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

I made a payment to navy federal credit union for my monthly credit card payment on XX/XX/XXXX the due date was XX/XX/XXXX By Tuesday XX/XX/XXXX it hadnt shown up as paid and there wasnt anything saying it was paid online. Because of late fees and businesses eagerness in reporting late payments to the credit bureau I went online and checked and was going to pay it if it wasnt paid, but decided not to so I didnt hit submit, I hit the done key and called navy federal. I was told they didnt see a payment and couldnt determine if it was paid. It was Tuesday and even if Monday is a holiday the payments and other activities are updated by all banks by then. Then on Wednesday XX/XX/XXXX. Two payments were taken from my checking account. This isnt the first time they have taken two payments by mistake and last time the refusal to pay fees associated with this. I filled a complaint with the cfpb and the asked for an extension and wrote back at the end of the extension with untruths. This time the raised my minimum due amount against the rules to cover the second payment which my bank got back from them. I called and was assured it would be changed to the correct minimum payment but it wasnt.
Product: Credit reporting, credit repair services, or other personal consumer reports

on XX/XX/XXXX and XXXX of XXXX, there appears to be XXXX fraudulent hard inquiries on my credit report. The following inquiries are fraudulent .... XXXX XXXX XXXX XXXXXXXX XXXX, and XXXX.
Product: Debt collection

I hope this letter finds you well. I am writing to formally dispute and request the removal of certain late payments that are currently being reported on my credit file. After reviewing my credit report, I have identified inaccuracies related to late payments, and I am confident that these entries are incorrect. 

I understand the importance of maintaining an accurate credit history, and I take my financial responsibilities seriously. However, I believe there may be an error in the reporting of the late payments on my account. I have thoroughly reviewed my financial records, and I have not identified any instances of late payments on the specified dates. 

XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX customer service XXXX XXXX XXXX XXXX XXXX XXXX This account was NEVER late. The late payment is erroneous. Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or XXXX XXXX XXXX XXXX XXXX customer service I kindly request a thorough investigation into this matter, and I ask that you remove the inaccurate late payment entries from my credit report. Having an accurate representation of my credit history is crucial for my financial well-being, and I believe the removal of these entries is warranted based on the supporting documentation provided.
Product: Checking or savings account

I sent via Zelle {$750.00} to fraud cat breeder website. 
This is their website https : XXXX They charged me and promise they will send me the cat I paid for. I lost communication with them. I asked for my full refund and never heard back from this person
Product: Checking or savings account

I've been receiving many emails from Capital One about opening new checking/banking accounts to my email, but the emails are addressed to other individual names ( multiple accounts, multiple different names ) including their new bank accounts. Then within a week or so of these emails starting, I receive a Capital One debit card in the mail at my home address with my name on it. I reported an alert thru my XXXX identity theft insurance who connected me to Capital One to explain what I was experiencing. When given my personal information they could see my info was used to open a number of accounts. I asked if the accounts were opened using multiple individuals information, and any question I asked regarding the new accounts the said they could not give me ANY information, even though it was my information used to open the accounts without me knowing. They assured me that the account in my name ( the card I received in the mail, the one I never received an email about opening ) will be closed and I would not be liable, but when asked about the other accounts I'm getting emails about attached to my information, they said they will flag them and look into it.
Product: Credit reporting or other personal consumer reports

I have not supplied proof under tXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.
Product: Credit reporting or other personal consumer reports

I have submitted multiple disputes regarding these accounts that do not belong to me and they are still reporting on my credit report. I have also submitted and multiple FTC Reports regarding the account that do not belong to me. 

Account name : XXXX Account Number : XXXX Account name : XXXX XXXX Number : XXXX Account name : XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name : XXXXXXXX XXXX XXXX Account XXXX XXXX XXXX Account name : XXXX XXXX XXXX Account Number : XXXX Account name : XXXX Account Number : XXXX Account name XXXX XXXX Account Number : 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 U.S.C. 1681. 

