23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

XX/XX/XXXX CFPB Case # XXXX XXXX and XXXX from XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Maryland XXXX XXXX Please review the updated response/request from NFCU once my Payment Protection Plan Eligible was applied for the timeline in question. I dont know what to do next. I called NFCU about the status of posting the XXXX XXXX Funds to my NFCU account and to inquire as to why XXXX XXXX XXXX are still handling my account and planning to take me to court after the money was clearly posted and I clearly qualified for protection during the cancelation period. It is very frustrating that NFCU is not honoring that I qualify for coverage and my accounts should not be in collections. NFCUs response to my dispute in was : Coverage was canceled on XXXX XXXX Home Improvement Loan ending in XXXX on XX/XX/XXXX and coverage on the XXXX Account was canceled on XX/XX/XXXX. However, if the protected event occurred while XXXX XXXX coverage was in effect, she may still  be eligible for Protection Activation. On XX/XX/XXXX XXXX XXXX XXXX initiated the contact to XXXX XXXX about my protection coverage. On XX/XX/XXXX I received a letter from XXXX XXXX stating Your credit union has notified us of your XXXX Please complete and submit documents On XX/XX/XXXX I received a letter from XXXX XXXX XXXX stated that After a review of my request for Benefits for XXXX ; payment on my account have been WAIVED for the period of XX/XX/XXXX through XX/XX/XXXX. Now NFCU acts like the situation is resolved and it is not. I spoke with XXXX XXXX at XXXX XXXX Now that the XXXX XXXX has been posted, the ball has dropped again. The dates are in the timeline of the cancelation on my NFCU Accounts. XXXX XXXX XXXX stated that the situation was out of his hands and that he would reach out to a supervisor. I have constantly stated that I have every intention of paying my NFCU Debt in full however, it is clear that my accounts should not have gone to the outside collection agency of XXXX XXXX XXXX. I still have to communicate through XXXX XXXX XXXX for a payment arrangement that would not have come to past if the XXXX XXXX was posted as stated by XXXX XXXX Branch. Im not satisfied with the resolution. My court date is XX/XX/XXXX in XXXX County at XXXX XXXX
Product: Student loan

XX/XX/XXXX Principal {$13000.00} XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XX/XX/XXXX payment XXXX XXXX principal {$13000.00} As I see is the same making or not making payments.. Should I stop making payments?
Product: Credit reporting, credit repair services, or other personal consumer reports

When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these items in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting items as unverified information without providing any proof within the period allowed by law. The following items that need to be investigated and deleted from erroneous reporting in my file are listed on my credit report. 
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 XXXX XXXXXXXX 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 XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

In my previous complaints, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, CA XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$19000.00} XXXX XXXXXXXX Balance : {$410.00}
Product: Credit card or prepaid card

I have a credit card on with Capital one and the due date is XX/XX/18. I forgot to make a payment and I made the payment on Tuesday, XX/XX/XXXX. I got charged {$25.00} late fee however my contention is that Monday is a federal holiday and regardless of when the payment was made, it will not get posted until Tuesday., I thought charging a late fee is unfair. If Monday is not a federal holiday, I will agree that the payment is late The Federal Reserve allow a day grace period when the due day is on the weekends and Monday is a federal holiday
Product: Credit reporting, credit repair services, or other personal consumer reports

In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX XXXX Account # XXXX 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 : Also States a consumer reporting agency can not furnish an account without my written instructions.
Product: Credit reporting or other personal consumer reports

I am interested in processing disputes on my credit report to delete and remove all inaccurate information that is hindering my profile. none of these accounts reporting are following the FCRA guidelines. I have been a victim of identity theft an need help clearing my credit report. please review an remove the listed items on my file asap.
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 : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : 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: Credit card

I got a call this morning for supposedly JP Morgan Chase XXXX fraud team stating they noticed that I was trying to open a credit card in Texas and I live in Ohio. I was told this card was opened with a {$5000.00} credit limit. I told them I have not applied for any such card at all and to cancel it immediately. I stated that I do live in Ohio. The person gave me a fraud claim XXXX XXXX and stated her name was XXXX XXXX. Then she transferred to someone else I couldn't understand his name. He asked if I was in Texas, again I said no that I was in Ohio. He said did you charge something in excess of {$800.00} I said no.This man told me my socail cecurity number, this really scares me. Did you charge {$300.00}, I said no, and he asked some other amount again I said no, then he said get out the card you use the most, so I did, he said tell me the exp date so I did, then he asked for the whole number and I told him no way would I give him the numbers, then he told me to hang on and he transferred the call and his supervisor got on the line and said was he rude to you I said no but I'm not providing you with those numbers. This man had the nerve to start yelling at me so I hung up on him.
Product: Debt collection

I was never contacted from this company via phone, email or us mail and according to original debtor it was sold to this law firm. They sent a letter to my employer asking for my social security number and banking information as well as a copy of a judgment I was never even served with. Not once have they contacted me or written any letters. I tried to call and your put on hold for hours and nobody picks up the phone.
Product: Credit reporting or other personal consumer reports

