23daVinci/CFPB_Complaints huggingface dataset:
Product: Mortgage

I submitted my application with the lender and was working with XXXX XXXX XXXX NMLS XXXX ( Authorized to represent loanDepot.com, LLC ( XXXX ) ). My financials, income, credit, etc. are top tier and would not have any issue getting approved. Concurrently, I was working with another lender and provided a XXXX with a Locked LE for him to review and " beat '' on XX/XX/2020 XXXX XXXX. Up until XX/XX/2020, we had emails and phone calls back and forth with XXXX claiming that he was going to beat the rate. Now, out of the blue and without any follow up or response form the Licensed MLO, my loan application was Denied due to Incomplete Application. This is a 100 % lie and inaccurate as the license MLO never asked for any additional documents or any information prior to the Loan Denial. I do not appreciate the lenders lack of a response and then denying my application and using the incorrect HMDA adverse action.
Product: Debt collection

XX/XX/XXXX XXXX XXXX XXXX has apparently sold my " debt '' of {$640.00} ( we have never been billed for this amount by XXXX XXXX XXXX! ) to 2 ( as of this date ) collection agencies, Sunrise Credit Services and XXXX XXXX, with the account # XXXX which is not even an account of ours. They state it was for my wife 's cell phone ( which was already out of contract with XXXX XXXX XXXX ; their representative at our local store said we could n't return a used phone out of contract and even gave her several suggestions on websites to sell it herself ). They call daily while I am at work, as well as late into the evening ( XXXX  CDT being the most recent ). They have been told it was n't a valid debt and to stop calling, to no avail. I sent Cease & Desist Letters to both collection agencies today with backup showing I paid my account off to XXXX XXXX XXXX, with an agreed amount for ALL accounts to be XXXX out, and the check was cashed by XXXX XXXX XXXX, thus agreeing to our arrangement. I have attached copies of my pay agreement with XXXX, copy of the check and letters sent to the collection agencies. I am complaining against XXXX XXXX XXXX XXXX, as well as Sunrise Credit Svcs and XXXX XXXX.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. This complaint is a formal notice that you have failed to resolve my dispute or contact me within 30 days of receiving my previous letter. One of the rights under the Fair Credit Reporting Act states a Credit reporting agency MUST update or delete inaccurate information. You have had thirty days to investigate this claim. Under the FCRA my dispute MUST be resolved in thirty days. 

XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XX/XX/2018 Balance $ 0-Late/Closed Late Dates XXXX
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I mailed out a credit dispute asking that XXXX and Experian verify accounts that are reflecting on my credit report and confirm that every piece of information is reporting accurately. I mailed out a XXXX  day follow up dispute on XX/XX/2023, it is now XX/XX/2023 and Both Experian and XXXX have failed to respond within XXXX  days
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting act XXXX Accounts, has violated my rights. 

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 DEPT OF ED / XXXX A ccount # XXXX Amounts : $ XXXX $ XXXX $ XXXX : {$4000.00} Hard Inquiry : XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX Amount XXXX {$7200.00} US DEPARTMENT OF EDU/ Account # XXXX Amount : XXXX XXXX XXXX  Account XXXX XXXXAmount XXXX {$11000.00} /Charged Off XXXX XXXX XXXX  XXXX Account XXXX XXXX : {$6000.00} XXXX XXXX XXXX Amount : {$7600.00} Account XXXX XXXX XXXX XXXX XXXX  Amount $ XXXX Account XXXX XXXX Closed XXXX Account # XXXX XXXX XXXX Charged off : Account XXXX XXXX DPT ED/XXXX-Closed -Account # XXXX
Product: Credit reporting or other personal consumer reports

My account with XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX was never late! I have had exceptional payment history witH capital XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported in to be removed. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX AND XXXX never sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Delete the late payments from my consumer reports
Product: Student loan

I qualified for a program through the state of Pennsylvania ( PHEAA ) for a payment in the amount of {$6000.00} to my student loan account with EdFinancial on my behalf. The payment was made in XXXX of this year and has still not been applied to my account. EdFinancial has confirmed they received this payment, however they have not given me a date in which it will be applied to my account. This is unacceptable for them to hold a payment for almost four months without posting it. I have contacted them multiple times about this but have received no resolution.
Product: Checking or savings account