XXXX XXXX, Acct # XXXXXXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX XXXX Acct # XXXX XXXXXXXX XXXX  Original Creditor : XXXX XXXX, Acct # XXXX XXXX XXXXr, Acct # XXXX XXXX XXXX XXXX XXXX XXXX, Acct XXXX XXXX XXXX XXXX, Acct # XXXX XXXX XXXX Acct # XXXXXXXX XXXX XXXXXX/XX/202XXXX XXXX XXXX XX/XX/2021 Has violated my right to privacy. 

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 an 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, 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: Debt collection

Requested proper validation to be certified mailed showing proof of debt owed to the company. I never signed a HIPPA form authorizing access to any such medical records. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX Amount in dispute : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account # XXXX Amount in dispute : {$500.00}-
Product: Credit card or prepaid card

I got a credit from XXXX XXXX company to buy a ring for my wife. I was paying that since we moved an I missed three payments. They called me from Comenity Bank debt collection department and mentioned that I have something like {$9300.00} out standing balance. I was furious about the balance and I asked if we can settle the debt if I pay the balance in 4 equal payments and they accepted. They also sent me a letter that your balance will be settled if you pay the balance in 4 equal payments of something like {$2300.00} which I paid without any delay or problem and the last payment was made on XXXX 2022. In XX/XX/2022, I received calls about an outstanding balance of {$270.00} for interest and late fee. I talked in two or three times with them that the account was settled and I paid the entire balance based on the agreed upon settlement. The supervisor mentioned that, she could see a settlement on the account and assured me that she will reach out to the respective department to resolve the issue. she also mentioned that you will not receive any bill till the dispute is resolved. However, they started sending me bills with late payment and pilled it up to {$760.00}. I called them and explained again, supervisor and costumer service confirmed that there is an open dispute. However when I asked why they are still billing me and ruining my credit, costumer service put me on a hold and then hung up. That is how they make you frustrated to get their unfair fees and balances.
Product: Student loan

My personal and financial information was compromised without my authorization. 

The Family Education Rights and Privacy Act ( FERPA ) protects the confidentiality of student records. This breach is a clear violation of FERPA and your responsibility to safeguard my information.

Given the severity of this breach and the resulting compromise of my personal and financial information, I request that you immediately cancel and discharge my student loan debt in full.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am currently in the XXXX XXXX. While stationed abroad, my information was compromised. Because I was in another country, it was difficult sending dispute request via online. When I got back stateside, I submitted all my information letting them know that several accounts were the result of ID theft. They did not fix the errors. I hope that contacting your agency will finally help me.
Product: Credit reporting or other personal consumer reports

I have paid my bills on time each month for XXXX XXXX account and it is reporting as late. I also pay my XXXX XXXXXXXX credit card payment each month on time this is reporting late as well. The credit card companies are also reporting my XXXX XXXX account as not paid and this account was fraud. I work full time and pay everything on time. This information is completely inaccurate on my report. I have a XXXX credit score I can prove this. This incorrect reporting destroyed my credit.
Product: Vehicle loan or lease

I had a XXXX XXXX that was purchased and loan was carried from Wells Fargo. They had a class action lawsuit regarding the charges and repossession. I had received a payment of {$6400.00} but the harm it has caused to me personally and financially over the last XXXX  years is unrepairable. I feel the amount should have been substantially more due to the impact it had on my credit.
Product: Mortgage

Client is a non-borrowing spouse on a reverse mortgage. The XXXX spouse died on XXXX XXXX, XXXX. Upon husband 's death Financial Freedom contacted non-borrowing spouse and advised that in order for her to remain in the home, non-borrowing was to provide a tolling agreement and several other documents XXXX death certificate and marriage license XXXX to Financial Freedom. XXXX XXXX spouse sent the tolling agreement to Financial Freedom by XXXX, tracking number XXXX. This tracking number shows that the documents were received by Financial Freedom on XXXX XXXX, XXXX at XXXX. Moreover, on XXXX XXXX, XXXX non Borrowing emailed the required documents to XXXX XXXX at XXXXXXXXXXXX. On XXXX XXXX, XXXX XXXX XXXX confirmed that he had received the documents by sending a text message to Non-Borrowing Spouse. Non-Borrowing Spouse has since heard nothing from Financial Freedom or XXXX XXXX. On XXXX XXXX, XXXX we called Financial Freedom and were told that none of the documents submitted by XXXX XXXX Spouse have been received and that it XXXX take " a while '' for the documents to be uploaded to their system. Financial Freedom sees to disregard the time element of due and payable due to the death of the borrowing spouse and ignores the fact that the non-borrowing spouse has XXXX says to submit her documents to Financial Freedom as required by HUD. Financial Freedom 's delay is causing harm to the Non Borrowing Spouse and is prejudicial to her ability to remain in her homestead.
Product: Credit reporting or other personal consumer reports

