23daVinci/CFPB_Complaints huggingface dataset:
Product: Credit reporting or other personal consumer reports

On XX/XX/2024 I made my first mortgage payment and did accept that late fee as it was the first month for a total of {$3300.00}. On XX/XX/2024 that payment was returned to me with an additional {$20.00} " bad chk '' charge although is was paid through ACH. 
On XX/XX/2024 I paid it again for a total of {$3100.00} as the money was returned to my account. This is still for the XXXX month payment. On XX/XX/2024 I paid for the XXXX Mortgage statement in the amount of {$3300.00} which included a late charge of {$130.00} and included a {$20.00} " bad chk '' fee yet again paying ACH, although in my lender contract it states I have until the XXXX of every month to make my payments without late charges. On XX/XX/2024 the XXXX mortgage payment was sent back to me yet again in the amount of {$3300.00} where they then immediately charged me another late fee of {$130.00} and two more separate {$20.00} " bad chk '' fees. 
Again paying through ACH. On XX/XX/2024 I made the XXXX mortgage payment again in the amount of {$3100.00} as that was the showing due amount. On XX/XX/2024 I made the XXXX mortgage statement in the amount of {$3100.00} as showing due on my account. On XX/XX/2024 the XXXX mortgage payment was sent back to me in the amount of {$3100.00} with an added on {$20.00} " bad chk '' fee and a {$130.00} late fee immediately. When I called and asked about the events that were happening TYPE OF ISSUE Payment process XXXX because they have tanked my credit nearly XXXX points and are showing my home loan as delinquent, their response was that there were " insufficient funds '' yet they had the funds for 2 weeks plus before returning the money into my back account. I am now being told that I can not make my XXXX mortgage payment online or going further, that I must pay with cashiers checks. They are destroying my credit and are creating negative remarks that are effecting my credit card limits and my husbands credit and card limits as well. I am being told there is nothing the can do for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ally banks is saying I owe a {$630.00} dollar balance on a car loan that was totaled and paid for by XXXX XXXX and the ally gap insurance coverage they made me put in my loan agreement. I filed XXXX  XXXX bankruptcy on XX/XX/XXXX of XXXX and in XXXX of XXXX they reported that they Closed my account as a charge off of {$630.00}. Which dinged my credit report big time after Ive worked hard to get it semi back to normal the last 2 years. When I call no one there ever has any information and they tell me to call back the next day.
Product: Debt collection

I never received a debt letter telling me about this debt or that i could dispute this. I found out by researching my credit file. I contacted the agency and requested a validation letter with proof and was never sent one. This debt is not mine and is negatively effecting my credit
Product: Debt collection

I tried to send them a letter last XX/XX/2020 asking for a copy of a signed contract bearing my signature, a copy of the payment statements of this account from which XXXX is reporting to the credit reporting agency. I am asking for proof that I was late on payment because they are reporting erroneous inconsistent account information. Tracking number : XXXX I received an insufficient response from them and they did not update the credit report as disputed. 

XXXX is violating the FCRA for reporting this account with inconsistent and inaccurate information that I disputed which they then did not update to the credit reporting agencies as " disputed '' and continues to report inconsistent account information which is in direct violation of the FCRA.
Product: Credit reporting or other personal consumer reports

I am writing to formally dispute the inaccurate and incomplete data reported by XXXX XXXX XXXX ( account number : XXXX ). The reported information is in violation of established reporting standards and regulations. 
Specifically, the following data fields contain errors : * Experian : Highest credit ( XXXX ) ; Address ( not reporting ) ; Activity date ( XX/XX/2023 ) ; Date of account ( XX/XX/2023 ) ; Date of last payment ( XX/XX/2023 ) * XXXX XXXX : not reporting ; Address ( XXXX TX, XXXX ) ; Activity Date ( not reporting ) ; Date of account ( not reporting ) ; Date of last payment ( not reporting ) * XXXX : Highest credit ( {$20000.00} ) ; Address ( not reporting ) ; Activity date ( XX/XX/2023 ) ; Date of account ( XX/XX/2023 ) ; Date of last payment ( XX/XX/2023 ) These inaccuracies have the potential to negatively impact my creditworthiness and financial standing. 
I demand that XXXX XXXX XXXX correct these errors immediately. Furthermore, I request that you provide written confirmation of the corrections made. 
Please note that failure to address these issues promptly may result in further legal action. 
Thank you for your immediate attention to this matter.
Product: Credit reporting, credit repair services, or other personal consumer reports

