23daVinci/CFPB_Complaints huggingface dataset:
Product: Debt collection

I have XXXX XXXX XXXX, Ive paid my portion off. They said that the XXXX XXXX XXXX XXXX has owed them around XXXX XXXX They also kept my entire deposit of around XXXX XXXX Never stating reasons on why. I thought maybe they kept it until XXXX XXXX XXXX XXXX XXXX XXXXXXXX paid them off but I see now thats not the case not only is the amount theyre asking for is wrong. Its also not my debt to pay.
Product: Debt collection

They are calling very frequently about a past Student Loan balance, and are threatening legal action. I used to let the calls go to voicemail, now I block the number, but they keep calling from different numbers, some with the same first six numbers of my phone number in an effort to trick me into thinking that it is a local call.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 
I demand the following accounts be verified or removed immediately : Also, please remove all non-account holding inquiries over 30 days old and add a Promotional Suppression to my credit file. 
Thanks, XXXX XXXX Account name : XXXX XXXX XXXX Account name : XXXX XXXX  XXXX Account name : XXXX  XXXX Account name : XXXX XXXX Account name : XXXX XXXX  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 : It also states a consumer reporting agency can not furnish a account without my written 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following 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: Payday loan, title loan, or personal loan

Figure lending does not accept checks for payment. This allows them to bypass transactions such as balance transfer requests to pay off personal loans ( via check deposit ). 

I requested to make a deposit to them at their bank instead ( where they accept wire transfers ) through XXXX XXXX Bank, and this was not allowed either. No checks can be made payable to figure for payments, and they offer a wide variety of loans. Including, personal loans, mortgages and cryptocurrency style loans. 

They do not allow a traditional way to make payment via check. This should not be allowed.
Product: Student loan

I have attached a picture for reference but I have made multiple payments on my student loans. My payments keep getting reversed and there is no notification given of when it happens. This is very frustrating because I have more than enough money in my account when these payments are being made. I know for a fact it is not an issue on my banks end. Ive talked to multiple people who are also having this issue.
Product: Payday loan, title loan, or personal loan

On XX/XX/XXXX I needed some money to pay for auto repairs on my truck. I went into Title Max, located in XXXX GA, to Pawn the title to my truck. The worker somewhat explained the agreement. The loan was for the amount of {$2700.00}. The worker advised me after making all my payments, with interest included, that it would be a total of {$3200.00}. That amount is also stated in my agreement. While the workers were getting the agreement together they advised that Book Value of my truck was about {$6000.00} and if I was to sell it would that be the price I sold it for. I told them yes. I have been making the minimum payments a month. Since XX/XX/XXXX to today 's date, XX/XX/XXXX, I have paid over {$3600.00}. Well over the so called " final amount '' to be paid. I contacted Titlemax to which they advised me when I made the minimum payment each month I was " resigning '' my agreement and getting hit with more interest fees. I told Titlemax that I was going to be obtaining an attorney to which they hung up on me. After paying Titlemax XXXX they advised that I still owed {$2300.00} on my truck. In XXXX of XXXX my truck was repossessed because I refused more money for my title when I already paid well passed the {$3200.00} that they told me. After my truck got repossessed I got a let notifying me that I had 60 day to get my personal items from the truck but there was no address of were to go to get my items. In XXXX of XXXX I contacted Titlemax to asked were to go to get my personal item but they told me that due to me telling them I was getting an attorney that they could not tell me anything on where my truck and personal belonging were located at. I have contact Titlemax several other times but was not getting any information from them. To this day XX/XX/XXXX I have not heard anything from Titlemax. If I was to pay the remaining balance of {$2300.00} I would of paid {$6200.00} on a {$3200.00} loan. I also can not access my account and agreement on the Titlemax website to provide proof of my agreement with them. I am assuming that they sold my truck and got rid of my personal item which my items in my truck were valued over thousands of dollars.
Product: Credit reporting, credit repair services, or other personal consumer reports

My current address is XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, GA XXXX. 

I no longer live at the following addresses. Please remove from my credit report. 

XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX CT XXXX XXXX, GA XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

This complaint is made by me XXXX XXXX not a third party company this is my complaint. so i am the victim of identity theft. and i submit the reports to the credit reporting agencies and they didnt remove any of the accounts.
Product: Vehicle loan or lease

.Im not paying for these finance charges that have been blown out of proportion. XX/XX/XXXX2017 they offered the same vehicle for sale for XXXX. XXXX XXXX XXXX in XXXX XXXX, LA.. Ive got copies from the internet Tell Nissan to call their collection dogs off and lets fix this. They cant be Stupid the rest of their lives..
Product: Credit card or prepaid card

I had some illegal use of my credit card around of XXXX of XXXX and called up to dispute .The credit card company put three charges that I had not disputed into a dispute. I received calls from these vendors, In house Cleanout at XXXX for XXXX and XXXX XXXX XXXX at XXXX for XXXX. Barclays told that they were going to pay these vendors. I received repeated calls from XXXX XXXX XXXX   and after about 3 weeks I paid them in full from my XXXX XXXX credit card on XX/XX/XXXX and called up Barclays and told them I had paid the Vendor.. On my XXXX Statement they charged me for the XXXX XXXX bill again. I have made repeated calls and they keep telling me there is nothing they can do as it is to old ( but they put it back on XXXX On the In house clean out I paid the XXXX dollars on XX/XX/XXXX on my XXXX XXXX credit card as I received a call that they were not paid, Right after I paid them along came another XXXX dollar charge from Barclays that they would not take off.
Product: Checking or savings account

Subject : Formal Complaint Regarding Unfair Overdraft Fees Dear Bureau, I am writing to formally file a complaint against Navy Federal Credit Union regarding multiple overdraft fees I have been charged, which have caused significant financial strain. These fees were incurred despite having sufficient funds available at the time the transactions were authorized. 

It appears the fees resulted from delayed posting of charges and credits to my account, leading to an inaccurate representation of my balance. This issue directly aligns with the recent findings by the Consumer Financial Protection Bureau ( CFPB ) against XXXX XXXX for similar practices, where transactions were settled with insufficient balances despite funds being available when authorized. 

These practices have not only been unfair but have also led to undue hardship. I am requesting a thorough investigation into the transactions on my accounts to address these discrepancies. Please review the activity on my checking account ( Account XXXX : XXXX ) and savings account ( Account XXXX : XXXX ). 

To assist in your investigation, I have attached copies of my bank statements, which clearly reflect the transactions and balances in question. 

I trust that you will address this matter promptly and with fairness, as the continued application of these fees has deeply affected my financial well-being. 

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

As Federal protected consumer I am being violated by XXXX, Transunion, XXXX to make sure proper steps are taking to insure credit accuracy. They failure of compliance has continued after nothing is being done regarding these collection accounts reporting, charge offs are considered a Certificate indebtedness and must not be report it to my credit report. 

XXXX Acct : XXXX XXXX XXXXXXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) Acct : # XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) Acct : # XXXX XXXXXXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX XXXX ) Acct : # XXXX XXXX XXXX Acct : # XXXX 15 USC 6801 illegal to report transaction history also I did not give these companies written consent to furnisher my information which is also a violation the information privacy act.
Product: Credit reporting, credit repair services, or other personal consumer reports

The Credit Bureaus stated my account was properly investigation and is reporting correctly, but how is that possible if the open date is inaccurate, the date last active is inaccurate and was re aged, and date last reported is not accurate. This ground for removal they also violated my rights under 15U.S.C 1681 ( 4 ). 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 15U.S.C 1681i ( 2 ) prompt notice of dispute to furnisher of information 15U.S.C 1681s ( 2 ) duty of person after receiving notice of dispute 15U.S.C 1881i ( 5 ) treatment of inaccurate or unverifiable information here is tracking number XXXX
Product: Credit reporting, credit repair services, or other personal consumer reports

Experian is ignoring my requests to investigate, verify and remove accounts from my credit report that do not belong to me.
Product: Credit reporting

XXXX is issued class action settlement because of inaccuracy and false information. class action what adverse action removed from credit reports.
Product: Student loan

Principal payment in the amount of {$220.00} was submitted to Discover Student Loans on XXXX XXXX, 2015 by personal check. This check was cashed on XXXX XXXX, 2015 but not credited toward my account. 