I have previously disputed this fraudulent account last year and this account was removed from my credit report. I have even sent a notarized signed affidavit and an FTC report to the company directly and also to your company and now this fraudulent account has been sold or whatever to another company and has been put back on my credit report. 

Accounts Information XXXX Account # : XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX : {$170.00}, {$170.00} XXXX XXXX XXXX, : {$3000.00}, {$3000.00} XXXX XXXX : {$1000.00} XXXX XXXX  : {$600.00} XXXX XXXX XXXX : {$650.00} XXXX XXXXXXXX XXXX : {$830.00} Portfolio Recovery Associate : {$1900.00} XXXXXXXX XXXX XXXX {$890.00} These are third party collection agencies that I do not owe anything to. I've never signed nor had any contract with these companies. These companies need to provide a signed contract between myself and them. These collections need to be removed immediately. I have contacted the debtors by mail and online to disputed these inaccuracies and have them deleted. The Tila law and the USC code by reporting inaccurate information on my credit report without contacting me first.
Product: Credit reporting or other personal consumer reports

In 2021, I purchased a vehicle financed through XXXX XXXX XXXX XXXX  ( XXXX ). When the company transferred my account to XXXX XXXX XXXX, I was incorrectly informed that I was behind on payments, even though I had made all required payments on time. Despite providing proof of payment, my vehicle was repossessed without justification. I was then told I needed to pay {$2000.00} to recover my car, which was eventually sold without my consent or proper resolution of the dispute. 

Additionally, I believe I may have been impacted by the issues highlighted in the CFPB lawsuit against XXXX, including being double-charged for collateral-protection insurance and having payments misapplied to late fees or insurance instead of accrued interest. These practices inflated my balance and contributed to my vehicle being wrongfully repossessed. 

This incident has caused severe harm to my financial stability and credit. I am now unable to purchase a vehicle, secure housing, or obtain stable employment. I am requesting the removal of negative credit reporting related to this matter and a full investigation into the wrongful repossession and potential overcharges or misapplication of payments.
Product: Money transfer, virtual currency, or money service

I am filing a complaint against Cash app block inc. due to inadequate customer service and unfair practices. which violate the consumer financial protection act. Specifically cash app failed to take timely and effective measures to prevent address fraud on their platform, leaving my account vulnerable and unprotected. Furthermore, that dispute resolution was unfair and deceptive as they did not comply with error Resolution requirements under the electronic fund transfer act and regulation E. these actions have caught significant inconvenience and financial loss and I seek appropriate redress for these violations.
Product: Credit reporting or other personal consumer reports

A month ago, I sent the XXXX credit bureaus a letter asking them to correct this questionable information, but nothing has changed. I shall take legal action against you because I believe you have not authenticated these things in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). This was mentioned in my previous COMPLAINT #, and I included it again. Kindly correct the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I have sent all 3 credit bureaus, the proper paper work on the this bankruptcy, I have asked them to give me something in writing stating how they got this information, all I want them to due is verify how they got this information in order to put it on my report. I have typed proof, that the United States Bankruptcy court didn't report this to any of them, also I have a typed report from XXXX also stating that they don't report. and also XXXX XXXX stating that they didn't report. So please explain to me in writing how you all got this information, to put on my report.
Product: Credit reporting or other personal consumer reports

Again, I was a victim of identity theft and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after the receipt. Also, the information provided on some items are UNKNOWN to me and REMOVED from other bureaus and I have doubts about their accuracy. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Student loan

