. It took six months for them to finally determine that the charges were fraudulent and not my responsibility. 

When the customer calls to complain they state " that the card is inactive, and that they will cancel THAT card '' but they will not say that the account is permanently closed and then as I said a year later issue a new card.
Product: Credit reporting or other personal consumer reports

I requested my information be updated through a dispute letter through mail, but no results were received. Due to these errors, my account is inaccurate, and I request it be updated immediately. 

Under FCRA Section 611, I have the right to dispute inaccurate information and expect the credit bureau ( s ) to conduct a reasonable investigation within XXXX  days. However, Transunion has failed to fulfill this obligation, thereby infringing upon my rights as a consumer.
Product: Credit card or prepaid card

I am being denied a credit card based on an old account I had defaulted on but paid with a collections agency in XXXX. 

I am aware of others that had accounts closed due to fraud and have been extended credit yet I am not. I was told by a representative at Capital One that " there's nothing I could do to earn credit or change the status of my defaulted account to reflect that I paid the collections agency ''. 

I am not asking to be treated special ; I am requesting the respect I deserve and the opportunity to rebuild my credit as a lower-income consumer that's fighting my way up towards self-sufficiency.
Product: Debt collection

I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under XXXX XXXX XXXX. Additionally, these misstatements are punishable as perjury under XXXX XXXX XXXX. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Product: Debt collection

On XXXX I received a wage attachment at my job regarding a debt fro XXXX. I disputed that debt back in XXXX when my ex used my card without my permission. Never hear a word about it after that. I asked for a validation of debt but they just sent me a print out of the original balance that I originally disputed 12 years ago and was advised I had nothing to worry about. I have great credit and this account is not on my credit report. The attorney is very rude, demanding and threatening. I never received a correspondence regarding this or a wage attachment.
Product: Credit reporting, credit repair services, or other personal consumer reports

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$890.00}, {$8500.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNT 1. XX/XX/XXXXXXXXXX/XX/XXXXwith ACCT # XXXX opened on XX/XX/XXXX with a balance of {$890.00} -This is not my account. 

-- AUTO ACCOUNT 2. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8500.00} -This is not my account.
Product: Credit reporting, credit repair services, or other personal consumer reports

I asked the credit bureaus to verify the following accounts but after sending in a letter of dispute, they still failed to verify the said accounts. 

In accordance with the Fair Credit Reporting act, XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX XXXX XXXX Account number : XXXXXXXX XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX  Account number : XXXX XXXX XXXXXXXX XXXX ( Original Creditor XXXX XXXX XXXX ) Account number : XXXXXXXX XXXX Account number : XXXXXXXX XXXX XXXX  Account number : XXXX XXXX  Account number : XXXXXXXX XXXX XXXXXXXX Account number : XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX Account number : XXXX, has violated my rights. 

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

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
Product: Credit reporting, credit repair services, or other personal consumer reports

So a few months ago I fell contacted Carmax auto Finance in regards to putting some of my past due payments on the back because I was no longer and fell behind .At first they were not willing to work with me, so I had to take the complaint a step further, which is when I was contacted by Carmax 's Executive offices, who agreed to place the past due payments on the back, once I paid down I want to say a month or so. Once I did that they would place the remaining past due payments on the back, and update the late payments with the credit bureaus, because I faced a hard ship. Yet here I am months later and my credit reports still shows the late pays and it showed that I missed a payment which I did not since they put the past due payments on the back of my loan. The end story is that they are being misleading, by not 100 percent following through with what they said. I am truly grateful that they put the late pays on the back of my loan. But yet they promised to remove the late pays and did not, and reported another false late on XX/XX/19. This is absolutely insane!!!
Product: Credit reporting, credit repair services, or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the major credit bureaus are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on my credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demanded to see by Verifiable Proof ( an original Consumer Contract with my Signature on it ) from Transunion, XXXX, and XXXX what they have in their possesion on file of the derogatory accounts listed on my credit report as well as the unauthorized inquiries with no success. All three credit bureaus failed to positively verify by physical verification as requested by me on several EVERY SINGLE MONTH for these accounts that has hurt my ability to obtain credit. I repetitiously dispute Under the FCRA that unverified accounts must be removed if you are unable to provide me a copy of verifiable proof. My requests have gone ignored and per FCRA you must remove any and all of the accounts that can not be physically verified. XXXX, XXXX, nor TransUnion have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA They are required to promptly DELETE all information which can not be verified.
I informed all three major credit bureaus that The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if the credit reporting agencies fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
In the results of their first investigation and subsequently in their re-investigation, they stated in writing that the accounts were verified that these items are being reported correctly. When I asked Who verified these accounts and for physical proof? XXXX, XXXX, or Transunion have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore they have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA All major credit bureaus are required to promptly DELETE all information which can not be verified.
Product: Checking or savings account