I am writing to file a complaint against Navy Federal Credit Union regrading multiple overdraft fees I have incurred. Despite having sufficient funds when transactions were authorized, I was charged fees due to lagged posting of charges and credits. This issue aligns with the recent CFPB findings against Navy Federal for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe the practices are unfair and request an investigation into my account transactions.
Product: Credit reporting, credit repair services, or other personal consumer reports

In  XXXX   2017, I sent a request to each  XXXX ,   XXXX   and Trans Union regarding removal of the extended fraud alert on my credit profile. With this request was a copy of my government issued identification for identity verif ication.     The CRA responses to my request to REMOVE the fraud alerts on my account are as follows :   XXXX   : Responded by ADDING an initial fraud alert  Trans Union : R esponded by ADDING an initial fraud alert  XXXX  : Has failed to make any response to the request.
Product: Credit reporting, credit repair services, or other personal consumer reports

I filed disputes with the 3 major credit bureaus XXXX, XXXX and Equifax. On multiple phone calls and online request Ive disputed in accurate bankruptcy on my credit report. Each time Ive disputed I was told that XXXX XXXX reported this information and it was indeed factual. I contact XXXX XXXX that reinvestigated the information and they also let me know that the 3 credit bureaus failed to submit and investigation in this matter Ive been informed by XXXX XXXX that they have reinvestigated this matter and had removed the information from my record and Ive provided documentation
Product: Debt collection

National Credit Adjusters LLC representing XXXX XXXX has repetitively sent correspondence demanding payment for an unknown debts. When I requested by law that they send me identifying documents to show that I owe this debt such am ID, Social Security Number, and/or contract bearing my signature, they have not done so. Their claim is Hearsay according to law. In the midst of this, they are ruining my quality of life because they have put this item on my credit : XX/XX/2017 amt {$790.00}
Product: Checking or savings account

We have been hearing rumors that Capital One is closing in our area. Since we are very unhappy with the level of customer service they provide, we have recently opened an account with a local bank ; however, this takes time due to direct deposits and drafts. My Social Security check is issued the third Wednesday of the month ( today ). I call the bank on on the morning of the deposit to make sure it is record it accurately. This morning I called the automated system and was electronically told I can not access my account information. Can they do that? Withhold that information from me? What about my money? I need to pay my bills today and I have been on hold for half an hour trying to speak to someone. I called FDIC and they said to contact you. Please help me. This situation is stressful enough for old people without Capital One trying to steal our money. Thank you.
Product: Credit card or prepaid card

I opened an account at XXXX XXXX to receive a small discount when purchasing a new laptop. This store is in XXXX, Ohio close to my home there. The total amount of the purchase was {$600.00}. The store application for the credit card of the store would not accept my telephone number that I use in XXXX, I listed my XXXX telephone number which does not work in XXXX. I live part time in XXXX and only return to the states every 6 months. 
I received the laptop and returned with it back to XXXX XXXX, XXXX on XX/XX/2021. In XXXX my daughter sent me a copy of the statement from XXXX. I tried to set-up an account but you must use the XXXX telephone number ( which I can't here in XXXX XXXX I have called and requested that they send me a invoice via my XXXX but they refuse to do that? They also refuse to call my phone here in XXXX? So I called Wells Fargo and paid the full amount of {$600.00} with my checking bank account at chase. I requested that they close the account since they won't send me anything through my email account? I was given a confirmation number ( XXXX ) on XX/XX/2021 from XXXX # XXXX person I called. 

On XX/XX/XXXX I received an email saying to contact them about my account? You can't reply to that email? They request that I call? I tried to call ( which is another international call charge ) and they put me on hold for over 30 mins? Very frustrating! 

On XX/XX/XXXX, today I again called and asked why my payment did not go through and was told that the agent used a account number that was not correct? I asked for a way for me to pay this now and was told that I must again give them my checking account number or a debit card? ( My checking account is a debit card ) I told them I would pay the original {$600.00} now ... but they would not give me a way to do it using my XXXX XXXX or other credit card?? I requested to speak with a supervisor and was put on hold again? After 30 mins no one came back to my call! I hung up. 

I'm writing for you to hopefully intervene on my behalf to correct Wells Fargo 's poor communication in the way they are refusing to accept payment online? Once again : They will not contact me via telephone here in XXXX? 
They will not give me another way to pay my account online They will not send me direct emails and force me to spend international telephone calls to them? 
They keep adding late charges and interest on my closed account? 
When I call I'm put on hold and transferred to others? 
They will not let me set-up an account unless I use my american telephone number? 

