23daVinci/CFPB_Complaints huggingface dataset:
Product: Vehicle loan or lease

I am writing to bring to your attention concerning violations of fiduciary duties and unethical conduct by Navy Federal Financial Group XXXX XXXX XXXX XXXX  in their handling of a security barter transaction and subsequent attempt to repossess my vehicle. 

As an investor, I engaged in a security barter transaction with XXXX XXXX, wherein I exchanged a security for a vehicle of equal consideration. However, XXXX XXXX has failed to uphold their fiduciary duties and obligations to me as a client. 

I have repeatedly attempted to address concerns regarding the terms and conditions of our agreement, which may have been overlooked during the initial contract signing. I have corresponded with XXXX XXXX 's XXXX XXXX XXXX ( XXXX ) in writing to provide updates on these terms and conditions, yet my inquiries have been consistently ignored. 

Furthermore, I sent XXXX XXXX a registered security via registered mail with the expectation that my account would be duly credited. However, XXXX XXXX failed to perform this action, thus breaching their fiduciary duties to me as a client. Despite numerous attempts to address this issue, XXXX XXXX has continued to disregard my concerns and requests. 

Additionally, through a forensic XXXX, I have discovered that Navy Federal Credit Union is engaging in unsafe and unsound practices, specifically pertaining to securities fraud. This revelation is deeply concerning and underscores the need for immediate action to protect investors ' interests. 

In a blatant disregard for our agreement, XXXX XXXX attempted to repossess my vehicle last night, despite it being provided to me as part of the security barter transaction. Moreover, XXXX XXXX failed to disclose to me the requirements under Florida state law regarding repossession attempts, and unlawfully entered my gated community without proper authorization. 

During the repossession attempt, the tow truck driver, who refused to provide identification, engaged in intimidating behavior and attempted to access my vehicle 's interior, causing me significant distress and fear for my safety. Furthermore, his negligent handling of the vehicle resulted in noticeable damage, compromising its functionality and safety. 

As an investor, I am seeking immediate arbitration to address these serious violations and obtain appropriate remedies. I demand that XXXX XXXX cease all repossession efforts, rectify the damage caused to my vehicle, and provide compensation for the distress and inconvenience endured. Additionally, I request a thorough investigation into XXXX XXXX 's practices and accountability measures to prevent future misconduct. 

Enclosed are copies of relevant documentation, including correspondence with XXXX XXXX, evidence of the security barter transaction, and findings related to securities fraud, for your review and consideration. I urge the Consumer Financial Protection Bureau to take swift and decisive action to address these egregious violations and uphold investor rights. 

Thank you for your attention to this matter. I look forward to a prompt resolution.
Product: Credit reporting, credit repair services, or other personal consumer reports

THE DISPUTED ACCOUNT SAID THAT I WAS LATE FOR THE MONTH OF XX/XX/2018, XX/XX/2018, AND XX/XX/2018. I AM ASKING FOR A GOODWILL ADJUSTMENT FOR THE DISPUTED ACCOUNT FOR I WAS GOING THROUGH A DIFFICULT TIME IN THE YEAR.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have submitted my FTC reports and letters to XXXX, Equifax and XXXX with no resolution or response.
Product: Credit reporting or other personal consumer reports

Details of the Dispute : 1. Incorrect Name : My current legal name is XXXX XXXX, but it is incorrectly listed as [ XXXX XXXX XXXX, XXXX XXXX XXXX ] on my credit report. I request that my name be updated to reflect the correct information. 

2. Outdated Address : My current residential address is XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXXXXXX, while my credit report shows an outdated address of [ XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX ]. I request that my current address be updated accordingly. 


3. Incorrect Wrong Employer : My correct employers is XXXX XXXX XXXXXXXX XXXX. 

Supporting Documentation : I have enclosed copies of supporting documents to verify the accurate information provided above, including : A copy of my driver 's license or passport displaying my correct name. 
A recent utility bill or bank statement showing my current address.
Product: Credit card

I have been in contact with them over this promotion since I complied with the agreement to spend {$1500.00} in 60 days. I complied within 30 days. No promo {$300.00}. Each time I call or Chat with them they ask for original Email offer. I can not provide since it was deleted after application. Card was approved that same day. 
They claim to begin investigation for 10 days no response. 
Ready to close account after misleading promotion.
Product: Vehicle loan or lease

I got a loan from XXXX and the XXXX holder was bridgecrest.I XXXX XXXX XXXX and the car was repossessed on XXXX XXXX also a agent told that I was informed about this .I explained I never receive in paper documentation in the mail in regards to how much I was default by I wasnt able to obtain my things before the car was even sold or afther .Also their a lot of stuff on the contact that was not explained to me .Also they reported XXXX different amount to XXXX different via XXXX  and via XXXX.They also have XXXX complete different dates in regards to the repossession.
Product: Credit reporting or other personal consumer reports

Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly.

