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

I am writing to file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have occurred despite having significant funds when transactions were occurred I was charged fees due to lagging posting of charges and credits the issue aligns with the recent CFPB findings against Navy federal for similar practices where transactions settled with insufficient balances disputes initially available funds I believe that practices are unfair and request an investigation into my account transactions
Product: Credit reporting

I opened an account with XXXX XXXX XXXX shortly after my XXXX birthday in 2012. A check was given to me and was deposited into my checking account. Days later I realized that my account was overdrawn due to the check being returned. I immediately paid the fee and covered the deposit with my account. A week later I received a letter from XXXX XXXX XXXX informing me that my account was being closed due to fraud. I never committed an act of fraud. XXXX XXXX XXXX has reported me to credit and consumer bureaus for fraud. This has resulted in adverse harmfull action against me from the financial world. I CAN NOT open a account with any financial institution. I have tried to resolve the issue with XXXX XXXX XXXX for the past 3 years unsuccessfully. I attempted to resolve the issue with XXXX and XXXX systems directly but they report that XXXX XXXX XXXX is standing by the fraud claim with no evidence to substantiate the claim.
Product: Debt collection

I recieved a letter claiming they were trying to identify if I was a certain XXXX XXXX for a debt. I sent the letter back with my reply of no, not who you are looking for and a stop contacting instructions. They then started a phone calling campaign, I again instructed them not to call me period, they keep claiming until they can verify if I'm the right person they will continue to call. Keep calling trying to get me to give them my personnel information.
Product: Checking or savings account

I entered my account and there was a transfer from XXXX for the amount of XXXX XXXX dollars of which I did not authorize and the bank never sent me the confirmation to do it and when I realized it had been made 3 days ago to a person named XXXX XXXX XXXX {$2000.00} XXXX referen number : XXXX
Product: Credit reporting or other personal consumer reports

I am writing to formally request the blocking and deletion of the accounts and inquiries listed below from my credit report. As a victim of a data breach, I invoke my rights under 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), which mandate the removal of fraudulent or unauthorized items from a consumer 's credit file. 
Affected Accounts : XXXX XXXX  XXXX - XXXX - XX/XX/XXXX - {$0.00} XXXX XXXX  - XXXX - XX/XX/XXXX - {$0.00} Inquiries : XXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX XXXX  - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have 2 accounts that were purchased by a collection company and they, opened the REAged the debt. The collection agency has re-ors date of first delinquency. Experian has not removed off my credit report even after I disputed. 
1 ) XXXX XXXX XXXX  Account Number XXXX Reported I Opened XX/XX/XXXX INCORRECT DATE I opened in XXXX. Collection amt {$450.00} also this co. 
2 ). XXXX XXXX, XXXX Acct XXXX reported I opened XX/XX/XXXX NOT TRUE. XXXX WAS opened in XXXX. 
Please have them remove this. These accounts were NEVER OPENED IN XXXX
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against XXXX XXXX XXXX XXXX ( XXXX ) concerning their improper handling of negotiable instruments I provided and the subsequent inaccurate reporting to credit agencies. 

As an informed consumer, I understand the obligations financial institutions have under the Uniform Commercial Code ( UCC ), particularly regarding the processing of negotiable instruments. According to UCC 3-104, a negotiable instrument is defined as an unconditional promise or order to pay a fixed amount of money, payable to bearer or to order at the time it is issued or first comes into possession of a holder, and payable on demand or at a definite time. 

In accordance with these provisions, I submitted certified negotiable instruments to XXXX as payments. However, XXXX failed to process these instruments appropriately. Some were ignored without justification, and others were neither processed nor returned to me. This negligence has led to unauthorized transfers of my securities to third-party agencies without my consent. 

Furthermore, XXXX closed my account without proper notice and reported inaccurate information to credit reporting agencies, adversely affecting my credit standing. 

I request the Consumer Financial Protection Bureau to investigate XXXX  actions concerning : 1. The mishandling and non-return of negotiable instruments I provided.