I'm XXXX XXXX XXXX and all of my outstanding credit with other charge accounts have been damaged by Wells Fargo saying my closed account is delinquent? 

I just want a fair way to pay this bill. My telephone number is XXXX XXXX XXXX. My XXXX is XXXX.
Product: Credit reporting or other personal consumer reports

Experian has delayed or denied my request to remove inaccurate information on my credit report
Product: Vehicle loan or lease

Purchased XXXX from car XXXX XXXX XX/XX/year> with car XXXX and XXXX warranty along with warranty from insurance.XX/XX/XXXX took it to XXXX of XXXX XXXX for a oil change where I was informed I needed things replaced and it was covered under my warranty.my car stayed at this location until XXXXXX/XX/XXXX where I attempted it to pick it up the number was ducked tape and bolts left on the hood. I was than told that was ok.fast forward to the XXXX the vehicle ran hot on 288 I had it towed to XX/XX/XXXXXXXXXX/XX/XXXX where I paid out of pocket to have it towed 3-4 times in one week including less than one mile to the XXXX XX/XX/XXXX to have it put on the machine for a 2nd time where I was told bye both the same thing my warranty had expired i would have to pay XXXX out of pocket for a used engine.i than had someone to come towe it away from XXXX XX/XX/XXXX where I was informed I waited to long they had it towed off the property. Myself and Exeter loan company attempted to look for it to no avail. Exeter is not charging this on my credit and I dont even have a vehicle and went through XXXX. Its been a few years No one has helped me in this matter but maybe you all can thanks
Product: Credit card or prepaid card

Banco Popular Puerto Rico acquired XXXX XXXX XXXX XXXX from which we have our Visa-XXXX. In the process, without consulting me they removed my SCRA ( service member civil relief act ) benefits, going over my 6 % interest rate. We send all documentation requested on XX/XX/2021 and as today, XX/XX/XXXX, they haven't give us an answer. We've called plenty of times and as they told us today ( again ) that they will be evaluating the request ( it has been more than 90 days ). 
I'll like to emphasise that this is not a request, this is an entitled benefit on the federal law.
Product: Debt collection

In XX/XX/XXXX/XX/XX/XXXXof this year ( XX/XX/2020), I had received a call to my place of employment by Navient. They had called my office, spoke with a coworker who then provided them with my direct line and transferred the call to me. I was unable to answer, so the call went to voicemail. I had called Navient shortly after and explicitly told them to not call my place of employment. I had informed them I am not able to take personal calls at work and could get in trouble I requested they remove my work phone number and to not call. 

Today, XX/XX/XXXX, at XXXX, Navient rep XXXX XXXX, called my place of employment after I have already explicitly requested they do not. They were then transferred to my line where she did not leave a message but instead immediately called my

line a 2nd time a few seconds after. It was during this 2nd call that a voicemail was left. When I called Navient and spoke with XXXX I had informed her I had explicitly told them to not call my work phone number and after being advised not to do so they still did. She indirectly attempted to justify it. During the call, Ms XXXX had accused me of being a thief, made accusations of never intending to pay and when I had informed her of my intent to file a complaint, she then threatened to escalate the matter as a form of retaliation. Furthermore, during the call she lied about the FDCPA guidelines on the number of calls they are allowed to make.

Navient rep was in violation of FDCPA for contacting my place of employment after I have explicitly requested they not call, for providing false information regarding the purview of the FDCPA, making accusations that I had stolen money from them and then threatening to retaliate when advised of my intent to file this complaint
Product: Credit reporting or other personal consumer reports

My credit report is showing late payments to XXXX XXXX XXXX. 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 customer service representative.
Product: Checking or savings account

On XXXX2019 I made an ACH transaction from my BOFA checking account to XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX for the amount of {$10000.00} USD. ( I no longer bank with BOFA ) I later learned that the company/recipient was being charged for fraudulent practices and all companies associated were shut down by the FTC. I have tried multiple times to recover my money with no success. I have reached out to the BOFA fraud dept and they said they could not help me.
Product: Credit reporting, credit repair services, or other personal consumer reports

I demand the deletion of the fraudulent accounts and inquiries listed below which all resulted from the Reported Incident of Identity Theft. 