I sent an email on XXXX XXXX, 2015 requesting that they correct this error ( backdated to the date they cashed the check ) and received an email back requesting proof of my payment which I supplied ( canceled check images ) on XXXX XXXX, 2015. My account STILL has not been credited the payment.
Product: Credit reporting or other personal consumer reports

On XX/XX/XXXX I have a hard inquiry from sycn/sam XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX I have a hard inquiry from XXXX XXXXXXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX , on XX/XX/XXXX I have a hard inquiry from XXXX, on 7XX/XX/XXXX I have 2 hard inquiries One from XXXX XXXXXXXX and one from XXXX XXXX , and last on XX/XX/XXXX I have a hard inquiry from XXXX XXXX XXXX. Within these inquiries that I've listed I did not recognize or authorize any of these credit pulls.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have no knowledge of these accounts that are reporting to my consumer report. 

NAME OF ACCOUNT : 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
Product: Credit reporting or other personal consumer reports

I recently received a copy of my Equifax credit report, and I noticed some late payments posted 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( b ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 5. Defamation of Character ( per se ) 6. Negligent Enablement of Identity Fraud 7. Fair Debt Collections Practices Act 15 USC 1692g violations 8. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
Product: Credit reporting, credit repair services, or other personal consumer reports

I am Victim of Identity Theft. This Account does not belongs to me. 
I did Not give anyone Consent to open this Account.

this Account, That is on this Report is Fraud
Product: Credit reporting or other personal consumer reports

I am sending to bring to your attention the presence of inaccurate information on my credit report with your agency. The incorrect details are as follows : 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  - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year>, INQUIRY - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX XXXX XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX  - XX/XX/year> XXXX  XXXX  - XX/XX/year> XXXX XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX XXXX XXXX - XX/XX/year> XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> XXXX  - XX/XX/year> XXXX XXXX  - XX/XX/year> XXXX  - XX/XX/year> The aforementioned inaccuracies are materially affecting my creditworthiness and causing harm to my financial well-being. I believe it is crucial to rectify these errors promptly. 

I have conducted a thorough review of my financial records and can provide supporting evidence to substantiate my claims regarding the inaccuracies. Attached to this affidavit are copies of relevant documents that demonstrate the discrepancies, including but not limited to : Bank statements, payment receipts, and correspondence with creditors I request that you undertake a complete and fair investigation into these matters and take appropriate action to remove the inaccurate information from my credit report. According to the Fair Credit Reporting Act ( FCRA ), it is your responsibility to ensure the accuracy of the information you maintain and report. 

Furthermore, I request that you provide me with a written notification upon completion of your investigation, including details of the actions taken, any changes made to my credit report, and a revised copy of my credit report reflecting the accurate and updated information.
Product: Debt collection

we lived in XXXX my wife and the kids went back for family visit for only couple of days son fell down needed medical assistance we assumed he would be covered by either the old XXXX medical cover or the newer XXXX one and now we been getting this charges for that visit
Product: Credit reporting or other personal consumer reports

On XX/XX/2023 I filed dispute for several account reporting late payments on my consumer report in accordance to 15 USC Sec. 1681a-2 ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; payment history and utilizations are transactions or experiences between me and corporation, this information is unlawful and never be used in my consumer report.

DEPT OF EDXXXX XXXX XXXX Late Payment DEPT OF ED/XXXX XXXX XXXX Late Payment DEPT OF ED/XXXX XXXXXXXX XXXX Late Payment XXXX XXXX XXXX XXXX XXXX Late Payments Several other accounts using late payments to negatively affect my consumer report.
Product: Credit card

I have been a client of XXXX American Express for almost 20 years. We never had a problem, always full balance is paid. 
But on XX/XX/year>, I received a letter from American Express that they decreased my XXXX credit line from {$23000.00} to {$4700.00}. It was a Political Discrimination because I am a politician from XXXX Texas. 
I called on XX/XX/XXXX, 3 times, I spoke with customer service ( ref # XXXX XXXX XXXX and her supervisor ( ref # XXXX XXXX ) with no further solution. 
I called the complained department of American Express, I spoke with XXXX then transferred me to her supervisor XXXX XXXX who spoke with another department that they refused to fix the problem. I filed the complaint and I do have the reference number.
Product: Credit reporting, credit repair services, or other personal consumer reports