2. Unauthorized transfer of my securities to third parties.

3. The closure of my account without due process.

4. The dissemination of false information to credit reporting agencies. 

I seek remediation for the financial and reputational harm caused by XXXX  actions and assurance that such practices are rectified to prevent future occurrences.
Product: Mortgage

Our home mortgage was sold to XXXX. They hired Seterus Inc. to service the loan. This year, Seterus began demanding money in excess of the required monthly payment under the loan documents. They threaten to foreclose if the extra amount is not paid, but we have not paid it. When I asked for an explanation they simply remained silent. I am an attorney. I believe they are demanding excess funds not authorized by the mortgage. They do nothing when we refuse to pay. This has been going on for about five months. The amounts they are demanding make no sense. They are different every month. I checked on the Internet, and they seem to be doing this to many other people. I believe it is a scheme to defraud people out of money they do not owe. There is other misconduct Seterus is committing. If you run a search on the Internet for Seterus Inc., these consumer complaints show up. I am certain I have not heard all of them yet. I can not believe this misconduct is occurring. I feel sure that the owner of the loan does not know about this.
Product: Credit reporting, credit repair services, or other personal consumer reports

During A Check of My XXXX  Credit Report On XXXX I Discovered Information On My Report That Is Fraudulent, Incorrect, and/or Erroneous. XXXX  Report Number : XXXX, Equifax Credit Report, And XXXX  Credit Reports Dated XXXX Show That I have A Debt with XXXX XXXX XXXX AKA XXXX   AKAXXXX XXXX XXXX. I have never had any account with this company or any of its Listed Affiliates. I have tried unsuccessfully to resolve this Fraudulent, incorrect, misleading, and damaging information from my Credit report. I am trying to avoid having to file Legal action against the Companies and reporters of the Fraudulent, and/or Erroneous Information, for causing damage to my report and reputation.
Product: Credit reporting or other personal consumer reports

I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Police Report/FTC identity theft report ( FTC REPORT NUMBERXXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : US DEPT ED XXXX US DEPT ED XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, thank you
Product: Credit reporting, credit repair services, or other personal consumer reports

I AM A NATURAL PERSON & CONSUMER FILING THIS COMPLAINT. 
DO NOT CLOSE THIS COMPLAINT STATING THIS IS NOT ME! 

The tradeline being reported has a derogatory rating which has caused me serious financial and emotional distress. This has caused defamation to my creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics. 

In order to rectify this situation and ensure my rights have not been violated in any way, I have sent multiple letters and complaints challenging the completeness, accuracy and integrity of the information XXXX is furnishing. 

LIST OF INACCURACIES FOUND ON XXXX XXXX CREDIT REPORT : ACCOUNT # ACCOUNT TYPE ACCOUNT STATUS DATE OPENED HIGH CREDIT CREDIT LIMIT LAST REPORTED DATE LAST ACTIVE DATE OF LAST PAYMENT PAYMENT HISTORY XXXX was required to notify me later than 5 days before furnishing the negative information to the consumer reporting agencies, in writing that such furnishing of information was going to take place. This notification is required under the FCRA, section 623, subsection ( 7 ) ( A ). However, I never received documentation that XXXX complied with this requirement.
Product: Debt collection

This formal complaint concerning and XXXX their business practices.ERC is reporting a debt is not mine This bureau continue to report inaccurate information. 

In the years from XXXX my identity was stolen. I discovered this because an auto loan was opened and several inquiries, where someone has continued to apply for credit in my name.
Product: Credit reporting

I was issued cards in error the company Capital One in this instance did n't have proper protocols in place and issued more offers and cards to me then allowed. They then tried to guide there error in the name of fraud when in fact it was a computer error. My issue was and is that I closed down my other consumer accounts and have no recourse because of Capital Ones errors. So they have no mechanism in place to rectify my situation and may close down my accounts.
Product: Credit reporting, credit repair services, or other personal consumer reports

The original complaint was done on XX/XX/2018. Complaint number XXXX. All of the account and the majority of the inquires from the identity theft, have been removed. The only item is the old inquires, that I have requested to me moved months ago and to this date. All of the inquires haven't been removed. 