FRAUDULENT AND INACCURATE ACCOUNTS THAT SHOULD BE DELETED : 1. XXXX XXXX XXXX/XXXX XXXX - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

2. XXXX XXXX XXXX/XXXX  - Account # XXXX ( Reported Identity Theft ) - Fraudulently Opened on XX/XX/XXXX. 

FRAUDULENT AND INACCURATE INQUIRIES THAT SHOULD BE DELETED : 1. XXXX XXXX/XXXX  XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 2. XXXX XXXX XXXX  on XX/XX/XXXX ( Reported Identity Theft ) 3. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 4. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft ) 5. XXXX XXXX on XX/XX/XXXX ( Reported Identity Theft )
Product: Credit card or prepaid card

I was on vacation in XXXX. I purchased XXXX rings, earrings, and a bottle. In XXXX weeks the stone fell out XXXX of the rings. I called the company to explain and they offered to repair but never responded to my messages about where to send it. So I filed a claim with my bank. The bank declined and stated that because I here was a no refund policy then there is nothing they can do.
Product: Debt collection

Company has begun garnishment of wages but no process server or court order served. The last court ordered that was served stated that the debt exceeded XXXX in age and by XXXX XXXX would stop collections and charge off debt as uncollectible. Original debt XXXX last communication received at current address was XXXX
Product: Debt collection

On XX/XX/XXXX XXXX XXXX XXXX XXXX contacted me via phone call. They said I qualified for a payment plan that was going to relief me of paying XXXX. They said that to be enrolled in the program i needed to pay XXXX payments of {$390.00} and {$72.00} each month for XXXX months. They had all my info already when they called, my ssn, student loan amount, address, full name, everything.
Product: Debt collection

I was unaware of this account until it showed up on my credit report. Someone opened this account fraudulent with my personal information.
Product: Debt collection

Its been brought to my attention, that theres been false allegations, debit collection practices that are now, known to be of a violation within the Fair Credit Reporting Act. Companies by the name listed ; XXXX XXXX XXXX, known as collections. Bank Of America, known as another creditor. All parties and credit bureaus were contacted, on several occasions, in regarding the alleged accounts listed. There was a noncooperative response from all parties, whom disregarded the request for validation, not verification ; letters which was delivered and received. XXXX XXXX XXXX, for the amount of {$500.00}, merchant XXXX XXXX and Bank Of America, for the amount of {$1400.00}. Theyve all been contacted, via certified mail, several times and failed to provide validation, only thing received was amounts that is claimed to be owned, which theres been a request to delete it off my credit report and name completely. These false marks has been negativilty impacting my life and kids, hurting my ability to not only gain credit but the credit ability to open credit.
Product: Credit reporting, credit repair services, or other personal consumer reports

The account balance is wrong across all three reports. Please remove inaccurate information from my report.
Product: Credit reporting or other personal consumer reports

Td/ Target is reporting fraudulent information on my credit file. Please see the attached FTC report and my drivers license and stop the erroneous fraudulent reporting. I have made multiple attempts to speak to Tdbank/target and request the deletion of this fraudulent account and yet this account persists to report on my credit
Product: Debt collection

I filed a complaint and report to all necessary agencies XXXX  for identity theft. XXXX and XXXX XXXX had open accounts on myself that were not mine. I have never lived in XXXX. XXXX closed immediately. XXXX XXXX  has not only turned over to mercantile but now turned over to Transworld systems inc. Both company are sending bills that has already been identified as identity theft in XXXX. Now Im having to do this again. I have never been to XXXX  nor have I ever lived there.
Product: Credit reporting or other personal consumer reports

I am writing to formally request the immediate blocking and deletion of fraudulent accounts and inquiries listed in my credit report, as I have been a victim of a data breach. Pursuant to 15 USC 1681c-2 ( a ) and FCRA 605 ( b ), I am entitled to have these fraudulent items removed from my credit file. 
Below are the fraudulent accounts I request to be blocked and deleted : XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX. XXXX Account XXXX : XXXX Date Opened : XX/XX/XXXX XXXX : {$2600.00} XXXX. XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1800.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX XXXX - XX/XX/XXXX XXXX. XXXX XXXX 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 XXXX - XX/XX/XXXX 2024
Product: Debt collection

Portfolio Recovery calls daily. There are no written correspondence coming to my home and I have no outstanding debts. I want the daily automation calls to stop.