23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

My name is XXXX XXXX. I am a XXXX year old female.I went to XXXX XXXX last XXXX for a fix on my XXXX XXXX. They told me it was not fixable and said that I needed to have a new XXXX and a new XXXX.. Gave me a price of XXXX approx. I agreed. They made the XXXX and could not get them to fit. The next time I went back there was a new XXXX there and he said we had to have new XXXX. We made new XXXX and the XXXX did not fit and he proceeded to put a XXXX for another XXXX on my one XXXX XXXX to hold the XXXX. He made another impression for the XXXX, we got that and he could not get either the XXXX XXXX or the XXXX to fit so they didn't hurt. I continued to go back several times with no luck. It is nowXX/XX/XXXX. 9 months I have been going to this XXXX. I made an appt. and returned the XXXX on XX/XX/XXXX. I had to have financing for these XXXX and got a loan with their company XXXX XXXX which is XXXX XXXX. The problem is with the finance company now. XXXX XXXX took my balance down to the price of the XXXX   XXXX but the finance company is still demanding that I pay a XXXX payment for XXXX. I fought with them and they took over XXXX off the bill because I was paying all that time for nothing. I am more than happy to pay the XXXX bill I owe for the XXXX with a XXXX monthly payment that they told me it would be I have made XXXX and XXXX payments and they are still demanding that I pay the XXXX for XXXX. I have agreed to pay them XXXX for that month but they are refusing. In the meantime they are reaming me with late payments huge interest and say I owe them more money than I do. They have also lowered my credit score with their report. I would appreciate any help you may be able to give me to get this corrected. I live on social security and would be more than happy to pay the correct amount due. 

XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX Ia XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Credit reporting or other personal consumer reports

TransUnion and Experian credit reporting agencies are reporting inquiries that I didnt request on my credit report. This is affecting my ability to obtain new credit at a lower interest rate.
Product: Student loan

I have contacted NAVIENT several times since they took over my loan. They never would provide me with any other option than an outrageous payment amount. My husband is XXXX XXXX XXXX XXXX and we do not have the funds for child care. I can not work because I do not have anone to care for my children otherwise. I wanted to make payment arrangements but all I was offered was hundreds of dollars a month or 1 lump sum. I paid {$200.00} a while back but nothing ever changed on my account. It has made paying student loans impossible and completely pointless. Why pay when they just take your money!? This company is scandalous at best.
Product: Credit card or prepaid card

On XX/XX/XXXX a dispute was raise with Comenity Bank to get a refund on flights that was purchased. I was following the guidance of federal and state officials not to travel. The dispute was denied. I then called on XX/XX/25 and spoke to XXXX to redispute and was told that the dispute was resubmitted. I allowed over a month for the matter to researched and resolved. When I followed back up a month later was told that the dispute was not raised. I then spoke to XXXX on XX/XX/XXXX and he told be that he would resubmit the dispute the charge. I was then immediately denied without the ability to explain my position. I have attempted to work directly with XXXX XXXX  and they are not returning my calls. Comenity Bank has not work with me in " good faith '' and has failed to assist in my requests. They offered travel credit but due to my age and health conditions, I will not be able to travel for over a year.
Product: Credit reporting, credit repair services, or other personal consumer reports

XX/XX/2023 In my complaint today I am addressing ongoing incorrect information on my credit report. I operate a XXXX XXXX and accurate credit reporting is all I am asking for to be corrected. My charity works with veterans on suicide prevention and we rescue wild mustang horses and re-purpose them. 
I am asking for the CFPB to look into the history of not only me but others as there are numerous complaints similar to mine. I feel after my discussion including showing up at the office headquarters in XXXX XXXXXXXX XXXX  I am be retaliated against. I am just not sure of why? 
I am attaching screenshots and multiple proofs including multiple contacts with XXXX XXXX including in person visit please compare my photos attached at their headquarters. I am also attaching screenshots from XXXX XXXX own app and my bank account. I am now being purposely targeted for a discussion that became heated with one of their customer service agents. So they are going out of their way to punish me. I am looking for resolution by either deleting ALL late payments or deleting the account entirely as acceptable. 
The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). 

Please refer to the attachments which show : Statements from XXXX which is where I pay the account From XXXX  XXXX phone app Photos from XXXX  XXXX headquarters Letters and proof of multiple attempts to correct this Multiple IDs verifying my identity I am begging for help. I understand we live in a politically charged world. I am just trying to help our veteran community which is not popular but I am asking for reasonable solutions. 