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. 

I also believe that the credit bureaus have violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear explanation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 

2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services.

3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA.

I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes.

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus
Product: Prepaid card

I opened RUSHCARD and had paycheck go direct deposit on card for my first deposit, which applied on XXXX XXXX, which I assumed until i tried to pay for gas to get to work. When I called customer service was told just wait a day or two since they were trying to update system. On many fail attempts was unable to pay bills, provide food for my family nor pay for my rent. My card kept appearing inactive online and made several phone calls that card was inactive and not able to be used. It took me 8 days for my paycheck to post and was only able to use a part of it.
Product: Money transfer, virtual currency, or money service

Date : XX/XX/2021 Time:XXXX ( Mountain Standard Time ) Amount : {$200.00} destination : XXXX. 
I was sending these funds to my brother for a funeral. I received an email confirmation that the transaction had been sent successfully. 
Date : XX/XX/2021 Time : XXXX ( Mountain Standard Time ) Email notification from Moneygram : Transaction had been canceled.

I called Moneygram and they said that the receiver had rejected the funds. 
I called my brother and he stated that he did not receive any notification of the funds I was trying to send. 
Complaint : 1. Funds were removed from my account immediately.

2. The transaction was canceled by Moneygram 3. Why are the funds not returned to me immediately? Why do I have to wait for 3 to 10 business days to receive my funds when Moneygram is responsible for intercepting and canceling the transaction? 

My personal thoughts on this : My brother is a banker in XXXX. He informed me that there are people in IT who intercept transactions to trade ( Bitcoin/cryptocurrency trend ) and make profits before returning funds to the consumer. This is wrong if this is what happened here. I request that this be investigated because if you look at complaints that have been sent to XXXX and other platforms, more and more people are coming forward to say, something is wrong with Moneygram.
Product: Credit reporting, credit repair services, or other personal consumer reports

I called XXXX/Experian/XXXX  after I purchased a credit report with XXXX  on XX/XX/XXXX. After receiving a copy of my report, I saw this UNVERIFIABLE item on my personal profile, I noticed that there were Names : Addresses : Accounts : And inquiries : on my credit report which are misleading to me. I sent a letter to the 3 credit bureaus ( " DATE OF PREVIOUS LETTER '' ). I believe they have failed to authenticate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). I included this in my last COMPLAINT # and hoping that this XXXX  XXXX Late payment XX/XX/XXXX 30 days late will be removed. 
XXXX XXXX XXXX Balance : {$940.00} XXXX  XXXX XXXX Balance : {$800.00} XXXX XXXX  XXXX Balance : {$95.00} XXXX XXXX XXXX Balance : {$15.00} XXXX XXXX XXXX Balance : {$90.00} XXXX XXXX XXXX Balance : {$100.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX  XXXX XXXX Balance : {$800.00}
Product: Debt collection

my credit report from XXXX says I lived at a address that I never lived before and debt is from XXXX which I never had a electric bill in my name with a balance of XXXX dollars I even took paper work to them to prove I never lived at the address tried to do everything they ask of me
Product: Bank account or service

I withdrew {$250.00} directly from the Wells Fargo bank teller on XX/XX/XXXX at around XXXX, and was given XXXX {$100.00} bills and XXXX {$50.00} bill. I needed the cash to exchange for XXXX currency on my upcoming trip to XXXX. When I got to the currency exchange stand in XXXX, I was informed that they could not accept XXXX of the {$100.00} bills because it was counterfeit. They returned it back to me after writing " COPY '' on it. Upon my return to the USA, I took the marked bill to the same Wells Fargo branch where I took out the money and explained what happened. They confirmed that it was counterfeit, but informed me that they could not do anything about it because I had already left the " store '' with the counterfeit money. I asked if they could review tapes or confirm who the teller was, but they said it would not help since I had already left the store. They were condescending and rude. i closed my account immediately and withdrew any remaining monies in the form of a cashier 's check. I took the counterfeit note to the XXXX, as I have learned through my own research is policy. To the best of my knowledge, the bank has not reported the incident nor are they looking into the distribution of fraudulent money. I spoke to the service manager while I was there, but I was not able to speak with the branch manager ( nor was this option offered ). I have also not been able to get a hold of the branch manager by telephone. The Wells Fargo branch I went to is at XXXX XXXX XXXX XXXX XXXX, CA XXXX, and the telephone number of the branch manager is XXXX ( name is XXXX ).
Product: Credit reporting or other personal consumer reports