This is my other endeavor to tell CREDIT BUREAUS that I am a victim of identity theft and to complain about specific records in my document because of their wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services, or money that I have made or authorized. Assuming no one cares, either way, block the noteworthy of any information in my credit record that came about due to alleged fraud. Per Section 605b of the FCRA CREDIT BUREAUS is required by law to remove any ITEMS or information which is found to be opened due to identity theft. 
XXXX XXXX XXXX XXXX XXXX, NC XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XX/XX/XXXX ; XXXX Balance : {$1200.00} ; XXXX XXXX XXXX XXXX  XXXX Balance : {$50.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX  ) XXXX Balance : {$790.00} XXXX XXXX XXXX, XXXX XXXX XX/XX/XXXX ; XXXX ; XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXX.
Product: Checking or savings account

I opened the account as I was advertised to receive {$700.00} bonus if I deposit {$50000.00} within 21 days of account opening and keep the balance of {$50000.00} for 60 days. I opened the account on XX/XX/2021 and met all requirements. No bonus was posted for me.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX a company consumer reporting agency located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX has false information reporting thereto third parties such as Quicken Loans and other agencies whom stated that they found negative reporting and could not fund our loan. This information is unknown and is falsely reported. I have never heard of XXXX until XX/XX/XXXX. They had my birthday ten years older than what i am and one day removed from my original birth date. Something is very strange with this information they posted. Quicken Loans denied us after we went over the information due to some unknown issues newly found. XXXX and Quicken loans working together. XXXX  { XXXX   } has been harassing us since they alleged to have acquired a loan from the FDIC on XX/XX/XXXX. At the same time i, was battling to regain my investment with XXXX XXXX XXXX. XXXX. so that is how this began.
Product: Student loan

On Friday, XX/XX/XXXX, I contacted Edfinancial immediately after receiving the news of XXXX XXXX XXXX. I saw on the Federal Student Aid website that we were able to request a refund on payments made throughout the payment pause that started in XXXX. I went ahead and asked them to do that but was immediately taken aback when they notified me that the processing times would be a minimum of 150 days. I was a pell grant recipient and am therefore eligible for XXXX in forgiveness. Throughout the pandemic I paid almost $ XXXX in eligible payments. 

It seems as though edfinancial is the ONLY student loan provider who is quoting these ridiculous wait times. XXXX, XXXX XXXX, XXXX are only quoting 3-8 weeks turnaround time and those that I know with those loan providers are already seeing their loans reflected on their account. Whats worrying to me is that the application for forgiveness starts in XXXX and edfinancial wont be processing any of these in time for us to receive forgiveness. They stated that our loan balances wont be reinstated until the refund is processed which wont be until XXXX at the earliest for them. The interest rates and payments will resume again in XXXX. 

They told me on the phone that they can not send out confirmation emails or anything to prove that they indeed did send in our request. I realize with the influx of calls that getting our money back could take a while but its very concerning to me that theyre saying this entire process can take 6 months to a year when every single other student loan provider has a way quicker turnaround despite having thousands of requests as well. Currently, getting that money back would be life-changing for me as well as many others. So seeing other peoples loan providers reinstating their balance after requesting it just 36-72 hours later makes me very concerned that this company does not have our best interests at heart.
Product: Credit reporting, credit repair services, or other personal consumer reports

This agency is in violation of 15 U.S.C. 1692g. As the original creditor, only I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company. I will also be seeking litigation and {$1000.00} per violation. Federal law requires you to respond within thirty ( 30 ) days, yet you have failed to respond. Failure to comply with these federal regulations by credit reporting agencies are investigated by the Federal Trade Commission ( FTC ) ( see XXXX XXXX XXXX, et seq. ). 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance. I further remind you that, as in XXXX XXXX Trans Union XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX you may be liable for your willful non-compliance. 
I demand that these accounts be deleted immediately or I will file litigation.
Product: Credit card or prepaid card

Like many people I had some debit/gift cards lying around. On XX/XX/XXXX I decided to convert them to an XXXX  credit since I use XXXX often. I got the balance wrong on one card so it was declined. I looked everywhere on the XXXX website to cancel the purchase and could not find a way to cancel. XXXX sent me an email saying that they would give up in two days if the card didn't work. 