Respectfully, XXXX XXXX
Product: Checking or savings account

Yes last year my account was overdraft and I received a child tax credit from government the bank put XXXX dollars to XXXX in my account I was not notified about this transaction I called spoke to agent at bank I asked why I have XXXX to XXXX XXXX in my account she stated by law in order for them to release the child credit to my account the had to make my balance available I stated I didn't agree I asked for to file a dispute I was told I could not for this transaction.
Product: Credit reporting, credit repair services, or other personal consumer reports

I am a victim of identity theft. the fraudulent accounts XXXX  XXXX XXXX  XXXX XXXX and XXXX XXXX XXXX  are reporting on my Experian Credit report only.
Product: Credit reporting, credit repair services, or other personal consumer reports

Ive disputed a few times with Experian that I paid off my credit card account. The first time in XX/XX/2022 that they updated my account that it showed I had a {$0.00} balance remaining but wasnt showing paid!. Then the second dispute they just deleted the account on XX/XX/2022 causing my credit score to drop. I paid off a total amount of {$2000.00}. Ive also received from the creditor a satisfactory of judgment letter.
Product: Debt collection

Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) Section 803 ( 6 )  which states that " the term 'debt collector ' means any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the collection of any debts, or who regularly collects or attempts to collect, directly or indirectly, debts owed or due or asserted to be owed or due another. Notwithstanding the exclusion provided by clause ( F ) of the last sentence of this paragraph, the term includes any creditor who, in the process of collecting his own debts, uses any name other than his own which would indicate that a third person is collecting or attempting to collect such debts. For the purpose of section 1692f ( 6 ) of this title, such term also includes any person who uses any instrumentality of interstate commerce or the mails in any business the principal purpose of which is the enforcement of security interests. ", " XXXX and XXXX, XXXX '' hereinafter referred to as " the Debt Collection LLC '' is a debt collector. On behalf of the Debt Collection LLC, debt collector XXXX XXXX. XXXX filed a lawsuit ( Civil Action No. XXXX XXXX XXXX XXXX ) in XXXX County State Court indicating that he is an attorney which is false and misleading pursuant to FDCPA Section 807 ( 3 ) on XX/XX/2019, on behalf of Capital One Bank ( USA ) N.A. hereinafter referred to as " the Bank '' who is a debt collector pursuant to FDCPA Section 803 ( 6 ). On behalf of the Bank, I was served a summons by the XXXX County Sheriff 's Department who collects debts as a third party on behalf of XXXX County Superior and State Courts hereinafter referred to as " the Debt Collection Courts ''. On behalf of the Debt Collection Courts and the Bank, the service of summons by the XXXX County Sheriff 's Department was unauthorized third party communication to the consumer pursuant to FDCPA Section 805 ( b ). On behalf of the Debt Collection Courts, The XXXX County Sheriff 's Department violated FDCPA Section 807 ( 11 ) by not disclosing in their initial communication with the consumer " that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose ''. Capital One Bank ( USA ) N.A. ( the Bank ) has violated my rights as a consumer by violating several sections of the Fair Debt Collection Practices Act.
Product: Money transfer, virtual currency, or money service

I recently made a cashapp, i was using it normally. I sent money and i received money. On XX/XX/XXXX, i added XXXX dollars to my cash balance which brought me to XXXX because i already had XXXX on my account. One of my friends were letting me rent their XXXX for XXXX so when i got ready to send the XXXX over it said payment couldnt be sent after hours of trying to send it different ways, i emailed support to find out my account was closed. I dont know what guideline i didnt follow but i literally was using the cash app normally. So i followed all of their FALSE steps to at least get my money back but none of them worked. It wont let me cash out and they closed my account for no reason at all but the XXXX is still sitting in my cash balance.
Product: Vehicle loan or lease

Late payment history is wrong. The late payments and/or payment history isnt reported the same on all XXXX bureaus. Dates do not match. Account is paid in full. 
XXXX shows late payment for XXXX XXXX. XXXX shows late payment for XX/XX/XXXX. Payments are incorrect. Close and open dates do not match. Comments do not match. Each report is different.
Product: Mortgage

In XXXX 2015 I applied for a mortgage with Carrington Mortgage. I had an accepted offer on a house and the deal fell through because Carrington did not act in a professional manner and continue to act in an unprofessional manner. Recently I was asked for the same information only to be told that I MUST provide pays tubs although I am self-employed. I know that that is untrue. I feel as though I am being discriminated against.
Product: Bank account or service

