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

IVE REQUESTED NUMEROUS TIMES FOR THIS DEBT COLLECTOR TO PROVIDE ME WITH CONTRACT. I REQUESTED FOR THEM TO PROVIDE ME AN INVOICE FOR WHICH I SIGNED FOR THIS DEBT. I REQUESTED FOR THEM TO PROVIDE ME WITH THE DOCUMENTS USED TO TAKE OUT THIS CONTRACT/AGREEMENT IN MY NAME. THE DOCUMENTS USED TO VERIFY MY IDENTITY. I DID NOT GET THOSE DOCUMENTS WHICH IS MY RIGHT WHEN REQUESTING FOR A DEBT COLLECTOR TO VALIDATE DEBT. EVERYTIME THIS AGENCY CALLS, THEY HARRASS AND RESPOND TELLING ME YOU KNOW YOU OWE THE DEBT. INSTEAD OF PROVIDING ME THE DOCUMENTS REQUIRED WHEN REQUESTED UNDER THE LAW. I'VE NEVER GAVE PERMISSION FOR THEM TO USE MY CREDIT FOR AN APPLICATION FOR THEIR SERVICE PRODUCTS. IVE REQUESTED FOR XXXX AND EQUIFAX TO COMPLETE AN INVESTIGATION AND VALIDATE THE DEBT. THEY HAVE YET TO DO SO, I ASKED THEM TO MAIL ME ALL DOCUMENTS USED TO VERIFY THIS DEBT AND PROVIDE ALL DOCUMENTS USED TO VERIFY THIS DEBT FROM THEIR INVESTIGATION. THEY HAVE REFUSED TO DO SO AND HAVE YET TO VALIDATE THIS DEBT. THEY ONLY TOOK THE DEBT COLLECTOR AT THEIR WORD. THESE TWO CREDIT REPORTING AGENCIES DO NOT REVIEW ALL FACTS AND DO NOT COMPLETE THOROUGH INVESTIGATIONS. THEY ALSO DO NOT PROVIDE THE RESULTS TO THE CONSUMERS IF THEY DID NOT FOLLOWING THE LAW. I AM FINALIZING A REPORT REQUESTED BY THE CALIFORNIA DEPARTMENT OF FINANCIAL PROTECTION AND INNOVATION WHILE THEY INVESTIGATE THE TACTICS OF THIS DEBT COLLECTOR AND THE CREDIT BUREAUS. THE AGENCY HAS TOLD ME INVESTIGATORS WILL BEGAN INVESTIGATING IF THERE IS NO FAVORABLE DECISION FROM THIS REPORT. IF THEY LOOK AT MY ADDRESS ON MY ATTACHED PGE BILL IT IS NOT THE ADDRESS WHERE THE ACCOUNT WAS OPENED
Product: Credit reporting, credit repair services, or other personal consumer reports

I disputed a closed account with XXXX, Transunion and XXXX credit bureau. 

I also contacted the card company XXXX XXXX XXXX. They assured me it was a big mistake. 

XXXX was the only credit bureau who actually investigated and fixed the issue. 

Transunion and XXXX dispute results claimed the closed account was ACCURATE. I lost points on both my credit reports for the closure. According to Transunion and XXXX the last time I made a payment on the account is in XX/XX/XXXX. The account balance both Transunion and XXXX are posting is inaccurate. The balance they're reporting is {$180.00}. As of XX/XX/XXXX According to my card account online and Statement as of XX/XX/XXXX the account is OPEN. The balance is {$140.00}. I made payments on XX/XX/XXXX and also XX/XX/XXXX. 

I've also made a purchases on the card XX/XX/XXXX {$52.00}, and on XX/XX/XXXX around XXXX est. For {$10.00} so im not sure how the account is CLOSED. This is affecting my credit score and my credit worthiness. 

I don't believe Transunion and XXXX never contacted the card company when I put in the dispute they just went off what was reported in previous days on file. The dispute results came bk within 24hours ( which is quick for a proper investigation ) saying the information was ACCURATE which is a BOLD FACE LIE. I NEVER MISSED A PAYMENT. MY ADDRESS NEVER CHANGED.
Product: Credit card

XX/XX/year> I am writing to dispute my reduction of my credit rating from XXXX to XXXX due to a one time 30 day late payment of XXXX  for my credit card account ending in XXXX. 
My late payment was an error on my part. However, I have always had a high credit rating and because of this one transaction I should not be penalized by having a significantly lower score.

