23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting, credit repair services, or other personal consumer reports

To whom this may concern : XXXX XXXX XXXXXXXX XXXX has reported inaccurate information on my credit report. The problem with this company is that they tend to charge late fees generated by the billing software, according to the Customer Representative I spoke with on XX/XX/XXXX. I informed her that I paid in advance in reference to the XXXX statement {$210.00} for payment due on XX/XX/XXXX, in the amount of {$60.00}. XXXX payment due {$56.00}, XXXX payment due {$56.00}, and XXXX payment due XXXX $ XXXX $ XXXX $ XXXX $ XXXX {$12.00} owing for XXXX. There was a payment made toward 's the remaining balance of XXXX payment of {$12.00}. A {$25.00} was paid on XX/XX/XXXX, which left a credit balance of {$13.00} to go towards the XXXX payment due on the XXXX. I made the young lady aware of the advance payment, and she indicated that their contract says that I can not pay in advance. I have never agreed to or signed any contract that says I can not pay my credit card bill in advance. I am appalled that they reported on all three credit agencies 30 days late for XX/XX/XXXX. This is an unethical practice. She indicated she could remove the late fees and that she would file an investigation. However, they are reporting that I am past due, which is not true ; I am current. I appreciate it if this matter is resolved promptly. I have attached for you to review the statements. XXXX XXXX closed my account back in XX/XX/XXXX, when I inquired about them reporting late fees in XXXX and XX/XX/XXXX. Their explanation was due to " lack of real estate secured loan information, no open back cards in my file, unpaid collections, the average time since revolving accounts opened is too recent, the number of inquiries was a factor in determining a score. '' Which I find appalling because my accounts are not late or past due. I have a 3-year car loan paid on time, a line of credit of {$1.00} XXXX I had for 2 years, and other major credit cards I had for a year or two that are all current or XXXX balance, and they are not closed.
Product: Checking or savings account

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

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Date of Birth : XX/XX/XXXX SSN : XXXX XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX : XXXX Dear Sir/Madam : Upon reviewing my credit report, I have identified certain incorrect information that needs to be corrected immediately. Below, I detail the inaccurate information that should be removed, as well as the correct information that should be reflected in my credit report : Incorrect Information to Be Removed : Incorrect Name ( XXXX ) : XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX Incorrect Address ( es ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX Incorrect Employer : XXXX XXXX XXXX Date Updated : XX/XX/XXXX. XXXX  Date Updated : XX/XX/XXXX Correct Information to Be Reported : Full Name : XXXX XXXX XXXX Correct Date of Birth : XX/XX/XXXX Correct Social Security Number : XXXX Correct Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX Current Employer : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX I have attached a copy of my government-issued identification and a utility bill to substantiate the accuracy of my correct personal information. This documentation should help expedite the verification and correction of the information in my report. 

Additionally, I believe that these informational errors may be affecting my credit score and could potentially result in unjust credit denials or misrepresentations of my identity, with the risk of associating me with fraudulent activities.

Request for Investigation and Procedures Pursuant to Section 611 ( a ) ( 6 ) ( B ) ( iii ) of the Fair Credit Reporting Act ( FCRA ), I request a detailed summary of the procedures used to verify the accuracy of the information on my report. This summary should include all steps taken during the reinvestigation. 

Additional Request Please note that any automated response generated through the e-OSCAR system will be considered insufficient to resolve this dispute. I demand a thorough manual investigation and a personalized response addressing each of the points raised, in full compliance with applicable legal requirements. 
I also request that all phone numbers listed on my credit report be removed, as I have been a victim of unsolicited robocalls. Additionally, I would appreciate confirmation of receipt of this dispute and periodic updates on the status of the correction, using the mailing address provided above. 

Request for Correction I request that you promptly correct this information, as these errors can harm my credit history and misrepresent my identity. Pursuant to Section 611 of the FCRA, I request the removal of any inaccurate or negative information from my credit report, and I expect to receive an updated report reflecting these corrections within 30 days, as required by law. 

Thank you for your attention to this matter. I look forward to your prompt response. 

Sincerely, XXXX XXXX XXXX
Product: Credit card or prepaid card

On XX/XX/XXXX ( Sunday ) I received an email from XXXX XXXX regarding my XXXX XXXX credit card account. This account was opened in XX/XX/XXXX with a credit limit of {$1500.00}. In XX/XX/XXXX, I purchased one rug, one living room table, one dining room table set ( including chairs ) and a sofa and loveseat. At that time I utilized {$1400.00} plus, in addition to the delivery fee of around {$85.00} ; which used all of the available credit limit that I had. During XX/XX/XXXX, I decided to close the account. As soon as my first statement came, I was paying on my balance ; interest free for 12 months.