Instead of giving up they decided to just substitute and charge my XXXX card which I NEVER use. I never gave them permission to charge this card and how convenient for them to just use THEIR propriatary card without my permission. So now I have a new bill for {$15.00} that I must spend with them. This make me REALLY angry. Don't they think that I would substitute to different card myself if that's what I wanted to do? Now XXXX XXXX I get their bill in the mail. Unbelievable -no way to cancel -used a card I have NEVER used -no notification they were going to switch cards
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681. 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  have ALL violated my rights. 15 USC 1681 section 602 A states I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. I also did NOT Authorize these misleading inquiries : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Delete them off my credit report. 
Equifax is failing to do their due diligence and is illegally violating my consumer rights. I would like to sue Equifax for damages and losses along with several other charges!
Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX, I authorized a PayPal purchase from XXXX XXXX in the amount of {$86.00}. Previously learning from a PayPal representative that I must manually go into my account to switch the payment method from my checking account BACK to my preferred method of PayPal Credit, I did so, so the purchase would post to PayPal credit. When I checked my bank account, PayPal had deducted the purchase from my CHECKING. Upon calling PayPal because I knew I manually switched the payment method to the credit option, the representative confirmed that I did go in and change it, but PayPal switched it back because, basically, THEY wanted to. PayPal negated my choice and just took money out of my checking account without the authorization from me for this purchase. This is the SECOND time they have changed my payment method without my consent.
Product: Credit reporting, credit repair services, or other personal consumer reports

Contacted XXXX XXXX XXXX numerous times about my two mortgages with them. Informed them the credit report states I owe $ 200ish and confirmed I do not owe them any outstanding balance. 

My report continues to show account is delinquent. I have called as well as initiated email threads confirming I do not have a balance and the loan has been sold. However, my credit report and score are perpetually impacted. 

As of now the lenders have informed me they forgot to wire excess funds nearly {$6000.00} to my transfer lender. 

I do not owe XXXX XXXX  XXXX anything and may have double paid them which they are looking to reimburse. Please have this removed from my account ASAP. I am in the process of purchasing more property and this affects my loan process heavily.
Product: Credit reporting or other personal consumer reports

Navy federal is reporting inaccurate information on my credit report they are reporting double accounts on my credit report Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy 15 USC 1681b 2. They also have no permission to rep ANYTHING using my info pursuant to 15 USC 1681 4.
Product: Credit card

I made a purchase for {$28.00} on a Synchrony credit card in late XX/XX/XXXX. They never sent me a bill to my address or email. On XX/XX/XXXX I received a cellphone alert that I have a {$100.00}. balance on my credit card. This was the first notice about owing them money. I called concerned my information had been compromised and someone was using my card. I contacted them and was finally notified about the charge and learned the additional {$70.00} was interest and late fees on the original purchase. I asked them when they sent me the billing for XX/XX/XXXX and or XX/XX/XXXX and they could not provide the information. So we agreed today XX/XX/XXXX on a phone call with customer service that they would waive the late fees and penalties if I would make a payment today. which I did through my bank. Now I have received an email indicating that I have a past due balance on my credit report from this incident even though it was paid as soon as I knew anything about it. So in effect this company failed to send me a bill for two months and then reported me for their failure.
Product: Vehicle loan or lease

Our automobile leasing company, Nissan Motor Acceptance Corp. ( NMAC ), began paperless statements. I did not know this. We don't use computer that often. I realized that we did not get a recent bill and contacted them. I was informed that we were 2 months in arrears nearing a third month overdue. I immediately paid 3 months to become current and requested they return me back to mail statements. I found out shorlty after it was reported to the credit bureau as delinquent and our credit score was reduced almost 100 points. NMAC should have contacted us by phone or mail to alert us we were late with a payment so we could have paid our bill, for sure, less than another passing month. Also notify us that if we didn't respond it would be reported to credit bureau. There is no customer service here at all.
Product: Credit reporting, credit repair services, or other personal consumer reports

I want to inform you I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any item listed on an id theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted to my report. Here are the list of items which do not belong to me or were opened without my permission. 
XXXXXX/XX/XXXXXXXX XXXX XXXX, GA XXXX ; XXXX XXXX XXXX XXXX XXXX GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXX/XX/XXXX
Product: Credit reporting or other personal consumer reports

ACCOUNT : XXXX XXXX CREDIT REPORTING AGENCY SHOWING INACCURATE INFORMATION ON MY CREDIT REPORT. THIS ACCOUNT IS A CHARGED OFF AND SHOWS STATUS AS OPEN WHEN IT SUPPOSSED TO BE CLOSED ACCOUNT, INFIRMATION IS INACCURATE n according with the FAIR CREDIT REPORTING ACT. Account number XXXX XXXX has violated my rights 15 USC 1681 SECTION 602 A. STATES I HAVE RIGHT TO PRIVACY.

15 USC 1681 SECTION 604 A SECTION 2 : IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS 15 USC 1681 i SECTION 5 CREDIT REPORT INFORMATION HAS TO BE ACCURATE.
Product: Credit reporting, credit repair services, or other personal consumer reports

I, XXXX XXXX believes in the credit reporting system as the most important element to the success of the commercial banking system. I am also a proponent of the Consumer Financial Protection Bureau ( CFPB ) as a tool to streamline issues on credit reports that may be dragging down my overall scores. Accordingly, I address each particular issue directly with the creditor in question, before submitting any complaint to the credit bureaus if necessary. Therefore, I desire the following reinvestigation as follows : 1 ) On accounts where late payments are posted, I respectfully request a review of the past payment history and to ascertain if certain payments could actually have been posted late because of an overlap on the 30-days grace period. I realize that this may happen on occasion, and I request only a summary review internally, and do not require any documentation.