The lower score caused by the 30 day late payment on my report is unfair and severely damages my credit. In the next coming months, I will be in the market for buying my first home and the lower score will hurt me significantly due to a late payment balance of XXXX 
I am requesting to have my 30 day late payment removed on all credit reporting agencies for the following reasons : XXXX. Bank of America stated my account was 60 days past due. This is false. I attached a statement for reference. The total due is on the XXXX of every month. On XX/XX/XXXX, I had a balance of XXXX} and I paid it in full to have a XXXX balance. On XX/XX/XXXX, in a new cycle, I made a charge of {XXXX. On XX/XX/XXXX, I had a charge of XXXX}. I logged in to make my payments however, the XXXX} was the only charge posted. I made that payment on XX/XX/XXXX. This cycle falls between XXXX XXXX XXXX 
XXXX. On XX/XX/XXXX, XXXX, my credit monitoring service, notified me Bank of America reported a 30 day late payment. As soon as I was aware of a late payment, I paid in full and set up auto-pay to prevent further issues from happening. 
XXXX. I did not receive a notice from Bank of America that I had a late payment. Had I known, I would have made a payment much sooner. I also had the funds to pay in full as well. I am providing statements to show my balances. 
XXXX. During this time, I was living in an apartment without heat in the winter months in XXXX XXXX and had to move out quickly because the landlord refused to fix the issues. I moved out and found a new place immediately and was focused on settling in to my new apartment as fast as possible. That was my priority and this was a very stressful time. 
XXXX. On XX/XX/XXXX, I spoke with XXXX XXXX at Bank of America. I explained my situation and she assured me the delinquency payment would be updated from all credit bureaus and marked as current. This conversation was recorded. I feel her statement should be honored. 
XXXX. A friend of mine, who is with Bank of America, had a similar circumstance while his mother was in the hospital and requested to have the late payment removed. Bank of America was able to update the payment history. 
XXXX. For over 20 years, you can see I have not missed one payment and have been responsible. 

For these reasons, I am requesting my 30 day late payment to be removed and changed back to current on all credit bureaus. This would restore my credit rating back to where it was previously to be in a good position for purchasing my first home. 

Sincerely, XXXX XXXX
Product: Debt collection

I became aware of a negative mark on my credit from AFNI thanks to XXXX XXXX alerts XXXX. I have never received and email or paper mail explaining I have ANY kind of debt not paid to any creditor to my knowledge. Most of my bills utilize auto pay. 
I have no idea what, how much, or who AFNI is representing. 

Thanks to a XXXX search It was brought to my attention I can submit this complaint.
Product: Credit reporting or other personal consumer reports

According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' Early Warning Services is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' Early Warning Services the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, Early Warning Services whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' Early Warning Services Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
Product: Credit reporting or other personal consumer reports

I was the victim of identity theft. Per FCRA section 605b you are required to remove/block any accounts listed on an id theft report. Ive already included this report in a previous letters & am included it again. 

This letter is to notify you if you do not block the listed accounts on my report I will be filing a lawsuit. Ive informed my attorney of my intentions & they are excited to hold you accountable for your willful noncompliance. Currently you are in numerous violations of FCRA laws. My attorney is very excited at the possible outcome of this case because theyve already sued you & won tens of thousands in damages. I personally dont want to pursue this method because this matter is such a simple remedy. But do not take my kindness as weakness. The costs will be extreme for you. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Product: Payday loan, title loan, or personal loan

I received a notice of my applying for a {$7000.00} loan from a company named Transform Credit which I have NEVER applied for any loan through this company. I finally contacted them but could only text with them which they refused to give me any legitimate contact information for the company ( ie ) a phone number to call, a legitimate physical address, but insisted I give them my personal information via text without my verifying the company as legitimate - which I unequivocally refused to disclose information via text message with an unknown person without actual information that could be verified about this company. I was told that they only take legitimate applications, however, a neighbor actually got a ding on her credit report from none other than Transform Credit for a XXXX loan and she has never applied for a loan either. As far as I am concerned, this is Identity Theft and I want this company to identify itself, its phone number and physical address so that I may proceed to stop the identity theft and identify this company. 

I want to know who the party was that applied in my name and if they do applications online, then they have an IP Address and other information to provide to me. 

Just telling me they cancelled the application is not sufficient, as they processed an application and used my info without my consent.
Product: Mortgage

My mortgage was transferred from XXXX XXXX to XXXX in XX/XX/XXXX. My mortgage was suppose to include escrows. XXXX stopped collecting escrows for RET and Insurance. I called them multiple times and send an email, both to their corporate email address and the secure messaging service. I was told this would be resolved but it has not and now my taxes are past due ( XXXX shows enough funds in the escrow to make the installment ). The mortgage was transferred in XX/XX/XXXX and the new servicer doesnt show the escrows being required. 

Furthermore even though I had an insurance policy in place, XXXX put in force a XXXX policy using my escrow funds when they took over the loan. My agent provided proof of coverage over the last year, and although they showed the new policy in effect they have yet to refund me for the policy they put in error. 

XXXX refuses to address these concerns primarily the insurance policy issue. My new servicer is telling me this needs to be resolved by XXXX and not sure what to do.
Product: Mortgage

The loan was a VA loan under my father in law but we passed away, so my wife and I did a loan assumption and Mr. Cooper only approved my wife for the loan assumption. Talked to Mr. cooper and again couldn't get no real answers so I contacted the VA and we informed to file a complaint as MR. Cooper didn't follow the guidelines for the VA loan assumption. Mr. cooper said that my wife was listed as the successor in interest, so it was only put in her name. I have been working with XXXX there at MR. cooper. I was told that to get me added to the loan we would have to wait a year. I called the VA and was instructed to file another compliant as again MR. Cooper is not filing VA guidelines. The paperwork for the loan assumption is in both our names and MR. Cooper never said that it wouldn't be in both our names till it was already done. There is no way to talk to the assumptions team and there is no number for them or anything. MR. cooper needs to fix this error as the paperwork was in both my wife and I names.
Product: Credit reporting or other personal consumer reports

I am filing a complaint against Equifax for failing to properly investigaie my disputes regarding inaccuracies in my credit report. 
Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. 
This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, XXXX XXXX actions may also contravene the Consumer Financial Protection Act ( XXXX ), 12 U.S.C.

5536 ( a ) ( XXXX ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( XXXX  XXXX XXXXXXXX ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation.
Product: Debt collection

Account Number : XXXX ( XXXX {$420.00} ) Account Number : XXXX ( XXXX XXXX XXXX {$980.00} ) Account Number : XXXX ( XXXX XXXX {$640.00} ) I previously sent you a letter requesting that the collection that you are erroneously reporting against me be validated or removed from my credit report. I received your response and it is not acceptable, it is vague and does not constitute any form of validation according to the FDCPA or verification according the FCRA.
Product: Credit card or prepaid card

Unauthorized charges from XXXX totaling XXXX
Product: Credit card or prepaid card

Hi Ive been a XXXX bank customer for about a year now with a XXXX  credit card. I currently have a payment due of {$100.00} since I had missed a months payment. Today ALONE I have received 3 phone calls and I am in XXXX so its only XXXX XXXX!!!! They call from a bunch of different phone numbers and the past few days theyve been calling from an unknown number and they refuse to tell me who they are until I confirm that I am who I say I am which Im not comfortable giving my info over the phone until I know who Im speaking to. Theyve called me two days before my payment is even due to remind me. I feel like Im dealing with the mob. My credit card is not in collections so to be HARRASSED from XXXX until XXXX XXXX   over {$100.00} is absolutely obscene. Yesterday was 8 phone calls and Majority of the time the person on the phone is nasty and Im at the point where Im going to cancel the card so I dont have to deal with the harassment anymore. Its affecting my quality of life being tortured by a credit card company. My limit is {$500.00} so I can only imagine how they harass people who have much higher limits.
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. 
I told XXXX, Transunion, and XXXX to reinvestigate these accounts 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 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 However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ), they are supposed to modify accounts that aren't reporting correctly.

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: Consumer Loan

I began using a debt consolidator who I gave my limited power of attorney. The company also sent a cease and desist order for these lenders to speak directly to them to negotiate my settlements and prevent them from calling my place of employment. The calls to my job and references have not stopped. My debt consolidator company advised me to reach out to you as well.
Product: Debt collection

XXXX from Nations Recovery Center called me at work requesting i pay a XXXX debt. I said it 's not mine and I wanted her debt collator number. she refused to give it to me. She would not give me the address to send a letter that it was not mine. not to mention she was down right rude. 

I have written letters to multi companies including figerhut this is not my debt. 


after calling them back i was contected to a person who used a fake name and a would not give me a website of there company. they all so gave me an address that i think does not belong to them. I could not find the company in any address book. 

Lastly he bragged that it was XXXX dollar business but let would not give me any information on this XXXX dollar business.
Product: Credit reporting, credit repair services, or other personal consumer reports

I have been disputing some incorrect information in my credit reports since XX/XX/XXXX. On XX/XX/XXXX I sent dispute letters to the credit bureaus regarding the inaccurate information listed by 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 and XXXX  XXXX XXXX. After not hearing back from the credit bureaus and not receiving any responses, I sent another sent of dispute letters via mail to experian, XXXX, and XXXX on XX/XX/XXXX. No response again. So on XX/XX/XXXX I sent another set of dispute letters to the 3 credit bureaus on XX/XX/XXXX. I don't understand why I am being ignored! I have sent 3 dispute letters to the 3 credit bureaus each and not one response! I am requesting the removal of the disputed accounts due to the credit bureaus not responding and failing to comply with the law. It's been more than 4 months and NOTHING! This is ILLIGAL! Please investigate this case and have experian, XXXX, and XXXX remove 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  from my credit reports .
Product: Debt collection

I have been trying to pay my debt off with them for over 2.5 years and every time we come to an agreement, they go ahead and take 2-3 months of payments, either over the phone or on autopay, and then stop. 

When you call them to ask why the payment wasn't debited, as discussed, they say that I can just go ahead and pay using their online portal, which wasn't the original agreement and also never worked. 

They then proceed to tell you that they can no longer accept the original settlement terms, but that they're willing to renegotiate for a new settlement. The " renegotiation '' inevitably ends up being higher, or roughly equal to the original settlement amount, even though I had technically paid down the account for three months based on the former settlement terms -- their reason being that the account has now accrued interest and is out of the settlement terms because of the " delinquent '' payment. 

I have gone through three rounds of renegotiations with them, and each time, the same thing happens. I also get " reassigned '' a new representative for each new settlement, that is totally in the dark about the entire case, which makes no sense. 

This has been one of the most frustrating and frankly, predatory situations that I've ever had to deal with. 

In XX/XX/XXXX, I was contacted by another law firm XXXX XXXX XXXX  ( XXXX XXXX Debt Negotiation Specialist ), claiming that she was retained to resolve a " failed payments '' situation with XXXX XXXX XXXX. Her note said : " We received notice that you have failed on your payments under the settlement. 
Please contact the creditor 's counsel and address this issue or opposing counsel may enter judgment and start collection efforts. '' I then responded to her with proof ( including my bank statement ) that I had paid the settlement terms and that the money was deducted from my account. 

After this, I tried to contact Barclays directly, but they said they couldn't help because the account was already in collections. I tried explaining to them that I had been trying to pay but was not being given the option to, and understandably, they explained that it was no longer their issue. 

Which brings us to XXXX, XXXX. 


We are trying to sell our house and this account is now showing up as Judgement against me in the amount of {$7000.00}. The original debt was {$5700.00}. I have called XXXX XXXX XXXX incessantly to get this situation squared away, but every call leads to being told that I need to be transferred to a different rep, who ultimately ends up " being away from his desk '' or I just get put on hold, at times for over 20 minutes. 

I am truly at a loss here and I am hoping that the CFPB can help bring justice to this situation.
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 were authorized, I was charged fees due to lagged posting of charges and credits. The issue aligns with the recent CFPB findings against Navy federal Credit Union for similar practices, where transactions settled with insufficient balances despite initially available funds. I believe these practices are unfair and request an investigation into my account transactions.