XX/XX/XXXX ( Sunday ), I received a letter from XXXX Finance department informing me that they were adding {$73.00} to my account because they claim that they never charged me for the rug. This is almost a year later when I received this information. I called on XX/XX/XXXX ( Monday ) to speak to XXXX ( name referenced in the letter ) and I was told that she was on vacation. I told the representative that I spoke to that I did not agree with these additional charges that were being added to my account 11 months later and that I would like to dispute the charges. I left a message with that representative for XXXX and I anticipated a call from her when she returned from vacation. On XX/XX/XXXX ( Thursday ), I called back to speak with XXXX because she hadn't returned my call. She told me that she did not receive my message and she was very rude and unwilling to answer my questions or listen to my dispute. I informed her that I would be making a complaint regarding this issue, she acted as if she did not care. 

On my next XXXX 's statement, the increase was already added to my account as well as the corresponding interest. 

I do not agree that a credit card company should be able to add a fee onto my bill, stating that they forgot to charge me for merchandise. I have not kept the best records but I am more than certain that I utilized all of my credit and that rug was charged to my account. I don't believe I as a customer should be held responsible for some type of " issue ' that they have claimed to find on my account over a year later that financially impacts my liability to that company. 

I will not ever do business with this company again. Bad customer service and miscellaneous fees being added to my account.
Product: Debt collection

I am being doubly charged for tuition. This was paid by my Student Loans. I attended XXXX University and took out XXXX XXXX loans to pay for the costs of tuition. I only attended the school for 3 months but am being charged XXXX from the school as well as XXXX for repayment on the loans. My student loans were applied to all tuition charges. I am paying off the student loans ( now Navient ) and am current on my payments. I disputed this debt several times including through the original creditor and have gotten no responses, additionally collection attempts on this erroneous debt were continued to be made after dispute and even during a deferment with XXXX XXXX while I was attending a different school. I do not and never did owe this debt as my student loans were applied to all of my tuition costs and I am paying those timely. This needs to come off of my credit report immediately as I never owed this bill. This is plain and simple an accounting error from XXXX. Therefore XXXX sold incorrect information to Caine & Weiner. I have attached proof of the loans that were applied to the tuition.
Product: Debt collection

A collection company named, XXXX XXXX XXXX , XXXX, ( XXXX ) owned and operated by D, Scott Carruthers has violated my rights under the Fair Debt Collection Practice Act ( FDCPA ) by attempting to collect a debt outside the statute of limitation for collection. XXXX also filed a collection lawsuit for the debt, which was outside of the statute of limitations of four years in this state. The debt was with a company called XXXX, which went delinquent and into collections in XX/XX/XXXX, and was Charged off by as a bad debt at the time. XXXX XXXX XXXX bought the debt for pennies on the dollar in XXXX and are attempting to illegally collect a debt outside the statute of limitation, and trying to collect XXXX times the original amount ( {$3800.00} ), which according to the FDCPA is also illegal. XXXX XXXX XXXX started their tirade back in XXXX XXXX by calling my job and threatening me on numerous occasions, until I demanded their office stop calling my workplace. XXXX XXXX XXXX and D. Scott Carruthers has threatened me, harassed me and are now filing an illegal lawsuit for collection of a debt that according to federal law is an illegal attempt to collect. Furthermore, XXXX XXXX XXXX has knowingly acted outside the law and have no respect for it, because Carruthers and XXXX XXXX XXXX never formerly served on the lawsuit in accordance with the law. XXXX 's sole purpose is to bottom feed by taking advantage of folks that were subject to financial misfortune during the housing market crash in XXXX, which I was a part of. I am asking that Mountain Lion Acquisitions, and D. Scott Carruthers be held accountable for their illegal acts, and everything they filed with the courts be rescinded, and they remove the Judgment notice XXXX 's and D. Scott Carruthers reported to my credit reports, which was filed erroneously, and was outside the statute of limitations for collection. Additional, XXXX XXXX XXXX , XXXX and D. Scott Carruthers lawsuit and reporting to my credit report has caused me not to be able to secure a personal loan of {$50000.00} as of XXXX XXXX, because of their erroneous reporting to my credit report. A Financial Representative from the company I applied to specifically asked me about the judgment, which was reported as of XXXX XXXX, which I was not aware of until then. furthermore, XXXX and D, Scott Carruthers filed a lawsuit without properly notifying me of the lawsuit, which again is against the law. Your assistance in this matter is greatly appreciated. Thank you.
Product: Credit reporting or other personal consumer reports

Subject : Request for Assistance : Submitting a Claim for Data Breach Dear CFPB Representative, I am writing to seek assistance regarding the process of submitting a claim for a data breach that has impacted my personal information. The breach in question has caused concerns about the security of my data and potential misuse. 

Could you please provide guidance on how to properly submit a claim, including any documentation or steps required to ensure my claim is processed effectively? Additionally, I would appreciate any advice on how to monitor or mitigate potential identity theft issues stemming from this breach. 

Thank you for your attention to this matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

My accounts was never late! I have had exceptional payment history with capital XXXX and all payments were placed on XXXX. 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 to be removed/updated.

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.

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!
Product: Credit reporting, credit repair services, or other personal consumer reports

Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the XXXX  is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im homeless n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im depressed now.with no help.
Product: Credit reporting or other personal consumer reports

I have repeatedly disputed multiple inaccuracies in my Experian report, and the company has failed to adequately investigate and remove inaccuracies overtime, including debts that I was unaware of incorrect amounts and outdated consumer information that I asked to be removed, which were subsequently removed and placed back on
Product: Credit reporting or other personal consumer reports

There should only be XXXX student loan account open for {$14000.00}. Ive opened disputes and contacts student aid.gov who informed me that the accounts have been removed on their end so they are unsure why the credit bureaus are still reporting incorrect information. How is it that XXXX has been able to make the corrections but Experian and XXXX cant seem figure it out? Maybe if you would actually INVESTIGATE MY DISPUTE instead of closing them in less than 24 hours you would be able to obtain the correct information. This issue is affecting my quality of life, as my XXXX appears to be way higher than it actually is while trying to qualify for a home loan. This is a last ditch effort on my part before seeking relief legally.
Product: Credit reporting or other personal consumer reports

Per the XXXX as a federally protected consumer I am no opting out of any and all authorization I the consumer may have given you written, unwritten, verbal or non- verbal per 15 USC 6802. I'm exercising my rights to XXXX XXXX from consumer reporting. I've attempted to and was denied my federally protected rights per the Privacy Act of 1974. See attachment for further details on the creditor and account details.
Product: Vehicle loan or lease

I have been trying to pay off my auto loan quick so I send in payments towards the principle balance the JP Morgan Chase app consistently changes your principle payment to ordinary payment so I have to call and complain for them to reverse it. They told me call in and make the payment directly, so on XX/XX/XXXX I made another principle payment of XXXX dollars by debit card from one account and XXXX dollars from the same account I use regularly to pay. The XXXX dollar payment was never applied to my account I called today on XX/XX/XXXX the money was taken from my account from XXXX XXXX XXXX  and it shows on my records, but Chase Bank said they never got it. Upon further review and consistent calls to Chase they stated they see the notes made by the agent who took my call they saw the notes for XXXX towards the principle payment but don't understand what happened. One agent told me to report it as fraud but said Chase would still investigate, another agent said that when my bank credits me that Chase closes its account. On my 3rd call a supervisor named XXXX informed that they believe my payment went to another account but refuse to credit me or refund me my money. The XXXX payment went to interest I complained about that they Saud they will reverse it but did not and refuse to. I have adequate proof of transactions and screen shots. JP Morgan Chase I believe is holding peoples funds to get as much interest as possible evening changing principle payments then delaying or not even reversing the charge. To tell a customer to call your bank and claim fraud and they will refund you is absolutely unprofessional and I'm curious to know how many people they have done this to and I believe this is illegal. I have called numerous times of which they say they are recorded, if you listen to the phone calls and check the notes you'll see how this company has handled my account and all the errors
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXX Account Name : XXXX Account Name XXXX XXXX XXXX Account Name : XXXX Account Name : XXXX XXXXXXXX XXXX XXXX XXXXXXXX Account XXXX and list of Inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Product: Debt collection

I checked my credit report and there is information about a debt in the amount of {$670.00} that is not mine.
Product: Debt collection

I recently review my credit report and notice there were inaccurarcies. A JEFFERSON CAPITAL SYST amount of XXXX is not my debt. I was a victim of id theft and im not responsible for collection. Below is a copy for information related to the debt. This collection is compromsing my chances of acquring a place to live. 

JEFFERSON CAPITAL SYST Original creditor : XXXX XXXX {$850.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type XXXX XXXX XXXX XXXX  : 0 % Balance on XX/XX/XXXX Original balance {$850.00} {$850.00} Payment Info Original balance {$850.00} Balance {$850.00} Status XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXt Status date XX/XX/XXXX Additional info Comments-
Product: Credit reporting, credit repair services, or other personal consumer reports

I do not understand how the credit lending institution can allow a machine to run my credit and decide that the lack of information found means I'm a risk factor for paying my bills. I have filled out credit applications and been denied for what was on my reports so I did not argue. I spent several stressful weeks trying get the inaccuracies corrected & now they are. I filled out a new application and was denied for not having enough history of payments, & a non generated fico score. I have paid cash my whole life & had no clue I was being graded for my payment histories! The credit card companies will not give me a fair chance because according to the grading scores ( calculated risk ) I'm not credit worthy. I am sick of the way our governments grade our lives pretty much from birth! I'm capable of paying my bills and I'm the one who should be ablebto say so not some XXXX scoring chart that has no clue what assets I've aquired in my XXXX   years of life. Credit lenders if you can not treat me the way you might a XXXX with no credentials in the U.S. then your loss and you should be ashamed of your selves. I think its prejudice & bias that you won't trust me but I'm forced to trust you!
Product: Debt collection

I paid this debt 's judgment on XX/XX/22. They continued to garnish my wages and I had to wait over 30 days to receive the credit back of 4 payments. In addition, I was never sent a satisfaction of judgement. The representative tells me I can " pull '' it from the court site. I can not as I do not have a XXXX number in order to login to said court site. She sends me a screenshot where SHE can download the linked report - that is not available on my side. I repeatedly asked for a satisfaction of judgment to be sent to me, and it is now two solid months after I paid this debt. The inaction of the attorney to send me a copy of this judgment is holding up the title search of the sale of some property.