I recently submitted a request for an investigation of the disputed accounts, Since I believed Credit Bureaus didnt properly investigate my dispute. Credit Bureau 's records show that it was incorrect. Since the CREDIT BUREAU 's investigation was done improperly, 3 Credit Bureaus must update the following accounts from my file. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

A loan was taken out through XXXX XXXX fraudulently. I reported to XXXX XXXX immediately after receiving a letter saying my account was approved and my address was changed and to call if it wasn't me. Which I did. I explained I had not applied for or requested.The XXXX and experian accounts said they investigated and found the information accurate and updated. I have not taken out this loan this was identity theft using my information having goods sent to another address.I haven frozen all the crediting agencies and reported this as fraud to them and the fct and I would like this investigated.
Product: Credit reporting, credit repair services, or other personal consumer reports

My right have been violated. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 section 604 A section 2 : It also states a consumer reporting agency furnish a account without my written instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose
Product: Credit reporting, credit repair services, or other personal consumer reports

I am unable to buy a house with a lender because of the delinquent reports on my credit report being reported by capital one. I have paid Off the account with the lender who has reported my account to credit bureau that my account is delinquent. I have asked the lender Capital one auto finance to please take my account altogether off the credit bureaus so the delinquent past due payments no longer showing. They refuse to do so. I have paid them off in full. This seems unfair. Now Im stuck in a dilemma where I cant get finance for a house for me and my sons to have a decent place to live. Rent is all time HIGH and it would be a better financial situation if I was to buy a home. I would like this done so Im able to buy a home for me and my sons.
Product: Vehicle loan or lease

I dont have the exact date, but the car was sold on XXXX credit reports it states that I owe {$18000.00} on a different credit report. It states that I owe {$2800.00}.
Product: Credit reporting, credit repair services, or other personal consumer reports

On XX/XX/2020 I notified National Credit Systems and paid off a debt of {$980.00}. I was assured by National Credit Systems that they would in fact reach out to the CRA to have this negative collections removed from my credit report. As of XX/XX/2020 this is still reporting on my XXXX  credit report.
Product: Bank account or service

To Whom It May Concern : I opened a Citigold account with Citibank in XXXX XXXX after receiving offer code XXXX in the mail for XXXX Thank You Points to be awarded after making two bill payments in two consecutive months. I was notified on XXXX/XXXX/XXXX that I was qualified and enrolled in the offer ( correspondence attached ). I contacted Citibank on XXXX/XXXX/XXXX, several months after meeting the requirements, because I had not yet received my Thank You Points. The customer service representative quoted another promotion, XXXX, for XXXX Thank You Points ( correspondence attached ). An inquiry was opened to determine whether I qualified for either promotion. I followed up again on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX and was told the investigation was ongoing ( correspondence attached ). Finally, on XXXX/XXXX/XXXX I contacted Citi for a final time and was told that a letter was sent electronically on XXXX/XXXX/XXXX that I did not qualify for the offer. I did not receive a copy of this, despite checking online per the customer service representative ( correspondence attached ). A notification was never received by me. 

I want to thank the CFPB for representing customers in this unfortunate situation. Citibank has been incredibly disappointing, and I do not intend to continue doing business with them unless this can be resolved.
Product: Credit reporting or other personal consumer reports

XXXX XXXX XXXX  is reporting Inaccurate last payment dates. XXXX is reporting my last payment date as XXXX XXXX. Transunion has no last payment date at all. XXXX has no last payment date. Without identical identifying dates of my last payment made, there is no way to correctly determine the fall off date. This is a violation and prohibited by law.
Product: Credit reporting, credit repair services, or other personal consumer reports