I am the XXXX for my XXXX year old Mother. In XXXX of 2015 I was XXXX and unable to take care of our finances. My sister-in-law took advantage of the situation and stole my checkbook and credit cards as well as my Mothers. She went so far as to divert my telephone calls to her cell phone and took all the mail from our mailboxes. XX/XX/2015 I was able to have my phone fixed and began to receive calls from a branch of BB & T in XXXX, SC and we discovered that she had stolen both of our identities and accessed our bank accounts and credit cards. I had never had an overdraft nor had my mother and that is when we discovered the extent of what had taken place. Credit cards were charged to the max and forged checks were paid off of my account as well as my Mothers. BB & T did not close my Mothers account at that time. Only when my sister, who is a banker in Texas, talked with BB & T did the account get closed. The bank did refund a portion of the fraudulent transactions that were committed by XXXX 's but not all. My sister-in-law was even allowed to make a draw off of my home equity line of credit by telephone that the bank refused to refund to me, leaving me with an additional {$9000.00} debt I am now forced to repay. When my sister in Texas came home for XXXX in XXXX 2015 she went to the bank to ask about the forged checks. The bank refused to honor the forgeries because it was past a 60 day window. My sister contends that when I first reported the identity theft it was the bank 's responsibility to close the accounts and to advise us to go thru our bank statements to look for forged checks. The forged checks on my Mothers account was in excess of {$27000.00}. 
I did press charges against my sister-in-law and provided copies of police reports to BB & T. I feel like not only did my sister-in-law take advantage of me but the bank did as well. They were not helpful at all and it appeared to me that they just wanted me to go away. I have since closed my checking account with BB & T and my Mother has also closed her accounts as well. I still have the home equity line of credit loan with BB & T but as soon as I can pay it off in full I will never do business with them again. They are in no ways " consumer '' friendly.
Product: Credit reporting or other personal consumer reports

Recently I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure was reporting 100 % correct. Under 15 U.S. Code 1681e ( b ) ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. I know that Under 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. if you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below.

In violation of the Fair Debt Collection Practices Act. I do not know any of the alleged creditors and debt collectors.

I never sat across a table from any of the alleged creditors and debt collectors and never entered into a contract with any receiving a meeting of the minds. No valid contracts exist. All allege contracts are completely fraudulent an the attempt to enforce a fraudulent contract is unlawful due to the contract being created through the illegal activity of identity theft and power of attorney fraud. Please show good faith in this matter by expediting the securing of the alleged information listed on your sight in order to avoid me receiving further injury, damages, and losses due to me being a victim of identity theft.

The Fair Billing Practices Act is intended to secure my right to privacy and my privacy has been breach so thats violate my rights under The Privacy Act of 1974 :, I am sure the removal of my information from your website will ensure my privacy rights wontbe violated again due to my lack of consent.
Product: Debt collection

On XXXX XXXX I called Superlative RM to ask if they were a collection company for a collection company. They would not advise. I stated they would receive my letter in the mail and do not call my cell phone. They called me again on XX/XX/2023 and stated it about my dispute. They should have waited for my letter and not called me back.
Product: Credit reporting, credit repair services, or other personal consumer reports

It was happened that before couples months ago when I requested credit report I found there is account showing in my report which is not belong to me because I know all the account that opened on my own personal account either debt or credit, but the one shown under the account name as the following : - XXXX XXXX  XXXX Partial Acct # XXXX. 
Date opened XX/XX/XXXX in the original amount of {$2500.00} is not mine and not belong to me and I already opened a dispute with Experian on XX/XX/XXXX, this not my account, this really a fraud and ID theft of my personal information, Please kindly try to resolve this issue ASAP, because now the credit report has been affected my score to negative for something not mine Im ID theft victims. 
I did more than 5 calls to the creditor trying to tell them this loan is not belong to me and the department they disconnected my all calls and dont want to discuss this issue of fraud with me they intentionally disconnected the calls. I hereby would like to file this dispute to you as governmental bureau of consumer protection to solve my issue and place security freeze till the investigation completed. 
Account overview XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$84.00} Balance as of XX/XX/XXXX Loan balance You've paid 97 % of your loan balance. 
{$2500.00} X Making on-time payments will help you chip away at your balance and is a key ingredient in your credit score.

Payment details Payment status Past due 30 days Minimum monthly payment {$83.00} Terms 2 years 5 months this attached report copy
Product: Checking or savings account

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

There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

UNAUTHORIZED INQUIRIES : XXXX XXXX XXXX XXXXXX/XX/year>
Product: Mortgage

Wells Fargo holds my mortgage. 

I deferred payment due to Covid-19. It's a rental and tenant moved out. Instead of renting, I am selling. Made a payment XXXX that is showing on their statement as " unapplied '' ( {$3900.00} ). This unapplied amount is therefore not offsetting the principal balance that they gave the settlement company. 

Why they didn't apply the payment is beyond me. Why else am I paying? And why can I not indicate how to apply the funds on their website, when they don't have the staff available to talk by phone? 

I am unable to get a response from them at all. I tried fixing it through their website, but there is no option to make this request. I have been on hold with them for 4 hours over the last two days - and yet to get a person. I did submit an online complaint. Response : " We take complaints seriously and will attempt to call you within 2 business days to discuss your specific issue. We will also send you a letter through postal mail confirming that we received your complaint. '' I don't need a letter. I need a problem solved. Typical Wells Fargo. Unacceptable.
Product: Credit reporting or other personal consumer reports

I sent a letter to the Credit Bureaus requesting to reinvestigate the disputed Accounts from my credit report as well as update the Accounts from my report during the investigation period. As of this date, they have failed to respond to my request. 
XXXX XXXX XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

I received an alert a few days ago that stated a collection account was added to my Equifax report. I am a living human. I have rights under 15 USC 1681 Equifax, is govern by 15 USC 1681. And they have violated my rights numerous of times. I never opened this account with XXXX XXXX XXXX, XXXX, account number XXXX, once again I never opened this account, nor have I signed any contract, nor documents to run my credit let alone open this account. I haven't done any business with XXXX XXXX either. I never signed any type of documents giving my consent to run my credit or open up an account. In Accordance with Fair Credit Act these companies has violated my federally protected rights to privacy and confidentially under section 15 USC 1681. This company XXXX XXXX XXXX is not listed to do business in Georgia, they have no filings with the Georgia Secretary of State. I could not locate a company for them other than Texas. That alone is illegal for them to be trying to report data and collect data.
Product: Credit reporting or other personal consumer reports

In accordance with the Fair Credit Reporting Act, this creditor ( Capital One ) has violated my rights. Under 15 USC 1681 section 602, states that I have a right to privacy. 15 USC 1681 section 604a section 2, also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. USC 1681 ( Section 611 ) allows for any negative items listed or reported or hurting my credit to be removed. I have disputed these late payments and they were not removed. The late payments are inconsistent inaccurate and incorrect on each credit report as my XXXX credit report shows that Capital One has reported my account 120 days past due for XXXX XXXX, 120 past due for XX/XX/XXXX and 120 days past due for XX/XX/XXXX during which time on time payments had been auto deducted on the XXXX ( due date ) monthly. It also shows XXXX past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX. There is nothing which shows that I have made any payments from XX/XX/XXXX to XX/XX/XXXX during which time, on time payments had been auto deducted on the XXXX ( due date ) monthly. On my XXXX credit report Capital One has reported my account 30 days past due for XXXX XXXX, 60 days past due for XXXX XXXX, 90 days past due for XXXX XXXX, 120 days past due for XXXX XXXX, 120 days past due for XX/XX/XXXX and 150 days past due for XXXX during which time on time payments had been auto deducted on the XXXX ( due date ) monthly. It also shows that {$0.00} had been paid monthly from XX/XX/XXXX to XX/XX/XXXX although on time monthly payments had been made during that time frame. My XXXX credit report shows Capital One has reported my account as 30 days past due for XXXX XXXX, 60 days past due for XXXX XXXX, 90 days past due for XXXX XXXX, 120 days past due for XXXX XXXX 120 days past due for XXXX XXXX  150 days past due for XXXX XXXX, 30 days past due for XX/XX/XXXX and 30 days past due for XX/XX/XXXX during which time on time payments had been auto deducted on the XXXX ( due date ) monthly. My XXXX report also does not show any actual payment amounts being made on any date in the year XXXX to current date of XX/XX/XXXX although on time monthly payments were made during that time period with the most recent being a payment of {$100.00} on XX/XX/XXXX. The reporting of this creditor to all XXXX  credit reporting agencies is inaccurate, Incorrect and is causing mental harm and anguish to my life as I have been denied my right to obtain credit due to these inaccurate and incorrect late payments being reported. You show that I have made {$0.00} in payments for years but yet you say that I was only 150 days past due on one report, XXXX on the others even when payments were made.