They are as follows : XXXX XXXX ( inquires ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have been trying to purchase a home for month now and still am unable to do so, so to these inquires showing on my credit report and they have hurt my credit score, by lowering the scores. I have asked time and time again and it is beginning to feel as if, they know what is required of them. But, refuse to follow through completely. They are doing just enough to say they addressed the matter, after their investigation was completed and found the complaint valid. But, not enough to completely clear the matter and leave me in a state of limbo.
Product: Debt collection

I asked them to no longer contact me at work on XX/XX/2016. Continued to receive call from them at work as of XX/XX/2016. I also asked them to provide written proof of debt, and they have failed to do so.
Product: Debt collection

I was reviewing McCarthy, Burgess & Wolff 's ( XXXX & XXXX '' ) unsatisfactory answers to my prior complaints and I need to point out something else extremely alarming in addition to their attempts to facilitate extortion against me for {$1800.00} under absurd pretenses. Due to a formal complaint filed with my State 's Attorney General, I saw that XXXX claimed that the amount owed is from XXXX. XXXX & XXXX claims they are attempting collection on behalf of XXXX XXXX -- XXXX totally separate subsidiaries/entities! This means that XXXX & XXXX does not even know who they are actually trying to collect false debt on behalf of! All the more reason why XXXX & XXXX should send me a debt validation letter.
Product: Credit reporting or other personal consumer reports

I am writing to file a formal complaint against Equifax concerning their failure to investigate and respond to multiple dispute letters I sent regarding inaccuracies on my credit report. On the dates of XX/XX/2023, XX/XX/2023, and XX/XX/2023, I mailed dispute letters to Equifax, specifically requesting an investigation into incorrect items listed on my credit report. These disputes were aimed at addressing inaccuracies in both credit account information and personal details. Despite multiple requests for Equifax to conduct a thorough investigation, I have not received any response or acknowledgment of my concerns. I have diligently followed the established procedure for disputing inaccuracies on my credit report, as outlined by the Fair Credit Reporting Act ( FCRA ). However, Equifax 's failure to respond to my requests and conduct an investigation is in direct violation of my rights as a consumer under the FCRA. The lack of response and action from Equifax has caused significant frustration and concern on my part. I am deeply troubled by the apparent disregard for my requests and the persistence of inaccurate information on my credit report, which can have serious implications for my financial well-being. I kindly request that the Consumer Financial Protection Bureau investigate this matter thoroughly and take appropriate action to ensure Equifax 's compliance with the FCRA. 

According to the FCRA, if the completeness or accuracy of any item of information in a consumer 's file at a credit bureau is disputed by the consumer, the bureau must conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. 

It appears that Equifax has violated my consumer rights by not conducting a reasonable investigation upon receipt of my dispute, which they are required to do in accordance with the Fair Credit Reporting Act. 

I am including a copy of my dispute letters sent to Equifax as proof. 

Additionally, I urge Equifax to permanently delete the disputed negative items on my credit report and all the inaccurate personal information and provide me with the results following the law.
Product: Mortgage

On XXXX XXXX, 2016, we accepted a contract on our house from a buyer who is a client of Neighborhood Assistance Corporation of America ( NACA ), with a closing date of XXXX XXXX, 2016. 

We were provided a nice letter from NACA ( attached ) stating that the buyer had been working with NACA, " and are qualified for the NACA Mortgage to purchase ... '' our property. 
After repeated requests for an update, on XXXX XXXX, NACA Mortgage Consultant XXXX XXXX notified our attorney and our realtor : " Lender is conducting their final review. Will provide an update as soon as it is available. '' Our attorney then made repeated attempts to get an update from XXXX XXXX, but there was no reply. 
On XXXX XXXX 2016, the day before our movers were scheduled to pack up our home, we were notified that : " The lender has not issued a clear to close on this file. The file has exceeded the typical review time and has been escalated to get a response as soon as possible. As soon as I have an update I will communicate progress. We will not be able to close on the XXXX at this point. So we will need an extension. '' A two day extension was requested and granted. 

On XXXX XXXX, 2016 the our movers completed loading and our family and possessions headed from XXXX to XXXX. 

On XXXX XXXX, 2016, our attorney then made repeated attempts to get an update from XXXX XXXX and schedule the closing, but there was no reply. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. As we were still in our contingency window for the home we had under contract in XXXX, we agreed to the extension. 