I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 

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 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 XXXXXX/XX/XXXX
Product: Credit reporting

XXXX POSTED AN ACCOUNT ON MY CREDIT REPORT AND I NEVER RECIEVED A LETTER OR A CALL REGARDING THE ISSUE. I HAD NO IDEA ABOUT THE ACCOUNT UNTIL AFTER THEY POSTED THE ACCOUNT ON MY CREDIT REPORT. I WAS NEVER LATE WITH THIS ACCOUNT AND I SUBMITTED A 45 DAY NOTICE OF MOVING OUT TO THE APARTMENT COMPLEX. NOW THAT I FILED THE DISPUTE ON MY CREDIT REPORT, XXXX RECIEVED MY PHONE NUMBER FROM THEM AND LEFT A VOICEMAIL STATING PERSONAL AND PRIVATE INFORMATION. THEY STATED IN THE VOICEMIAL REGARDING A DEBT WHICH VIOLATES MY PRIVACY. THE PHONE NUMBER THAT XXXX CALLED ME FROM IS XXXX. MY ISSUE IS WITH PRO COLLECT VIOLATING MY PRIVACY AND NOT PROVIDING DOCUMENTATION OF A DEBT WITHIN A TIMELY/ LEGAL MANNER.
Product: Debt collection

They said that I owe them money from a hospital bill. I have not been to that hospital in many years and I have never recieved a bill from that hospital. I think it's a scam.
Product: Credit reporting

On XXXX XXXX, 2015, I initiated a dispute with Equifax asking that XXXX XXXX XXXX acct # XXXX validate the debt in the amount of {$710.00} and that the debt was being reported twice on my report. I received notification that the file was updated to show as " paid in full '' on report # XXXX on XXXX XXXX, 2015. I also advised Equifax that the debt was being reported twice by the same company as XXXX XXXX XXXX is now XXXX XXXX XXXX ( according to their website XXXX ) and there was an entry for both names with all the same information on my Equifax report. As of today, XXXX XXXX, 2015, XXXX XXXX XXXX was deleted but now there are XXXX entries for XXXX XXXX XXXX on my Equifax report. It is unlawful the Equifax to put this information back on my report as it was previously delete. It is also unlawful for them to all the organization to report the same debt twice. More importantly, it is unlawful for XXXX XXXX XXXX ( formerly XXXX ) to misrepresent information to Equifax under the Fair Credit Reporting act. I am asking that this be investigated as I have tried to obtain resolve from Equifax to no avail.
Product: Checking or savings account

Marcus by Goldman Sachs closed my savings account on XX/XX/year> without any notice whatsoever. I have had the account for more than 1 year with XXXX issues. I have been trying to call the customer service number several times including 2 hours on XX/XX/year>. I have more than {$80000.00} in the account. I asked for one of 2 things : ( 1 ) either re-instate my account; or ( 2 ) send me my money back. 
They keep routing me to different departments within Marcus by Goldman Sachs. I can't get them to simply just re-instate my account or send me my deposit back. They keep telling me to call them back after 3-5 days every time I call them. 
They won't even tell me why my account was closed either ; I am a very law abiding citizen, so there is zero chance of fraud or misrepresentation. So I am assuming it's just a simple mistake on Goldman Sachs end ; yet I am the only being harassed/punished. 
I really need these funds urgently since I am about to buy a property but now I dont have access to my own deposited funds.
Product: Checking or savings account

I deposited a check and they are holding the funds for 60 days. 

On another transaction they are holding the authorization for several days after the final charges goes through, causing my account to lose balance and incur fees.
Product: Credit card

My wife opened a TJMax credit card sometime XX/XX/2012 in order to save 10 % on our purchase goods., so we open the card at a 12.24 % rate on XXXX of 2012 they sold their credit company to a new bank called Synchrony Bank after that they jump our rate to XXXX $ %! I just call in and ask what my options were and they said that they did that to all customers Acc. I ask what they could do to lower my rate back, and said their was nothing they could do! Please help me to get my rate back to what we agreed upon or some form of help!
Product: Credit reporting or other personal consumer reports

On XX/XX/ I bought a car from a dealership. When my daughter was struggling to make payments. I told my daughter to bring me the paperwork they put in the glove box when we left. My Grandbabies needed a safe car to ride in, but there are so much false information an not told information. This is not me trying to get out of a car. They call me an say come to dealership sign paperwork. I told them XXXX XXXX XXXX XXXXXXXX  an couldn't stay long there. I thought I was gon na sign with my daughter but when I got there it was in my name only.i gave no income cause I don't have income. I can provide proof from social security yearly statement. When I got there the new man working there was a previous worker that I had previously worked with him an I trusted him. So when the other sales man had me signing say here an here an here.i trusted everything. I have paid 2 previous vehicles great with this dealership with that I never received. I'm reporting defamation information from dealership. They also added so much add ons to the contract. The car was XXXX. I ended up financing XXXX. Total will be XXXX .this is double the price of the car.Spoke with general manager XXXX she was suppose to email me my credit application 3 time. I wanted to see what kind of income an what they put down on me. I do not receive XXXX. I feel like fraud has been committed. Oh yeah XXXX said the car is now worth XXXX. I have so many other complaints on them sn how can XXXX XXXX even make me a loan for a car when I had no income. This extra XXXX XXXX that doubles the cost will result in the car being repossessed. If there was the right amount of the car being financing maybe she can keep the car.but due to false they made to XXXX. They have tried to produce credit application but they only sent contract. So no one can produce no information. Or wrong information
Product: Debt collection

The landlord XXXX XXXX XXXX ( XXXX ) of XXXX XXXX, Texas hired Phoenix Recovery Group LLC to collect a debt from me without due process. I provided XXXX assistant property manager, XXXX XXXX with my phone numbers, email and forwarding addresses in order to contact me should they encounter any issues after I moved out of the apartment in early XX/XX/2021. For entire year I never heard from XXXX. Suddenly I get a call from Phoenix Recovery Group attempting to collect a debt I was not made aware of prior to the call. Since that phone call until now I have been subjected to a relentless abuse of power by Phoenix Recovery Group attempting to fraudulently bully me into paying a debt without my rights to dispute the charges. After the call, I contacted XXXX to find out why they took the action against me without my prior knowledge? I asked what were the charges they said I owed, and when I tried to explain that before I left, those items in dispute were explained to XXXX XXXX to which she said I had nothing to worry about, the lady then said that it was in the debt collectors hands and there was nothing she could do. I have initiated a dispute with XXXX ( my second attempt ) and obtained a confirmation # XXXX for the records.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, XXXX # XXXX, XXXX, Amount {$9200.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX, AC # XXXX, XXXX, Amount {$470.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$40.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible .XXXX XXXX XXXX # XXXX XXXX XXXX, Amount {$8100.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible XXXX XXXX, AC # XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible. XXXX XXXX XXXX  XXXX, AC # XXXX, XXXX, Amount {$0.00}, This account was opened fraudulently, contacted the company and company refused to remove this from account and is still trying to hold me responsible.
Product: Debt collection

preferred lease fka mp for the amount of {$5000.00} XX/XX/XXXX acct # XXXX i don't have no recollection of this account it is identity theft
Product: Checking or savings account

XXXX clean balance in the beginning then I transferred money into my main account for the following XX/XX/XXXX XXXX  - paid {$67.00} XX/XX/XXXX XXXX- paid {$65.00} XX/XX/XXXXXXXX XXXX - paid {$190.00} ( Processing fully completed XX/XX/XXXX ) however a negative balance hold of {$120.00} didnt drop XX/XX/XXXX refunded XXXX- {$36.00} XX/XX/XXXX temporary claim for XXXX  {$36.00} I was left with a negative balance out the blue of {$120.00} after paying companies Called on XX/XX/XXXX and XX/XX/XXXX when I saw negative balance to get an explanation. Rep stated the negative balance will drop after processing since I paid it already and due to it being the weekend so itll be a hold. However negative balance never dropped. 

Called bank back on XX/XX/XXXX and another rep didnt know how the negative balance got there and transferred me to supervisor. Supervisor stated negative balance came from not paying smartstop I informed I transferred money over to pay, supervisor then stated the other purchases from the company took money out. I then informed supervisor I also transferred money over to pay those companys and the companys will not take money out of my account if it was XXXX balance or a negative. Supervisor then stated negative balance was due to the temporary credit being back owed I needed to pay and the fees. I said ok I got you. ( Even though that didnt make sense due to the balance being more than {$36.00}, it shouldnt had came up to {$120.00} ) I let it go to not argue and move forward on good faith. 

I then transferred {$130.00} over to pay the negative balance of {$120.00}. Even though I already paid the companys off so the bank charged me again even though I paid the companys and bank never released the money I transferred over that the companies took, so thats double the cost. 

On XX/XX/XXXX I seen a credit of - {$36.00} from the temporary credit. The same temporary credit the bank Supervsior stated I needed to pay back in XX/XX/XXXX. I called the bank and spoke to XXXX, and supervisor XXXX in fraud claim dept explaining why did I owe them after I paid that off in the negative balance of {$120.00}. They stated that had nothing to do with the credit and they are just now asking for the money back. I informed them of paying an extra {$120.00} for no reason. They stated they couldnt help and transferred me over to customer service Supervsior line. I explain the situation and they put in a tickets for me to have this investigated. 

Ive been getting random money out of my account from the bank and they are saying its late fees, then say its due to the money being held and will drop later ( but never do ) reps are giving me the run around. My money I transferred over to pay off the company never released since I had to pay an extra {$120.00}. There was no money in the account before that so there shouldnt be a negative balance being owed