XXXX XXXX is refusing to remove a collection item from my report from XXXX, stating that i owe them {$600.00}. I have been a very good and active customer with XXXX which is now XXXX, since the beginning of XXXX. This information is inaccurate and doesnt make sense. Either someone has used my information or has stolen my identity.
Product: Credit reporting or other personal consumer reports

As much as I appreciate the Credit Bureaus in removing some of the disputed items that resulted due to identity theft, I am still disappointed in seeing that they have not completely removed all the disputed itemss. Let me remind the Credit Bureaus that per the Fair Credit Reporting Act Section 605B ( a ), the Credit Reporting Agencies are required to remove any items that were opened without my knowledge, consent, or authority within 4 business days. I have been disputing for the removal of these items from my Credit File for a long time and yet the Credit Bureaus have been ignoring my requests for these items to be properly investigated and removed. The Credit Bureaus continued reporting of these items is a clear violation of my rights under the FCRA. If the Credit Bureaus claim these items is 100 % accurate and verifiable, then I need them to provide me with copies of any documentation associated with these items which bears my signature, as I believe none exists. It has been over 30 days since I started to dispute these items and yet the Credit Bureau have been failing to provide any signed documents proving the legitimacy of these items. Please help me remove these negative items immediately : 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
Product: Credit reporting, credit repair services, or other personal consumer reports

Equifax is reporting negative and fraudulent information to XXXX XXXX. When I attempt to provide contrary evidence, and file a dispute this online through Equifax, I am being told that this is not an option and to contact them. I see no reason why I should need to call and explain something that I have proof against, if there is a method to do so online. Equifax is not following the guidelines of the Fair Debt Reporting Act, and is reporting information about me in a sense of defamation of character. This is indeed fraudulent, and should not be permitted.
Product: Mortgage

Flagstar force placed another flood policy on my acct. this year. I uploaded to the insurance portal the renewal policy XX/XX/ ish. I continue to receive past due notices for the balance of the escrow account. Everytime I call there, I have a 40 min call only to be transferred to another department where I have to start the same conversation over again. I have never missed a mortgage payment. I want the company to fix the escrow and provide me confirmation of XXXX balance to XXXX XXXX
Product: Mortgage

Since XX/XX/XXXX I been contacting our mortgage company, Dovenmuehle Mortgage Inc. to address the need to make our tax payments and correct our impound account. 

The property in question is in the county of XXXX XXXX, purchased XX/XX/XXXX. The mortgage company began an escrow account ( in which we requested, but they will not let us close now ), at approx {$10000.00} annually ( two installments of {$4900.00} each ). 

The county issued a secure property tax bill ( {$770.00} x2 = XXXX ) and two supplemental property tax bills ( {$4300.00} x 2 and {$170.00} x 2 = XXXX ) instead of combining them in to one bill with two installments. The mortgage company paid the supplemental property tax bills as I requested, however are still showing that {$4900.00} is due in XXXX, hence stating we have a shortage in our impound account. 

They have requested documentation from the county reflecting otherwise to make the changes to the impound account as they increased our payment by {$390.00} at month. I have provided this documentation several times, however they are now stating they will continue to collect the higher amount until they reanalyze the impound account in XX/XX/XXXX. Per the supervisor, ( I can't get anyone higher to up to call me ), they will only pay what the county reflects is owed in XX/XX/XXXX, and they have the documentation reflecting it is only {$770.00}, however they WILL NOT make the changes to the payment amount. Hence, we will be required to continue to pay them the {$390.00} a month unnecessarily until they want to change it and then reimburse the funds back to us. Why do they have the right to collect money they agree they don't need? This puts us in financial strain and if we don't make the payment we may loose our property. 

Secondly, if they make the payment to the county of {$4900.00} instead of the amount due, we will show a shortage and then again risk loosing our property. 

I have sent attachments to them on 12 occasions since XXXX XXXX now and we have gotten no where. 

PLEASE HELP US.