I have been making monthly payments for years to XXXX XXXX and then Navient and have been surprised at how slowly the balance is decreasing. I requested a statement that includes all payments applied with a running balance since the start of repayment and can not get an answer from Navient. I pulled a statement from the website which only goes back ten years which is in correct however when I add my payments in this statement the total is {$22000.00} paid on a disbursement amount of {$24000.00} ( balance transferred from XXXX I believe not an actual disbursement ). The website states I owe $ 12k+. I ca n't gauge the accuracy of how my payments have been applied including payments on principal. Also why does Navient not publish complete accurate information so borrowers can assess how and if it is interest prolonging terms and high balances. According to the website my loan will be paid off in ten years. But technically looks to me I owe $ XXXX.
Product: Debt collection

I am submitting this complaint because I am being extremely affected by Credit CONVERGENT OUTSOURCING, INC.. They are being completely unfair and I dont know how to get ahold on them but through this portal. 

I want to express that I have suffered a big impact in my credit score and I have lived one of the worst periods of my life with all this situation. 

This company has been reporting wrong information, re-aging the account, they have failed to mark account as disputed and unfair business practices. 

Account number : XXXX Date Opened : XX/XX/17 Hight Credit Limit : {$190.00} Balance : {$0.00} My dispute is based on many damages and all the violations that they have committed. 
I want the item removed from my records asap.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed a dispute over 30 days ago and have not heard nothing
Product: Payday loan

I asked XXXX in XXXX XXXX KS. for a payday loan of {$100.00} they sent me {$400.00} then took out {$300.00} and charged me {$10.00} for taking it out. Then my bank got overcharges i had not the money to pay so i said i would take the other {$300.00} and they put in {$400.00}, and then {$530.00} and now i am told i owe {$900.00}. I sent an email stating i can not pay that. And now they want to offer me another loan to get out of this loan. I am so confused and i do not know what to do. It is to my savings account which i want to close but can not because i am being overdraft {$26.00} that i do n't even have because they keep sending it through. What are my options please help me?
Product: Credit reporting, credit repair services, or other personal consumer reports

N accordance with the fair credit reporting act XXXX  account numbers : 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  Has violated my rights.

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

15 U.S.D 1681 section 604 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

It has been drawn out that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law. 
XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX Date Opened : {$900.00} XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX Balance Owed : {$240.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX Balance Owed : {$930.00} XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX
Product: Debt collection

This collection is being to the bureaus that I do not have knowledge or aware of. This is clearly fraudulent. Listed below are the details of this collection account. 

Security Credit Services LLC XXXX # : XXXX Opened : XX/XX//2020 Balance : {$1400.00} Tried to dispute this account multiple times but the company did not take action on the dispute I filed. I am attaching my FTC Affidavit to back up my claims.
Product: Credit card or prepaid card

Without my consent and without notification, my Kohl 's charge card was changed from paper billing to electronic statements. According to Kohl 's, electronic statements are not automatically sent to an email address. The consumer is supposed to know to log on to his/her account and look up the due dates, amount due and date due and then make the payment. As I use this card infrequently and for relatively low amounts, I was unaware of this situation. Now to my problem. My wife or I made a charge towards the end of XX/XX/XXXX. During that time, my mother came down with XXXX. I had to travel with her for several weeks to seek medical treatment. Unfortunately, she XXXX XXXX due to XXXX just after XXXX on XX/XX/XXXX. My wife and I had just returned from the hospital two hours from our house. Someone from the Kohl 's credit department called about the bill which, based on us being switched from paper to electronic billing without my consent, was news to us. My wife told the person from Kohl 's that we would pay it but that now was not a good time given that my mother had literally passed away hours before. I paid the bill the following day but Kohl 's submitted a late payment notice to my credit report in the 24 hours between when they called and when I paid the bill. I thought it must have been a mistake as my wife had explained the situation so she called back and tried to get the report removed from our credit report. In XX/XX/XXXX, I received a letter from Kohls Customer Service and Operations Center dated XX/XX/XXXX stating that they stood by their previous report to the credit bureaus. They have ruined my credit ( I was in the 800s before with zero issues and am not in the low 700s. ) I can not believe Kohl 's is that callous given my clean credit history with them since I have had their card. My account number is XXXX. My name is XXXX XXXX and I can be reached at XXXX.