2 ) On any account that falls within the 84-month negative reporting timeline, I respectfully request either the deletion of the account if said account was closed, or the elimination of the prior payment if the account it is still active, this is well within the Fair Credit Reporting Act ( FCRA ) guidelines pertaining to obsolete information.

3 ) Any collections must be proved if either a direct collection and/or debt purchase. In either event I request that a true original copy of right to pursue collection be established with each respective credit reporting agency, and if a debt purchase the guidelines proving transfer of ownership must be submitted to all credit bureaus as well as me personally to validate ownership and the right to collect. I am well within my rights requesting proper documentation as administered through the Fair Debt Collection Practices Act ( FDCPA ), the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), in addition to the even stricter guidelines enforced by the office of attorney general in my state of domicile.

I respectfully request each investigation to be reported to XXXX, XXXX  and XXXX XXXX within a reasonable time period, hopefully 30-days. I realize that the current Covid-19 crisis could cause delays, so the best efforts of each financial institution and collection agency will be appreciated under the current circumstances. 
XXXX XXXX
Product: Debt collection

As of XX/XX/XXXX of 2021. A judge and MCM lawyer found that I was exempt on continuing writ of garnishment. I filed complaint with you all back in XX/XX/2021, and they said they would cease and desist debt collection. Even though they said that they had legal to but the thing is my situation has not changed I have kids that I take care of nothing has changed. Yet, here we are 3 months later them sending me a letter trying to collect even though they said they would put a cease and desist on my account cause I do not have the money. This was a debt that I had when I was married and my wife used up the card when she lost her job. So I will keep filing my complaint cause we put this already in front of a judge and proved that I am too poor to pay this debt.
Product: Credit card or prepaid card

On XXXX XX/XX/2019 I purchased a set of XXXX  golf clubs iron set  on XXXX and paid for them on XXXX VIA my VISA credit card. The golf clubs were not as described and I filed a dispute with XXXX, XXXX and my credit card company. My credit card company gave me a temporary credit while they investigated. The person that I bought the golf clubs from XXXX XXXX sued me in small claims court and I was court ordered to pay him the {$1800.00} VIA certified check. I paid Mr. XXXX the certified check on XX/XX/2019.XXXX  told me ( after I filed a XXXX XXXX XXXX  complaint against them ) that they had to hold my funds for 75 days per federal law. The 75 days was up on XXXX XX/XX/2019 and XXXX told the XXXX XXXX XXXX  that they deposited the {$1800.00} back into my credit card company under my account number. My credit card claims that they never receives these funds and told me that my case is CLOSED and they refuse to redeposit the funds back into my account. I have paid for these golf clubs TWICE. Once VIA XXXX and once VIA CERTIFIED CHECK. I simply want either XXXX or my credit card company to REFUND my {$1800.00} that I have PAID to XXXX XXXX.
Product: Debt collection

I was served with paper work, for XXXX County Colorado. I went to file an answer. The clerk informed me that there was not a case number on the paper work. She then informed me that with no case number then there was no case. I do not owe any amount of money to their client, and they will not remove it from my credit report, as I am trying to use my V.A. benefits to buy a home. As I am XXXX XXXX, and my condition is getting worse.
Product: Debt collection

XXXX XXXX is attempting to collect a debt from a company I know nothing about. She threatened me and stated " she was going to contact my employer and there was a warrant out for my arrest from check enforcement. I asked for her to submit a document to show I owe this debt but was unsuccessful. She calling from XXXX. Not sure what to do becuase she harassing me at work.
Product: Credit reporting, credit repair services, or other personal consumer reports

I was fraudulently charged {$24.00} on XXXX and another {$24.00} on XX/XX/XXXX from XXXX  and as A result of it, I have the 30 days late payments showing on my Credit Report for XX/XX/XXXX which I had never authorized anyone to swipe my card to anyone when I check the XXXX XXXX.
Product: Payday loan, title loan, or personal loan

This kickoff company never send me a book the they said they will they keep charging me and report it to the credit bureaus like if they really sold me a book when is not true
Product: Credit reporting or other personal consumer reports

This is my Other request that I have been a victim of identity theft and that no one seems to care, that I want to dispute specific records in my credit file that do not belong to me, or that I have signed any agreement. The items I'm challenging have nothing to do with any transactions I've done or authorized to gain products, services, or money. Please remove the following Child Support Date Filed/Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX