23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit card or prepaid card

Hello - This is following up with another complaint about complaint XXXX filed on XX/XX/XXXX. Navy Federal Credit Union did not respond to let me, or the CFPB, know when they allegedly told me I owed them {$12.00}. I never received an email. I never got a text. I did not receive a phone call. I was never sent a piece of physical mail. It is the law that Navy Federal must contact someone if they claim they owe money. I was never contacted. All of my documentation - 20+ pages - of records of phone calls, mail scanning, etc is all attached to the first complaint. Navy Federal never told me I allegedly owed them XXXX and so they reported it to the credit bureaus and ruined my credit. Now I can not buy a house. 

See the complaint response from Navy Federal below. I called them yet again today ( XX/XX/XXXX ) at XXXX ( XXXX ) and was eventually transferred to a supervisor. After telling him of my problem and how I've never been told when Navy Federal let me know of this XXXX I owed, nor did they address it in the CFPB complaint, he hung up on me. So it seems you definitely can not contact that XXXX number at anytime as no one was able to assist me and when I got someone on the phone, he hung up. 

THE ORIGINAL COMPLAINT RESPONSE FROM NAVY FEDERAL BELOW. NOTE THEY NEVER SAY WHEN THEY LET THE CUSTOMER KNOW OF AN ALLEGED XXXX DUE. THAT'S BECAUSE THEY NEVER LET THE CUSTOMER KNOW BEFORE REPORTING THE XXXX TO THE CREDIT BUREAUS AND RUINING HER CREDIT SCORE The following references the complaint we received on XXXX XX/XX/XXXX from the Consumer Financial Protection Bureau on behalf of Navy FederaXXXX member XXXX XXXX XXXX. The complaint was assigned a case number of XXXX. Navy Federal has reviewed XXXX XXXX concerns. Our records show that on XXXX XX/XX/XXXX, our member made a payment in the amount of {$3900.00} to her credit card account ending in XXXX. Our members credit card statement issued on XXXX XX/XX/XXXX indicated a balance of {$12.00} due by XXXX XX/XX/XXXX, and the payment was not satisfied until XXXX XX/XX/XXXX. The account is closed and has been paid in full. We have confirmed that we are reporting accurate information to the four nationwide credit reporting agencies regarding XXXX XXXX Navy Federal credit card account. We will not request the removal of valid data from her credit file. Should XXXX XXXX have any questions, she may contact us toll-free anytime at XXXX ( XXXX ).
Product: Mortgage

On XX/XX/XXXX, I contacted XXXX XXXX, Loan Officer, NMLS XXXX, at Flagstar Bank to inquire about refinancing my mortgage. XXXX told me it would take 60 days to refinance my mortgage. I began the refinance process with Flagstar Bank. I paid Flagstar Bank an appraisal fee of {$550.00}, which was charged to my credit card on XX/XX/XXXX. The appraisal we performed on my home on XX/XX/XXXX. On XX/XX/XXXX, I cancelled the refinance process with Flagstar Bank because they were taking to long. When I contacted XXXX to inquire why the delay, he told me the loan processor was out for 2 weeks and caused a delay in processing my refinance. Interest rates were rising and I did not want to delay refinancing my mortgage any longer. I switched to another, more responsive, lender. I began the refinance process again. Since I had already paid for an appraisal, I had requested Flagstar Bank to transfer the appraisal to my new lender, which they did. When it came time to sign my loan documents for the refinance, I noticed on the Borrower ( s ) Closing Statement a charge from Flagstar Bank for {$610.00}. I contacted my Loan Officer and she provided me with an invoice from Flagstar Bank for {$610.00}, that was sent to my escrow company, for the appraisal stating " Paid Status : UNPAID. '' I called Flagstar Bank 's customer service on XX/XX/XXXX and explained the situation to them. When I asked her to provide me with a paid invoice showing I paid for the appraisal and the fee of {$550.00} was charged to my credit card on XX/XX/XXXX, she declined to do so. I told her I am filing a complaint with CFBP, she did not seem to care.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX Washington XXXX DC XXXX Subject : Dispute Regarding Late Payment under the CARES Act Dear Sir or Madam, I am writing to file a formal complaint regarding a late payment on my account with XXXX XXXX XXXX. I believe this charge is incorrect and should be removed under the XXXX XXXX. 

Description of the Situation : Account Details : Lender Name : XXXX XXXX Account Number : XXXX Late Payment : XX/XX/XXXX Date of Late Charge : XX/XX/XXXX Amount of Charge : {$80.00} Reasons for the Dispute : Under the CARES Act, consumers are entitled to certain protections related to payments during the COVID-19 pandemic.I spent several months without working due to the pandemic and when I started working I decided to pay my debts and fulfill my obligations. 


I request that this situation be reviewed and that the late payment charge be removed from my account. Thank you for your attention to this matter, and I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Checking or savings account

Citi bank closed my account told me to come the day of that my check was cleared to receive the funds to later o ln tell me they sent a check out to me to receive the funds I was lied too about where my money was going to be sent to me. I never was able to receive the funds they are holdi OKng my funds with no explanation
Product: Money transfer, virtual currency, or money service

The bank under choice financial group Current bank has committed fraud against me. The reason owning to despite sending numerous documents including sending me an email of approval from submitting my check. They decided time and time again to not only to lie and decisive me but cheat me out of my check. I have correspondence from agents including chat history of how cruel and vicious they are and unsympathetic. This has happened once before with another check too. Despite that being resolved Current bank did it yet again. They are by far the worst bank in history. They think that because youre at there mercy that they can treat poorly and nothing will happen. On numerous occasions they were late with contacting me about my complaints against there staff and company in general. The agents will do just about anything to avoid you talking to a supervisor including lie about there job description and lie about an available supervisor. Do not go to Current bank under XXXX XXXX XXXX. They are the most un professional and inadequate bank that Ive been apart of.
Product: Credit reporting or other personal consumer reports

Notice someone applied for credit card in my name. Identity theft report attached at the bottom. 
XXXX  XXXX XX/XX/year>
Product: Vehicle loan or lease

I have 25,000 on my credit from an auto loan with 24,000 from added fees. The main items i believe to be incorrect are listed below along with a report I have created outlining the timeline/data and documents repeatedly submitted to Security Service Federal Credit Union as Proof of Insurance . 

The vehicle i purchased was insured before I left " XXXX of XXXX XXXX ''. The creditor " Security Service Federal Credit Union '' applied " Forced-placed insurance from the initial date of the loan and throughout the contract. The insurance company and I submitted proof of insurance to the creditor various times via email, fax, and certified mail throughout the contract starting from the original purchase date. 

The insurance companies have supplied the certified letters sent to the creditor as proof of insurance. The contract I signed included " Gap '' insurance in the total finance amount. The " Gap '' insurance provider was paid out by the lender and immediately added to my credit. The " Gap '' insurance provider agreement states full coverage only when the vehicle has insurance. I had insurance during the theft and when the applied " XXXX XXXX XXXX '' was on my account every month. 


The fraudulently applied XXXX XXXX XXXX  '' amounts added drastically change the balance by 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 : First Premier # 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. The afore mentioned accounts have violate my rights per the following laws : 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

Regardless of the multiple written requests, the ITEMS listed below are still reporting on my credit report which is a violation of FCRA. The Bureaus failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law, they failed to properly investigate the matter by using a third party as their verification provider and have continued reporting the unconfirmed & unverified information. Given all my attempts to address it directly with EXPERIAN AND XXXX CREDIT BUREAUS, they are willfully negligent and non-complying with federal statutes & I need this matter handled immediately. Please remove the items below in my file : XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XX/XX/2023 ; XXXX XXXX XXXX XX/XX/2023 XXXX
Product: Credit reporting or other personal consumer reports

This is my NUMEROUS request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following ITEMS. 

XX/XX/2022
Product: Checking or savings account

I really don't know where to start... but here goes on XX/XX/2022 I opened a savings account with Citizens Bank represented by account # XXXX. The funds to fund the account was to come from XXXX By XXXX XXXX, but I was having a hard time linking the external bank, I kept getting error messages. I then decided to close the account because of all the problems linking. I closed the savings account but for some reason Citizens Bank was able to start the ACH transfer, I do not know how because I never was able verify and link Citizens Bank, they must have used the information from my application to start the money movement. 
When the funds arrive from XXXX, no open savings account number with Citizens Bank, they are telling me they sent the funds back on XX/XX/2022 sender trace # XXXX and receiver trace # XXXX. I waited until XX/XX/2022 to start checking account with XXXX to see if the funds arrived..nothing and today is XX/XX/2022 no {$15000.00}. I also provided the above numbers to XXXX, they are telling me they can not find anything you must go back to Citizens Bank they are the ones that asked for the funds ( {$15000.00} ). My conversations with XXXX, they want nothing to do with this..Citizens Bank has to find your money, nice. 
I am wondering if some type of fraud may have taken place?
Product: Credit card

In XXXX  I was notified that my identity was stolen in my personal email and employee personnel file. 

I notified the credit reporting agencies and my bank. 

Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX were all fraudulent credit card accounts I started to get letter from creditors I never applied to or got accounts with. 

Immediately filed a police report with XXXX and the FBI, IC3.gov, and my credit reporting agencies. 

I still having trouble today with it.
Product: Debt collection

I have been contacted several times by this company claiming I have a debt that is owed to them in a card that was stolen and was eventually supposedly resolved by XXXX XXXX. When I explained this to the debt collector he then proceeded to use foul language with me calling me slurs and telling me it was my debt and did not offer a solution since clearly this collection was not supposed to happen as I was promised. This is all being handled in professionally.
Product: Debt collection

My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. 

Despite the multiple previous written requests, the unverified account listed below still remains on my credit report in violation of Federal Law. The XXXX and XXXX XXXX Credit Bureaus have failed to comply with Fair Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. These statuses are damaging to my report, which would not be happening if the bureaus are investigated properly before posting derogatory information. 

1. EOS CCA XXXX Balance {$170.00}
Product: Student loan

Thousands of students were scammed by Navient into taking out predatory private loans to attend for profit online schools such as the one I attended, The XXXX XXXX XXXX XXXX XXXX. Because of the numerous claims of fraud and misconduct perpetrated by similar online for-profit schools, I was able to file a Borrower Defense claim with the Dept. of Education against The XXXX XXXX XXXX XXXX XXXX, and my Federal loans were discharged in XXXX. 
My Borrower Defense Claim was also part of the XXXX Vs. XXXX settlement for which I was a full class member. 
I am aware that Navient was sued by XXXX state AGs regarding their predatory loans to attend these online for-profit schools and that Sallie Mae/Navient were a " preferred '' lending company in a " deal '' with these schools during the early XXXX XXXX ( I attended from XXXX ). 
I am aware of a " pilot '' program by which Navient is sending out " applications '' to select students who may have filed Borrower Defense claims against their schools and were approved. The notion of this application is frustrating to me. Why should I need to prove anything? Navient knows who we are. Under the FTC " Holder Rule '' Navient is liable for giving predatory loans in connection with online for-profit schools. I contacted Navient directly XX/XX/XXXX, and was not informed of any applications when I requested them. Instead, I was told that my loans were " going to be reviewed ''. I do not trust them with such a process, and do not feel like they have been forthright about a topic that should be very clear-cut. If my federal loans were discharged because my school committed misconduct, why are my private loans still in question? And, at the very least, why have they not prepared a plan to relieve these borrowers ( at least partially ) when the rulings against my school is nearly dating back a full year at this point? 
Senator XXXX XXXX has sent a letter to Navient 's CEO asking to discharge these loans. It's time Navient do the right thing and discharge all these predatory private loans made to attend online for profit schools.
Product: Debt collection

I am writing to file a formal complaint against Comenity Bank regarding their reporting of false information on my credit report, harassment through repeated communications, and their failure to validate an alleged debt.

False Reporting on My Credit Report Comenity Bank is reporting several accounts on my credit report that I do not recognize and believe to be inaccurate. Despite my several requests for validation, they have failed to provide any of the following : Proof of the alleged debt. 
A copy of the original agreement or contract. 
Documentation showing an assignment or transfer of the debt, if applicable. 

Harassment and Excessive Communication Comenity Bank has also been contacting me multiple times a day, from several different numbers in an attempt to collect this alleged debt. These excessive communications are harassing and distressing, and they violate FDCPA rules against abusive and harassing practices. 

This reporting is causing significant harm to my credit and financial reputation as well as stopping me from purchasing a home for myself and my children. Their failure to validate the debt violates my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

This is not a request for
Product: Credit reporting or other personal consumer reports

XX/XX/2024 I mailed out the a letter to XXXX, XXXX, and Experian Explaining to them that they are in violation of many different codes. They are reporting payment history, delinquencies, amongst various of other things without my authorization. It need to be updated or removed immediately As theyre going against the FRCA .
Product: Credit card or prepaid card

I have a small business in XXXX, IL on XX/XX/XXXX I used a promotional check offered to me in the mail at 2.99 % for an insurance payment of {$2700.00} due on XX/XX/XXXX from my business credit card from XXXX XXXX XXXX, I have two other promotional transfers on the card totaling {$3800.00} used after that that are due in full on XX/XX/XXXX total at 0 % after looking at my statements for the year I see that all my XXXX payments that I have been sending every month since XX/XX/XXXX have been going to my 0 % balances and I am getting charged all interest on my XXXX at 2.99 % balance and it isn't going anywhere. 

They tell me they pay off the 0 % percent first always because its a business. 

This is totally a rip off, why would any bank or credit card want to cause a business to have to hang on to a 2.99 % balance due on XX/XX/XXXX when they have two other balances at 0 % not due until XX/XX/XXXX All I see is greed to get more interest charges to my business, I am totally disgusted! 

I would like someone to look into this to please let me know how this could be legal.
Product: Credit reporting or other personal consumer reports

I am disputing an account reported by XXXX XXXX on my credit report. The account in question was marked as " verified '' by Experian without providing me with any supporting documentation to substantiate this verification. 

On XX/XX/year>, I submitted a dispute to Experian regarding the accuracy of this account, as I do not recognize the debt. 
On XX/XX/year>, Experian responded, stating the account was verified by the creditor. However, Experian did not provide any proof or supporting documentation to substantiate the verification, such as an original signed agreement or payment history, as required under the Fair Credit Reporting Act ( FCRA ). 
Following Experian 's response, I also sent a direct verification request to XXXX XXXX. To date, I have not received any response or documentation from them to validate the account. 
Under the FCRA, I have the right to request and receive evidence that the debt is accurate, valid, and belongs to me. Experians failure to provide this documentation while continuing to report the account constitutes a violation of my rights under the FCRA. 

Timeline of Actions : Initial dispute submitted to Experian : XX/XX/year> Experian 's response : XX/XX/year> ( stating the account was verified without proof ). 
Letter sent to XXXX XXXX for verification : XX/XX/year> No response received from XXXX XXXX to date. 
I believe this account has been inaccurately verified, and neither Experian nor XXXX XXXX has provided me with sufficient evidence to confirm the debts validity. I am requesting the CFPBs assistance to investigate this matter and ensure Experian and XXXX XXXX comply with the FCRA by either providing proper verification or removing this account from my credit report.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have complained to the credit union directly, to the CFPB on XXXX and now again on all 3 of the bureaus and had to file a formal complaint against the credit union for misreporting info to the bureaus, not fixing it when I contacted them 3 times and for the bureaus also not correcting their errors. The XXXX account shows different paid off dates from all 3 bureaus. How is it possible I paid off the account on 3 different dates???? I would love to hear the explanation to that one! XXXX can't seem to understand how to reflect a correct payoff date on my paid off, closed auto loan. Their date is totally different AND WRONG from XXXX and Experian! They at least got those dates correct. Now it's time for all to get the information correct or remove the accounts from my credit per the FCRA laws for which all 3 and the credit union are in direct violation of!!!! I'm tired of playing games with all 4 of you. If this garbage is not corrected or removed from my credit by the time I run my next report on XX/XX/16 then I will go forward with suing all 4 of you. This is not rocket science! Don't attempt to lie or close my complaint as a " duplicate '' because I've already reported the CFPB to my local Congressman who opened an investigation into them, for not following their own rules and laws! That's pending. I don't have a problem including them in the law suit either! All of you deserve to be sued because you're all stupid and think you can abuse the laws and no one will call you out for it! I will! This game playing is going to end effective immediately. Fix it or risk being sued, all of you! I told the credit union the same and I'll send their legal paperwork directly to the CEO in an effort to get them fired for not fixing a simple problem, that should've been done months ago. Instead I've filed repeated complaints here and now with the XXXX  which is my 3rd or 4th complaint to the credit union. Enough is enough, if I have to send the loud and clear I'm not beyond doing it.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a XXXX XXXX and notified of the data breech so i checked my report and i found several hard inquiries to things I never applied for. I also saw a XXXX bank account in Texas that is not mine but has been opened since 2019! That is not me, please help!
Product: Credit reporting or other personal consumer reports

the accounts listed below are done with fraud .I never open these accounts. I have filed a police report and attempted froze my reports. 

XXXX XXXX XXXX XXXX  ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX XXXX XXXX ACCOUNT XXXX AMOUNT XXXX XXXX  XXXX ACCOUNT XXXX AMOUNT XXXX