The following companies have been on my credit report over 4 years. By the Pennsylvania XXXX laws on this it is illegal to try to start the statues over, such as XXXX is trying to do now, see attached. And it is illegal to pursue collection actions when it is over 4 years for credit cards, medical or any collection, see attached. I have written to each of these companies in the last 30-60 days asking to show me a contract between myself and them and Ive recieved nothing from any of them. Please remove these items from my credit report, on all three XXXX, XXXX, XXXX  as they are the ones whom are allowing these bogus companies to just do anything, report anything they want. None of the three reporting agencies has proved any contracts to me as I have written to all three to prove these debts. All they keep saying is its verified, but wont say how??? Its updated, all empty spaces and nothing is proven to me not a contract, nothing!!! Why is this allowed?? By law if its wrong it must be removed. If its out of date must be removed. So please remove immediately!!! Thank you
Product: Credit reporting or other personal consumer reports

I submitted a dispute to Experian on XX/XX/year>, and XX/XX/year>, regarding inaccurate information on my credit report. Despite the Fair Credit Reporting Act ( FCRA ) requiring Experian to investigate and respond within XXXX days, I have not received any resolution or response. Additionally, Experian failed to send me a copy of my updated consumer report reflecting the results of the investigation or dispute. On XX/XX/year>, I submitted my dispute to Experian via XXXX certified delivery, providing detailed information and supporting documentation. Experian confirmed receipt of the dispute on XX/XX/year>. However, as of today, I have not received any resolution or follow-up communication. I also sent follow-up requests on XX/XX/year>, but Experian has failed to respond.
Product: Credit reporting, credit repair services, or other personal consumer reports

I've been a victim of identity theft and I'm suffering punitive damages. I've mailed you multiple letters to the bureaus and companies and this hasn't been resolved. These accounts are all fraudulent and need to be removed. XXXX Card- {$25000.00} XXXX XXXX XXXX XXXX {$10000.00}, XXXX XXXX XXXX XXXX {$26000.00}, XXXX OF XXXX {$13000.00}. 

Fact, The truth and XXXX XXXX is intended to inform consumers about the cost of credit. The companies above violated my rights by informing consumers that I allegedly owe an account with amount on it to XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Exhibit A Credit Report showing all XXXX violations. 

Fact, The truth in Lending Act is intended to protect consumers against abuse and deceit by XXXX, and I have been abused and deceived. So be it. The companies listed above is falsely publicizing an account addressed to me on XXXX, Equifax XXXX XXXX with no Original Contact which includes My Wet Signature. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

Fact, 15 U.S.C. 1681 section A, States I have the right to privacy. The companies above has published my information publicly on Equifax, XXXX & XXXX including an allegation account on each. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 


Fact, 15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. The companies above has published an account they have of mine on XXXX, Equifax XXXX XXXX. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations. 

XXXX, XXXX is aware and has proof in attachment labeled as exhibit A and the companies above. So their violation. Like some of the laws that are already common law is in violation of 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer should not stay set that such consumer owes any debt. The companies above has published an account they have of mine on the companies above. Each violation is a {$1000.00} fine. Included in Exhibit A Credit Report showing all XXXX violations.
Product: Student loan

Navient is not being truthful & is falsifying information. This is causing great financial hardship on my family. I have requested and documented my efforts on numerous occasions the accuracy of my account with Navient, due to the outstanding high balance. With information breaches, identity theft, class action suits and found violations Navient knows the importance of doing a proper investigation. So far Navient is ignoring my requests, I have not received sufficient contractual signed agreements for all the student loans I am being held responsible for & I do not believe I am responsible nor agreed to the amount Navient is stating I owe. Navient has not been able to provide me signed documents showing I agreed to the loan amounts they are holding me responsible for. Instead Navient provided a couple promissory notes some in which are incomplete & do not match the balance I am being held responsible for. Each promissory note Navient provided indicates on the top of each application that it is valid through XX/XX/2002. In addition Navient claims I signed a promissory note for loans consolidated with Direct Loans, which is false. A previous student loan account was turned over to Direct Loans involuntarily because my original servicer no longer services student loans. And now these are with Navient. In addition the promissory note provided from Direct Loans does not include any loan amounts, which is very questionable. How can I agree to something without the specifics being explained, this is a violation of Truth in Lending? This is very disheartening that I have literally been disputing the loan amount for years. After many failed attempts to be gather this information I am hoping the CFPB can assist. What has been provided has not added up to the amount I agreed to paying & do not feel it is okay for Navient to provide a so called signed promissory note that does not provide that a agree to any said amount. Please do not simply provide a breakdown of what they are stating I owe. I want to see where I agreed to whatever said amount. I intend to pursue my rights to the fullest including litigation if this is not resolved quickly.