On XXXX, 2023 I deposited a check from XXXX XXXX in the amount of {$64000.00} in my Chase checking account a few days later I deposited a check from XXXX XXXX XXXX in the amount of {$1800.00}. I was informed that the funds would be available on XXXX XXXX, 2023, when that date arrived the funds from both these checks were not available. I contacted Chase customer service and was told the bank had to ascertain that the checks were indeed issued to me and the bank needed a phone number to contact the issuing parties for that purpose. Both of the checks had contact phone numbers on them. I was told by customer service that those phone numbers, the ones actually on the checks, could not be used by Chase to verify the checks. I contacted both of the check issuers and was told the checks were legitimate and Chase should call the phone number provided on the check, I was given additional phone number but these were not acceptable either. I was also told that both checks had been cashed by Chase. I again contacted Chase and was told that Chase did indeed receive the funds but they could not be released to me until I could get a phone that was acceptable to Chase. I was also told that my account would be closed, which it was and I no longer have access to my past transactions involving that account. After my account was closed I received a check from Chase in the amount of {$9800.00} which was the amount in my account minus the {$66000.00} which was held back. I was told that the funds held back would remain with Chase for a period of time and then be sent to the government. I am not sure what that means.
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 # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX Account Name : XXXX  XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXXXXXX XXXX # XXXX Account Name : XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX # XXXX Account Name : U.S. Bankruptcy XXXX # XXXX 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 XXXX 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

These 2 accounts with the Department of Education just re-appeared on my credit report after previously being removed. These 2 accounts are time-barred from credit reporting due to their age. The Date of First Derogatory ( DOFD ) that led to default was more than 7 years ago. I have not voluntarily made a payment on these two accounts in over 7 years. The Department of Education has illegally re-aged these 2 accounts and they need to be removed from my credit reports at Experian, XXXX and XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

collection accounts- In your letter, say its illegal to furnish income on a consumer report. A charge-off, according to the IRS, is income and you must file a 1099-C. I never received a 1099-1. Remove this information from my consumer reports immediately. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX {$290.00} Late Payment 15 U.S.C 6802 Gramm-Leach-Bliley 15 USC 6802 ( a ) ( a ) Notice requirements Except as otherwise provided in this subchapter , a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

-a court and a credit bureau are nonaffiliated third party institution.

Non personal information means personally identifiable financial information ( address, name, phone number, social security number, credit report information, late payments, student loans, bankruptcy, etc ) XXXX  XXXX XXXX  XXXX
Product: Money transfer, virtual currency, or money service

I am writing to formally express my concerns about Zelles handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using Zelle numerous times and reporting discrepancies, my financial institution and Zelle failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was infeasible. The CFPBs findings have indicated that Zell has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams.

This lack of accountability and transparency Is unacceptable and raises serious concerns about consumer safety.
Product: Credit reporting, credit repair services, or other personal consumer reports

Upon reviewing my updates, the incorrect information was still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian, XXXX and XXXX was XX/XX/2022, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, XXXX5 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to update immediately : XXXX XXXX Balance : {$6600.00} XXXX XXXXXXXX Balance : {$8100.00} XXXX XXXX XXXX XXXXXXXX Balance : {$24000.00} XXXX XXXX Balance : {$3600.00}
Product: Checking or savings account

Received a debit card in the mail XXXX from Chime with instructions on how to activate the debit card. I did not under any circumstance open the account nor did i give anyone permission to open a account under my name. I have recently been a victim of identity fraud so all 3 credit bureaus have been locked. Apparently Chime does not require a credit check so someone was able to open the account without being flagged to the creditors. I contacted Chime thru email the very next day to get them to close the account and they stated they need a copy of my drivers license to verify and close the account. It seems they require more from you to close an account than to open one. I called the number multiple times and cant get a live person on the phone. I want this account closed right away to make sure no harm is being done. Its outrageous that you have to send them such private information to delete an account but dont require any prove of your identity when opening an account.
Product: Credit reporting or other personal consumer reports

Account has been written off and it's a balance and its not supposed to be on my report. 
The XXXX XXXX XXXX on my account was written off as a charge off. According to the IRS it clearly defines a charge off as Gross or Ordinary income, Income does not get reported on the CONSUMER REPORT, which in fact makes your reporting to this account Inaccurate. By definition the IRS clearly says a CANCELLED debt or CHARGE off is income. The reporting of this account as debt is inaccurate.
Product: Debt collection

Company is deducting a commission from the payments I have made equaling 25 % of my payment.