On XXXX XXXX, 2016 our attorney started making attempts to contact NACA to get an update. NACA made no effort to respond. 

On XXXX XXXX, 2016 we were notified : that they buyer 's attorney requested that the mortgage contingency and closing date be extended to XXXX XXXX, 2016. Seeing as we had no recourse, except for canceling the sale, we agreed to the extension. We were able to secure an extension for the house we have under contract in XXXX. 

Monday, XXXX XXXX, 2016, once again there has been no communication from NACA, no closing was schedule and we are now a day or two away from having to terminate the contact on the home in XXXX. Additionally we are facing significant unanticipated expenses as a result of NACA lack of communication and follow through.
Product: Debt collection

To Midland : here are the information requested. 
1. Original account number 2. Original name of creditor 3. Date account was opened 4. Date of last payment 5. Amount of the original debt 6. Itemized statement showing full history of account 7. Proof of chain of title that you own the debt 8. Copy of contract with my signature guaranteeing I will pay this creditor
Product: Vehicle loan or lease

Vehicle Loan was issued via Ally. In attempt to make loan payment login required DOB/SS #. Not just last 4 but entire SS #? 
A call was place to address the concern, at which time I was advised my DOB had been wrongfully entered, was requested to send a copy of license, SS card, this was to be done via fax. Clearly, this was concerning, and I declined. Still not able to make a payment, as there my identifying information is inaccurate. Perhaps more concerning is the fact that over XXXX was issued with wrongful identity, and an unwillingness to update without sending guarded information via fax Spoke to XXXX individuals XXXX XXXX XXXX XXXX XXXX eastern time ( call recorded ) first being ID rep XXXX, second being a supervisor XXXX Expressed no concerns as to securing/identity issues, continued to request my SS card/Drivers License be sent. Denied Contact to Corporate, willing/unable to explain security procedures in place for customers. Last attempt was to call Ally fraud department, ( XXXX ) XXXX XXXX  Eastern, difficulty hearing this individual due to background noise, phone connection and language barrier. Asked the same questions as the prior reps, prompting me to ask if this was the fraud department? Apparently he is required to take concerns and determine if they are appropriate for fraud department, provided some information and was forwarded. No name, nasty, who wanted to yell that I was required to give the other specific information prior to reaching her. Beyond inappropriate let alone to be addressing people concerned with their personal information being compromised, asked for her name and she hung up. Terrible experience, continued concerns.
Product: Credit reporting or other personal consumer reports

I ( The Consumer ) recently checked my credit reports for transunion & XXXX and noticed that there was information listed on my report that is in violation of The Fair Credit Reporting Act : " 15 U.S. Code 1681c - Requirements relating to information contained in consumer reports Except as authorized under subsection ( b ), 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. Code 1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. 
15 U.S. Code 1681b - Permissible purposes of consumer reports Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

P.L 90-321 ( 82 Stat. 146 ) which is law that backes the code is even stricter as it states that any agency can only get your report in response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ) 15 USC 6802 : Obligations with respect to disclosures of personal information : ( 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.

I have attempted to reach out to both credit reporting agencies in regards to inquiries & improper information that are on my reports. To which they willfully did not comply with my requests. I hereby demand that Transunion XXXX XXXX provide me with the appropriate contract with my wet signature on it that gave them authorization to report anything referenced in the prospectus titled Credit letter Transunion XXXX XXXX XXXX XXXX included in this complaint.
Product: Credit reporting, credit repair services, or other personal consumer reports

I signed up for this " XXXX & XXXX XXXX ID SECURITY ALERT : FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST VERIFYING THE IDENTITY OF THE APPLICANT. I CAN BE REACHED AT XXXX. THIS SECURITY ALERT WILL BE MAINTAINED FOR 1 YEAR BEGINNING XXXX. '' Today I find out a credit card was added, and I was NEVER informed.
Product: Vehicle loan or lease

I XXXX XXXX participated in a consumer credit transaction and not a loan Pursuant to 15 U.S CODE 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which was never disclosed to me by your organization in direct violation of this law XXXX XXXX XXXX also accepted a CASH down payment of {$10000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction